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2021-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I GOT LAID OFF DUE TO XXXX AND XXXX XXXX XXXX. I WAS UNABLE TO MAKE MINIMUM PAYMENTS FOR XXXX AND XXXX OF XXXX DUE TO UNEMPLOYMENT TAKING MONTHS. I HAVE NOW PAID THE PAST DUE BALANCE AND WILL CONTINUTE ON WITH MY REGULAR PAYMENTS OFF OF THE ACCOUNT. I HAVE NEVER HAD A MISSED PAYMENT SINCE XXXX. THE NEGATIVE REPORTING IS DRASTICALLY AFFECTING MY CREDIT PROFILE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 011XX | null | Consent provided | Web | 2021-08-25 | Closed with explanation | Yes | null | 4,662,521 |
2021-01-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Accounts Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX AT T XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | XXXXX | null | Consent provided | Web | 2021-01-24 | Closed with explanation | Yes | null | 4,089,345 |
2020-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XXXX XXXX College reports to their collection agency Conserve negative inaccurate information account XXXX shows on my credit report. As of XX/XX/XXXX, this account with XXXX XXXX College- XXXX XXXX was open, and closed on XX/XX/XXXX ; the first date account late XXXX XXXX. The statute of limitations has expired as of XXXX XXXX. XXXX XXXX College- XXXX XXXX account is seven years expired as of XXXX XXXX. I have contact Conserve, and XXXX XXXX College twice in regards to removing outdate negative account from my credit report ; this issue has not been resolve | null | Continental Services Group, Inc. d/b/a ConServe | TX | XXXXX | null | Consent provided | Web | 2020-02-16 | Closed with explanation | Yes | null | 3,534,045 |
2022-01-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing in reference to XXXX, XXXX, and Experian. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are reporting incorrect information on my credit report. Secondly, my credit report is showing charged-off items as charge-offs and collections this is incorrect reporting. That means these accounts are improperly categorized. It is reporting as charge-off meaning this account is actually considered income under consumer law and therefore are not debts at all. There are multiple reporting errors there is also an account that is also a charge-off that has a reporting history of nothing but CO a charge-off also does not warrant a reporting history! This is wrong. XXXX Department of education are reporting 90 day late payments with no other late payment entries which is also incorrect reporting. XXXX is also reporting incorrectly theyre saying I have 12 90 day late payments and the payment history I am attaching also reflects that incorrect reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07104 | null | Consent provided | Web | 2022-01-09 | Closed with explanation | Yes | null | 5,086,841 |
2023-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights.
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights.
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States that I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33023 | null | Consent provided | Web | 2023-04-28 | Closed with non-monetary relief | Yes | null | 6,904,415 |
2021-03-25 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | Collection Bureau of Ft. Walton Beach , INC sent me directly to collections for an XXXX bill dated XX/XX/XXXX. The amount is {$290.00}. This is the first I have heard of the bill as we were never sent any request for payment in 6 years. I was XXXX XXXX XXXX and hit by a drunk driver. My insurance should have covered all charges.
Multiple letters have been sent by my parents, XX/XX/XXXX, being the date of the last letter sent. My mother has called twice and been hung up on. I have called 3 times and was sent straight to voicemail.
I want to emphasize that this was 6 years ago and we were completely blindsided by this debt collector. We never received any bill from them. They instead, send us directly to collections 6 years later. | null | Collection Bureau of Fort Walton Beach, Inc | NM | 87120 | Servicemember | Consent provided | Web | 2021-03-25 | Closed with explanation | Yes | null | 4,243,059 |
2021-11-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34219 | null | Consent provided | Web | 2021-11-30 | Closed with non-monetary relief | Yes | null | 4,926,988 |
2018-09-07 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Other problem | I received a letter from a department store - informing me that they will reduce my credit limit if I don't make a purchase in 2 months. Not sure if this is legal, but, I feel they shouldn't threaten to reduce my credit limit, which was based primarily on my excellent credit history. If I don't have a need to purchase anything, why should I be penalized for not using it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 92606 | Servicemember | Consent provided | Web | 2018-09-17 | Closed with explanation | Yes | null | 3,013,176 |
2019-06-26 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | This showed up on all 3 major credit bureaus as a collection item on my credit report. There was no notice ever sent by Portfolio Recovery Associates. I sent a letter to them requesting copy of original statement with my signature and they have failed to respond to the two letters sent certified mail. Unless they can provide proper documentation showing my signature this must be removed from my credit reports on all 3 credit bureaus. | null | PORTFOLIO RECOVERY ASSOCIATES INC | MD | 21502 | Servicemember | Consent provided | Web | 2019-06-26 | Closed with explanation | Yes | null | 3,287,199 |
2022-07-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations of inaccurate information as well to which it is severely hurting my credit. | null | EQUIFAX, INC. | TX | 770XX | null | Consent provided | Web | 2022-07-15 | Closed with explanation | Yes | null | 5,776,416 |
2018-04-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : XXXX XXXX XXXX / XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77077 | null | Consent provided | Web | 2018-04-03 | Closed with non-monetary relief | Yes | null | 2,863,173 |
2020-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XX/XX/XXXX to present. Creditor, Boeing Employees Credit Union, is reporting outdated information in remarks which are reflected on XXXX XXXX credit report.
XXXX BOEING EMPLOYEES CU # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. Creditor, BECU is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments.
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX.
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged.
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old.
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old or bankruptcies that are more than 10 years old. In this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter XXXX over 10 years after the filing and discharge in XXXX - in XXXX. | null | BOEING EMPLOYEES CREDIT UNION | CA | XXXXX | null | Consent provided | Web | 2020-08-05 | Closed with non-monetary relief | Yes | null | 3,779,956 |
2018-07-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is XXXX/WALMAR XXXX high limit {$700.00} and XXXX {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 32311 | null | Consent provided | Web | 2018-07-04 | Closed with explanation | Yes | null | 2,953,311 |
2020-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX ; XXXX and Transunion should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also, XXXX is reporting this account in duplicate. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates, as well as a duplicate account, is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 060XX | null | Consent provided | Web | 2020-07-14 | Closed with explanation | Yes | null | 3,744,586 |
2021-11-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report.
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible.
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report | null | EQUIFAX, INC. | PA | 19149 | null | Consent provided | Web | 2021-11-24 | Closed with explanation | Yes | null | 4,943,844 |
2017-03-09 | Debt collection | Credit card | Disclosure verification of debt | Not given enough info to verify debt | THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT. | null | PORTFOLIO RECOVERY ASSOCIATES INC | MO | 631XX | null | Consent provided | Web | 2017-03-09 | Closed with explanation | Yes | No | 2,379,083 |
2021-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am also beginning the process to file a civil suit because I have sent letters and certified them to experian about the inquiry about seven months ago by XXXX XXXX XXXX. I never authorized the inquiry.
I have been refused any and all supporting documentation so that I can find the cause of the inquiry.
I have been refused the IP address of the computer used.
I have been refused a copy of the application | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 78223 | null | Consent provided | Web | 2021-07-06 | Closed with explanation | Yes | null | 4,520,184 |
2023-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | null | Experian Information Solutions Inc. | NC | 274XX | null | Consent provided | Web | 2023-08-02 | In progress | Yes | null | 7,339,085 |
2023-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of identity theft and feel as I am being unheard.
Besides this the credit bureaus have a lot of inaccuracies as they do not match across the board which means they are not doing their diligence work Please investigate my case I am attaching my credit report discpancies, identity theft report and letter of what I am disputing | null | EQUIFAX, INC. | FL | 34772 | null | Consent provided | Web | 2023-04-12 | Closed with explanation | Yes | null | 6,831,763 |
2022-10-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23188 | null | Consent provided | Web | 2022-10-19 | Closed with explanation | Yes | null | 6,097,611 |
2023-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 291XX | null | Consent provided | Web | 2023-04-07 | Closed with non-monetary relief | Yes | null | 6,801,355 |
2020-10-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I never had a XXXX account nor XXXX XXXX XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34221 | null | Consent provided | Web | 2020-10-24 | Closed with explanation | Yes | null | 3,916,639 |
2023-05-11 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60643 | null | Consent provided | Web | 2023-05-11 | Closed with non-monetary relief | Yes | null | 6,965,472 |
2023-01-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 304XX | null | Consent provided | Web | 2023-01-05 | Closed with explanation | Yes | null | 6,395,264 |
2018-06-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Collections on my credit report inwhich I have no knowledge of, the following accounts has been disputed, however, I was never provided any physical verification as promised by the FCRA. According to the FCRA if the disputed items is not backed up with physical verification then them accounts shall be removed. The following accounts are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ) | null | EQUIFAX, INC. | MO | 63139 | null | Consent provided | Web | 2018-06-03 | Closed with explanation | Yes | null | 2,925,227 |
2022-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late. | null | EQUIFAX, INC. | GA | XXXXX | null | Consent provided | Web | 2022-08-14 | Closed with explanation | Yes | null | 5,878,062 |
2022-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$170.00} XXXXXXXX XXXXXXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights.
15 U.S.C 1681 section 602 A. States have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 797XX | null | Consent provided | Web | 2022-05-23 | Closed with non-monetary relief | Yes | null | 5,591,218 |
2019-12-06 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | This complaint is about XXXX XXXX not telling me in advance how much my prescription of XXXX was going to be in advance before shipping out. (According to my physicians office no other specialty mail order company ever ships an expensive drug to the patient with out getting a payment from the patient first) and also not going over with me how the co pay card that XXXX gave me to use so that I could afford the drug to begin with. XXXX XXXX had made an agreement with my husbands employer to not allow the co pay card to go towards our deductible. I never saw this new rule nor was it ever explained to me when I started using the drug and the co pay card. I was told that by using this co pay card it would take care of all of my out of pocket expense for being able to afford XXXX.
So I started using XXXX going through XXXX XXXX I believe in XX/XX/XXXX. I’m not exactly sure when I started seeing a bill, but I didn’t really pay attention to it because I was told that my co pay card would cover my bill. I never was told that I couldn’t receive XXXX until I paid for it. The drug was always mailed to me. I never gave it a thought until I started receiving statements saying “Due upon Receipt” That prompted me to call. Then to my surprise, I was told that I actually did have a balance a rather large balance of $XXXX this bill was from XX/XX/XXXX, I called them on XX/XX/XXXX. Up until this point I was still being sent the XXXX without a phone call or interruption of my medication until I tried to order it again on XX/XX/XXXX. Then I received a text saying “The copay for your medication has changed. Tap the link to confirm the new amount so we can ship:
When I called I was told my account was sent to collections and I would not be able to receive my prescription until I had a reference number from the collection agency. I had to stop taking my medication cold turkey. I was so upset by this news that I actually got a XXXX and wasn’t feeling well for a couple of days.
XXXX is needed for my condition that is so bad that I actually XXXX the XXXX in my XXXX (XXXX) XXXX. Which is the reason I needed to go on the XXXX XXXX. I had to have XXXX on XX/XX/XXXX to repair the XX/XX/XXXX after which I needed XXXX XXXX to learn how to use my XX/XX/XXXX again. I was told I needed a XX/XX/XXXXto keep this from happening again. | null | Collection Management Company | CT | 06450 | null | Consent provided | Web | 2019-12-10 | Closed with explanation | Yes | null | 3,460,606 |
2023-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate.
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research.
These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX DE XXXX. Please update my name to : XXXX XXXX.
I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world | null | EQUIFAX, INC. | DE | 197XX | null | Consent provided | Web | 2023-01-11 | Closed with explanation | Yes | null | 6,419,499 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33054 | null | Consent provided | Web | 2023-06-08 | Closed with explanation | Yes | null | 7,086,584 |
2021-05-04 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verification and they refuse to speak just saying that the account is mine and that I must pay it, I have been disputing this account for over a year, and XXXX only says that the mountain run solution says the account is correct, without asking or verifying if the account is correct, mountain run solution must provide correct account verification to XXXX and the other credit bureaus, and only report false information and the XXXX only accepts what they say, unverified, I have had an excellent payment history in the last 6 years, and Mountain Run 's solution is damaging my credit with false information, XXXX is part of the game of Mountain Run solution, they just believe what collection agency says, XXXX asked me verified the account like not mine, but there is no way i can proof sometime is not mine | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Mountain Run Solutions, LLC | GA | XXXXX | null | Consent provided | Web | 2021-06-16 | Closed with explanation | Yes | null | 4,350,901 |
2019-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send me any all of your verification process, if not and in concert with the FCRA laws these following accounts shall be blocked.
1. XXXX XXXX XXXX {$3200.00} 2. XXXX XXXX XXXX {$0.00} 3. XXXX XXXX {$1300.00} 4. XXXX XXXX XXXX {$640.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 631XX | null | Consent provided | Web | 2019-02-24 | Closed with explanation | Yes | null | 3,161,543 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I reviewed my credit report. I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 32246 | null | Consent provided | Web | 2023-06-07 | Closed with non-monetary relief | Yes | null | 7,081,856 |
2022-06-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS. | null | EQUIFAX, INC. | NY | 122XX | null | Consent provided | Web | 2022-06-25 | Closed with explanation | Yes | null | 5,708,964 |
2020-11-06 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I went Grocery Shopping at XXXX on XX/XX/2020 and my groceries came up to {$230.00}. On Wednesday, XX/XX/2020, while I was reviewing my checking account transactions online, I discovered a charge of {$12.00} that was made. I immediately called USAA Federal Savings Bank and informed of them of the suspicious charge. The USAA Representative told me that she did saw that the charge came out of the State of Arizona, at a XXXX with a telephone number listed as XXXX XXXX XXXX XXXX XXXX. The Representative then told me that she was closing my account due to the charged being a fraudulent charge and that I will be sent out a new card in 2 business days. I have XXXX young children in my home and I feel that it's very unfair to be without a money or card and for USAA to have members wait so long for a new card to arrive via XXXX for such a long time period. I was asking why can't they overnight or express it to me and hey stated to me that it's their banking policy of 2 - 3 days weekend not included. I was also told I may not receive the card until Monday, XX/XX/2020 although the charge was notated fraud. As of today, I will be at home during a Pandemic with XXXX young children ages XXXX and XXXX XXXX without access to my money. What is something was to happen and I need to go somewhere? I will not have any money. I do not have family members in the State that I reside in. I would like for USAA to change their Policy especially with a case such as mine and others. I feel that the Card should've been Overnighted and the members should be able to receive it the next day. This Policy that USAA has needs to be changed immediately. They have done this to a lot of family members and myself. I've served in the U. S. XXXX and have been a member with USS for XXXX years and after this, I will be cancelling my membership with them. | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | VA | 22407 | Servicemember | Consent provided | Web | 2020-11-06 | Closed with explanation | Yes | null | 3,939,331 |
2020-03-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on those reports. I was successful into removing inaccuracies from XXXX and Equifax ( some ) but not XXXX even though I have tried many many times and had sent into supporting documents as well. They will not open up another dispute for any inaccuracies after a decision is made despite home having other supporting documents. Ive sent in those documents and they update information that are still inaccurate but will not allow us to dispute those accounts again..ever. XXXX is the only credit reporting agency that continues to report inaccurate information about me and refuses to let me dispute those inaccuracies again despite having more information and supporting documents. XXXX continually allows old disputed information to come back and again be reported on my credit report after it had been resolved and deleted in prior disputes. XXXX XXXX had already been deleted from my XXXX credit report in the past but I dont know why its reappearing again without giving me the ability to dispute it again. | null | EQUIFAX, INC. | CA | 93725 | null | Consent provided | Web | 2020-03-19 | Closed with explanation | Yes | null | 3,572,920 |
2020-08-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In response to my complaint XXXX Transunion responded : '' We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. '' Please note that I am not using any third party or " credit clinic '' services at this time ( although I do have the right to do so ). The complaint XXXX was initiated by me and I do not understand what made you think that " it didnt appear to have been communicated by you .. '' as I have not only provided my name, DOB and last 4 digits of SSN but also attached a copy of complaint to FTC XXXX
Therefore, please investigate and delete disputed accounts : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account XXXX 3. XXXX XXXX Account XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | XXXXX | null | Consent provided | Web | 2020-08-18 | Closed with explanation | Yes | null | 3,801,447 |
2023-02-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$23000.00} | null | EQUIFAX, INC. | FL | 33702 | null | Consent provided | Web | 2023-02-07 | Closed with explanation | Yes | null | 6,534,299 |
2023-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Based on the FCRA law Experian is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in XXXX. This is not true. The debt was bought from XXXX for a account created over ten years ago. Experian refuses to remove this account. Bought by XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | Servicemember | Consent provided | Web | 2023-06-24 | Closed with explanation | Yes | null | 7,161,389 |
2023-09-05 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Unauthorized inquiries on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11420 | null | Consent provided | Web | 2023-09-05 | Closed with non-monetary relief | Yes | null | 7,505,168 |
2019-10-02 | Debt collection | Medical debt | False statements or representation | Impersonated attorney, law enforcement, or government official | XXXX XXXX XXXX is violating federal law XXXX5 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney | null | CURO Intermediate Holdings | CA | 92139 | null | Consent provided | Web | 2019-10-02 | Closed with explanation | Yes | null | 3,393,767 |
2023-03-14 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Please refer to previous complaint : XXXX. My son 's Navy Federal Credit Union XXXX XXXX account was hacked and nearly {$9000.00} was stolen by person ( s ) unbeknownst to us. Regarding our previous complaint, Navy Federal 's " investigation '' of this event had gone on for a long period of time and our complaint was pertaining to not receiving any updates from Navy Federal. The previous complaint account was closed by CFPB on XXXX when Navy Federal responded that they were " still working on the issue. '' We finally received a decision from Navy Federal on XX/XX/ that they could not subtantiate that the money was fraudulently removed from the account and thus are holding us financially liable. I am co-owner of the account and neither me, my son nor anyone we know had anything to do with this theft. Navy Federal not being able to prove fraud is NOT the same as proving that we were responsible for this. Additionally, Navy Federal will not share any information regarding their " investigation '' without a subpeoena. We have contacted multiple organizations- Federal Trade Commission , Cyber crime unit of the FBI , and the National Credit Union Association and none of these organization has been able/willing to help us. I have also contacted multiple lawyers and have found no one willing to represent us. Navy Federal promotes a " Zero Liability '' provision for fraudulent activity on their accounts, and I feel that this should apply to us. At a minimum, since they are essentially stating we are guilty of stealing these funds, they should be required to share the information that they feel substantiates this. Otherwise this is analogous to being found guilty without due process. I am hoping that this could be further evaluated and feel that Navy Federal should be made to share their information that implicates us which will ultimately show that we were not found to have committed this crime. Thanks very much for your help with this most distressing matter.
XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | VA | 23454 | null | Consent provided | Web | 2023-03-14 | Closed with explanation | Yes | null | 6,693,852 |
2022-12-16 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Someone from Caine & Weiner contacted me saying I owed {$390.00} to XXXX and they are collecting on their behalf. I dont owe it and I also, in writing, told them not to contact me again, but sure enough they did. And they showed me a screenshot of something that anyone can pull up on the State of Michigan business entity website. I am filing this complaint so that these predatory businesses get fined for taking illegal actions against people. | null | CAINE & WEINER COMPANY, INC. | MI | 49009 | null | Consent provided | Web | 2022-12-16 | Closed with explanation | Yes | null | 6,323,642 |
2021-06-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 119XX | null | Consent provided | Web | 2021-06-04 | Closed with non-monetary relief | Yes | null | 4,429,849 |
2021-07-31 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I sent THE BUREAUS INC a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by a person named XXXX XXXX on XX/XX/21. This person is an uninterested party in this matter. In my cease and desist I demanded that THE BUREAUS INC send me an audit trail, respond to the debt validation letter that was attached, and send me ALL documentary evidence so that I can exercise my right in validating the alleged debt that THE BUREAUS INC claims that I owe them. It has been 7 days and I still haven't received any of my demands in writing. Congress finds that this is a violation of 15 USC 1692g ( a ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector, a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector, and a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. THE BUREAUS INC is also in violation of the FCRA ( Fair Credit Reporting Act ). I'm not sure how they received my private information. I did not give written or oral consent for them to furnish financial information to ANY of my consumer reports, THE BUREAUS INC has committed identity theft. On my consumer reports THE BUREAUS INC 's states that, " account information disputed by consumer, meets FCRA requirements '' these statements are false, I never received ANY written notices from THE BUREAUS INC or documentary evidence that proves their claims that I owe them the alleged debt. THE BUREAUS INC is committing fraud and invading my consumer rights to privacy. THE BUREAUS INC has also caused me embarrassment, defamed my character, and harmed my credit worthiness and reputation by furnishing false financial information on my consumer reports. Furthermore, I have never done business with THE BUREAUS INC so I would like to know how they received all of my private financial information. I would also like to know who gave them consent to contact me or report anything to my consumer reports. THE BUREAUS INC is violating federal law. I need answers and this matter needs to be resolved immediately. | null | The Bureaus, Inc. | NV | 89032 | null | Consent provided | Web | 2021-07-31 | Closed with explanation | Yes | null | 4,591,430 |
2017-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have had this account since XXXX XXXX . I alway s ( ALWAYS ) made on-line payments through my bank - XXXX XXXX . XXXX always ( ALWAYS ) a ccepted these payments until XXXX XXXX . In XXXX XXXX , they accepted the payments and then unbeknownst to me returned them to my XXXX XXXX checking account. In XXXX XXXX , I realized the payments were being returned directly into my XXXX XXXX checking account. XXXX NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91324 | Servicemember | Consent provided | Web | 2017-06-12 | Closed with explanation | Yes | null | 2,507,418 |
2017-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | On XXXX / XXXX / 2017 a credit inquiry was made on my credit report by Consumer Portfolio S that was without my consent and unauthorized. I have made multiple attempts to work with this company to have that inquiry removed but they have n't been willing to help. | null | Consumer Portfolio Services, Inc. | GA | 30043 | null | Consent provided | Web | 2017-06-19 | Closed with explanation | Yes | null | 2,513,164 |
2022-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 22152 | null | Consent provided | Web | 2022-04-08 | Closed with explanation | Yes | null | 5,426,134 |
2017-11-27 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | In XX/XX/XXXX I received a bill for an urgent care visit for my daughter. According to the bill insurance had n't paid and the entire balance was owed by me. I called the original creditor and asked them to bill XXXX XXXX as my daughter had insurance. They said they would. Every month I received another bill and I would call again and ask them to re-bill. I eventually recienved a bill and a collection report on my credit report for {$310.00} from XXXX XXXX XXXX/XXXX XXXX XXXX for the above date of service. I called them on XX/XX/XXXX and explained I did not owe this debt as my daughter was on XXXX and the visit was covered and eventually paid for by XXXX. I was told they emailed XXXX XXXX ( the original creditor ) about removing the collection from my credit report because the account HAD been paid in full by the insurance company. I then called XXXX to follow up and was told by XXXX that it would be taken care of and off my credit in 30 days due to the fact XXXX XXXX had paid the bill in full and nothing was owed on the account. None of this was ever done. In XX/XX/XXXX I called XXXX XXXX to ask for the explanation of benefits showing the bill had been paid so I could send it to XXXX XXXX XXXX XXXX XXXX so they would stop reporting me monthly to the credit bureaus. The lady I talked to instead three way called them to tell them it had been paid and offered to mail them proof. XXXX was also on the line and apologized for the error and stated they would put in a request to have the debt paid in full and would no longer report. He said they report every Wednesday so it would be about a week for them to stop reporting and the bureaus would reflect that in 30 days. It has been well over 90 days since this conversation and they are still reporting monthly. I do not owe this debt, it has been paid in pull by the insurance company and I need them to remove this from my record. The conversation from XX/XX/XXXX was all recorded my XXXX XXXX and could be made available by calling them. | Company believes it acted appropriately as authorized by contract or law | TENET HEALTHCARE CORPORATION | WA | 983XX | Servicemember | Consent provided | Web | 2017-11-27 | Closed with explanation | Yes | null | 2,738,050 |
2017-09-21 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later.
OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient.
The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder. | null | Navient Solutions, LLC. | CA | 95472 | null | Consent provided | Web | 2017-09-21 | Closed with non-monetary relief | Yes | null | 2,680,725 |
2021-10-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I applied for only one card, one time and was approved however XXXX ran my credit twice and I therefore have 2 hard inquiries on my Experian credit report from XXXX XXXX. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to provide the info although I already did including a copy of my Experian credit file showing the 2 hard inquiries. I need XXXX to please remove one of the hard inquiries. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 64030 | null | Consent provided | Web | 2021-10-18 | Closed with non-monetary relief | Yes | null | 4,821,405 |
2021-12-21 | Checking or savings account | Checking account | Opening an account | Unable to open an account | Citibank failed to open a new account in the stipulated timeframe, moreover, the account holder was notified on XXXX XX/XX/2021 that the account has been opened and a debit card and the welcome kit are on the way. New Account Application XXXX XXXX Citibank representative ( XXXX XXXX failed to justify the reason for delay when contacted after 10 days i.e. on XX/XX/2021.
The whole tactic was played to avoid the promotion bonus mentioned below.
https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX Complaint Number - XXXX * above complaint number provided over the call by Citi phone agent - XXXX on XX/XX/2021. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 336XX | null | Consent provided | Web | 2021-12-21 | Closed with non-monetary relief | Yes | null | 5,029,418 |
2019-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Dear CFPB, I, XXXX XXXX XXXX write to file a complaint against XXXX XXXX XXXX. I formally request an investigation into the criminal misconduct and professional practices of XXXX County and XXXX state employees that I believe have wasted, defrauded, and abused account access to Veterans protected information which were used for employees personal benefit and violative of both state and federal laws. I feel compelled to bring certain matters to your attention after several state and federal agency responses have shown cause to file an official complaint as a defrauded Veteran. I am requesting a coordinated interagency investigation with specificity to county/state employee credit score reporting fraud, identity theft, mail tampering, harassment, FERPA violations, and falsified financial instruments which co-signers escalated into VA backed mortgage fraud.
Since XX/XX/XXXX, I have been entrapped as a secondary co-signer due to fraudulent schemes that targeted and defrauded distressed active military and Veteran homeowners, investors, and financial institutions of fees, rental income, VA mortgage payment funds, property ownership and/or proceeds from the sale of their properties.My former residential property located at XXXX XXXX XXXX XXXX. in XXXX, XXXX was targeted by former property managers, a straw man tenant coordinator identified as XXXX XXXX, along with county/state employed family members who repeatedly leaked federally protected confidential information and intentionally damaged my credit rating with altered reports. Occupants withheld postal mail, official legal notifications, and created falsified loan documentation in an attempt to induce residential power sales. County and state employees circumvented regulatory processes in order to influence and force foreclosure short sales under homeowner duress and repeatedly violated the congressionally mandated Service-member Civil Relief Act ( SCRA ) protections.
The XXXX County scheme involved aggravated identity theft, false representations to mortgage lenders on behalf of the out-of-state homeowners ( specifically, ex-spouses ). Unlawful VA loan modifications were provided to guarantying breach of contract John Doe occupants with undisclosed XXXX XXXX XXXX XXXX history and rental payments to new unsecured buyers without expressed written consent or fiduciary disclosure to the out of state owner. Damaged credit score reports further disclosed additional anomalies, vague student loan processor charges, and dozens of identical unauthorized credit applications. Significant accounting inconsistencies remain disputed between verified student loan disbursements, recent unsolicited VA funded vocational program claims, and unverified regional support charges.
Neither my official divorce decree nor final court order awarding the division of real property to the ex-wife/secondary co-signer were disclosed to the financial institutions which approved and funded unlawful modifications to the VA backed mortgage.As the ex-wife, secondary co-signer, and a Veteran myself I was defrauded of funds and robbed of my good credit as a direct result of county and state employees criminal misconduct, as well as the willful negligence of the primary co-signer ( Mr. XXXX ). Over the past 72 months the VA funded schemes employed tactics which included misuse of identities, VA records tampering, and illegally amended tenant contractual agreements.
In XX/XX/XXXX, a falsified court summons was hand delivered to the out of state secondary co-signer with a watermarked red ink Service Copy stamp placed in the top right hand corner of the document. The version I received as the secondary co-signer/ex-wife contained disinformation and did not match the legally binding digital file submitted and recorded by XXXX County clerk ( open records available to the public online, for a fee ). The additional 20+ pages attached to the hand delivered Service Copy revealed forged co-signatures with mismatched dates on multiple loans and financial instruments. The forgeries covered illegal consents to waive owner rights and altered property transfer disclosures spanning from XX/XX/XXXX through XX/XX/XXXX. Compared to authenticated original copies and contrasted by the digital county clerk, records exposed systematic fraud leading to the intentional targeting and defrauding of the ex-wife/secondary co-signer. The falsified summons further compounded the civil-criminal matter in XX/XX/XXXX when I was awarded a restraining order against the primary co-signer ( Mr. XXXX ) after receiving and documenting threatening electronic communications.
After refusing to comply with the divorce decree and court ordered division of real property provisions, the restraining order witnessed statements included threats by the primary co-signer ( Mr. XXXX ) to burn down the house and then collect the insurance on the disputed VA backed residential property. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 086XX | Servicemember | Consent provided | Web | 2019-05-19 | Closed with explanation | Yes | null | 3,247,290 |
2017-06-23 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | Below is the letter I sent to Citicards, which explains all of the details : My Payment always due each month on the XXXX Ive never been delinquent to Citibank, and for the couple of times I was one or two days late, I paid the hefty fee of {$35.00}. But for the record, I have never been over 30 days past due, which is what is reported to the credit bureaus.
Being a loyal consumer since XXXX has become more of a detriment to me lately.
OnXX/XX/XXXXmy Credit Limit was still as it has always been {$3100.00} On XX/XX/XXXX I made a payment in the amount of {$2500.00} On XX/XX/XXXX your company suddenly decides to run a credit check on me and decrease my spending limit based on delinquencies to other creditors That is what I was told when I called, but dont believe it for ONE second. It is clear and very obvious to everyone that Ive spoken to that this is being handled as a reprimand for me being a conscientious consumer trying to pay down her debt and increase her credit score, as now you can no longer collect quite as much interest per month from me, so now I must pay the consequences. Again, just to underscore how sure I am of this reasoning : My payments to YOU are on time Those other creditors you are referring to if you bothered to check the truth are debts that I disputed as invalidThat is why they havent been paid. As the credit bureaus should be removing them, since the creditors were not able to validate them.
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So, suddenly, on XX/XX/XXXX, I make a large payment of {$2500.00}, and the way I am rewarded for that as a loyal consumer is by dropping my credit limit down to {$600.00} which then makes it look as if Im : 1. Over utilizing my credit with you FALSE!
2. Going over the Limit by {$74.00} FALSE!
Several, and I mean several inbound and outbound calls were made surrounding the 48 hour period of that large payment by many different customer service agents from Citi who were concerned that there may be a security breach of some type. Okay, sure some stranger kindly decided to make a large payment on my account balance? Come on now, these excuses above dont even make any sense. Say them out loud once or twice. Its clear you want the interest. And dropping a LOYAL consumer from a {$3200.00} limit to {$600.00} isnt a bit extreme????
This is completely unacceptable to me as I am being a responsible consumer who wants to lower her debt, and increase her credit score ( which by the way your two moves above did the opposite ). Why is there a punishment for that? Is someone at Citibank at risk for not getting as high of an annual bonus for this? I can not even imagine another reason. And please dont patronize me by trying to explain that you randomly pull credit reports on an annual basis. While this much may be true, please re-visit the second set of bullet points, and youll see why this will not hold as a valid excuse.
And as if the above isnt ludicrous enough, in of itself, you have the nerve to charge me the standard interest rate {$38.00} based on the entire previous balance of {$3100.00}, along with a {$14.00} over the limit fee?
Im pretty confident that I can find enough social media sites, and mom blogs, as well as the Fair Credit Reporting Act would be able to assist me further.
This is the most unfair treatment I have ever seen by a company as large as yours, and all you have to do is make this right, but since Im not 100 % confident that is going to happen, I will be submitting complaints to The Consumer Financial Protection Bureau and the FDIC as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | PA | 19114 | null | Consent provided | Web | 2017-06-23 | Closed with explanation | Yes | null | 2,557,069 |
2022-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Public record information inaccurate | I tried to rent an apartment and I was rejected because the report says that I am a XXXX XXXXXXXX. Somehow in Colorado. But I am not a XXXX XXXXXXXX. I have been in trouble for XXXX XXXX but that is all. Why is Experian telling my potential thati am a XXXX XXXX. And putting this on my credit report? I am going to sue. Whoever had a hand in this false information. They told to his to the XXXXXXXX XXXX XXXX XXXX : my potential landlords. I want to know who put up the false information about me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94107 | null | Consent provided | Web | 2022-09-28 | Closed with non-monetary relief | Yes | null | 6,027,121 |
2022-01-07 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | XX/XX/2021, {$510.00} this account is a fraudulent open by Someone who stolen my identity, Fraud | null | Phoenix Financial Services LLC | VA | 20111 | null | Consent provided | Web | 2022-01-07 | Closed with explanation | Yes | null | 5,083,197 |
2022-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60490 | null | Consent provided | Web | 2022-05-02 | Closed with non-monetary relief | Yes | null | 5,527,377 |
2017-03-30 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Trouble with how payments are handled | I participate in the Revised Pay As You Earn payment plan for my student loans serviced by FedLoan Servicing. On XX/XX/XXXX, I received notification that I was required to re-certify my annual income and I filed a timely recertification using studentloans.gov the same day. Nearly 60 days later on XX/XX/XXXX, I received notice that my re-certified payments were calculated at {$69.00} per month. I immediately realized that FedLoan Servicing incorrectly calculated my payment and I contacted Fedloan Servicing in writing by using the form on the Fedloan Servicing website on XX/XX/XXXX. I received no response from Fedloan Servicing based on my written complaint. On XX/XX/XXXX, I called Fedloan Servicing to complain my payment had been incorrectly calculated. FedLoan servicing acknowledged that my payment was incorrectly calculated because a FedLoan Servicing employee erroneously processed my application with a family size of one rather than two, and ignored my husband 's student loans when calculating my payment. FedLoan Servicing acknowledged the correct payment amount was {$10.00} per month and agreed to correct the error. I followed up by phone three more times and on each occasion was told my payment would be reprocessed within 7-10 days. Today, XX/XX/XXXX I called again to inquire as to whether my payments had been correctly re-calculated. FedLoan Servicing indicated my payments had not been re-calculated and was told that FedLoan Servicing could not re-calculate my payment scheduled for XX/XX/XXXX because I contacted them too close to the due date and was told the issue would be corrected effective in XXXX. I repeatedly requested I be billed the correct payment of {$10.00} for the month of XXXX as required by Federal Law and FedLoan Servicing refused. FedLoan Servicing 's refusal was never based on the premise that the {$69.00} payment was correct but rather that they could not or would not fix the payment in their computer system. I still have not received written confirmation that my payments have been corrected going forward and I suspect they have not been corrected. | null | AES/PHEAA | KS | 66044 | null | Consent provided | Web | 2017-03-30 | Closed with monetary relief | Yes | No | 2,409,991 |
2021-10-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks. | null | EQUIFAX, INC. | NC | 278XX | null | Consent provided | Web | 2021-10-06 | Closed with explanation | Yes | null | 4,786,746 |
2022-08-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33143 | null | Consent provided | Web | 2022-08-11 | Closed with non-monetary relief | Yes | null | 5,867,787 |
2021-03-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This has been going on for too long. If this is not resolved I will be obtaining legal help to go after Experian as well as XXXX XXXX. I am the victim and I have to jump through hoops while the person that used my good name and information is spending their time on some type of new furniture.
Why did I get the below email?
The police report was done with the XXXX County Sheriff 's Office, which is my local police department, I am confused as to how that is not a law enforcement agency. I also filed a report with the Federal Trade Commission, which was also included in the pdf file that I sent. All the information you state you needed, which I copied and pasted below ( all of the bulleted items ) was included in what I sent to XXXX via this same email address at XXXX on XX/XX/2021.
The specific dates are in the police report and Federal Trade Commission report, how I discovered the fraud is in both reports, the known information about the perpetrator is in the reports, the name of the fraudulent creditor and the fraudulent account number is in the police report, the name of the deputy that filed the police report IS IN the police report, the date the report was filed and the police report number IS IN the police report. A copy of my driver 's license IS IN the file that was sent to XXXX on XX/XX/2021. A copy of my utility bill was sent IN the same file that was sent to XXXX on XX/XX/2021.
I spent an hour and a half on the phone today ( XX/XX/2021 ) with XXXX a Fraud Resolution Supervisor, going over all of this, therefore, I am thoroughly confused and beyond frustrated that I am receiving this email from Experian at XXXX on XX/XX/2021!!!
In addition, I received another email from Experian at the exact same time as the one below at XXXX, stating that you will not remove the fraudulent address that's associated with the fraudulent account from my credit report because other accounts on my credit report have that address, THAT IS SIMPLY NOT TRUE, NO OTHER ACCOUNT OF MINE IS ASSOCIATED WITH ANY ADDRESS OUTSIDE OF MY XXXX XXXX XXXX XXXX, TX OR MY ACTUAL PHYSICAL ADDRESS IN SPRING, TX ( WHICH IS A SUBURB OF XXXX , TX ). I have lived in the XXXX, TX metropolitan area for 16 YEARS!!
Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number.
In addition, please enclose one copy of the below information along with your valid identity theft report : One copy of a government issued identification card, such as a drivers license, state ID card, etc.
One copy of a utility bill, bank or insurance statement, etc.
Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years -- -- -- -- -- Forwarded message -- -- -- -- - From : Experian XXXX Date : Wed, XX/XX/2021 at XXXXXXXX XXXX Subject : Important Information To : XXXX XXXX XXXX XXXX XXXX XXXX, It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information.
We are responding to your request that information in your personal credit report be blocked due to alleged identity theft. We are requesting additional information that you must provide in order for us to act upon your request. However, we have conveyed your dispute to the furnisher ( s ) of the information directly. If you disputed a public record item, we conveyed your dispute to the vendor that collected the information from a public record. Once the dispute process is completed, we will notify you of the results.
If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter.
A valid identity theft report is an official report specifically complaining about identity theft that has been filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service, or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false. The identity theft report should include as many of the following elements as possible : Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number.
In addition, please enclose one copy of the below information along with your valid identity theft report : One copy of a government issued identification card, such as a drivers license, state ID card, etc.
One copy of a utility bill, bank or insurance statement, etc.
Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Also list each account and account number and any other information that you believe appears on your credit report due to identity theft.
Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.
To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload.
If you do not provide Experian with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked.
The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : Connect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here!
PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses.
Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners.
Privacy Policy Contact Us | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | null | Consent provided | Web | 2021-03-18 | Closed with non-monetary relief | Yes | null | 4,225,670 |
2023-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92530 | null | Consent provided | Web | 2023-03-17 | Closed with non-monetary relief | Yes | null | 6,712,778 |
2023-03-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | WI | 53209 | null | Consent provided | Web | 2023-03-18 | Closed with explanation | Yes | null | 6,715,431 |
2022-01-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IA | 515XX | null | Consent provided | Web | 2022-01-02 | Closed with explanation | Yes | null | 5,062,914 |
2019-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77489 | null | Consent provided | Web | 2019-05-06 | Closed with explanation | Yes | null | 3,233,513 |
2020-05-21 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all per
sons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX | Company can't verify or dispute the facts in the complaint | Choice Recovery, Inc. | FL | 32216 | null | Consent provided | Web | 2020-05-21 | Closed with explanation | Yes | null | 3,662,957 |
2021-10-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | i did not consent to authorize the following inquiries nor do i have an account with the listed persons. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07304 | null | Consent provided | Web | 2021-10-06 | Closed with explanation | Yes | null | 4,784,269 |
2021-11-10 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity. | null | Bread Financial Holdings, Inc. | CA | 93637 | null | Consent provided | Web | 2021-11-10 | Closed with explanation | Yes | null | 4,895,444 |
2021-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | GA | 30213 | null | Consent provided | Web | 2021-09-28 | Closed with explanation | Yes | null | 4,760,673 |
2021-12-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working. | null | OneMain Finance Corporation | FL | 32277 | null | Consent provided | Web | 2021-12-17 | Closed with explanation | Yes | null | 5,019,454 |
2022-12-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 273XX | null | Consent provided | Web | 2022-12-28 | Closed with explanation | Yes | null | 6,368,545 |
2015-09-18 | Debt collection | Auto | Communication tactics | Frequent or repeated calls | Between XX/XX/XXXX and XXXX 2015 they called me 7 days a week 5-7 times a day for a total of about 300 calls within a 45 day period | null | Exeter Finance Corp. | IN | 46201 | null | Consent provided | Web | 2015-09-18 | Closed with explanation | Yes | No | 1,569,998 |
2019-08-26 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if I paid them today over the phone using a credit card. Mr. XXXX alleged this account had been opened XX/XX/XXXX, and was in default from XX/XX/XXXX-XX/XX/XXXX. I had neither records or knowledge of this account, nor does it appear on any of my credit reports. I was concerned because he had my unlisted phone number, social security number, my home address and knew some of my credit information. They also misspelled my first name. I discovered ARA made a soft inquiry today into my XXXX credit report when I was checking my report for any such account. His tone was aggressive and felt threatening. When I told him I had no memory or evidence of such account, he accused me of lying and trying to avoid my responsibility. When I asked for documentation, after a long delay, he sent me a letter regarding our conversation, alleged account number and an " Affidavit and Assignment '' letter issued XX/XX/XXXX. I told him I needed to check my credit report and personal records and get back with him with the information. I was unable to find any record of this account. | null | Financial Credit Service, Inc. | CA | 95076 | null | Consent provided | Web | 2019-08-27 | Closed with explanation | Yes | null | 3,354,568 |
2022-09-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit US BANKRUPTCY COURT- ; Case or ID # - XXXX, CCS Collection Service XXXX XXXX XXXX XXXX XXXX US Dept of Education has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy.
604 a section 2. Also state a consumer reporting agency can not furnish your account without my written instructions. | Company can't verify or dispute the facts in the complaint | CCS Financial Services, Inc. | GA | 30549 | null | Consent provided | Web | 2022-09-10 | Closed with explanation | Yes | null | 5,967,702 |
2017-08-11 | Debt collection | Other debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | On XXXX XXXX 2017 @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX 2017 @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL XXXX w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for XXXX ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, XXXX XXXX XXXX XXXX XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from | null | Northeast Collection Bureau | CA | 92505 | null | Consent provided | Web | 2017-08-11 | Closed with explanation | Yes | null | 2,602,418 |
2018-04-07 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | OnXX/XX/XXXX I applied for a total and XXXX XXXX Discharged with the XXXX XXXX XXXX XXXX I was approved on XX/XX/XXXX of my approval on my discharge of all student loans with NELNET. The amount was for a total of XXXX to be discharged. The said it would be reported at the end of the month to all three credit companys as, paid in full closed. At the time I applied for discharge my loans were current, and in good standing on all there of my credit reports. NelNet reported on XX/XX/XXXX a increased balance on my credit reports of a total of XXXX in student loans. Not only did they not close, the accounts and report them as paid, they tranfered the loans to another part of NelNet that handles the discharge for the XXXX XXXX XXXX XXXXXXXX. So now on all my credit reports it shows I have loans with NELNET/XXXX it also shows Nelnet XXXX XXXX XXXX XXXX. So its double accounts dropping my credit score 167 points. I got denied housing becuase high balance of student loans. I am XXXX, and about ready to be homeless. I spoke with XXXX through email I called both parts of NELNET and they said it was suppose to be reported as, paid and closed with XXXX balance. I got my letter of discharge, and everytime I call I get the same response your loans have been closed with Nelnet and we report at the end of the month to the credit companys. We will report the accounts as, paid and closed. | null | Nelnet, Inc. | NV | 89148 | null | Consent provided | Web | 2018-04-07 | Closed with explanation | Yes | null | 2,867,689 |
2022-01-09 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I have repeatedly asked this company, under federal law and my legal rights, to show me proof the accounts with this company are mine and they have failed my requests. I feel this was opened by my ex-wife and is not my responsibility. I do not feel they can damage my credit, reputation, or wrongfully threaten legal action without proof this is mine. I am prepared to fight this in court and will hold this company accountable for fraud | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | IN | 46217 | null | Consent provided | Web | 2022-01-09 | Closed with explanation | Yes | null | 5,086,722 |
2023-04-13 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | The information this debt collection agency is claiming to be mine is not accurate information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TrueAccord Corp. | GA | 30067 | null | Consent provided | Web | 2023-04-13 | Closed with explanation | Yes | null | 6,835,744 |
2023-03-17 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | Per requirements for PSLF program, I used the federal self help tool prior to XX/XX/2022. I have worked over combined 41 months for XXXX agencies, most of those months included payments to two separate loan providers, one payment each, until consolidating with MOHELA in fall 2022. MOHELA has finally processed my PSLF application and has listed only 1 of 119 qualifying payments. This is impossible. I have a credit score of XXXX. I would love some advocacy if possible. | Company believes it acted appropriately as authorized by contract or law | MOHELA | OH | 432XX | null | Consent provided | Web | 2023-03-17 | Closed with non-monetary relief | Yes | null | 6,709,779 |
2017-01-19 | Student loan | Non-federal student loan | Can't repay my loan | Can't decrease my monthly payments | I graduated from California School of XXXX XXXX XX/XX/2010 and I was forced by the school to take out loans to cover the cost of my education. I had to take out a federal loan for {$10000.00} which now I owe {$7600.00} and XXXX in private student loans from XXXX XXXX which I have been paying since and the amount does not seem to change at all, I now owe {$51000.00} to navient.I have recently lost my job and I have no income and currently looking for a job. When I called Navient to ask for help and see what options I have, I was told since I have a private loan I am basically out of luck and even if I do n't have an income I have to make payments. I even explained to the representative of navient that my school has now been closed due to fraud and the lies that the school told all their students and I asked if I can get any kind of forgiveness since I cant use my degree and again I was rejected and I was told I have to make my $ XXXX monthly payments. The representative even suggested I ask my parents for money which I find very disrespectful as a XXXX year old man. My student loans have completely ruined my life, I can not even go back to school because I am under so much pressure to make my payments every month. I am currently past due on my Navient account by a month and I get at least 10 calls a day from Navient leaving me voicemails and trying to collect. I simply do n't know what to do at this point. | null | Navient Solutions, LLC. | CA | 91040 | null | Consent provided | Web | 2017-01-19 | Closed with explanation | Yes | No | 2,298,625 |
2020-09-13 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Problem with customer service | I am a cosignor on my ex wifes student loan. I have been eligible for cosignor release for many years. We are not in contact and she refuses to sign the paperwork. The servicer will not release me without signature from my exwife. This was not int the contract and i believe it is just a way to for the bank/servicer to keep me attached to this loan. I have requested in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The current sercicer is XXXX/ XXXX XXXX. | null | Nelnet, Inc. | WA | 98367 | Servicemember | Consent provided | Web | 2020-09-13 | Closed with explanation | Yes | null | 3,843,238 |
2018-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38125 | null | Consent provided | Web | 2018-03-14 | Closed with explanation | Yes | null | 2,843,066 |
2023-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | It has been 30 days and the creditor ( Shell Oil-Citi bank ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not provided the information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the investigation and for failing to do so. The items must be deleted from my report as soon as possible. 15 USC 1666B | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MI | 490XX | Older American | Consent provided | Web | 2023-03-31 | Closed with explanation | Yes | null | 6,778,948 |
2023-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79907 | null | Consent provided | Web | 2023-07-10 | Closed with non-monetary relief | Yes | null | 7,229,683 |
2023-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76006 | null | Consent provided | Web | 2023-06-30 | Closed with explanation | Yes | null | 7,190,570 |
2022-07-31 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our Wells Fargo joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account between XXXX and XXXX is protected from garnishement. But the bank Wells Fargo still processed the transaction illegally even after speaking with their legal department on XX/XX/22 twice, they were very rude and did not care about the law nor my situation. So we were left with only XXXX dollars on our account, we have XXXX XXXX and now we cant even survive. This was illegal!! Please note that the judgement is only on my name and it said that the send the paper work for the court to an old adress that I have nt live there in years. This whole process is illegal and Wells Fargo bank did not care about the law!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | 189XX | null | Consent provided | Web | 2022-07-31 | Closed with explanation | Yes | null | 5,828,141 |
2018-03-06 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask if I was XXXX XXXX I replied this is she. Then the person began to give me my personal information SSN, address ect. and then went into that they are calling for XXXX XXXX XXXX on behalf of XXXX XXXX XXXX and that they are going to file with my employer to garnish wages. There are no court documents in the state of Delaware to show proof of this. The caller was being harassing and threatening me for a Credit card debt to garnish wages. they call from several numbers in the last 6 months they call serveral times per day that I do not answer as the automated statement states that we are trying to contact you and if me or legal representation they are forwarding my information to local authorities to file in the court. The caller also left threatening calls on my personal mobile phone to submit my information to the local court house. This is becoming very stressful as the practices by the Weinberg Mediation Group are unlawful and I have yet to receive any contact by mail. ( XXXX ) XXXX Weinberg Mediation Group 1 year in business XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Weinburge Mediation Group is what is wrong with America, there is nothing wrong with collecting a debt that is owed but the practices of this company is abhorrent and disgusting.
XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | Weinberg Mediation Group LLC | DE | 19701 | Servicemember | Consent provided | Web | 2018-03-06 | Closed with explanation | No | null | 2,834,151 |
2023-02-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37130 | null | Consent provided | Web | 2023-02-10 | Closed with non-monetary relief | Yes | null | 6,551,173 |
2022-05-06 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | XX/XX/2022. I received a letter/statement that someone tried to open a bank account to get credit. | null | TD BANK US HOLDING COMPANY | VA | 23703 | null | Consent provided | Web | 2022-05-06 | Closed with non-monetary relief | Yes | null | 5,550,107 |
2022-11-03 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | THE HOME DEPOT/CBNA - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX - Past due report - {$83.00} {$2500.00} Open balance {$5000.00} Credit limit Problem- CitiBank continues to charge me for this card even though Home Depot has asked me not to pay until the dispute has been resolved. Home Depot Case ID : XXXX Dispute Amount : {$2500.00} Date Submitted : XXXX This card is in dispute pending when the XXXX I purchased from Home Depot functions as intended and passes county inspection which it has failed. I only made one payment before Home Depot asked me to stop making payments until this matter was resolved.
On XX/XX/2022, I ordered a XXXX from Home Depot for {$6500.00} and XXXX installed it. I paid {$4000.00} in a debit card and charged {$2500.00} to a Home Depot credit card issued by CitiBank. Shortly after installation, I noticed that the system was not cooling. I called XXXX and was told to give it a few days. On the XXXX of XXXX, I sent an email after several calls notifying them of the system 's failure to cool. They sent out a representative, but the issue was not fixed, I called again on the XXXX and then sent an email. In the email, I asked that they remove the system from my property, and they sent a technician instead to work on the system. XX/XX/XXXX, I filed a complaint with the XXXX, the company was notified and agreed to fix the problem. XXXXXXXX XXXX XXXXXXXX continue to blame the XXXX and send out technicians even though the system was not cooling. XXXX, XXXX admitted to installing the wrong size system which according to them should have been a XXXXXXXX XXXX instead of a XXXXXXXX XXXX
XXXX finally re-installed a new XXXX XXXX to fit the size of the home, but the system was still not cooling as intended. During installation, the technician mentioned that the pipe had not been properly installed. They changed the air blower too because of airleaks which had caused my electricity bill to more than doubled in cost.
Last month, they changed the system again to a XXXX XXXX and failed an inspection from the county.
Here is a list of the issues pending to pass XXXXhe county inspection - Need to reseal supply plenum and check coil panel, can feel air leaking into garage. XXXX [ ] Equipment size increased from XXXX ton to XXXX ton, need to provide manuaXXXX XXXX XXXX calculations, XXXX XXXX equipment selection, and XXXX XXXX duct sizing. XXXX, XXXX [ ] Garage does not meet requirement as unconfined space for XXXXXXXX XXXX. Need to provide combustion air from exterior. XXXX [ ] Need to verify furnace air flow meets minimum per manuf. instructions, see page XXXX. XXXX.
I will like CitiBank to connect with Home Depot and stop charging me on this card. The installation of a faulty XXXX has not only increased my electricity bill by double, but it has also caused me sleepless nights and health concerns.
Thank you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 32746 | Servicemember | Consent provided | Web | 2022-11-03 | Closed with monetary relief | Yes | null | 6,161,500 |
2020-01-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93312 | null | Consent provided | Web | 2020-01-09 | Closed with explanation | Yes | null | 3,490,927 |
2022-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I made a settlement agreement with GM Financial. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. GM Financial has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or GM even after uploading proof documents to experian | null | General Motors Financial Company, Inc. | GA | 30281 | null | Consent provided | Web | 2022-03-22 | Closed with explanation | Yes | null | 5,352,588 |
2022-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33431 | null | Consent provided | Web | 2022-08-07 | Closed with explanation | Yes | null | 5,851,057 |
2022-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I contacted the mortgage company Seterus by the number listed by the credit agencies and there was no response by phone, so I sent a certified letter to the address provided .Seterus, inc. , XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NC XXXX. XXXX | null | Mr. Cooper Group Inc. | TN | 38114 | Older American | Consent provided | Web | 2022-01-11 | Closed with explanation | Yes | null | 5,099,677 |
2023-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.
XXXX XXXX did not give me any information on opting out of reporting to the Credit Bureau's.I would like all information on my credit report from XXXX XXXX to taken off. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WA | 98198 | null | Consent provided | Web | 2023-07-13 | Closed with explanation | Yes | null | 7,249,281 |
2023-01-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested.
I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.
The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation.
Remove all requested information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | HI | 967XX | Servicemember | Consent provided | Web | 2023-01-12 | Closed with explanation | Yes | null | 6,431,462 |
2023-02-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | NH | 03820 | null | Consent provided | Web | 2023-02-11 | Closed with explanation | Yes | null | 6,561,217 |
2023-09-01 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20904 | null | Consent provided | Web | 2023-09-01 | Closed with non-monetary relief | Yes | null | 7,480,199 |
2023-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I checked my credit report, I discovered that part of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to verify certain items. It is not allowed to report these items as unconfirmed information within the legally allowed time range without providing any supporting documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX . | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 64118 | null | Consent provided | Web | 2023-04-21 | Closed with explanation | Yes | null | 6,870,778 |
2020-01-21 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I closed my Citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was assessed a {$95.00} annual fee for the 12 month period from XX/XX/XXXX - XX/XX/XXXX. Upon contacting Citi around the issue I was told the annual fee would be refunded to my account within 1-2 statements. I thus dutifully paid this annual fee as otherwise I would have been assessed a late fee.This refund never occurred. On XX/XX/XXXX I contacted Citi via phone and explained that I never received the {$95.00} refund. I was told that the refund could be expected via a check within 10 days, or by XX/XX/XXXX.
I have spent 6+ hours in web chats and phone calls trying to sort out this situation with Citi , to no avail. As of XX/XX/XXXX I am now being told that the {$95.00} will be credited to my account on XX/XX/XXXX. Citi 's story keeps changing. I would like to be ensured that I will receive the annual fee refund, as well as be compensated for my time and the hassle. Citi should not be treating their customers in such a way. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 14213 | null | Consent provided | Web | 2020-01-21 | Closed with monetary relief | Yes | null | 3,503,139 |