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customers-complaints-test

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2022-05-19

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Difficulty submitting a dispute or getting information about a dispute over the phone

My name is XXXX XXXX and Ive been with capital one for sometime now. I added my daughter XXXX XXXX as an account manager however, its not reporting to the credit bureaus if this can be updated I would really appreciate it card # XXXX

CAPITAL ONE FINANCIAL CORPORATION

FL

33060

Consent provided

Web

2022-05-19

Closed with explanation

Yes

2018-12-26

Vehicle loan or lease

Loan

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

this was a car loan made which i was a co signor. The car was later repossessed. it was then sold, and the company which is exeter finance removed it from my wifes credit but not my own after disputing many times.

Exeter Finance Corp.

NJ

07017

Consent provided

Web

2018-12-26

Closed with explanation

Yes

2021-10-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2021-10-04

Closed with explanation

Yes

2022-02-13

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

Recently, my car got vandalized and destroyed, both of my debit cards got duplicated and fraudulent charges were performed and for one of my cards, all of the money in the account was taken. On XX/XX/22 {$720.00} was withdrawn from my directexpress account. Directexpress took so long to deliver the dispute forms, that there was no way that I could get credit in the allowed time for the transactions. There was over {$100.00} in transactions on my other card. The report I sent to the XXXX, CA Police can be viewed at XXXX XXXX XXXXXXXX

Comerica

CA

95376

Consent provided

Web

2022-02-13

Closed with explanation

Yes

2023-04-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19026

Consent provided

Web

2023-04-07

Closed with non-monetary relief

Yes

2020-08-31

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I first contact Capital One regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX 2020. I knew this was incorrect when I had just made a payment of {$81.00} for XXXX I looked into the matter immediately by contacting Capital One and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my Capital One app and the day I made the {$81.00} for XXXX that is what it stated. My monthly payment practice has been what is on my Capital One app and has been for as long as I have had the card. The Cap One rep explained to me to contact the credit report agencies and make a dispute through them. I did this and Capital One denied my request to change my credit report. I wrote them directly and asked them to change it and they denied that request also. I have included supporting documentation to support my claim.

CAPITAL ONE FINANCIAL CORPORATION

NC

27360

Consent provided

Web

2020-09-01

Closed with explanation

Yes

2022-11-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Problem with personal statement of dispute

XXXX claimed that XXXX XXXX XXXX reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my XXXX card XXXX XXXX XXXX XXXX. XXXX placed a {$86.00}, reversal of the fraudulent charge credit XXXX granted me while XXXX investigated my claim that XXXX made this charge fraudulently. I received a letter from XXXX stating that XXXX agreed to reimburse my XXXX card for the {$86.00} Fraudulent charge. XXXX then reversed the fraudulent charge credit, placing this as a fee, on my XXXX card, even so this card was, at that time, already closed by me. XXXX claimed that the XXXX crediting my XXXX card would take my closed XXXX balance to XXXX. XXXX XXXX not credit my canceled XXXX. Prior to the " fee '' coming due, I contacted XXXX customer service ( for the fourth time on this issue ), informing them that there was a demand from XXXX for me to pay this XXXX XXXX customer service agreed with me that I will not be required to pay this fee. XXXX made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my XXXX card. This resulted in a substantial reduction in my credit rating. XXXX erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

902XX

Older American

Consent provided

Web

2022-11-06

Closed with non-monetary relief

Yes

2023-07-25

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

XXXX XXXX Sold the debt to a debt collector. After selling debt XXXX XXXX won't remove the account. I called XXXX XXXXXXXX reporting that this account is fraudulent they told me they would give me a call back. I never heard anything back from XXXX XXXXXXXX. Which is making me have to disputed inaccurate information with the creditors. The creditors won't remove because they are say XXXX XXXX is verifying this fraudulent information.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TN

37207

Consent provided

Web

2023-07-25

Closed with explanation

Yes

2021-01-21

Credit reporting, credit repair services, or other personal consumer reports

Other personal consumer report

Incorrect information on your report

Public record information inaccurate

On XX/XX/2021. I submitted a dispute to Experian to Remove/Delete a Chapter XXXX Bankruptcy Dismissed No : XXXX was place on my credit report provided by a third party XXXX Case no : XXXX & XXXX Please see Attachment. Experian has not remove or deleted this bankruptcy from my credit report base on the documentation from XXXX dated XXXX XXXX subsequently XXXX has removed this bankruptcy from there record outline by the Fair Credit Reporting Act. To the present. Experian still Certified that this information from XXXX is accurate and it remains on my credit report preventing me to obtain any credit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

DE

19720

Consent provided

Web

2021-01-21

Closed with explanation

Yes

2019-11-22

Debt collection

Other debt

Communication tactics

Frequent or repeated calls

This account was paid in full the XXXX XXXX XXXX website

Company believes it acted appropriately as authorized by contract or law

ERC

VA

XXXXX

Consent provided

Web

2019-11-22

Closed with explanation

Yes

2022-07-07

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

Received a call requesting payment for XXXX XXXX. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022

ENCORE CAPITAL GROUP INC.

CA

93065

Consent provided

Web

2022-07-07

Closed with explanation

Yes

2017-07-17

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

Previous complaint ID : XXXX Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court documents and can prove that Machol & Johannes VIA THEIR OWN CERTIFICATE OF MAILING that they were able to send materials to my XXXX XXXX , which is where I get my mail. I discovered that they sent this confidential information to my father right after trying - and failing - to garnish his bank account. I believe they were either trying to trick him or delay my ability to respond to the garnishment. New complaint. That 's related to my current complaint : They just simply did n't send the required legal notices this latest time they levied a bank garnishment. They did that on XXXX XXXX , 2017. I discovered via court records that they filed related documents. But this time there was no Certificate of Mailing because they did n't send me anything - I found out about the garnishment from my bank. I have been doing research and the company has a long history of such practices.

Company believes it acted appropriately as authorized by contract or law

Machol & Johannes, LLC

CO

801XX

Consent provided

Web

2017-07-17

Closed with explanation

Yes

2017-05-10

Debt collection

Payday loan debt

Communication tactics

Frequent or repeated calls

My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on XXXX XXXX , 2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Tower Loan of Mississippi, Inc.

AL

36701

Servicemember

Consent provided

Web

2017-08-12

Closed with explanation

Yes

2023-02-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

EQUIFAX, INC.

TX

77004

Consent provided

Web

2023-02-09

Closed with explanation

Yes

2020-10-20

Checking or savings account

Savings account

Closing an account

Funds not received from closed account

XX/XX/XXXXDear Consumer Finance Protection Bureau : XXXX XXXX has not replied to me or resolved my below email complaint against BBVA/simple.com bank therefore I am now forwarding this complaint to you. Re : BBVA Client Care Solutions Ref : XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message 12 XXXX To : XXXX XXXX XXXX 6 Files730.4kBDownload All Preview JPG671kB Image ( 7 ) .jpg Download XXXX Simple Bank Statement XXXX Download XXXX Simple Bank Statement XXXX ( XXXX ) .pdf Download XXXX Simple Bank Statement XXXX Download XXXX Simple Bank Statement XXXX Download XXXX Simple Bank Statement XXXX ( XXXX ) .pdf Download XXXX Below is letter I am ready to send to the banking regulatory authorities if i do not hear from you by Monday XXXX. Here is my complaint against BBVA bank also doing business online as simple.com. I would ask that you impose fines against them if they continue to refuse to pay to me the following correct amount of interest. They also hung up the phone several times when I called them to ask them to email to me a detailed explanation as to how they calculated the interest amount. On XX/XX/XXXX I deposited {$12000.00} to open a new account on simple.com ... account # XXXX On XX/XX/XXXX simple deposited a {$250.00} promotional new account bonus into that account. On XX/XX/XXXX I did a {$12000.00} withdraw out of my simple.com account by way of ACH to another bank Attached to this complaint is an email on the simple.com support page dated XX/XX/XXXX that says simple would pay me 2.15 % beginning from the date that I transfer money into the " Protected Goals Checking Account ''. That email says there is no " time limit for earning 2.15 % interest '' in the goals account therefore I am entitled to that 2.15 % rate for as long as I kept money in that goals account. The attached XX/XX/XXXX statement shows I transfered {$12000.00} into the protected goals account on XX/XX/XXXX. Total interest at 2.15 % for 287 days from XX/XX/XXXX to XX/XX/XXXX in that goals account on {$12000.00} equals {$200.00}. Therefore {$12000.00} opening deposit plus {$250.00} promo bonus plus {$200.00} interest equals {$12000.00} less {$12000.00} ACH withdraw on XX/XX/XXXX equals {$59.00} balance which is about the amount simple owed to me when I closed the account in XX/XX/XXXX but simple only paid to me {$4.00} [ on a BBVA check ] [ see attached XX/XX/XXXX statement for goals account closure ] therefore simple/BBVA still owes me about {$55.00}. XXXX XXXX phone XXXX XXXX XXXX On Thursday, XX/XX/2020, XXXX XXXX PDT , XXXX XXXX XXXX wrote XXXX Hello Mr. XXXX, We are reaching out to you regarding an issue you reported which is currently being tracked with the ticket number referenced above. Our attempts to reach you by phone have not been successful and we would like to speak with you directly to resolve your issue. We have received an escalation in regards to your Simple account. I reached out to our Simple Representative and was advised that they had called and left you a message. If you have further questions regarding this matter, please contact me directly at your earliest convenience. I can be reached at XXXX Monday Friday XXXX XXXX- XXXX XXXX MST. Or you can respond to this email as well. We truly value your relationship with BBVA and are committed to improving your banking experience. Sincerely, XXXX Due to current events you may experience longer than normal wait times when calling our customer service group at XXXX-XX/XX/XXXX. We recommend utilizing our secure message system available to you through the Assistance Center on both online banking and the mobile app. Someone will be able to assist you directly through that system for most common issues you may experience. -- To learn more about the personal information we collect and how we may use such information, please visit www.bbvausa.com/policy/ccpa. BBVA | Creating Opportunities XXXX XXXX Client Care Solutions - Client Care Analyst II Tel. XXXX XXXX Mailing Address XXXX XXXX XXXX, XXXX, AZ XXXX l XXXX Actions

BBVA FINANCIAL CORPORATION

TN

376XX

Consent provided

Web

2020-10-21

Closed with explanation

Yes

2023-05-13

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

This complaint is towards Experian Credit Reporting agency And the XXXX XXXX XXXX XXXX XXXX I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. Experian as Violating Consumer Laws Section 15 U.S. Code 1611. It states on Experian This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which Experian as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore Experian and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . In which I gave no permission to update/Delete any information from my credit report. I Demand for Experian to remove These Negative items from my Credit report Immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NJ

07018

Consent provided

Web

2023-05-13

Closed with explanation

Yes

2021-07-22

Debt collection

Other debt

Written notification about debt

Notification didn't disclose it was an attempt to collect a debt

Td bank is adding negative fees to my account after letting charges I ask to not accept and my account is negative right now something that's never happened to me and I just got back from XXXX XXXX so I won't be getting paid no time soon

TD BANK US HOLDING COMPANY

NY

10453

Consent provided

Web

2021-07-22

Closed with monetary relief

Yes

2023-02-24

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, XXXX XXXX XXXX # XXXX and 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 my written instructions

EQUIFAX, INC.

AL

360XX

Consent provided

Web

2023-02-24

Closed with explanation

Yes

2021-05-28

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt was paid

National Credit Adjusters Confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....

National Credit Adjusters, LLC

CA

95687

Consent provided

Web

2021-05-28

Closed with explanation

Yes

2021-02-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

KS

66212

Consent provided

Web

2021-02-28

Closed with explanation

Yes

2017-10-31

Checking or savings account

Savings account

Managing an account

Fee problem

I opened a checking and savings account with BB and T in XXXX, Georgia. The bank ordered me a debit card. I never received the debit card from them so I requested a new card be sent to me. They sent me the new card but the bank accidentally attached the debit card to my savings account instead of my checking account. I used my debit card as usual ( thinking it was attached to the checking account ) and on XXXX XXXX, XXXX, I was charged a XXXX time activity fee of XXXX for excessive withdrawals/used of my debit card. I called the bank on the XXXX and the customer service agent said he could refund me XXXX. That is not nearly enough. I visited the bank on XXXX XXXX XXXX. I went into the bank to speak with them XXXX XXXX XXXX XXXX when I noticed the statement activity fee charge and the phone call only resulted in the XXXX credit. They immediately took that debit card saying it was a mistake, and they issued me a new debit card attached to the correct account. They said they would have to forward the issue to an upper level manager for approval to reimburse the funds. In the meantime, there had been an additional XXXX} in activity fees also added to my XXXX statement for the same problem. ( Charges prior to me visiting the bank to inform them ) Total activity fees that have been charged to me for excess use of my savings account was XXXX It has been XXXX weeks and I have not been reimbursed. I have called and emailed many times and no one is able to solve the problem as of yet. I did not know that the card was attached to the incorrect account, my phone app that the bank said to use showed both accounts as checking and the amount was not taken each time I went over rather it was charged as a XXXX time large fee at the end of the month so I would have had no idea there was a problem until I read my bank statement. This is an excessive amount of money that I would like to get back asap so I can pay my bills. Thank you so much.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BB&T CORPORATION

GA

30680

Consent provided

Web

2017-10-31

Closed with explanation

Yes

2022-10-03

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

On XX/XX/XXXX I received letters in the mail indicating that a bankruptcy on my credit report was validated. The credit bureaus ( XXXX, Equifax and XXXX ) and XXXX XXXX failed to provide documentation stating where they are validating their information. The XXXX XXXX XXXX Georgia verified that they did not provide any information to third parties regarding any bankruptcy in my name. In addition, they validated that placing public records from PACER onto an individuals credit profile is illegal and UNJUST. According to the Fair Credit Reporting Act 15 U.S.C. 1681-1681x, Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. Investigation must include providing documentation and/or proof of the process in which information is validated. My rights are currently being dismissed.

EQUIFAX, INC.

GA

30318

Consent provided

Web

2022-10-03

Closed with explanation

Yes

2021-04-10

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

I had accumulated {$14.00} in 'Rewards cash ' on a Wells Fargo CC , but while the account was still open, I no longer had an actual card to actively use the account. In XX/XX/2019, I received a letter from WF informing me that - if I did not use the card again within a specific time frame ( 60 days or so, I believe ) - WF would close the account and upon closure, I would lose the reward I had accumulated. Over the next several months, I called WF at least twice and sent numerous emails requesting that a card be sent to me. WF did send me a CC, but it was attached to another account I had with WF. I informed them of their error, and asked again that they send a CC for the account in question, and that they not close the account without first doing so. WF never sent me a CC and - in spite of their promise not to close the account when I specifically requested that they not close it - the account was closed and my rewards cash 'disappeared '. Subsequent emails requesting this error be corrected have been answered with denials of wrongdoing and rejection of my request. WF also uses an 'in house ' email system with customers that deletes emails after a short time frame. All emails with WF are now deleted from their proprietary system. I would like to be reimbursed the money that - according to our contract - I earned through purchases.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

TX

76126

Consent provided

Web

2021-04-10

Closed with monetary relief

Yes

2023-09-08

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

016XX

Consent provided

Web

2023-09-08

Closed with non-monetary relief

Yes

2022-04-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

I am filing his complaint because the bureaus have refused to remove the disputed accounts from my account and they have been very stern despite my numerous attempts to contact them to have the negative accounts dispute. I am seeking your help regarding this and I would appreicate it if can talk it out with them to remove the Bankruptcies and under negative accounts that are wrongly placed in my credit report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

91304

Consent provided

Web

2022-04-07

Closed with non-monetary relief

Yes

2017-07-22

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

This account with XXXX XXXX was disputed on mine and my husbands credit report with all 3 bureus as well as XXXX XXXX ... This was disputed multiple times as no knowledge and to validate proof of debt. XXXX and XXXX verified this as not our account and that the company did not respond within the time frame. Well with Experian they came back and said validated. This was not investigated by Experian and they just came back and said validated. We never got proof that this debt is ours and it should no longer be on our experian report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

UT

XXXXX

Consent provided

Web

2017-07-22

Closed with non-monetary relief

Yes

2023-02-03

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

Our business has a well funded checking account for more than two years. We have been cut off from accessing that account through credit card and debit card access. Also, we applied to Bank of America for a XXXX loan, which was granted, but after requesting forgiveness through our website login, we have received no documentation for a year. When contacting Bank of America, they claim that they have no ownership, knowledge, or any information. When calling the number that they provide, the people have no knowledge at all of any loan.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

94582

Consent provided

Web

2023-02-03

Closed with monetary relief

Yes

2021-04-06

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

This organization garnished my wages. Once I received a notice that my wages were garnished without any prior notice of either the lawsuit or the judgement, I made several good faith attempts to reach out and negotiate and/or resolve the debt and they refused to answer my calls or respond to any of my attempts to negotiate. this was done in bad faith as the collector informed me on the single occasion that I was able to speak with a representative after finding out that my wages were garnished, that since my wages are already garnished they will probably not return my calls to negotiate. They also failed to inform me of the exact amount of my debt and after my employer sufficiently paid the debt by garnishing my wages, they requested further payments of an amount that is unknown to me as they refuse to answer my calls

JPMORGAN CHASE & CO.

CA

90036

Consent provided

Web

2021-04-06

Closed with explanation

Yes

2017-09-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my XXXX XXXX, Equifax and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.

EQUIFAX, INC.

ND

58201

Servicemember

Consent provided

Web

2017-09-18

Closed with explanation

Yes

2018-01-21

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

CitiBank automatically set up a transfer from my Citi Forward card to a new credit card they created called the Citi ThankYou card. In the process of doing so they left bard cards active and set up a process of transferring purchases from one card to the other. Since both cards were technically active they then charged me duplicate interest charges. When I questioned them as to why I was charged interest on my Citi Forward card they said it was because it had a balance, yet they also said that balance was transferred to my Citi ThankYou card. I had called them days before the interest was to be charged and they said to not worry about it and that no interest would be charged. But, when I called in after seeing they charge they told me the interest charge was valid. I feel like they are both taking advantage of me and also displaying inaccurate/confusing/malicious information on my account website. I also worry they are harming my credit score because of the 2 duplicate balances being reported. I 've attached screenshots where you can see I 'm being shown duplicate charges and duplicate interest on both accounts. They post that during transfer consumers will be shown inaccurate information, yet I have no way of knowing what is accurate as each time I contact them I 'm told something different.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

NC

27295

Consent provided

Web

2018-01-21

Closed with explanation

Yes

2018-10-12

Checking or savings account

Checking account

Managing an account

Fee problem

In XX/XX/2018, I spoke to XXXX XXXX ( PNC bank rep ) and regarding the service fee charged to my account. XXXX was able to reversed the service fee charges and informed me that the account needs to have XXXX $ minimum balance to avoid being charge again. Hence I made a deposit on the same day ( XX/XX/XXXX ) which gives me a balance of XXXX . But 3 weeks later I get the bank statement with the service fee charge again. Talked to several PNC rep ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) but they are just a waste of time to deal with. I made an typo error in the address change and they informed me that it takes 3 business day to update the address change and can not do any thing until it is updated in their system : Ex 123 AbcAve => should be 123 Abc Ave. In this day of business and technology where information is updated in split seconds, it should not take 3 business days to update the correct address, especially when there is email and text message to verify electronically. I realized PNC bank does not have a good business practice and need to file a complaint. But PNC does not have formal form or procedure to file a complaint, hence no documentation or transparency of complaint is maintained. This is a " Pretty Nasty Company '' ( PNC ) business practice.

PNC Bank N.A.

CA

92683

Consent provided

Web

2018-10-12

Closed with explanation

Yes

2022-10-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

NEW INFORMATION ON COMPLAINT please review attachments, this is a very serious matter I'm affected by identity theft fraud and accounts listed on my FTC report is damaging my reputation and my credit ability please remove from my credit file. fraudulent account listed : XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX # XXXX .... I called Experian about this matter and mailed in a dispute but Experian failed to make sure ACCURACY of this account was 100 % AND THE investigation wasn't fair

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

33168

Consent provided

Web

2022-10-17

Closed with non-monetary relief

Yes

2022-06-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Without my written consent, Capital One has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$710.00} and further extort me and cause harm to my credit reputation. Capital One has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Capital One any written instructions to furnish any information to my consumer report. Capital One has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Capital One has failed to clarify or correct these billing errors. Capital One has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Capital One has chosen to punish me for nonrepayment of this extension of credit by closing my account. Capital One is not in compliance with 15 USC 1692e. Capital One has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.

CAPITAL ONE FINANCIAL CORPORATION

CA

92411

Consent provided

Web

2022-06-09

Closed with explanation

Yes

2023-03-27

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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

779XX

Consent provided

Web

2023-03-27

Closed with explanation

Yes

2023-03-17

Checking or savings account

Checking account

Opening an account

Unable to open an account

I had been living in the XXXX XXXX for a couple of months when I flew back to XXXX XXXX XXXX in XXXX of 2022 and opened an account with Bank of America. Everything was great, no issues. Then all of a sudden I was robbed and my card was stolen in the XXXX and I requested a new one. I tried activating it several times it didnt let me I tried having my mom call the number to be able to activate it, and it didnt let her because I later found out it had to be my number to call them to be able to activate the card. During that process she also tried to go to an ATM and activate it but she couldnt. Days after, I realized fake checks were being deposited into my account. I dont know if when I lost my card in the XXXX, the ones that stole it were able to get into my account. I have no idea. I tried to contact Bank of America, they said they couldnt help me because my number didnt match what they had on file and even after giving them my private information I was not being helped. The day after my account was suspended, I no longer had a bank account. I tried contacting Bank of America again and nothing. They did nothing to help me and there was nothing I couldve done since I was in the XXXX TAKING CARE OF MY SICK GRANDMA. I write that in caps to emphasize how frustrated I am that they are doing this to me when those checks were clearly deposited in the United States during a time I can easily prove I was in the XXXX. They did not bother to ask for any of that information. With all the stress and money problems I had while taking care of my grandma, I left it alone. Then I tried to open up a XXXX bank account and it wouldnt let me. Because of what Bank of America did to my record. If this doesnt get fixed I will be filing a lawsuit against Bank of America XXXX This is just unjust and extremely unprofessional. I thought banks took care of their customers instead of exiling them. Instead of sending me alerts of fraud, emails, or ANYTHING, they decided to just close my account. I hope this will be resolved and doesnt get any further in the legal aspect. But if it has to go there, I have receipts, screenshots, time stamps, locations, everything I need to take this to court and prove how unjust this bank has treated me.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

NY

10034

Consent provided

Web

2023-03-17

Closed with explanation

Yes

2018-10-24

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017-30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Bread Financial Holdings, Inc.

MA

021XX

Consent provided

Web

2018-10-24

Closed with non-monetary relief

Yes

2019-02-16

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 was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with XXXX for a Synchrony XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. Synchrony on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

IN

46037

Consent provided

Web

2019-02-16

Closed with explanation

Yes

2018-10-18

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

XXXX XXXX XXXX SS : XXXX XXXX XXXX XXXX XXXX NY XXXX TOYOTA MOTOR CREDIT A/C XXXX ( XX/XX/2015,XX/XX/2015,XX/XX/2015 XX/XX/2015 ) late payments reporting. I had made all payments on time trying to resolved late payment issue with Toyota, they keep denying it i feel like hopeless and its effecting my life.i am in contract buying house and won't to be able to get mortgage because of this late payment. Attaching Credit reports.

TOYOTA MOTOR CREDIT CORPORATION

NY

10469

Older American

Consent provided

Web

2018-10-18

Closed with explanation

Yes

2022-05-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$400.00} Equifax : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00} XXXX : XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$400.00}

EQUIFAX, INC.

TX

76006

Consent provided

Web

2022-05-26

Closed with explanation

Yes

2023-09-05

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Account payment history and date of first delinquency are incorrect. This account is too old and obsolete and should not be reported to my consumer reports. They are reporting inaccurate information to my consumer reports and are causing me damage.

EQUIFAX, INC.

MI

49424

Consent provided

Web

2023-09-05

Closed with explanation

Yes

2019-01-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I have tried working with the credit reporting agency to correct my info, however they are not helpful at all-there shows to be a XXXX XXXX XXXX XXXX account that should be removed -this info is not correct in it reporting. XXXX has already removed this account and equifax has not updated to be in the same accord. This info is effecting me is many ways then one.

EQUIFAX, INC.

MO

631XX

Consent provided

Web

2019-01-14

Closed with explanation

Yes

2023-05-16

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

It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MD

20774

Consent provided

Web

2023-05-16

Closed with explanation

Yes

2023-05-10

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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 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

77049

Consent provided

Web

2023-05-10

Closed with explanation

Yes

2020-02-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. Please remove these account and send me an updated copy of my credit report for inspection.

EQUIFAX, INC.

GA

30052

Consent provided

Web

2020-02-25

Closed with explanation

Yes

2023-06-05

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 DI NOT COMPLY TO DISPUTE THIS POSITIVE ACCOUNT, PLEASE, I'M BEGGING YOU TO RE-INSERTED TO MY CREDIT REPORT.

Flexible Finance, Inc.

GA

30318

Consent provided

Web

2023-06-05

Closed with explanation

No

2022-07-29

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 XXXX XXXX XXXXXXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. COMENITYBANK/VICTORIA Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. XXXX This account is reporting two different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.

Bread Financial Holdings, Inc.

SC

29223

Servicemember

Consent provided

Web

2022-07-29

Closed with explanation

Yes

2022-11-30

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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please DELETE these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

85339

Consent provided

Web

2022-11-30

Closed with non-monetary relief

Yes

2020-10-05

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

I received a letter sent on XX/XX/2020 from Capio Partners, it said " Your XXXX XXXX XXXX XXXX account has been sold to XXXX XXXX XXXX. Attention has been contracted to collect the outstanding balance. '' The balance due is {$1800.00}, but they offer to settle for XXXX if i pay by XX/XX/2020. I have XXXX and have XXXX which covers all my medical bills. I have tried to call XXXX XXXX XXXX and Capio Partners. XXXX XXXX tells me they are not the company I am looking for and Capio Partners goes to a voice mail. I noticed my credit score drop recently and I believe this is fraud.

Capio Partners, LLC

NY

109XX

Consent provided

Web

2020-10-05

Closed with non-monetary relief

Yes

2023-06-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Difficulty submitting a dispute or getting information about a dispute over the phone

I am having trouble communicating effectively with TransUnion in an effort to have my credit reports correctly reporting. This is time sensitive. I am in a first time home buyer program administered by a non profit for XXXX XXXX where I live and they are very very picky. As with many government matters, they insist on real time accuracy. My deadline is Friday, XX/XX/2023, at XXXX XXXX pacific. TransUnion has " disputes '' open but a prolonged " investigation '' isn't warranted under these circumstances. All these accounts have a balance of zero. I was able to get a letter almost immediately from these credit furnishers. TransUnion works with them electronically - so why aren't my reports updated with greater efficiency? I have been attempting to fax information ( attached ) to TransUnion but their known fax numbers do not seem to be working any longer. I need a working fax number.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94577

Older American

Consent provided

Web

2023-06-22

Closed with non-monetary relief

Yes

2022-01-03

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I XXXX XXXX checked my report an i noticed some fraudulent an inaccurate accounts listed on my report i then reached out to the credit agencies to remedy the situation but they wouldn't help me correct these fraudulent and inaccurate accounts

EQUIFAX, INC.

GA

317XX

Consent provided

Web

2022-01-03

Closed with explanation

Yes

2020-06-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I'm trying to get a small loan to make some renovations to my house but today XXXX/XXXX/2020 they ran my credit and they told me that I did not get approved because I had too many accounts in negative standing appearing on my credit report. I had no idea that there were accounts in negative standing on my report so I looked through it and I saw about ten accounts on my report that I never opened. The accounts are from companies that I have no written or verbal contract with ; I did benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit and I never made payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28269

Consent provided

Web

2020-06-24

Closed with explanation

Yes

2021-09-04

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

I disputed a {$560.00} charge made on my Chase credit card ending in XXXX for XXXX ( a weight loss clinic in XXXX ) on XX/XX/2020. On XX/XX/2020, less than 24 hours, I returned all unopened supplements in person. The lady at the front desk only agreed to accept the returned items because she inspected them and confirmed no tampering was made. I was told the owner would contact me to the refund. I have attended no classes and the returned items have been in XXXX possession as on XX/XX/2020. The owner stated they have a no refund policy and they can not accept returned products ( although they have accepted mine ). However, the credit card dispute I filed with Chase bank was closed in XXXX favor because Chase demanded I submit a return receipt as proof. XXXX falsely claimed they did not have any of the returned items, so no refund would be made. When I provided both emails and voicemails as proof from the company stating they were indeed in possession, Chase stated a return receipt was the only proof they would accept to continue the dispute. The company perjured themselves in their official statement, but Chase would not investigate any further. They sided with XXXX. I have incurred a financial loss of {$560.00} and have received no service or product for the initial purchase made on XX/XX/2020. After reviewing comments on the XXXX XXXX XXXX and XXXX Consumer websites, it is clear this company is defrauding the public due to the following : - Advertising is misleading ( customers always pay more than advertised costs ) - Supplements given are not FDA approved and customers have no access to review ingredients with their primary care doctor, until they sign up for the program. - Staff is dressed in medical scrubs, taking medical information ( pulse, heartbeat, and medical history, etc ), but are none are licensed medical professionals. ( Violation to the public : None of your medical information is protected by HIPAA because they are not medical professionals ). - There is no signage posted about not being medically licensed to give healthcare advice, not is there prominent posting about their no refunds policy. Chase bank did not do due diligence regarding my charge dispute. Ive never had a company state that one a specific document ( return receipt ) is accepted as proof when you have documentation via email & actual voicemails left by the company admitting they committed perjury. Its as if Chase didnt want to protect the consumer given all the evidence against the company.

JPMORGAN CHASE & CO.

TX

75248

Consent provided

Web

2021-09-04

Closed with explanation

Yes

2021-03-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MS

391XX

Consent provided

Web

2021-03-30

Closed with explanation

Yes

2017-05-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I have been working on improving my credit score for the last year. In XXXX of XXXX , I noticed that all XXXX of my credit scores from Equifax, XXXX XXXX XXXX were at XXXX . The n one month later in XXXX XXXX , my credit score at Equifax dropped XXXX points in one da y, for no reason. There were no negative or positive changes that occurred on my reports to reflect such a significant decrease in points. This was confirmed verbally from all XXXX bureaus. I contacted Equifax again via phone on XXXX XXXX at XXXX . I spoke with a person who did not identify herself. I explained the situation, and she advised me that the company where I received my credit scores was reporting false informatio n ( XXXX XXXX ). I asked again why my credit score went down so drastically, and that I needed her to walk me through the process of scoring. She repeated herself, and then advised that I needed to purchase Equifax monthly services to fully understand my credit. She said, " the only way you can get your score or understand why your score changes is to purch ase ( our ) monthly plan. '' I asked for a supervisor, who then repeated what the original person said. I spent two hours r esearching, which included the phone call, and got no information or clarity. There was no explanation of any kind concerning my decrease in points. This agency has my life information including any future success I might have on rebuilding my credit. I am concerned with the handling of any personal information this company has and how they conduct business. It is also disheartening that this company refuses to work for the people, instead against them. I will continue to file complaints until there is change.

EQUIFAX, INC.

NV

89129

Servicemember

Consent provided

Web

2017-05-29

Closed with explanation

No

2023-09-06

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

See the attached documents.

Early Warning Services, LLC

TX

75165

Consent provided

Web

2023-09-06

Closed with explanation

Yes

2023-09-25

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I HAVE SENT NUMEROUS LETTERS TO ALL OF THESE CREDIT BUREAUS SINCE XXXX TOLD THESE PEOPLE THESE ACCOUNTS WERENT MINES NUMEROUS TIMES AND YET THE ACCOUONTS STILL REMAIN ON MY REPORTS I HAVE BEEN A VICTIM OF IDENTITY THEFT SINCE XXXX AND I RECEIVE AN IP NUMBER YEARLY TO FILE MY TAXES AS PROOF. MOST OF THESE ACCOUNTS ARE REPAT OFFENDERS OPENING CARDS WITH THE SAME COMAPNIES THEY HAVE SCAMMED BEFORE.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19023

Servicemember

Consent provided

Web

2023-09-25

Closed with non-monetary relief

Yes

2022-03-10

Credit reporting, credit repair services, or other personal consumer reports

Other personal consumer report

Problem with a company's investigation into an existing issue

Their investigation did not fix an error on your report

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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.

FL

34221

Consent provided

Web

2022-03-10

Closed with non-monetary relief

Yes

2018-07-04

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

XXXX XXXX XXXX has stated that they do not know who I am. I informed them that I have never attempted to get a loan from XXXX XXXX XXXX. However there is a hard inquiry on my report from this Loan Company. Please have them remove the hard inquiry listed on my credit report. on XX/XX/2016. I should not have to ask this company more than once to remove my information from their system. I should also be compensated for the emotional distress that this has caused. This company is attempting to gather peoples information and process fraudulent loans in their name or fraudulent loan applications in their name for the sake of number or to be efficient sales people. This is fraud and a violation of several laws. I need the address for this company a corporate address to pursue this matter in a small claims court. XXXX up | Log in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Credit Inquiriesclose XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue. Date Inquirer XX/XX/2016 XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

79902

Consent provided

Web

2018-07-04

Closed with explanation

Yes

2021-03-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Public record information inaccurate

On XX/XX/2021, I filed a dispute with XXXX and LexisNexis regarding bankruptcies that are being reported by LexisNexis without my authorization and approval on my credit. XXXX XXXX is reporting this information without consent and refuses to remove all of my information from all of their databases. I've asked for signed authorization for them to report this information and I have not received a response to my request. I did not and do not give LexisNexis authorization or consent to report any of my information or hold any of my information in any of their databases.

LEXISNEXIS

CA

95757

Consent provided

Web

2021-03-30

Closed with explanation

Yes

2023-05-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX XXXX XXXX XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX Acct XXXX. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file. 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Early Warning Services, LLC

GA

30339

Consent provided

Web

2023-05-17

Closed with explanation

Yes

2022-05-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Untitled { XXXX XXXX XXXX Medical Subject has not satisfied debt. } 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.

TX

78233

Consent provided

Web

2022-05-27

Closed with explanation

Yes

2022-06-11

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

On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( Transunion, XXXX and XXXX ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from Transunion. Transunion sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from Transunion stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

630XX

Consent provided

Web

2022-06-11

Closed with non-monetary relief

Yes

2023-02-15

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On XX/XX/XXXX, I filed a dispute with customer service over fraudulent charges to my account. They said it had been filed and I would need to go to the branch. I went to the local branch and the assistant bank manager ( whose name I can not remember ) said they had indeed filed the dispute but they missed on transaction so she filed the dispute on the XXXX charge. I asked when I spoke to customer service about my incoming deposit on the XXXX and was assured that I would be able to get the deposit out. I also asked the assistant bank manager who told me that I would be able to get the deposit as well. On the morning of the XXXX, I called the bank to make sure that I would be able to get the deposit and was told that the original dispute by customer service was never done and the over {$1400.00} I had in my account at that time was taken and applied towards the negative balance. I was also told that the deposit that I was assured I could get was also taken and applied to the negative balance. I had to refile the dispute on the 7 transactions of fraud again since it was never done to start with. The last lady I spoke to said she talked with another department to " try '' to expedite a refund of the over {$1800.00} deposit but it would take 24-48 hours before I would know anything. This isn't the first time I have had to change my debit card because of fraud. I have to change it ever 3-6 months because of their laxed security. They have put my family in a financial bind and we are at risk of losing everything because of this. I spent XXXX hours on the phone with the bank and nothing has been resolved.

PNC Bank N.A.

NC

285XX

Consent provided

Web

2023-03-13

Closed with monetary relief

Yes

2022-01-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75154

Consent provided

Web

2022-01-12

Closed with non-monetary relief

Yes

2023-06-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

10029

Consent provided

Web

2023-06-13

Closed with explanation

Yes

2018-07-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I did not once receive any notification from XXXX that I had a balance. Nor did I recieve notification that my credit limit had changed. I have not used my card for several months as I rarely visit XXXX stores and I had gift cards so I didnt need to use my credit card.

TD BANK US HOLDING COMPANY

CA

92673

Consent provided

Web

2018-07-17

Closed with explanation

Yes

2021-03-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX and experience have all dropped my score XXXX points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX points down stating that it is a new bankruptcy when it is clearly not the case

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

30297

Consent provided

Web

2021-03-01

Closed with explanation

Yes

2021-07-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

EQUIFAX, INC.

MO

652XX

Consent provided

Web

2021-07-17

Closed with explanation

Yes

2019-12-18

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Money was taken from your account on the wrong day or for the wrong amount

Hi I called Citi Bank executive regarding my issue charge came wrongly .. I told him this guy was nasty not listening keep on harassment Nd abuse This Citi bank total time fraud for customer

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

NJ

07002

Consent provided

Web

2019-12-18

Closed with explanation

Yes

2019-04-20

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

I owed XXXX {$1600.00}. The account went into collections and was serviced by ARS. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement onXX/XX/XXXX. It stated it would take 30 days for my credit report to reflect it. Well XXXX 's is now reporting on my credit report that I now owe {$330.00}. So I called ARS. They stated they submitted that they payment agreement was paid in full to XXXX and that I need to contact XXXX. I called XXXX and spoke with XXXX, # XXXX. She said that I paid ARS, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with ARS, not XXXX. So I still have a balance due with them. ARS was acting on XXXX behalf in this matter!

ARS National Services, Inc.

LA

70601

Consent provided

Web

2019-04-20

Closed with explanation

Yes

2021-03-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Credit card showing 30 days late on all my credit reports.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94577

Consent provided

Web

2021-03-08

Closed with explanation

Yes

2019-08-16

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I have a small business ATM debit card through Bank of America and for the last year I've had transactions from XXXX XXXX XXXX XXXX XXXX taking out money every month I requested the bank to stop these transactions cuz they were fraudulent after 1 month returns came back and they kept taking the money after 3-4 months they couldn't be stopped they changed my card then they put a stop payment on it they told me I had to close the account was the only way to fix it I asked for my money back they gave me some money back and then they took the money back again and said there was a time frame problem finally after the account was closed a month later I started receiving overdraft fees for this account because they're still letting these companies take the money out on a closed account and now they want me to pay overdraft fees and collection I did everything they told me about making this stop and they could not make it stop they told me that Visa has an agreement with them that allows these purchases go through

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

FL

339XX

Consent provided

Web

2019-08-16

Closed with explanation

Yes

2023-09-08

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

I ask Spring Oaks Capital LLC to email all information to my email address on XX/XX/2023, was told that they had emailed all relevant information to the email address on hand! no email was received nor have i received information, Disputed this with XXXX XXXX and Spring Oaks Capital Verified the debt with XXXX in less the 7 days! spoke with them again and still refused to verify, just stated that it was in dispute, but XXXX states other wise

Spring Oaks Capital, LLC

LA

70043

Consent provided

Web

2023-09-08

Closed with explanation

Yes

2021-09-21

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I am eligible for public service loan forgiveness, but I am not getting answers, even though I applied for forgiveness back in XXXX of this year. I was hired as an XXXX XXXX XXXX in XXXX of XXXX. My loans were consolidated in XXXX of XXXX. I do not recall missing any payments. I asked that my loans be put in forbearance only one time, at the urging of a representative with PSLF. The reason I requested forbearance for a total of a couple of months was to get the payments to " match '' their due dates. I have submitted two addendums showing proof of payments and requests for payments where PSLF says no payment was due. Every time I call, I speak to someone different and am unable to get an answer. I've been told multiple times they are still processing my application to see if I've made the 120 qualifying payments. No one is able to tell me how much longer it will take to process. I have stayed at my job for the last two years solely because of public service loan forgiveness. I have spent hours on the phone trying to get answers as to whether I qualify and if not, why. Please help me get an answer. I've asked to speak to supervisors and been told my application had been expedited, but to no avail. I should be eligible to have my loans completely discharged so I can move on with my career.

AES/PHEAA

FL

33137

Consent provided

Web

2021-09-21

Closed with non-monetary relief

Yes

2017-06-22

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

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017 and Experian XXXX/XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

33904

Consent provided

Web

2017-06-22

Closed with explanation

Yes

2023-06-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 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. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77057

Consent provided

Web

2023-06-08

Closed with non-monetary relief

Yes

2022-12-01

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

You never received your bill or did not know a payment was due

I have been having an issue with Avant Financial which is the credit card issuer. Since around the end of XXXX I have not been able to login or access my online account either on Avant 's website or their mobile App. I have tried contacting them over 8 times with my initial contact on XX/XX/22 at XXXX XXXX mountain time and have never received a response. I have reached out on their XXXX, XXXX and XXXX and have gotten no response either. Every time I call or get a call from their agents they are unable to access my account and constantly tell me " Our system is undergoing maintenance '' and that is the same message I get when I attempt to login to my account. I have tried resetting my password and still get the exact same issue. When I have called and set up a call back time with a supervisor I get no response, besides " we have escalated this call '' and " there is no supervisor available '' every single time. I am not getting any statements and occasionally I am getting emails with different people 's names instead of mine. I have been charged late fees and interest, non-payment records have been reported to my credit report and I still get zero support when I contact this company.

Avant Holding Company, Inc.

CO

802XX

Consent provided

Web

2022-12-01

Closed with explanation

Yes

2021-07-30

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

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

EQUIFAX, INC.

GA

30058

Consent provided

Web

2021-07-30

Closed with explanation

Yes

2023-04-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

Unable to retrieve XXXX or EXPERIAN CREDIT REPORT report via XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

AZ

85210

Consent provided

Web

2023-04-24

Closed with explanation

Yes

2021-02-08

Checking or savings account

Checking account

Problem caused by your funds being low

Non-sufficient funds and associated fees

This report is being referenced to an FTC Reference Number of XXXX, that involves Bitcoin currency to to wire transferred to XXXX XXXX. The XXXX XXXX dispute case number I have is XXXX XXXX, which Chase Bank from the claims department DENIED to take as a means of a PROPER, LEGAL investigation that has involved " impersonation '' of a man named XXXX XXXX XXXX who has been located in XXXX from a tip I received from a " XXXX XXXX XXXX ''. This impacts me due to XXXX XXXX being linked to all debit cards not just from Chase Bank, but from XXXX, XXXX XXXX. This complaint is also been recognized with the XXXX XXXX Sheriff 's Office case number XXXX. The merits of this complaint reside with the following, 1 ) fraud upon Chase Debit Card ending in XXXX, debit card number XXXX with an overdrawn account of {$500.00} due to the REFUSAL of XXXX XXXX " not completing there investigation at all '' to unlink XXXX XXXX from any bank account I have ever had and used as a secondary account for XXXX XXXX XXXX who is hiding out, evading from the police in XXXX, 2 ) due to no stimulus checks to recover any relief, damages, or assistance before the impeachment of Donald Trump has been criminal, illegal, and deceptive to a consumer such as myself, as this has been an apparent ongoing issue where banking errors have been overlooked, discredited chargebacks without a XXXX XXXX dispute case number as reference, that ultimately has caused the {$500.00} in debit in my checking account, and no consumer needs to or should wait for the government to act proper when they themselves are the sole root of disaster when we all need to where a mask, but have no monetary assistance seems like conspiracy fraud to me. XXXX XXXX denied the investigation on XX/XX/XXXX at XXXX. As of XX/XX/XXXX I am solely disputing the amount of {$500.00} by counteracting it by three times the amount to {$1500.00} due to A ) Improper resolution by improper investigation by not inquiring on the XXXX XXXX dispute case number of XXXX that Chase Bank secondary refuses to comply within there own policy and procedure to secure a consumers account an importance at this time, B ) That due to COVID-19 where no continual stimulus money has been coming in, I am denying that this outstanding debt has merit, that as a lack of resolution my character within any bank can be tarnished, defamatory, and that it is certain that political policy has overridden proper policy, and procedure. The case number within the XXXX County Sheriff 's Office has Lieutenant XXXX at XXXX.While it is unfair practices to have no attorney under the XXXX Amendment, an impeached president seems to still take away the CONSTITITUTIONAL RIGHT TO HAVE ONE for this issue and among others that have arose in other times. The debt from Chase Bank is being disputed solely based upon COVID-19 due to no funds to bring the account to a positive standing anytime before Donald Trump 's impeachment. The consumer is what makes the revenue for businesses not politics, and " impersonation ''. Conspiracy Fraud is more like it. I am not closing my account out, so if the bank decides to, then I'll file criminal charges against Chase Bank due to criminal interference by not taking heed to the XXXX XXXX dispute XXXX. I will be filling my own complaint with the sheriff 's office.

JPMORGAN CHASE & CO.

FL

32725

Consent provided

Web

2021-02-08

Closed with explanation

Yes

2019-10-08

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Several certified letters were sent to this company over a 60 day timespan requesting debt verification documentation and removal of the debt from all 3 credit bureaus. The company has not responded to any of the letters nor has this company removed the debt.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Convergent Resources, Inc.

MI

48035

Consent provided

Web

2019-10-08

Closed with explanation

Yes

2022-06-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reported : XXXX. Balance {$250.00} XXXX XXXX XXXXXXXX XXXX Reported XXXX. Balance {$700.00} XXXX XXXX and XXXX XXXX XXXXXXXX XXXX Reported : XXXX. Balance {$3100.00} 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 an account without my written authorization.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77449

Consent provided

Web

2022-06-16

Closed with non-monetary relief

Yes

2015-09-11

Student loan

Non-federal student loan

Dealing with my lender or servicer

Trouble with how payments are handled

Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are not eligible for income-based repayment. I did not ask or apply for such a thing and this is utter nonsense as other institutions have options to lower payments for private loans. I presented the situation that I 'm unable to make payments in full and would need it lowered. I do not plan on defaulting the loan that 's why I asked for help. They refused to go back to the lender and work with them to find a solution. They would call and harass me daily without providing a solution. I ask that CFPB step in to find me a solution. They 're damaging my credit by keep reporting late payments without providing a satisfactory resolution. This is modern day discrimination and we need to escalate to the highest level.

Company believes it acted appropriately as authorized by contract or law

GREAT LAKES

AZ

XXXXX

Consent provided

Web

2015-09-18

Closed with explanation

Yes

No

2022-06-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Problem with personal statement of dispute

Hello! I retained a paralegal company back in XXXX, the XXXX because I had 2 derogatory marks, both credit cards ( XXXX XXXX and chase ). They are both accounts that were open over 10 years ago and was closed over 7 years ago. I have been keeping up with my credit with all makor credit bureaus ( XXXX, Experian, XXXX ) but the derogatory marks are still there. I believe I should have those removed from my credit report as it was a very long time ago ( and I was a child with no financial literacy haha ). I would love your help in getting those removed. Thank you!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

10014

Consent provided

Web

2022-06-06

Closed with explanation

Yes

2023-07-26

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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

EQUIFAX, INC.

TX

77583

Consent provided

Web

2023-07-26

Closed with non-monetary relief

Yes

2021-09-01

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. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX all have fraudulent accounts on my credit profile that needs to be removed immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30296

Consent provided

Web

2021-09-01

Closed with explanation

Yes

2023-02-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

33614

Consent provided

Web

2023-02-03

Closed with explanation

Yes

2023-07-28

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

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not correct and update this accounts, 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

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NJ

07003

Consent provided

Web

2023-07-28

Closed with explanation

Yes

2022-11-11

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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

151XX

Consent provided

Web

2022-11-11

Closed with explanation

Yes

2019-05-20

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

This complaint relates to a consumer credit card we closed several years ago. Last spring -- long after the card was closed -- Bank America apparently recorded some kind of charge on the card, without our authorization, from a company we don't currently recognize. It appears -- as we later learned -- that Bank America then started sending us bills in the mail. We didn't make the charge in question. We hadn't authorized Bank America to record any charges after the card closed. And, of course, with the card closed down so long ago, we weren't expecting any statements from Bank America, so we didn't open our mail looking for them, and we didn't see anything they sent. Like most people, we get lots of unsolicited mail from financial companies. If anything arrived last year with a Bank America return address, we probably threw it away unopened. The first time we became aware of this situation was last XXXX, when we happened to open an envelope to find an " overdue '' statement for almost {$400.00}, on this long-closed card. The {$400.00} included many months of interest and hundreds of dollars in monthly late fees, far beyond the amount of the original spurious " charge. '' We called Bank America to try to find out what this was about. We were bounced around for over an hour. We eventually landed in the credit and collection office. The representative was rude and unresponsive. She told us the charge had posted last spring and " was valid, '' but refused to give any information about what company posted it, or what the charge was for, or who incurred it, or how it could have been posted without our authorization to a closed-down account. Nor would she even consider waiving any part of the interest or late fees she claimed Bank America was owed. Her only position -- expressed belligerently, without any reasoned explanation -- was, " you owe it. '' The credit and collections representative also claimed we'd called them in XX/XX/2018 ( which we don't recall ), and she claimed Bank America conducted an investigation of the charge at that time. We didn't remember any such call. We expressed bafflement at this. We asked for more information. She refused to give any. She wouldn't tell us what investigation was done, or what the investigation allegedly showed, or how or why it was resolved against us. We assume all this information would have been recorded in Bank America 's file notes somewhere, and it should have been a simple matter to look it up, but she refused to even try to do so. We hung up literally shaking with anger and frustration. Eventually we called back and spoke to someone else at Bank America, who was NOT in the Credit and Collections Department. This person was much more sympathetic : She said she had no idea how the Bank could have recorded a charge against our account, so long after the card was shut down. She agreed to " look into this, '' and terminate interest payments while she did so. I've never heard back from her. Instead Bank America [ probably the first woman ] seems to have turned us over to collections. We are now getting regular dunning letters and phone calls at work from a company called " XXXX XXXX XXXX. '' Our credit rating is being ruined. We still have absolutely no explanation from Bank America about what this is about.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

MA

02138

Consent provided

Web

2019-05-21

Closed with explanation

Yes

2021-05-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 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 that 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 ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

EQUIFAX, INC.

NC

28027

Consent provided

Web

2021-05-05

Closed with explanation

Yes

2022-07-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Problem with personal statement of dispute

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 2022

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38106

Consent provided

Web

2022-07-27

Closed with non-monetary relief

Yes

2020-11-25

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

Hello. I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency. Recently the collection agency who had it apparently sold it to another collection agency known as Midland Credit Management ( The lady identified herself as this company ) and we received a letter about the debt and threatening to hand it over to a lawyer in our area. Currently I've been receiving phone calls every few hours since XX/XX/2020 with today being XX/XX/2020 where I finally picked up the call. The lady did not identify herself and said she was with the agency stated above. She began saying I owe {$1000.00} in debt to XXXX XXXX and said " I owe her a reason for not paying her debt and once were done with this call we will decide what action to pursue ''. Upon a threatening voice and much harassment for the past 10min of the call duration I hung up. To date I have maybe 15-20 missed calls from the agency and unable to block their number due to them calling from a blocked caller ID. And ... if you're wondering ... I do not give my number out ever and I never get calls from unknown since high school

ENCORE CAPITAL GROUP INC.

SC

29579

Servicemember

Consent provided

Web

2020-11-25

Closed with non-monetary relief

Yes

2023-04-04

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 these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

EQUIFAX, INC.

TX

75042

Consent provided

Web

2023-04-04

Closed with explanation

Yes

2018-05-10

Debt collection

I do not know

Took or threatened to take negative or legal action

Seized or attempted to seize your property

1. XXXX is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 2. They transferred the servicing of this loan to Nationstar, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both Nationstar and XXXX for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 3. Nationstar has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. I have uploaded Nationstars letter, a copy of my policy, and a statement showing that my policy is current.

Company believes it acted appropriately as authorized by contract or law

NATIONSTAR MORTGAGE LLC

NC

27712

Servicemember

Consent provided

Web

2018-05-10

Closed with explanation

Yes

2019-12-03

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I on XX/XX/2019 used an ATM machine usin g the private pin number given to me by Suntrust Bank in ATM receipt. When I called Suntrust Bank to inquire why my pin gav e me access to an alternate account which had {$570.00} when there was only according my records {$8.00}. They refused to give me a sufficient answer hung up on me!!!! I would like an explanation Why my personal pin has access to other accounts??? Why I don't have access to these funds and where is this money coming from. Thank you. May XXXX XXXX Bless you.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SUNTRUST BANKS, INC.

GA

30310

Older American

Consent provided

Web

2019-12-03

Closed with explanation

Yes

2022-04-27

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 NEVADA XXXX XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 Section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Its 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

751XX

Consent provided

Web

2022-04-27

Closed with explanation

Yes

2022-12-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on XXXX XXXXXXXX XXXX images are attached. Identity report are also attached. The accounts that are fraudulent are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

33150

Consent provided

Web

2022-12-09

Closed with explanation

Yes

2020-01-27

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

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

EQUIFAX, INC.

TX

760XX

Consent provided

Web

2020-01-27

Closed with explanation

Yes

2023-04-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75104

Consent provided

Web

2023-04-03

Closed with non-monetary relief

Yes