Datasets:

aciborowska

/

customers-complaints-test

like 0

2016-02-05

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt was paid

Commonwealth Financial Services contacted me by phone telling me I had by end of day the next day to pay a debt of {$2000.00} or they would be sending me a summons for criminal charges. They tole me the additional fees could be upwards of {$8000.00} if we ended up in court. I told them to send me something in writing. I received a letter from XXXX XXXX ( XXXX XXXX? Email address was XXXXXXXXXXXX ). The letter stated that I had to settle the debt by XXXX/XXXX/XXXX to avoid any further collection proceedings. I received several harassing emails after our initial contact. I looked in my records and saw that this account had been satisfied in full with XXXX XXXX XXXX back on XXXX/XXXX/XXXX. I feel that this was a complete fraud tactic to scam me out of {$2000.00}.

Company believes it acted appropriately as authorized by contract or law

Commonwealth Financial Systems, Inc.

OR

97068

Consent provided

Web

2016-02-05

Closed with explanation

Yes

No

2023-05-17

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

Credit Reported Date : XX/XX/2022 Company : XXXX Amount {$340.00} Date : XX/XX/2022 Collection agency Name : Sunrise Credit Service Sunrise Credit Service reported to my account that I have unpaid balance that they took over in collection that doesnt belong to me. I never even had that cable company in my name and its been reported as identity theft.

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

SUNRISE CREDIT SERVICES, INC

FL

32828

Consent provided

Web

2023-05-17

Closed with explanation

Yes

2017-08-18

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX

EQUIFAX, INC.

GA

30339

Consent provided

Web

2017-08-18

Closed with explanation

No

2021-04-22

Checking or savings account

Checking account

Closing an account

Company closed your account

My accounts were closed without notification. I called to resolve issue and was told that they were not at liberty to disclose to me the reasoning for closing my accounts. I appealed the restriction and was denied and again appealed without knowing the reason for the restriction.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

TX

77346

Consent provided

Web

2021-04-22

Closed with explanation

Yes

2019-04-19

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

XXXX XXXX said my credit score was XXXX points lower than it really is and caused me to be denied auto financing. I've never even heard of this company and I definitely did not give my permission for my personal information to be given to them. Their reasons for such a low credit score were not true either. XXXX XXXX will definitely never get any business from me in the future and I will make sure to let everyone possible know about these two companies and what they have going on

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

ID Analytics, Inc.

MS

395XX

Consent provided

Web

2019-04-19

Closed with explanation

Yes

2022-05-05

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have disputed with Experian with unauthorized inquiries numerous times and they have ignored my concerns. I have asked them to delete these from my credit report and they have not. I have sent them an AFFIDAVIT OF FRAUDULENT INQUIRY on XX/XX/2022 and they have not sent me the paperwork I have requested nor deleted this from my credit report. These are the following companies I need off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

TX

75204

Consent provided

Web

2022-05-05

Closed with non-monetary relief

Yes

2022-10-10

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

My credit card company close one of my credit cards because there was a security alert on my identity and they wanted me to send in my identification. This is in 2020 when the covid was fully just started and the only option they would give for me to send them my identification was to mail it through the post office I had just went on for a little at work, and I didn't want to go out and have to go stand in line at the post office. So they didn't give me any other option to send my identification and so therefore they close my account. It ruined my credit. And after a month I kept on complaining and trying to send them my identification finally they let me email it to them and everything was fine. Then they kept on sending letters and calling me and asking me to reopen my account but they already ruined my credit. So finally I let them open XXXX of my accounts because I had XXXX. So I let them open the one with the lowest credit limit which was a {$300.00} limit. They send me my new card and we're doing just fine I go to check my credit report and they're reporting the wrong credit card with the wrong account on there and the credit limit is a {$900.00} limit I complain about it and they do nothing about it I log on to my account online. and it's the right account online they're sending me the bill I'm paying the bill every month they're sending me the right bill but they're reporting the wrong account to the reporting agency. And continuing to ruin my credit saying I'm delinquent payment every month. and my problem is experien will not take it off they've been reporting it for XXXX years. I have proof that they're reporting the wrong card I have a email from XX/XX/2020 saying I paid a {$250.00} payment and if you look on experience credit my credit report it says that month XX/XX/2020 that I was delinquent XXXX days I wasn't it's the wrong account they're reporting so can you guys help me. The document I'm uploading is sending in has the right account number and it's showing that I paid the payment in XXXX of 2020

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

Experian Information Solutions Inc.

CA

94601

Consent provided

Web

2022-10-10

Closed with non-monetary relief

Yes

2023-01-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

To Whom It May Concern : I recently received a copy of my consumer reports, and I noticed that it is reporting my experience with your company. The line of credit I have with your company is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! Your company is in clear violation of the law. Pursuant 15 USC 1682a 2 ( A ) ( i ) -EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( PENTAGON FEDERAL CREDIT UNION ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) Pentagon Federal Credit Union that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. PROOF OF PENFED CREDIT UNION REPORTING MY EXPERIENCE IS ATTACHED, AS WELL AS PROOF OFF PENFED CREDIT UNION REPORTING DIFFERENT ADDRESSES PER CREDIT REPORTING AGENCY. THIS IS ILLEGAL. ALL VIOLATIONS ARE CIRCLED IN RED.

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

PENTAGON FEDERAL CREDIT UNION

NV

89031

Servicemember

Consent provided

Web

2023-01-04

Closed with explanation

Yes

2021-02-11

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

For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me. What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency. This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later. The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me. My credit score has a result been bouncing up and down from good to fair or worse. e.g. Last month my credit score went from a XXXX to XXXX ( XXXX point drop ). Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute. The name of the collection agency currently showing this item is Paramount Recovery Systems - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX - address?

Company believes it acted appropriately as authorized by contract or law

Paramount Recovery Systems, L.P.

FL

33073

Older American, Servicemember

Consent provided

Web

2021-02-11

Closed with explanation

Yes

2022-05-26

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

Credit reporting

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

Was not notified of investigation status or results

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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

2022-05-26

Closed with explanation

Yes

2023-08-16

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX XXXX XXXX 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.

MD

21222

Consent provided

Web

2023-08-16

Closed with explanation

Yes

2022-08-04

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

Credit reporting

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

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

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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

Experian Information Solutions Inc.

IN

46205

Consent provided

Web

2022-08-04

Closed with non-monetary relief

Yes

2022-08-30

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 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 items ( A ). It is not permissible to fail to validate these reporting items 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 correct : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

EQUIFAX, INC.

MO

63121

Consent provided

Web

2022-08-30

Closed with explanation

Yes

2017-12-28

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

My name is XXXX XXXX and my life has been turned upside down by Stuart Lippman and Associates. This collection agency is bottom of the barrel and will go to any step to XXXX you off to try to get paid monies that arent even owed. Approximately almost two years ago I saw something pop up on my credit report from Stuart Lippman and I contacted them to show me proof of what I could possibly owe them. I am very diligent when it comes to my credit, so I was shocked to see a blemish on my report. Stuart has not been able to come up with ANY information showing that I owe them anything. The only thing that they sent me was an independent contractor agreement and an XXXX document with a name of XXXX XXXX, and I have no idea who this person is. They have no proof of anything owed in my name and refuse to stop the collection process. This company robo dials me all hours of the day and has been harassing me nonstop. After pain staking work, I was able to get the account off my credit via each of the 3 bureaus and I thought all this was behind me. However, recently I saw that they changed the account number and double the amount they are collecting and have put it back on all 3 bureaus without my knowledge or consent. Needless to say, I hit the roof as you could imagine as this slimy no good collection agency should be shut down for ruining peoples lives when they have no proof and are operating above the law. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( ii ), you are required to notify me with the reinsertion in writing within 5 business days. ( B ) Requirements relating to the reinsertion of previously deleted material ( ii ) Notice to consumer if any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notifications and they have no proof to show notification. This is a HUGE VIOLATION of the FCRA and I reserve the right to pursue legal action for their blatant and outright disregard for the law. This company thinks that they can operate above the law and as I see with the hundreds of complaints about this company, something needs to be done to shut them down and make they operate lawfully. They use scare tactics, robo dialers and hire unethical dangerous thugs to try to collect money that isnt owed. Please have Stuart Lippman remove the account they have on file for XXXX XXXX from all credit agencies immediately. Thanks in advance for your help.

Stuart-Lippman and Associates, Inc

CT

06484

Consent provided

Web

2017-12-28

Closed with explanation

Yes

2021-12-02

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I have sent several notices over the past year or two to the XXXX main credit bureaus ( EXPERIAN, XXXX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. This is a violation and is fraudulent. The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. I want these issues looked into and handled immediately.

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

Experian Information Solutions Inc.

GA

30039

Consent provided

Web

2021-12-02

Closed with explanation

Yes

2022-03-11

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

Credit reporting

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

Investigation took more than 30 days

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.

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

Experian Information Solutions Inc.

NC

272XX

Consent provided

Web

2022-03-11

Closed with non-monetary relief

Yes

2021-06-11

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Letter was received XXXX or XXXX XXXX from ERC claiming to be for collection of an overdue balance due XXXX XXXX of {$440.00}. ERC claimed account could be settled for {$310.00}. We have never had ANY dealings what-so-ever with XXXX XXXX. We do not desire to deal directly with XXXX or ERC if it will suggest ANY legitimacy of this debt.

ERC

WA

982XX

Older American, Servicemember

Consent provided

Web

2021-07-09

Closed with explanation

Yes

2022-07-30

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX, Experian, and XXXX are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXXThe date opened is inconsistent. XXXX has- XX/XX/2022 Experian has XX/XX/2022, XXXX has - XX/XX/2022 as well as the date of last active ; XXXX has XX/XX/2022, Experian has XX/XX/2022, and XXXX XX/XX/2022. Remove this account from my report for inaccurate reporting.

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

Experian Information Solutions Inc.

GA

30058

Consent provided

Web

2022-07-30

Closed with non-monetary relief

Yes

2023-02-11

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

Credit reporting

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

Investigation took more than 30 days

My first letters to the credit bureaus regarding this account were in XXXX 2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

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

Experian Information Solutions Inc.

FL

33030

Consent provided

Web

2023-02-11

Closed with explanation

Yes

2019-03-08

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

On XX/XX/2019 I applied for a Gold Delta SkyMiles Business Card in response to a promotional email I received. The promotion states approved card members will receive XXXX Bonus Miles after you make XXXX in purchases in the first 3 months and a {$50.00} statement credit after you make a XXXX purchase within the first 3 months. Also, there is no annual fee for the first year. After the first year, the annual fee is {$95.00}. I received the XXXX XXXX Sky Miles and the {$50.00} statement credit, but XXXX did not waive the annual fee for the first year. In response to my previous complaint with CFPB against the credit card company, XXXX stated this promotional offer is only for the Gold Delta SkyMiles consumer card. The enclosed promotional offer does not state this offer is only valid for the consumer card ( see attached ), nor was I told that when I applied for the credit card. This is nothing more than an illegal bait and switch tactic. I spoke with a representative this morning at XXXX. The representative stated she can't see this promotional offer I am referring to because it is expired. However, she said the promotions are the same for business and consumer credit cards.

AMERICAN EXPRESS COMPANY

MS

39047

Consent provided

Web

2019-03-08

Closed with explanation

Yes

2023-03-27

Checking or savings account

Other banking product or service

Opening an account

Unable to open an account

On XX/XX/XXXX, I filled out an application to open a money market online account, at Sallie Mae Bank. The site stated that it takes 5 days to process. I received an email on XX/XX/XXXX, stating that they were unable to approve my application. It stated that I could contact them at XXXX, SallieMae Customer Care. I called on XX/XX/XXXX and spoke to XXXX, who stated that she looked at my application, stated it will be sent to management for review for re-consideration. ( She told me that she looked at it and saw nothing wrong with it. ) She stated that I would hear back between 24-48 hours. I called again on XX/XX/XXXX and spoke to XXXX again, she said she would send it by email to her boss, also she stated that she was unable to pull up the documents, I did not receive any correspondence by phone or email from Sallie Mae. I called on XX/XX/XXXX and spoke with XXXX who stated my application was denied again, but could not offer an explanation. He stated I would get a call from a manager between 24-48 hours. I did not receive a call or an email. I called on XX/XX/XXXX and spoke to XXXX, and explained the situation. She stated that my application was " fraudulent. '' I asked her if I could a copy of my application and she said no. Then she said that they will not accept anymore applications from me. On XX/XX/XXXX I decided to apply for a money market at XXXXXXXX XXXX XXXX. I submitted my application and got a response right away stating that " we weren't able to approve your application. We can't accept your application because it didn't meet our requirements. '' We didn't make an inquiry to your credit report and appreciate your interest in XXXX XXXX. I called XXXX XXXX and spoke to XXXX, letting her know about my unapproved application. She reviewed the requirements that were needed, I didn't hear any that I did not cover. She stated I would get a detailed explanation in 7 to 10 days by mail.. Due to XXXX XXXX not accepting my application " immediately, '' I worry that my SS number or other personal information might have been " blacklisted? '' ( If there is such a thing ) I sincerely appreciate any help in this matter from the CFPB, to help me understand all of this. With sincerity, thank you.

Company believes complaint is the result of an isolated error

SLM CORPORATION

NY

12550

Consent provided

Web

2023-03-27

Closed with explanation

Yes

2023-01-28

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 human being a natural person and I have rights under the Fair Debt Collection Practices Act. Transunion and XXXX XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. XXXX XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact Transunion and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78628

Consent provided

Web

2023-01-28

Closed with explanation

Yes

2017-12-27

Debt collection

Credit card debt

Communication tactics

You told them to stop contacting you, but they keep trying

XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.

ENCORE CAPITAL GROUP INC.

NC

27407

Consent provided

Web

2017-12-27

Closed with non-monetary relief

Yes

2023-08-24

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

Credit reporting

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

Their investigation did not fix an error on your report

I have contacted each CRA in regards to inaccurate accounts that has been on my report for 5 -7 years. Although the credit agency is aware that the accounts are fraud and was opened without my permission. They continue to report items that are inaccurate and misleading on my credit report. The report shows a fraudulent account open with XXXX credit card in which I have never had a credit card issued from XXXX. When I contact XXXX XXXX XXXX XXXX informed me that the account does not exists and they do not have and account with my name or social security number. When I contact the CRA they said the account has been updated as valid. There are many discrepancies between the creditors and the CRA in which the information does not add up. I have addressed this issue over 15 times between XXXX by sending in my ID SSN and FTC report and a police report. When I contact XXXX the proceed to tell me they do not have my information on file or there do not see my FTC report in which I have uploaded on numerous occasions, mailed certified letters. The CRA is actually signing for the documents but are not uploading them to my file. I address this issue every time I call and my cries are ignored each and every time. The continously out my information in dispute in a on going cycle that never ends. They never address the issue but request for me to again send in my documents. Each CRA have done this on multiple occasion never helping me. This is ruining my life and is causing me a tremendous amount of grief and despair. I will be seeking litigations against XXXX, XXXX, and Experian in regards to my complaints outlined in this complaint.

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

Experian Information Solutions Inc.

GA

30058

Consent provided

Web

2023-08-24

Closed with explanation

Yes

2021-10-25

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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

EQUIFAX, INC.

NJ

XXXXX

Consent provided

Web

2021-10-25

Closed with explanation

Yes

2022-02-26

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

Credit reporting

Incorrect information on your report

Personal information incorrect

Send a personal information update letter to all 3 bureaus on XX/XX/2022. Haven't received nothing back from XXXX and Experian as of yet. But received a letter back stating that this is not me the letter is attached for prove also send a copy of State ID and Utility bill showing proof of address. They are stalling me out and not trying to update my information even with the State ID and Utility bill showing proof of address.

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

Experian Information Solutions Inc.

VA

23666

Consent provided

Web

2022-02-26

Closed with non-monetary relief

Yes

2020-07-23

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

Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.

EQUIFAX, INC.

GA

30720

Consent provided

Web

2020-07-23

Closed with explanation

Yes

2019-02-19

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Overcharged for something you did purchase with the card

This is the timeline of the events : 1. XX/XX/XXXX ; XXXX XXXX., charge of {$86.00} with my XXXX XXXX at a Restaurant XXXX XXXX XXXX, Washington D.C. 2. My cycle ends day 4 of every month. Upon receiving my monthly statement in XXXX, I noticed that this charge changed to exactly twice the amount : {$170.00}. I disputed the amount online. 3. On XX/XX/XXXX I was given a PERMANENT credit for {$86.00}. Citi case # XXXX. 3. On XX/XX/XXXX, I received in the regular mail a letter from Citi, Dispute Department, signed by XXXX XXXX, Service Specialist, Phone XXXX, email : XXXX asking for supporting information of my dispute, and saying : " ... if we don't hear from you by XX/XX/XXXX ( 2 days upon receiving this letter ), we'll investigate with the information we have available, and the conditional credit may be reversed ''. 4. Same date ( this was in the evening after I got home from my office ) I called customer services, explained the situation and expressed surprise for the letter and time frame given to answer the letter and provide supporting documents, considering that I already received an email confirming the permanent resolution of the dispute, and the information online, in the dispute center, indicated that the dispute has been permanently resolved. The customer service person agrees with me, that he was also looking at the same information on his screen. Nevertheless, he transferred my call to the dispute center. 5. XXXX XXXX was not available, but the person who answered the phone said that it was strange that I got an email, that they ONLY inform about dispute resolution by regular mail. She dismissed my observation about the two days given in the letter to provide information, and said that I could scan my receipt and sent it to the email above, as well as a scanned copy of the form. I play along, and I did so, sending an email the same night at XXXX XXXX 6. The following day, I called the restaurant, explain the situation, and they apologizes for the mistake. They offered to give me the credit on the spot, but I explained that I had already a conditional credit from citi, and to avoid confusions, it would be better to follow their process. They agree and stated that as soon as they receive the phone call from citi, they would confirm that there was an error. 7. On XX/XX/XXXX ; XXXX XXXX, I receive an email from Citi ( reminder, the dispute center said they do not communicate by email the resolution of a dispute ( sic ) ), indicating that my dispute has been resolved. Happily, I signed on my account online ( as I did when in XX/XX/XXXX they already told me that the dispute was permanently resolved in my favor ), and to my surprise, I found an electronic letter saying that : " after reviewing the dispute and the information you provided, we're unable to resolve the dispute in you favor ... ''. I was really surprised, considering that I send them a copy of my receipt that I signed in the restaurant, and the fact that the restaurant already agrees on the mistake ( you can not refute a hard copy proof ). 8. I immediately called customer services and explained the situation, and asked for the right instance to file a formal complaint and a resolution of the problem. The person on the phone was also surprised. He gave me a PO Box for the " Office of the President '', for XXXX in South Dakota. He also offered me a {$100.00} credit for being a " loyal customer '' ( I have a Citi AA Visa card since XXXX, which was arbitrary changed to a MC in XXXX ). I told him that I was grateful for that, but this was an issue of principles. There is a mistake and citi has to fixed and acknowledge it in writing. 9. The next day, XX/XX/XXXX, I called the restaurant again. They were surprised by the action taken by Citi, they said that Citi NEVER called them. XXXX, in charge of accounting, gave me on the spot a credit for the amount. She entered the transaction manually in the system, and she was kind enough to send me a scanned copy of the receipts. That transaction was recognized in the system only on Monday, XX/XX/XXXX. 10. I have copy of all documents, receipts, emails, etc., described above. After doing some research in the internet, I realized that there are many similar complaints, handled by the " Office oft the President '', without much success. But at the same time, I " discover '' the existence of your office, and I decided to send my complaint to you instead. It is very difficult for Citi to be a fair judge of what has happened, and a third neutral party is better suited to clarify this issue, and avoid future occurrences to other consumers, by " encouraging '' Citi to improve their internal coordination, particularly in such a critical unit as the Dispute Center. I believe, because of negligence and wrong doing from Citi despite the evidence provided as requested, some action is needed. In the best case scenario, this is not a systemic behavior, but a problem with the staff managing disputes, which is also bad, and should be of public interest to avoid repetition of this behavior with other customers. Thanks for you kind attention to this complaint and please, let me know if I can be of any help. Best regards.

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

CITIBANK, N.A.

MD

20854

Consent provided

Web

2019-03-21

Closed with explanation

Yes

2022-09-14

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

Credit reporting

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

Investigation took more than 30 days

I have contacted Transunion several times via mail and through the XXXX XXXX and the company does not provide the proof and the investigation needed to have these fraudulent accounts posted to my credit report on my Transunion credit report. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33025

Consent provided

Web

2022-09-14

Closed with non-monetary relief

Yes

2017-08-09

Debt collection

Private student loan debt

Attempts to collect debt not owed

Debt is not yours

I received a debt collection letter from F. H. Cann & Associates, Inc, stating, " This notice regarding your defaulted student loan or grant overpayment debt held by the XXXX. XXXX XXXX XXXX ... .has been placed with our office for collection ''. The amount is {$15000.00}. I have no such loan with the XXXX. Knowing this, I contacted F.H. Cann. The first thing I was asked was to give my social security number and date of birth. I told the lady I knew nothing about this and as a precaution, refused to divulge my personal information. She responded that she was unable to tell me anything until I complied. I then retorted to bring the matter to your department. That 's when she offered to give me the number to the XXXX. I called the XXXX who told me, correctly so, they had no record of me having any loan, outstanding or otherwise. The rep even connected me with another section of the XXXX who, after getting my personal info, concluded the same. I 'm now asking your department to delve into this issue to see what 's going on. Thank you for your assistance in the matter. I look forward to your finding.

F.H. Cann & Associates, Inc.

NY

10303

Consent provided

Web

2017-08-09

Closed with explanation

Yes

2022-06-04

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

Car dealership ran multiple unauthorized hard inquiries without me being there on the XXXX of XXXX and on the XXXX and XXXX.

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

Experian Information Solutions Inc.

AL

35226

Consent provided

Web

2022-06-04

Closed with non-monetary relief

Yes

2023-07-19

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I am a victim of identity theft please remove this fraud inquiry from my credit report.

EQUIFAX, INC.

CA

90805

Consent provided

Web

2023-07-19

Closed with explanation

Yes

2020-08-07

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

Credit reporting

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

Their investigation did not fix an error on your report

This is my third time complaint they keep responding that the complaint does not apper to be from me. This is an ongoing problem with Experian so I am sending the same request again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX & XXXX XXXX ) 2. ( XXXX XXXX, XXXX & XXXX XXXX XXXX 3. ( XXXX XXXX & XXXX XXXX ) 4. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

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

Experian Information Solutions Inc.

CA

92377

Consent provided

Web

2020-08-07

Closed with explanation

Yes

2022-09-02

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

I have unauthorized transactions on my Chase business account. Chase never investigated the claims and closed the dispute in less than 3 days. Chase refused to provide documents on what they used to determine those charges were valid. I was told they dont have any because none were used. Under federal law an account review isnt an investigation. They were supposed to submit documents to the business and request evidence that can be used to investigate the claim. My card was stolen. I was out of the country when these transactions took place. No way I couldve been in two places at once. XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Lemonade XXXX

JPMORGAN CHASE & CO.

TX

77382

Consent provided

Web

2022-09-02

Closed with explanation

Yes

2022-02-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

While checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 30 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33025

Consent provided

Web

2022-02-07

Closed with non-monetary relief

Yes

2022-08-01

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Synerprise consulting was paid on 2 seperate accounts in the amount of {$310.00} and {$110.00} for medical debts. They have not sent a statement showing balance was paid in full or had the colle tons removed from all three credit bureaus. I have called several times and they say they will send a billing statement and report to credit bureaus to have debts removed butits been months and its still in collections showing {$0.00} paid toward balance. These acct # XXXX for {$310.00} and acct : XXXX {$110.00}. By law as of XX/XX/2022 all paid medical debt has to be permanently deleted from all major credit bureaus. Synerprise Consulting has ignored my request but had no problem taking my money! I want this corrected immediately and my credit reports updated and a letter stating balances paid in full and colle tons removed permanently from all major credit bureaus.

Synerprise Consulting Services, Inc.

TX

756XX

Consent provided

Web

2022-08-01

Closed with explanation

Yes

2021-09-24

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

Credit reporting

Incorrect information on your report

Account status incorrect

Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.

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

Bridgecrest Acceptance Corporation

TX

770XX

Consent provided

Web

2021-09-24

Closed with explanation

Yes

2020-05-18

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92123

Consent provided

Web

2020-05-18

Closed with explanation

Yes

2022-12-31

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Resurgent Capital Services L.P.

FL

33771

Consent provided

Web

2022-12-31

Closed with explanation

Yes

2018-08-30

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Credit card company won't increase or decrease your credit limit

XXXX XXXX XXXX requested a credit limit increase on XX/XX/2018 and below attached will be the reasons for the denial in the letter provided by Discover stating " Past and or Present delinquent credit obligation as reported by agency bureau reports. '' Below also will be attached with the denial letter is a current copy of XXXX XXXX XXXX 's credit report that was reviewed on XX/XX/2018. This decision is incorrect and XXXX XXXX XXXX wishes to have a thorough investigation as to why he is being denied for a credit limit increase on reasons that do not accurately reflect his credit report. This information was forwarded and reviewed by XXXX XXXX in Discover 's executive office. He has failed to thoroughly examine and have this information reviewed and re-considered. There has never been past or present debt on XXXX XXXXXXXX XXXX credit report belonging to him as you can witness and view in a copy of his most recent credit report by XXXX.

DISCOVER BANK

NC

288XX

Servicemember

Consent provided

Web

2018-08-30

Closed with explanation

Yes

2017-12-26

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have a account from XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. I have a unverified public record that needs to be removed OHIO XXXX XXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.

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

Experian Information Solutions Inc.

OH

43230

Consent provided

Web

2017-12-26

Closed with explanation

Yes

2023-01-06

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

I received an invoice indicating that I owed {$6200.00} to XXXX XXXX Acct number ending in XXXX on an acocunt between XX/XX/XXXX and today. I received this notice in the XXXX mail on XX/XX/XXXX. I have never borrowed from XXXX XXXX or XXXX XXXX XXXX, the other creditor listed on their website. I believe this invoice/bill to be bogus and an attempt to scam a senior citizen. Until today, I have never received any form of communication from this company. I will contact them tomorrow but I can confirm I have never heard of this company and have never borrowed any money from the creditors they represent. This debt is not legitimate. This debit is not and has never been listed on any of my credit reports.

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

Credit Control, LLC

CA

94501

Older American

Consent provided

Web

2023-01-30

Closed with explanation

Yes

2022-01-24

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

Credit reporting

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

Their investigation did not fix an error on your report

is not responsible for any medical bills have had medicaide since 2008!

LANIER COLLECTIONS AGENCY AND SERVICES INC

VA

23185

Consent provided

Web

2022-01-24

Closed with explanation

Yes

2017-02-23

Debt collection

I do not know

Improper contact or sharing of info

Talked to a third party about my debt

A company called Amerassist has called my Mother in Law, my Father in law and a very distant cousin of mine, who I do not even have the contact information for myself, and has shared with them that they are attempting to collect a debt from me asking for information. They have called them on private home numbers and cell phone numbers, even after they ask to stop being contacted. I am unaware of any debt owed, and they are harassing people that I do not even speak with about alleged financial issues.

AmerAssist A/R Solutions, Inc.

MI

480XX

Consent provided

Web

2017-03-23

Closed with explanation

No

No

2022-09-01

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

Account was charged off and I paid Amex directly. I was told that once paid account would be deleted from credit report. Over the years I didn't realize that it was still showing and as a negative account. Called them and was told there's nothing they can do I have to wait for it to fall off ny report. So basically they lied for me to make the payment then didn't keep up with their end of the bargain

AMERICAN EXPRESS COMPANY

NY

11238

Consent provided

Web

2022-09-01

Closed with explanation

Yes

2023-08-18

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

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

317XX

Consent provided

Web

2023-08-18

Closed with non-monetary relief

Yes

2022-04-15

Debt collection

Other debt

Communication tactics

You told them to stop contacting you, but they keep trying

National Credit Adjustors is harrassing me after I've repeatedly told them not to call me. I recieve multiple calls daily on multiple numbers and many of them are spoofed calls. They call me back to back on my personal and work number they recieved from my voicemail. They are calling and not saying anything from local numbers just to annoy and harrass me. They are also using my number to spoof others as an attempt to invalidate my number and have it labeled as spam. I've made multiple requests to no avail and at this time need them to end all communication and cease with all harrassment

National Credit Adjusters, LLC

TX

XXXXX

Consent provided

Web

2022-04-15

Closed with explanation

Yes

2023-04-08

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2023, I sent letters to TransUnion, XXXX, and XXXX to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95833

Consent provided

Web

2023-04-08

Closed with non-monetary relief

Yes

2018-07-19

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

Credit reporting

Incorrect information on your report

Account status incorrect

This XXXX XXXX XXXX account # XXXX has been settled and Paid. This account should be reported as " Closed '' XXXX and Experian incorrectly continue to report the account as " Open ''.

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

Experian Information Solutions Inc.

TN

XXXXX

Servicemember

Consent provided

Web

2018-07-19

Closed with explanation

Yes

2019-02-09

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I have been enrolled in online classes with XXXX XXXX XXXX since XX/XX/XXXX I have had issues with receiving educational funds for my online courses at home as far as Wi-Fi service and other means of service at home needs for my educational purposes XX/XX/XXXX I ran across a financial situation at home I reached out to XXXX XXXX XXXX they informed me In the student federal aid department that the earliest for me to receive finance assistant with my educational purposes at home was XX/XX/XXXX to call that that day. I called back XX/XX/XXXX and I spoke with a student finance assistant again at XXXX XXXX XXXX I was told that I would receive financial assistance for my educational purposes at home by receiving a check via mail in 14 days I did not receive a check I did not hear from them I signed four award letters in the month of XXXX one dated XX/XX/XXXX one dated XX/XX/XXXX one dated XX/XX/XXXX and XX/XX/XXXX I am still unsure what my actually award grant for my semester term we started XX/XX/XXXX and last till XX/XX/XXXX I have reached out to my student advisor and in the meanwhile XXXX XXXX XXXX has change my advisor from me I have been reassigned to another advisor I have been calling numerous times asking for assistance they have not sent me any financial help for my Wi-Fi service or my electricity service which I can maintain a good grade average and also be very active as I was from XX/XX/XXXX I was at a 3.5 average doing up to XX/XX/XXXX maintaining an A B average in over half of my five weeks courses. I have since dropped down to a 2.7 also I have a D in a course and some missing weeks of class works because my Wi-Fi service was disconnected and I had no means of finding a way for my electricity service I reached out to XXXX XXXX XXXX and advise Them of my situation once again they did not reach out to me with any support. As a matter of fact they stated that they havent even received any funds for me yet but yet I was showing dates on my federal loan site where pay out was distribute XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they was receiving my grants and loans I asked them to make my federal package out enough for my tuition my books and my educational means at home. I just got out of homeliness in XXXX when I first began I was out in the night at churches using their WiFi services or at a relative house as long as I could before they retired for the night using their WiFi and electricity because I do not have the tools to do my work or no home at the time but I press through receiving good grades, no one has assisted me as of yet. I have as of this date XX/XX/XXXX have not received anything to assist me with my educational purposes at home I have since taken out a personal loan outside of my schooling to tend to my electricity bill and my Wi-Fi services because I failed a course and they are making me retake the course over which I have to pay for it again all over which I was explaining to them that I did not have the tools to do my educational purpose and thats why I asked for the assistant way back in XXXX I still havent received any assistance for my educational purposes which is the reason of my grades falling down making me miss weeks of work and making me have to retake a course not to mention repay for it. I just started my course that I had to repeat over I am currently in the third week of it missing the first two weeks I asked XXXX how come they keep making me do work that I have no equipment to do the work with which is making me fail class that makes me have to pay for the class take it over again I was way in boundaries of letting them know of my situation before my GPA fail and before I had missed classes I have a D in my last courses last XXXX when services was disconnected and it hurt. It has put me behind because I was supposed to be employed at this time working at home as an at XXXX XXXX XXXX XXXX applying for XXXX XXXX I am taking XXXX XXXX XXXX with XXXX XXXX XXXX and I was going to pursue a job working at home as a XXXX for a virtual company making {$28.00} an hour where I could be well prepared to repay my student loans or whatever my obligation was to as far as my education debt goes this school has made me so upset they have put me back they have forced me out into the streets so I can have the funds to take care of my house situation I dont need Wi-Fi I dont need the service running 24 seven running up my electricity bill I can do without it but I do need education so it is a requirement that I have that service not to mention that they are scheduling me for a mock interview XX/XX/XXXX which I am responsible for being online on a laptop which has to be charged up with electricity has to be running off Wi-Fi and I have to be on a phone without those services how could I do a mock interview I have already missed one and failed with an F and they keep setting me up for failure again theyre not supporting me with my financial aid package completely where it would benefit me at home with my educational tools. I have been in debt because of the situation where I couldve have seek for local resource assistance if I wasnt being lied to services on Im working and ready to repay my loan I have requested for them to take out more for my needs they stated to me that my package wasnt enough to help me out at home I dont know whats true I dont know was not true all I know is I have not received any Financial support for my educational needs at home which put me in a failure state which I had to repeat a course and have to take out more money for electricity and WiFi services. yeah they say XXXX cares but my opinion they dont this is the way it has been explained to them numerous times what have they done nothing I have asked him to explain to me over and over, I signed four award letters I dont know the actual amount for my semester tuition thats this time I am in a bind and they would not help me or tell me anything and everybody directs me to my school student loan and they are the enemy I do not need to talk to them about my situation because they lied to me and told me that I was going to receive some help in XXXX and I couldve looked around locally for resources to help me I depended on that and they told me a lie and they cant put it out the last time they told me it was XX/XX/XXXX XX/XX/XXXX has came and gone I still have not received any financial assistance I have since paid my electricity service bill {$380.00} which I had to borrow the money to pay for that and I paid for my other services at home so I can go ahead and finish the courses and take the courses because I noticed XXXX did not care and the longer I went without those services for me to be successful in my courses I was going to fail because they was not going to help me so I had to go and borrow the money so I have another debt I thought that I sought on my student loans as well I dont wan na be back with the school to the school I dont wan na talk to the school because I dont wan na hear nobody telling me how to focus and how to schedule and plan my life they supposed be a school teaching me and I know what I have going on and had planned it out up decently and XXXX messed it up its like they stretched it out for it to be doing this time. For some type of reason now I am in my last five weeks of my program looking to graduate hopefully in XX/XX/XXXX and they have put me down to a part-time student which now Im not gon na be qualified for all that I was qualified for its like they dragged me to this part right here they kept telling me yes they going to do this yes I can do this yes they going to send support. Instead drag me to this point Ive felt courses and missed days and I had to retake the classes it has been hectic with XXXX XXXX XXXX if you want to take a XXXX XXXX XXXX certificate diploma what have you Please do not choose XXXX XXXX XXXX. Last five weeks of my program course graduate and hopefully in XX/XX/XXXX but now XXXX have put me down to a part-time student which now Im not gon na be qualified for all that I was qualified for is like a drag me to this point right here they kept telling me yes they going to do this yes I can do this yes they going to send is a cent sign award letters and everything in the lot to me and a direct me to this point Ive failed courses and miss weeks of courses and I have to retake the classes is been hectic with XXXX XXXX XXXX if you want to take a XXXX XXXX XXXX certificate diploma what have you Yall do not choose XXXX XXXX XXXX.

Nelnet, Inc.

FL

325XX

Consent provided

Web

2019-02-09

Closed with explanation

Yes

2022-12-06

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

Credit reporting

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

Was not notified of investigation status or results

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

EQUIFAX, INC.

DC

20018

Consent provided

Web

2022-12-06

Closed with explanation

Yes

2020-12-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, CITIZENS ONE AUTO FI add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

CITIZENS FINANCIAL GROUP, INC.

WA

98058

Consent provided

Web

2020-12-14

Closed with explanation

Yes

2022-03-16

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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Experian Information Solutions Inc.

CA

XXXXX

Consent provided

Web

2022-03-16

Closed with non-monetary relief

Yes

2017-06-29

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

I 've had the Fidelity rewards XXXX card for several months. The card was supposed to come with an introductory bonus promotion of, I believe, {$100.00}. I have not received this bonus. In addition, I have referred 2 family members for the card and have not received the referral credit bonus either.

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

U.S. BANCORP

IL

60174

Consent provided

Web

2017-06-29

Closed with explanation

Yes

2021-09-10

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

Credit reporting

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

Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

EQUIFAX, INC.

GA

310XX

Consent provided

Web

2021-09-10

Closed with explanation

Yes

2022-11-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

89081

Consent provided

Web

2022-11-16

Closed with non-monetary relief

Yes

2021-10-06

Debt collection

Auto debt

Attempts to collect debt not owed

Debt is not yours

Today on XX/XX/XXXX I had spoken with RPM known as Receivables Property Management in XXXX, Washington regarding a debt that I do not owe on. They contacted me regarding an debt from an car through XXXX XXXX XXXX from XXXX XXXX that is no longer in business. I am unfamiliar with this company and debt pertaining to me from RPM. I ask them to verify the account and they could not validate or send me over a contract.

Company believes it acted appropriately as authorized by contract or law

Receivables Performance Management, LLC

CA

91367

Consent provided

Web

2021-10-19

Closed with explanation

Yes

2023-03-12

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

Credit reporting

Incorrect information on your report

Account information incorrect

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Bread Financial Holdings, Inc.

NM

87031

Consent provided

Web

2023-03-12

Closed with explanation

Yes

2023-05-21

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

Credit reporting

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

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

I am requesting for dispute with the consumer report agency I got from XXXX XXXX XXXX that the record still has that record, I am very afraid because the record will ruin my future. I feel like there will be an obstacle in my job, and I am very scared, last time I tried on my name house leasing I did not qualify for house leasing, onXX/XX/XXXXI tried to open a bank account from XXXX XXXX they did not allow to me open account reason consumer report agency, Then I realized that. Please support me for that record consumer report agency. What should I do about this?

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

17050

Consent provided

Web

2023-05-22

Closed with non-monetary relief

Yes

2018-01-19

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

I previously paid off this collection for a XXXX bill on XX/XX/XXXX/17. After requesting my credit report and seeing it was still posted I called and spoke with representative XXXX XXXX and requested the collections to remove the delinquency from my credit report however he told me the company was unable to complete a deletion. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency. I do not believe this is true of a collection agency.

Company believes it acted appropriately as authorized by contract or law

TENET HEALTHCARE CORPORATION

TX

770XX

Consent provided

Web

2018-01-19

Closed with explanation

Yes

2020-11-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

filed several reports ftc report police report XXXX and XXXX complied with the laws and removed all negative items that where requested equifax still show these requested items on my report

EQUIFAX, INC.

IL

608XX

Consent provided

Web

2020-11-14

Closed with explanation

Yes

2022-02-10

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

On XX/XX/XXXX I contacted Equifax about the following accounts that are reporting past due balances on accounts that are charge off which is a clear error on the reporting ; XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$40000.00}, XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$19000.00} ) and XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$7600.00} ). They are also reporting a collection account from XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ) that I don't recognized and that the bureau failed to validate as I request multiple times. Attached is the previous letter I sent to the bureaus. I also have the certified mail receipts that I can provide if necessary.

EQUIFAX, INC.

FL

32225

Consent provided

Web

2022-02-10

Closed with explanation

Yes

2021-01-27

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

Credit reporting

Incorrect information on your report

Account status incorrect

My concerns with Mr. Cooper and their unfair credit reporting processes. I paid my account within 30 days XXXX XX/XX/XXXX ) and was reported late. Also, I modified my account in XXXX and I was advised once the modification was complete my payment would not be reported late. Loan Modifications include loan reporting requirements that result in the mortgage continuing to be reported as current and paid in full, if the requirements of the program are met by the homeowner. My payment was reported late for 9 consecutive months.

Mr. Cooper Group Inc.

AL

35226

Consent provided

Web

2021-02-12

Closed with explanation

Yes

2023-02-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank prime loan credit builder was open without my permission and reported to my XXXX, XXXX and TransUnion credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23505

Consent provided

Web

2023-02-05

Closed with non-monetary relief

Yes

2023-04-04

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

Credit reporting

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

Was not notified of investigation status or results

1 Collection XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Derogatory XX/XX/XXXX {$270.00} Reported Illegally on my consumer report this above collection item On XX/XX/XXXX I not only contacted the consumer reporting agencies regarding this illegal item, which would constitute as identity theft as I never did any business whatsoever with XXXX and wrote to XXXX as well requesting they provide all documentation regarding our contracting them, billing and payment history, contract to do business with them, life of the account. They did not respond in any way, what they have done is now sell or transfer this debt to I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account numberXXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$270.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX. This is how they ruin and abuse consumer 's creditability and consumer profile. I never did any business with IC Systems, nor have I received any information from them. How they are allowed to illegally furnish information to my consumer profile is not only injurious to me but alarming. Aside from the personal injury to me, these persons ( XXXX and XXXXXXXX XXXX XXXX ) in collaboration with consumer agencies are breaking the law. In fcra 15 USC 1681 Congress specifically stated what can be reported to a consumer 's report and equally important what MUST BE EXCLUDED. Any transactions and experiences are to be excluded from a consumer 's ( my ) profile. In addition, in my communication with XXXX I exercised my right given to me by congress to request XXXX to cease and desist from this illegal activity they in turn chose to collude with IC SYSTEM Inc to further injure my consumer profile. I have never done any business with XXXX not IC SYSTEM INC. I have never opted in to their reporting to the consumer agencies on my behalf. I am pleading to CFPB and FTC to get these persons and agencies to provide my OPT IN and life of the transaction proof as well as any contract of me agreeing to do business with them.

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

I.C. System, Inc.

NY

121XX

Consent provided

Web

2023-04-04

Closed with explanation

Yes

2023-05-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have disputed these erroneous account multiple times because I do not recognize this debt. The company did not preform a proper investigation therefore the account wasn't removed. The company insists that the account is mine although it is not. If there is an account with them in my name it is a result of theft. I have filed an identify theft report. There are two accounts with XXXX XXXX. XXXX XXXX XXXX Account number XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX. In addition, the company keeps changing the charge off date. The charge off is over 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

76001

Consent provided

Web

2023-05-16

Closed with explanation

Yes

2021-08-21

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

US BANK allowed a debit transaction to process when there wasn't sufficient funds in the account to satisfy debit amount, without my permission. The consequence being my account being overdrawn. To which US BANK promptly added a overdraft charge of {$36.00}, a maintence fee of {$14.00}, and {$.00} service tax. When I contacted customer service, demanding a reversal of charges because I did not authorize said transaction. But also, US BANK should protect their clients accounts from such transactions is their are insufficient the in the account. Instead, US BANK designs their mobile app to have a default setting ALLOWING transactions to complete WITHOUT SUFFICIENT FUNDS. The support rep explained that I could change this overdraft setting, if I preferred. But nowhere, on their app or website, does the bank inform their customers that there is a setting for overdraft permissions and that it's default setting is in " allowed overdrafts '' mode. . This obvious fraud, as in the bank 's monetary gain from overdraft charges in the amount of {$36.00} per overdraft, needs to be addressed immediately. THIS IS OBVIOUSLY INTENTIONAL in order to financially gain from overdraft fees and FRAUD.

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

U.S. BANCORP

IA

526XX

Servicemember

Consent provided

Web

2021-08-21

Closed with explanation

Yes

2023-08-03

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

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

EQUIFAX, INC.

MI

48038

Consent provided

Web

2023-08-03

Closed with non-monetary relief

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Servicemember

Consent provided

Web

2023-08-25

Closed with non-monetary relief

Yes

2023-04-18

Checking or savings account

Savings account

Managing an account

Funds not handled or disbursed as instructed

My Name is XXXX XXXX, XXXX XXXX. I work with XXXX XXXX XXXX XXXX. I went to regions bank on XXXX to make a wire transfer of XXXX thousand dollars to my account in homeland, till today regions bank has refused to send the money to my account as instructed, and the money has since been debited from my regions bank savings account. I have gone to the bank several Times to have this silted out but they have been treating me with disdain. XXXX XXXX

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

REGIONS FINANCIAL CORPORATION

TN

370XX

Consent provided

Web

2023-04-18

Closed with non-monetary relief

Yes

2022-04-06

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have disputed the following items with TransUnion to be removed and deleted from my credit report on XX/XX/XXXX and these unlawful incorrect items are still being reflected on my credit report : company : XXXX XXXX opened date : XXXX XXXX amount : {$980.00} company : XXXX XXXX opened date : XX/XX/XXXX amount : {$1800.00} company XXXX XXXX XXXX XXXX opened date : XX/XX/XXXX amount : {$1900.00} company : XXXX XXXX XXXX XXXXpened date : XX/XX/XXXX amount : {$470.00} company : XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$4100.00} company : XXXX XXXX closed date : XX/XX/XXXX amount : {$0.00} company : XXXX opened XXXX : Decemeber XXXX, XXXX amount : {$0.00} company : XXXX XXXX XXXX XXXX closed date : XX/XX/XXXX amount : {$100000.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33467

Consent provided

Web

2022-04-06

Closed with non-monetary relief

Yes

2020-06-26

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX and Transunion are incorrectly reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

80634

Consent provided

Web

2020-06-26

Closed with explanation

Yes

2016-11-17

Debt collection

Payday loan

Disclosure verification of debt

Right to dispute notice not received

I found a collection on my credit report from Midwest Recovery Services and they told me it was in regards to a payday loan I have no knowledge of. I was never notified prior to this showing up on my credit report. I asked for proof and they denied to give it to me, rather they said they reported it as fraud and the client will need to file felony charges. I want it removed from my report unless they can provide something showing I am mistaken. Obviously if I owe I would pay but I do not believe I owe anything. They say original creditor is XXXX. I 've never heard of them.

Midwest Recovery Systems

MI

48420

Consent provided

Web

2016-11-17

Closed with explanation

No

No

2021-03-22

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

XXXX XXXX has pulled a hard inquiry on my credit file twice in XX/XX/2021. XXXX XXXX can not access my Equifax credit file after I have removed my security freeze. XXXX XXXX is able to access XXXX, and XXXX with no problems. I contacted Equifax directly and they have confirmed the security freeze for my credit file is temporarily lifted. XXXX XXXX should be able to access my credit file.

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2021-03-22

Closed with explanation

Yes

2023-03-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19083

Consent provided

Web

2023-03-28

Closed with non-monetary relief

Yes

2022-05-24

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have attached and FTC report with inquiries I did not authorize

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

Experian Information Solutions Inc.

FL

33032

Consent provided

Web

2022-05-24

Closed with non-monetary relief

Yes

2022-09-01

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 has removed anything negativity affecting our credit report and account but Equifax refuses to remove the negative historical payment history from report. We cant dispute it because their site says we have an error disputed this account already. Account was showing 180 days late in error and Equifax refuses to remove it. We have tried and failed several times to get Equifax to correct error all other reporting agencies have removed the error

EQUIFAX, INC.

CA

95336

Consent provided

Web

2022-09-01

Closed with explanation

Yes

2022-02-06

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

Credit reporting

Incorrect information on your report

Account information incorrect

I began contacting all three credit bureaus who were documenting inaccurate information on my accounts, late payments from XXXX and XXXX XXXX. XXXX is reporting late payment for XXXX on XX/XX/XXXX. This is reported correctly only XXXX and TransUnion. XXXX XXXX is being reported inaccurately on all three ( XXXX reporting a late payment in XXXX while XXXX and TransUnion are XXXX late payment for XX/XX/XXXX ). I have attempted to contact the company in reference to these inaccuracies and when they failed to provide me the documentation I contacted each bureau informing them I've never been late, provided documentation of request sent to the company and since they did not provide me valid proof per the Fair Credit Act, I requested each bureau delete the inaccurate late payment from my report. Each wrote back and stated they investigated and stated the information was accurate. I responded by asking for validation of this information since I was not provided it and since they it is XXXX payment it could have been late in XXXX AND XXXX. Again I requested the late payments be deleted, but they are still there. I have followed the same procedure for XXXX and now it only remains on XXXX as inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28376

Servicemember

Consent provided

Web

2022-03-01

Closed with non-monetary relief

Yes

2020-08-06

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

i Have Both medicare and medicaid and was balance billed by doctors office. in Pennsylvania i can not be held responsible or billed or sent to collections for balance billing it is against state and federal insurance law and consumer protection law. i was sent to collection company XXXX XXXX XXXX XXXX XXXX XXXX please investigate not only with debt company but also XXXX XXXX XXXX.

EQUIFAX, INC.

PA

184XX

Consent provided

Web

2020-08-06

Closed with explanation

Yes

2019-08-03

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

Credit reporting

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

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

On XXXX XXXX 2018 I bought a diamond ring for My wife for our XXXX wedding anniversery at Diamond international that they said was a XXXX for {$18000.00} when we got back Home to XXXX nh we had it appraised at a local jewler that said it was worth {$9500.00} I spoke to DI who said I had to bring it to one of there appraiser and gave me the name of XXXX XXXX at XXXX XXXX XXXX. XXXX told me the ring was a XXXX to XXXX and had XXXX chips that DI never mentioned and said yhey were probably done in the mounting of the stone. When I told this to di they said they would give me 25 % off a new mount but I have to spend double what I spent or I could get a {$45000.00} DI gift card I told this was not an option since they lied to me about my first purchase with them and told them I wanted to return the ring since it was not a XXXX that the certificate they gave me said and had two chips they never disclosed. I filed a dispute and they continue to give me bad credit rating which should not be allowed since its in dispute.

Bread Financial Holdings, Inc.

NH

03103

Consent provided

Web

2019-08-05

Closed with monetary relief

Yes

2022-08-26

Debt collection

Payday loan debt

False statements or representation

Attempted to collect wrong amount

I received a letter stating I have until XX/XX/22 to dispute all or some of the debt and if i do so in writting collection attempts will stop until info is sent showing i owe the debt. As of XX/XX/22 This debt collector illegally added it to all 3 credit reports. I have called their number several time during this period and I never get to speak to anyone and no one ever returns my calls.

Debt Recovery Solutions, LLC

KS

666XX

Consent provided

Web

2022-08-26

Closed with explanation

Yes

2021-02-17

Debt collection

I do not know

Took or threatened to take negative or legal action

Threatened to arrest you or take you to jail if you do not pay

received multiple emails regarding a judgement to be filed under my name for different accounts i have no idea. emails threatens to put me to jail if i dont respond in 24 hrs. responded to the different XXXX accounts of the so called atty but has not received any reply.

Populus Financial Group, Inc. (F/K/A Ace Cash Express)

IL

60133

Consent provided

Web

2021-02-17

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

Their investigation did not fix an error on your report

I XXXX XXXX am filing a complaint against Equifax, I have disputed a collection account several times with them despite me sending a proper documentation they still have yet to remove this fraud item from my credit report I have disputed this collection over 10 times in the past four months to no avail nothing is been done I have even sent a complaint with cfpb that didnt do anything they are still reporting this collections despite me sending the documentation, the item gets deleted and its placed right back on report The dates I sent documentation from current to past, I am victim id theft this really isnt right this collection is still reporting and I am providing proper legible documentation Collections : Fair collections & outsourcing Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

TX

761XX

Consent provided

Web

2022-06-11

Closed with explanation

Yes

2018-11-01

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

I opened a Citibank checking and savings account ( " Citibank Account Package '' ) online XX/XX/XXXX, XX/XX/2018 via their promotional link. The promotion stated that if {$15000.00} was kept in the account package for 60 days, Citibank would give me a {$400.00} bonus. They have up to 90 days to pay the bonus. I funded the account XX/XX/2018 with {$15000.00} split between checking/savings. On XX/XX/XXXX my savings account was charged a {$25.00} service fee. Their Account Package states that a balance of {$10000.00} must be maintained to avoid a fee. I contacted them on XX/XX/XXXX to inquire about the fee since I had {$15000.00} in the accounts. They said the accounts were't linked and that was the reason for the fee. I didn't understand as I have a screenshot from opening the accounts, clearly stating that it is an account package with my new checking and savings account numbers. They refunded the fee. I asked if this would affect my {$400.00} bonus and they said no, as the dip below {$15000.00} was due to their error. On XX/XX/2018 I received an email stating that I did not qualify for the {$400.00} bonus because " The required deposit balances were not maintained during the offer period ''. I immediately contacted them and they opened a bonus dispute inquiry on XXXX. I heard nothing and then contacted them on XX/XX/XXXX, where they said the problem was top priority. On XX/XX/XXXX I received a secure message that the bonus was denied. I opened up a new bonus inquiry on XX/XX/XXXX. I have heard nothing. The interesting thing is : my wife opened up the same Citibank Account Package at the same time using the same {$400.00} promotional URL. Her account was also incorrectly charged a {$25.00} fee on XX/XX/XXXX, causing it to dip below {$15000.00}. She opened a bonus inquiry on XXXX as well, and she received the {$400.00} bonus on XX/XX/XXXX. There is nothing different between these two situations. Why I am not getting my bonus because of Citibank 's error?

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

CITIBANK, N.A.

SC

29414

Consent provided

Web

2018-11-01

Closed with explanation

Yes

2022-04-15

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2022, I discovered that Equifax had an incorrect birth date ( XXXX ) on my account instead of my actual birth date ( XXXX ). I informed Equifax of this error. To correct the problem, I was required to send Equifax copies of my birth certificate, driver 's license, social security card and U.S. passport. The Equifax online portal would not allow these documents to be uploaded - I had to mail these documents to Equifax in XXXX, GA. I mailed these documents as evidence of Equifax the following day, XX/XX/2022. Equifax closed the dispute on XX/XX/2022 without waiting for the documents and did not correct my birth date. Equifax continues to put incorrect information into consumers ' credit files without verifying this information with the consumer... but then expects the consumer to regularly check Equifax 's records and go through excessive steps to correct Equifax 's mistakes.

EQUIFAX, INC.

VA

24541

Consent provided

Web

2022-04-15

Closed with explanation

Yes

2023-05-10

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

The company has not credited the full chargeback amount of XXXX from XX/XX/XXXX paid to XXXX XXXX even though they have admitted that the company charged me the wrong amount and I have supplied them abundant evidence for chargeback reason code XXXX that the product or service was damaged.

AMERICAN EXPRESS COMPANY

CA

904XX

Consent provided

Web

2023-05-10

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 information incorrect

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX DOB XXXX SS XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting a 30 late payment after I requested assistances due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

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

Experian Information Solutions Inc.

OH

43068

Consent provided

Web

2021-03-30

Closed with explanation

Yes

2020-10-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/20 I submitted dispute to target & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the XXXX that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections target is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly

TD BANK US HOLDING COMPANY

NY

117XX

Consent provided

Web

2020-10-12

Closed with explanation

Yes

2022-04-24

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

Credit reporting

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

Their investigation did not fix an error on your report

I have been in dispute with Equifax for almost a year about these fraudulent disputes inquires. They have lied numerous times about receiving my documents when they have received them. The FTC reports are attached to this email. So it's no excuse that they can't remove these inquiries

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2022-04-24

Closed with explanation

Yes

2021-12-14

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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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

Experian Information Solutions Inc.

MI

48073

Consent provided

Web

2021-12-14

Closed with explanation

Yes

2019-12-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92405

Consent provided

Web

2019-12-12

Closed with explanation

Yes

2018-06-08

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

Suddenly on credit reports, no written information.

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

I.C. System, Inc.

FL

34608

Consent provided

Web

2018-06-12

Closed with explanation

Yes

2019-07-11

Vehicle loan or lease

Lease

Incorrect information on your report

Account status incorrect

In XXXX, my husband & I received a notice ( from XXXX credit monitoring ) that our car payment with Infiniti reported as a 30 day late on our credit report for XXXX. My husband spoke with an infiniti representative who informed him to pay on the XXXX and his payment wouldnt be considered late nor would it report to the credit bureaus. In reality that was far from the truth. INFINITI reported the payment as a 30 day late payment for XXXX. We disputed it with Infiniti and the credit bureaus and the 30 day late was updated for XXXX. We contacted INFINITI once again on XX/XX/19, Infiniti informed us that the payment should not even report for XXXX instead it should be reporting for XXXX. Now this information have to be updated/corrected to XXXX. We received miss information from an Infiniti Representative therefore, the payment should not be considered a 30 day late payment. We are currently in the process of closing on our first home XX/XX/XXXX and this issue has inadvertently affected us. We have less than 30 days to have this issue rectified.

NISSAN MOTOR ACCEPTANCE COMPANY LLC

FL

32771

Consent provided

Web

2019-07-11

Closed with explanation

Yes

2017-08-10

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

I made an agreement with XXXX XXXX XXXX on XX/XX/XXXX to pay a settlement of {$800.00} dollars on a debt of {$1900.00} to XXXX XXXX XXXX. After I make this payment the account would be settled in full. XXXX XXXX XXXX made a payment to XXXX XXXX XXXX , XXXX on XX/XX/XXXX. I received a letter dated XX/XX/XXXX from XXXX XXXX XXXX stating my settlement obligation had been fulfilled - XXXX reference # : XXXX. They told me through account executive XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX : that they were not reporting it to the credit bureaus. It is still being reported to EQUIFAX as an open account. It is lowering my credit score with them because of it still being on their report. I would like this entry promptly removed from Equifax credit report and any other credit reporting companies. Thank you - XXXX XXXX

EQUIFAX, INC.

NY

12550

Consent provided

Web

2017-08-10

Closed with non-monetary relief

Yes

2018-03-22

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

This account is closed and I called Equifax to get it removed since it's closed and horribly effecting my credit. When asked to remove, they refused, so I asked for them to send me my documents for that account, and they wouldn't respond.

EQUIFAX, INC.

TN

38127

Consent provided

Web

2018-03-22

Closed with explanation

Yes

2023-08-31

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

79912

Consent provided

Web

2023-08-31

Closed with non-monetary relief

Yes

2021-10-07

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

These debt obligations are and were the responsibility of another entity.

Union Credit Corporation

GA

31707

Consent provided

Web

2021-10-07

Closed with explanation

Yes

2022-07-17

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

EQUIFAX, INC.

GA

30339

Consent provided

Web

2022-07-17

Closed with explanation

Yes

2023-02-22

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

Credit reporting

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

Their investigation did not fix an error on your report

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

LEXISNEXIS

LA

71112

Consent provided

Web

2023-02-22

Closed with non-monetary relief

Yes

2019-09-16

Credit card or prepaid card

General-purpose credit card or charge card

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

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

XX/XX/2019 To whom it may concern, I would like to file a complaint regarding Capital One. I called Capital One this XX/XX/2019 to have my ex-wife removed from an account she is a co-applicant. Back in XXXX I was exploring debt relief options and this was my reason for requesting her name be removed. Note she never used this account. I was told no problem by Capital One and they would remove her name. I also, asked my account be closed. Unfortunately, I failed to get documentation from Capital One she was removed from the account. Please NOTE I would never had closed this account without her name not being removed. I know enough that once an account is closed you definitely can not request a name to be removed. My ex-wife messaged me the week of XX/XX/XXXX that her credit report showed late payment from Capital One. I was totally surprised and caught off guard because I thought her name had been removed. I began process of filing for XXXX XXXX Bankruptcy in early XXXX. I called Capital One twice and explained the situation. I was told whoever I spoke with back in XXXX mis-spoke. Again my fault for not having requested this documentation. I explained to Capital One I could email our Consent Order from our divorce spelling out I was solely responsible for this account. I pointed out that her credit was being affected it should not be. This fell on deaf ears as Capital One did not even want to see this Consent Order. I had been a loyal paying customer for over 15 years to Capital One. I am certain they made plenty of money off interest charges. Its just upsetting I was led to believe the ex-wifes name was removed only to find out I was lied to. How I wish we could play back our conversation as I know they record every call. I am hopeful someone from Capital One has compassion and a kind heart to recognize our situation and to correct this situation. I dont agree with my ex-wife on just about everything however, her credit should not take a hit given I was told Capital One would remove her name off the account. Sincerely,

CAPITAL ONE FINANCIAL CORPORATION

MD

21122

Consent provided

Web

2019-09-16

Closed with explanation

Yes