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customers-complaints-test

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2021-07-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I've submitted all documentation to get these things blocked from my credit. all they do is keep sending me a letter saying they won't look into it. I will attach all my documents to the complaint.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

80521

Consent provided

Web

2021-07-18

Closed with explanation

Yes

2023-09-06

Credit card

General-purpose credit card or charge card

Fees or interest

Problem with fees

Chase charged me XXXX {$10.00} " transaction fees '' but didn't indicate what the fees were for.

JPMORGAN CHASE & CO.

CA

926XX

Servicemember

Consent provided

Web

2023-09-06

Closed with monetary relief

Yes

2023-01-25

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

Credit reporting

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

Investigation took more than 30 days

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible. XXXX. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXX. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. XXXX. XXXX XXXX XXXX XXXX XXXX. Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. XXXX. XXXX XXXX XXXX. Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. XXXX. The following personal information is incorrect Account XXXX : XXXX - This employer belongs to someone else. Delete it from my report immediately. XXXX. The following personal information is incorrect Account XXXX : NOT PROVIDED - This employer belongs to someone else. Delete it from my report immediately. XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. XXXX. XXXX XXXX XXXX XXXX. Account XXXX : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX

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

Experian Information Solutions Inc.

MI

483XX

Consent provided

Web

2023-01-25

Closed with explanation

Yes

2021-10-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.

DISCOVER BANK

NY

10460

Consent provided

Web

2021-10-07

Closed with non-monetary relief

Yes

2019-11-25

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as resolution

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

WELLS FARGO & COMPANY

CT

XXXXX

Consent provided

Web

2019-11-25

Closed with explanation

Yes

2020-09-15

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

I was cold called by XXXX XXXX XXXX and logistics when I had entered my name into a database of moving companies. Everything I was told on this call turned out to be a lie. Including " call me with any problems ''. I was NEVER allowed to even speak to first person " XXXX '' who took my credit card info. The company promised they would be at my house within 2 days to move me. They never came. I have basically given this company {$1200.00} for nothing but headaches and disturbances. Chase bank says I signed a contract and said that I " cancelled '' services so that this charge will stay and it doesn't matter that I never received services. Basically Chase bank tried to catch up their own customer in their fraud department with language. They asked me " did you cancel? '' I said " Of course I cancelled, I never got services ''. Then later when denying my dispute they said " sir you said you cancelled ''. This is beyond wrong.

JPMORGAN CHASE & CO.

CA

91356

Consent provided

Web

2020-09-15

Closed with explanation

Yes

2020-08-27

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 just check my credit inquiries on XXXX XXXX it is showing 5 hard pulls for XXXX cards. I did not do this I applied for this card over 2 years ago and only 1 hard inquiry should be reported. There are 5 of them which is affecting my credit score. I did not do the other 4

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

117XX

Consent provided

Web

2020-08-27

Closed with explanation

Yes

2018-11-26

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : WELLS FARGO BANK Account Number : XXXX Date : XX/XX/2013 Amount : {$720.00}

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

WELLS FARGO & COMPANY

TX

77407

Consent provided

Web

2018-12-04

Closed with non-monetary relief

Yes

2023-02-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.

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

CORELOGIC INC

KY

42104

Consent provided

Web

2023-02-10

Closed with explanation

Yes

2020-11-07

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. XXXX XXXX

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

Experian Information Solutions Inc.

NY

11691

Consent provided

Web

2020-11-07

Closed with explanation

Yes

2019-09-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I just graduated XXXX XXXXXXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security XXXX until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.

CAPITAL ONE FINANCIAL CORPORATION

IL

60626

Consent provided

Web

2019-09-29

Closed with non-monetary relief

Yes

2020-11-22

Debt collection

Auto debt

False statements or representation

Attempted to collect wrong amount

XXXX XXXX XXXX Act. # XXXX {$6700.00} There is also a collection agency by the name of " XXXX XXXX XXXX '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.

Exeter Finance Corp.

FL

33137

Consent provided

Web

2020-11-22

Closed with explanation

Yes

2020-07-23

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

On XX/XX/2020 I called the customer service line for Citi-Financial, my best buy credit card. I knew I had promotional balances expiring in XXXX of XXXX. It took me nearly an hour to find out how to make a directed payment to these particular balances, the web site is convoluted and difficult to navigate when one is trying to pay-off one of these balances -- the user is instead repeatedly sent back to making a general payment that does not apply directly to the balance you are trying to pay-off. So you search and search to end up calling the customer service line, the only way one can make this type of directed payment. I called the number, requested a pay-off quote for all balances expiring in XXXX. I received a quote from a customer service rep for {$350.00} and I paid this amount on the phone at that time. About a week later, I received a notification that I had a promotional balance about to expire in the amount of {$.00}. This particular purchase had been made in XXXX of XXXX and would have carried with it a penalty of a year 's worth of interest, surprisingly, the balances with lesser interest to be charged were paid in full as requested. I want to warn the American people of despicable practices such as this being perpetrated against the American people. This is a crime, it is fraud. It is fraud being perpetrated across state lines via the use of Federally regulated phones lines. It is the type of crime that people don't have the time or resources to fight back against. My name is XXXX XXXX. I can be contacted at this address or by phone XXXX XXXX XXXX XXXX at any time to provide any documentation you may need. XXXX XXXX

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

CITIBANK, N.A.

TX

79424

Servicemember

Consent provided

Web

2020-07-23

Closed with explanation

Yes

2021-11-03

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

BARCLAYS BANK DELAWARE Opened : XX/XX/2017 I am requesting a 1099C, financing statement, insurance information and take down letter within 15 days for this request. Thank you!

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

BARCLAYS BANK DELAWARE

NC

28208

Consent provided

Web

2021-11-03

Closed with explanation

Yes

2022-07-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : 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.

TN

37207

Consent provided

Web

2022-07-07

Closed with non-monetary relief

Yes

2019-05-21

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

XX/XX/2018 its saying I opened an account under I C System not even sure what that is, however. Its showing here on my credit report {$420.00} is pst due but I havent opened anything my identity was stolen. Ive contacted them and tried to tell them. They deleted it then added it back.

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

I.C. System, Inc.

KY

40422

Consent provided

Web

2019-05-21

Closed with explanation

Yes

2023-02-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Although I appreciate your efforts to update and correct some of the information on my credit report, there are still a few problems. The XXXX Credit Bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to confirm these items ( A ). I'm hopeful that these contentious issues will be resolved right away. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX A XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX MORTGAGE XXXX XX/XX/2022 XXXX MORTGAGE CREDIT XX/XX/2022

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

Experian Information Solutions Inc.

FL

34601

Consent provided

Web

2023-02-08

Closed with explanation

Yes

2016-08-08

Debt collection

Auto

Cont'd attempts collect debt not owed

Debt is not mine

In XXXX I leased a Chevrolet Cobalt with XXXX for the period of three years and paid for the vehicle upfront. Two years later, I joined the XXXX XXXX and had my father return the leased Cobalt at the appropriate time and place. My father did just that. Learning that the Cobalt was delivered on time is where the story ended for me. However, in XXXX, Synergetic Communications ( Syncom ) contacted me in a harassing manner demanding that I owed {$2300.00} for the Chevrolet Cobalt. There was no additional information provided, but I quickly forwarded the information on to my father regardless to see if he could shed some light on where this " debt '' may be derived from. My father reported back to me that he had spoken with Synergetic Communications, and that they told him that they would take care of the accounting error. This is where the story starts to effect me. XXXX XXXX, XXXX, I was contacted by Synergetic Communications again in regards to this debt of which there is no explanation. Additionally, this is eight years after the vehicle was returned and XXXX has since gone out of business. XXXX has merged with XXXX XXXX, but XXXX XXXX refuses to assist me with this issue. They have told me that " our ( XXXX XXXX ) third party collection agency ( Synergetic Communications ) is handling this account, and there is nothing they can do to help me delete this debt from my record. '' After repeatedly trying to work this misunderstanding out with Synergetic Communications, I was told by the collections agency that " there is nothing we ( Synergetic Communications ) can do because we report directly to Ally Financial. We do not even have the authority to report to the credit bureaus. We report directly to XXXX XXXX. '' I have recently looked into my credit report, and I was shocked to see that there is a Charge Off from XXXX of {$2300.00}. This account was taken care of many years ago. Furthermore, XXXX XXXX has no information for me in their system. The only information XXXX XXXX has at this point on my supposed account is what I had personally given them when I opened a complaint regarding this debt. Bottom line : Before filing this complaint with CFPB, I have attempted to have this debt expunged from my record by explaining to both Syncom and XXXX XXXX that this is debt is the result of an accounting error made eight years after the vehicle was leased ( paid in full ). Both parties refuse to help me, they both continue to advise me that I must speak to the other to get this resolved, and neither of their management representatives has offered any clarity on this matter. I have read other consumer complaints regarding XXXX XXXX and Synergetic Communications. It seems as though I am not alone in my experience of the unethical business practices these XXXX companies engage in to make a buck. My credit worthiness has suffered tremendously as a result of this Charge Off that was reported to the credit bureaus. I did not accrue this debt. If I am unable to resolve this issue with the help of the Consumer Financial Protection Bureau, I am prepared to pursue this matter with an attorney because of personal integrity as well as holding these XXXX companies to decent ethical standards. Note : As I mentioned, I gave XXXX quite a bit of information when I opened a complaint with them regarding this account. I suspect they will try to pawn this issue off to Synergetic Communications, but prior to opening the complaint, Ally Financial had no information regarding the debt when I gave them my Social Security Number and full name.

Company believes it acted appropriately as authorized by contract or law

Synergetic Communication Inc

VA

22201

Servicemember

Consent provided

Web

2016-08-08

Closed with explanation

Yes

No

2020-09-01

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

Paid Accounts are still appearing on the Credit Reports which should be removed or deleted. By showing on the Credit Reports it is reducing my credit score. XXXX XXXX XXXX - Open XX/XX/XXXX for {$200.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$170.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$95.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX

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

Medical Data Systems, Inc.

GA

30127

Consent provided

Web

2020-09-01

Closed with explanation

Yes

2022-05-06

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

Credit reporting

Incorrect information on your report

Personal information incorrect

On XX/XX/2022 I sent Certified Mail to all 3 credit bureaus ( Equifax, XXXX and XXXX ) notifying them that the personal information listed on my report is inaccurate. Credit bureaus are legally required to report accurate and up to date information. On all 3 reports addresses, phone numbers and alias names were linked to myself. This may possibly be from identity fraud or negligence on the part of these credit agencies.

EQUIFAX, INC.

OH

43206

Consent provided

Web

2022-05-06

Closed with explanation

Yes

2023-02-19

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

Its about a medical bill that was already paid by my health insurance company. I sent complete details about this debt issue too the insurance company. I have been calling since this issue of a bill started. I have XXXX and XXXX and this bill was covered. I keep getting the runaround from the hospital itself stating that it was paid. I have been trying too get this bill fixed and it is frustrating. I keep getting the bill and now its in my credit report. I dont know what else to do in this situation.

W&A Intermediate Co., LLC

SC

29418

Consent provided

Web

2023-03-20

Closed with explanation

Yes

2020-06-22

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

As of the date of this letter you XXXX XXXX /Target XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b )

TD BANK US HOLDING COMPANY

CA

90303

Consent provided

Web

2020-06-22

Closed with explanation

Yes

2022-08-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX ( XXXX credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to XXXX XXXX which means it is now income earned for the company. I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report. Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77063

Consent provided

Web

2022-08-09

Closed with non-monetary relief

Yes

2021-02-12

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

Credit reporting

Incorrect information on your report

Account status incorrect

Back in late XXXX of XXXX we entered the forbearance program which allowed us to put our mortgage payments on hold for 6 months during the pandemic. XXXX of XXXX was our last month of forbearance so we called US Bank to figure out the best way to move forward. It was at that time they offered for us to put all 6 months of missed payments in a separate, interest free loan on the back end of the mortgage. We agreed and were told that they would be sending out documents that we were to fill out and return. We were also told to resume our monthly payments the following month, which was XX/XX/XXXX. When I called in XXXX to make my mortgage payment, I asked about the documents we were supposed to have received. I was told that they were extremely backed up with thousands of cases just like ours and to be patient. I was assured that the documents would arrive as soon as possible. When I called to make my payment the following month, XX/XX/XXXX, I was told the same thing. And once again in XXXX of XXXX. My husband and I were getting worried because we wanted to hurry up and get everything signed and delivered as quickly as possible and it had already been 3 months. On XX/XX/XXXX, I noticed a voicemail from XX/XX/XXXX that I hadnt previously seen. It was a lady from US Bank asking me to return her call. No other information, other than a phone number, was left in the voicemail. I quickly called the number back ( this was not the usual number XXXX called while making my monthly payments ) once I was connected with someone I asked about the paperwork for the loan for the missed payments. It was at that time I was told the loan had been denied due to the documents never being signed and returned. I explained to her that we never received the paperwork and had been asking about it for months. She put me on hold for a bit and when she came back she assured me everything would be fine and was able to do a different loan modification for us. At that point everything seemed like it was handled and we would be able to move forward. A few days later my husband and I both received notifications from XXXX XXXX that our scores had been lowered drastically. This was XX/XX/XXXX. The next day I started calling US Bank trying to get a credit correction done. Everyone I spoke with had something different to say. I spent over XXXX XXXXours on the phone with US Bank between XX/XX/XXXX and XX/XX/XXXX of XXXX trying to get this critical error on their part corrected. Finally on XX/XX/XXXX I was put through to a lady named XXXX XXXX in the Loss Mitigation department. She was the first person who actually tried to help me. Apparently up until that point nothing had even been done to start an investigation for us. She called me back the next morning to assure me that they were working on figuring this whole mess out and suggested I call back in a couple days to check for updates. I continued calling every couple days to check for any progress and kept getting the runaround. Once I was told that the credit correction was in fact going to be done but it just takes time and they were not able to provide me with any kind of timeline. Once again I was told to be patient and wait. On Saturday, XX/XX/XXXX, we received a letter from US Bank stating that they would not be doing a credit correction and that they had found that their credit reporting had been accurate. The letter was dated XX/XX/XXXX, the same day XXXX XXXX had called me to assure me an investigation had been opened on our behalf. I immediately called US Bank to find out what was going on and was told the letter may have been sent in error and she didnt see any updates in our file. I called back the following XXXX which was XXXX XXXX and it is at that point I was informed that the letter was not sent in error and that was their conclusion. In addition to me asking about the paperwork every month while paying my mortgage on the phone with a US Bank representative, my husband also called a few times asking about it. Thank you so much for helping me. I hope we can get something done about this. It is really having a negative impact on our lives. With our credit scores as low as they are now, not only will we not be able to buy the house we are already in contract with, its going to be hard to even get into a decent rental until our credit is restored. My husband has actually had one of his credit cards cancelled because of this. According to US Bank, they sent the documents out XX/XX/XXXX. Im not sure how or why the different departments werent able to share information and let us know what was going on when we were continuously asking about something so important. It wasnt until it was too late that we were informed. I was told that the documents were due back XX/XX/XXXX. I was also told that it was officially denied and closed XX/XX/XXXX. I feel like there would be a signature requirement for such important refinance documents. There should be some way of tracking the documents that we never received. I am attaching screenshots from my XXXX XXXX account showing the damage their incorrect reporting caused and screenshots of phone calls made to US Bank from both mine and my husband 's phone.

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

U.S. BANCORP

FL

33903

Consent provided

Web

2021-02-12

Closed with non-monetary relief

Yes

2020-02-18

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have sent a letter to XXXX XXXX XXXX on XX/XX/2020 it was received by them via USPS on XX/XX/2020. No response was received. It has been longer than 30 days to validate this debt. No attempt was made to verify the debt and no collection details were given.

EQUIFAX, INC.

GA

31313

Consent provided

Web

2020-02-18

Closed with explanation

Yes

2019-01-15

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

Equifax is reporting an item from XXXX XXXX with a close date of XX/XX/1995. This is more than 7 years ago and needs to be removed.

EQUIFAX, INC.

TX

76116

Servicemember

Consent provided

Web

2019-01-15

Closed with non-monetary relief

Yes

2021-02-02

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2020, I sent the attached letters to TransUnion, XXXX, and XXXX requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : TransUnion - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77033

Consent provided

Web

2021-02-02

Closed with explanation

Yes

2018-04-25

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

This is regarding XXXX XXXX who I have mortgage with since XX/XX/XXXX, and I have made all the payments on time since XX/XX/XXXX and not even a single payment was missing or delayed. I filed bankruptcy in XX/XX/XXXX for misc credit cards which was discharged and my mortgage account was not part of my bankruptcy. But as I checked my credit reports from all three credit reporting agencies they are showing my mortgage account was also included in bankruptcy. Which is completely false and erroneous information and my mortgage payments are not reported at all which is being made on time for past 13 years. I called them numerous times and they are not properly handling my case and giving me run around. I am completely exhausted at this point and seeking your help.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

12020

Older American

Consent provided

Web

2018-04-25

Closed with explanation

Yes

2022-05-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

27529

Servicemember

Consent provided

Web

2022-05-01

Closed with explanation

Yes

2023-07-08

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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.

EQUIFAX, INC.

TX

77578

Consent provided

Web

2023-07-08

Closed with non-monetary relief

Yes

2017-05-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XXXX XXXX XXXX I went to XXXX XXXX XXXX in XXXX , LA seeking to purchase a vehicle. I asked the sales rep to identify the lenders they use. He stated XXXX XXXX and XXXX . I explained to him that I am working on improving my credit score and I have accounts with XXXX XXXX and I only want him to try to get financed through XXXX XXXX or XXXX and if those two companies did n't approve the loan to not run my credit again. I repeated this several times before he went to the finance manager. I w as told they could not get in touch with XXXX XXXX and they would let me know once they received any information. The next day I received 7 a lerts for credit inquiries. I called Equifax to dispute this to no avail. I immediately called the sales rep and the finance manager because I specifically told the sales rep to only submit my report twice. The sales manager stated by law he was required to run my report as many times he needed in order to get approval. I told him he had no right to do so and I felt violated. Needless to say my credit score dropped tremendously.

EQUIFAX, INC.

LA

70360

Consent provided

Web

2017-05-10

Closed with explanation

Yes

2022-07-08

Credit card or prepaid card

Store credit card

Incorrect information on your report

Account information incorrect

they are reporting late payment to account for no reason.they did not sent bill to my address

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

CITIBANK, N.A.

NY

127XX

Older American

Consent provided

Web

2022-07-08

Closed with non-monetary relief

Yes

2021-12-13

Debt collection

Auto debt

Communication tactics

Frequent or repeated calls

COLLECTION COMPANY HAS VIOLATED AND BREACHED MY CONSUMER RIGHTS UNDER TCPA VIII. AND FDCPA 15 USC 1692d 806 ( HARRASSMENT OR ABUSE ) ( 2 ) THE USE OF OBSCENE OR PROFANE LANGUAGE OR LANGUAGE THE NATURAL CONCESQUENCE OF WHICH IS TO ABUSETHE HEARER OR READER. ( 5 ) CAUSING A TELEPHONE TO RING OR ENGAGING ANY PERSON IN TELEPHONE CONVERSATION REPEATEDLY OR CONTINUOUSLY WITH THE INTENT TO ANNOY, ABUSE, OR HARASSANY PERSON AT THE CALLED NUMBER.

Seattle Service Bureau, Inc

CA

XXXXX

Consent provided

Web

2021-12-13

Closed with explanation

Yes

2023-02-16

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

MIDLAND MANAGEMENT has failed to respond to my letters..I have requested verification of this account such as contract, payment history, etc it's my belief that this account was paid off prior to collections ... .. if this is in fact my account... XXXX I was diagnosed with stage XXXX XXXX, recurrence in XXXX now stage XXXX moved to XXXX if my recollection serves me correctly this account would've been paid off due to the uncertainty of things and me not wanting to leave any unpaid debt for my daughters... this collection has caused me so much anxiety, grief, time and embarrassment

ENCORE CAPITAL GROUP INC.

VA

23666

Consent provided

Web

2023-02-16

Closed with explanation

Yes

2023-03-20

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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated or removed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

FL

33319

Consent provided

Web

2023-03-20

Closed with explanation

Yes

2023-03-12

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 and XXXX Account # : XXXX, XXXX # : XXXX, XXXX XXXX XXXX # : XXXX XXXX XXXX # XXXX and 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 an account without my written instructions

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

Experian Information Solutions Inc.

GA

30310

Consent provided

Web

2023-03-12

Closed with explanation

Yes

2021-06-17

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

I have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.

EQUIFAX, INC.

MO

63136

Consent provided

Web

2021-06-17

Closed with explanation

Yes

2023-05-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Capital One Credit Card Open date XX/XX/2021 Account number XXXX Amount {$1000.00} high balance of {$1200.00} Contacted Capital One in regards to this account that is reported in my XXXX XXXX and was inform that the account in question was not mine. However, they did nothing to try to assist me in removing it out my credit. I can not apply for a mortgage loan due to their negligence of reporting inaccurate information in my credit which cause my credit drop significantly. This home will not stay in the market for long. XXXX accepted information from companies without asking the companies to confirm the validity of the debt to the consumer. Neither the accounts, addresses, inquiries that were placed in my credit was actually mine. For they negligence my credit has suffered significantly. Their negligence has caused me not to be able to meet the credit criteria/standard for a mortgage loan that I was negotiating the price of a home.

CAPITAL ONE FINANCIAL CORPORATION

FL

33313

Consent provided

Web

2023-05-05

Closed with non-monetary relief

Yes

2021-03-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are 5 accounts that are appearing on my credit report that are not mine I have been mailing disputes to the bureaus and the furnishers saying these are not mine because I have not signed or used or accepted any of these charges or cards. The accounts are : XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$3700.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$11000.00} XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$7300.00} XXXX XXXX- Acct # XXXX Amt {$6600.00} XXXX XXXX- Acct # XXXXAmt {$9.00}

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

Experian Information Solutions Inc.

CA

916XX

Consent provided

Web

2021-03-30

Closed with explanation

Yes

2020-10-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account. 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90020

Consent provided

Web

2020-10-11

Closed with explanation

Yes

2021-12-23

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Phoenix Financial Services is reporting a debt not owed by me for medical debt. I havent been to, seen, or been associated with any kind of medical location ( hospital, clinic, etc ) in the time frame being reported. Originally reported XX/XX/2021, disputed twice through credit bureaus, since company is unable to provide any information related to the original merchant ( account number, name of vendor, date of visit, etc ) was removed but Phoenix placed back on file XX/XX/2021. Since the company has been unable to provide any details about the supposed debt owed and continues to put debt on credit file, filing complaint to have government agency review collection agency and its malicious tactics of trying to collect fraudulent debt.

Phoenix Financial Services LLC

TX

78704

Consent provided

Web

2021-12-23

Closed with explanation

Yes

2021-05-25

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

Credit reporting

Incorrect information on your report

Account information incorrect

My mortgage account with United Wholesale Mortgage was paid in full on XX/XX/2020. It is now the middle of XXXX and the account shows that we still have an outstanding balance. I started calling United Wholesale Mortgage at the beginning of XXXX along with filing credit disputes with the 3 Major Credit Bureaus. United Wholesale Mortgage will not answer any of the Credit Bureaus and they keep telling me they " are looking into my case ''. They acknowledge the error but have yet to report the balance paid in full. I have called every day since XX/XX/XXXX and keep being told It will be solved in the next couple of business days. Yet here I am again 2 weeks later and it is still not resolved.

United Shore Financial Services, LLC

ID

836XX

Consent provided

Web

2021-06-03

Closed with explanation

Yes

2023-03-09

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

Credit reporting

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

Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$1900.00}

EQUIFAX, INC.

CA

933XX

Consent provided

Web

2023-03-09

Closed with explanation

Yes

2017-02-03

Student loan

Non-federal student loan

Can't repay my loan

Can't get flexible payment options

I was experiencing financial hardship two years ago, due to being unable to secure employment, when I tried explaining this over the phone several times to the Agency ( PEAKS ), they kept threatening my credit and telling me I had to pay it in full, or they would send it to collections. Since I was n't employed at the time ( with no Government assistance, Unemployment, or assistance from family ), I could n't make the payments, and they sent my debt to collections. To this day, I 've been trying to work with them, but every time we set something up, they destroy my credit as if I have n't made any payments at all. On top of this, every time I have called, they keep requesting I pay it in full which is impossible, due to my current situation. I 've requested the recordings of the calls a few years ago, but they will not assist me any further aside from destroying my credit. Now I 'm currently unable to secure any sort of funding for anything. ( car, house, etc ) but yet have to pay {$14000.00}. I was unable to repay my loan, decrease my monthly payments at the time, or any sort of assistance from them.

First Associates Loan Servicing LLC

IN

46825

Consent provided

Web

2017-02-03

Closed with explanation

Yes

No

2023-03-07

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I am submitting this complaint because of a Hard Inquiry on my Credit Report by Comenity Bank for a XXXX credit card on XX/XX/2022. ( Appears as COMENITYCAPITAL/XXXX ) XXXX I have NEVER applied for a XXXX credit card, therefore, the hard inquiry by Comenity Bank is totally unauthorized. I reached out to Comenity Bank and they denied the inquiry stating, " they are unable to explain my credit report ''. They advised me to contact XXXX directly. XXXX confirmed the inquiry and advised me to file a complaint and send copies of the complaint to them to have the hard inquiry removed from my credit report.

Bread Financial Holdings, Inc.

FL

337XX

Consent provided

Web

2023-03-07

Closed with non-monetary relief

Yes

2023-05-11

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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70364

Consent provided

Web

2023-05-11

Closed with non-monetary relief

Yes

2023-05-15

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX / XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX /XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX have 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

EQUIFAX, INC.

TX

75228

Servicemember

Consent provided

Web

2023-05-15

Closed with explanation

Yes

2023-02-12

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 federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15U.S.C 1681 section 602A states I have the right to privacy 15U.S.C 1681 section 602A section 2 : it also s a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681 ( a ) 5 section states : no consumer reporting agency may make any consumer report containing any of the following items of information any and other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 16812 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason 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

Experian Information Solutions Inc.

TX

77373

Consent provided

Web

2023-02-12

Closed with explanation

Yes

2023-03-24

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

TX

77049

Consent provided

Web

2023-03-24

Closed with explanation

Yes

2022-09-04

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

Credit reporting

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

Their investigation did not fix an error on your report

Yes I have reached out to Indentity theft. gov here is my confirmation number for the two portfolio accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.

PORTFOLIO RECOVERY ASSOCIATES INC

TN

38116

Consent provided

Web

2022-09-04

Closed with explanation

Yes

2017-07-21

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

There is a collector by the name of M. Leonard & Associates reporting a closed account on my credit report that is not mine..I have repeatedly disputed this account to no avail.

Company disputes the facts presented in the complaint

Diversified Acceptance Corporation

FL

337XX

Consent provided

Web

2017-07-21

Closed with explanation

Yes

2021-10-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32244

Consent provided

Web

2021-10-20

Closed with explanation

Yes

2021-10-21

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Monterey Collection Services is saying I owe them {$420.00} on one credit bureau and on the other credit bureau {$370.00} for the same collection which is a red flag and error.I have never done business with them I have no contract with them or obligation. At the same time theyre violating HIPPAA . Again I have no contract with Monterey Collection Services and they have no validation of me doing business with Monterey Collection Services company.

Company believes it acted appropriately as authorized by contract or law

Monterey Financial Services LLC

IL

60901

Consent provided

Web

2021-10-21

Closed with non-monetary relief

Yes

2023-05-17

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On Monday XX/XX/2023 at approximately XXXX I attempted to deposit my check in the atm at my local Wells Fargo XXXX The machine malfunctioned, cut off, and rebooted and took my check giving me a receipt saying it was accepted but upon looking in my account the deposit was nowhere to be found. I then went inside the branch and was told to call the number on the back of my card or wait and have a banker help me. I waited and this banker filed a claim for the missing deposit. I got an email an hour later saying my accounts is now frozen and will be closed XX/XX/XXXX due to a fraudulent check. An hour later I received a new email saying my account is being closed because of an atm deposit not matching the amount of a check. Neither of those reasons are factual nor true because the check was not even processed nor deposited. I have been sent back and forth between being told to speak to the claims department and fraud department to have the hold taken off my account because I have bills that are due and piling up, I have no access to my account nor my check and am consistently told I can do nothing and have no access to my money until XX/XX/XXXX, nearly two weeks with no access to my funds. My account was not only wrongfully frozen but is being wrongfully closed. I have no access to anything. No one is helping me. All because the atm malfunctioned I am now dealing with extreme consequences and Wells Fargo refuses to offer assistance or help me in any way.

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

WELLS FARGO & COMPANY

GA

30134

Consent provided

Web

2023-05-17

Closed with explanation

Yes

2017-09-08

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

EQUIFAX, INC.

MA

02474

Consent provided

Web

2017-09-08

Closed with explanation

Yes

2021-11-09

Checking or savings account

Checking account

Problem with a lender or other company charging your account

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

Ive had around XXXX dollars withdrawn from my BofA account. I was told that I had until Wednesday XX/XX/XXXX to pay the money. As the charges havent been reversed I can no longer pay the amount and am out of a job. There has been recurring charges every single day since the XXXX amounting to the XXXX dollars Im renting to drive and have no idea how to manage this as BofA already cleared my account as of XX/XX/XXXX and now XXXX is charging with amounts not agreed to in the contract Even if I had warranted a XXXX dollar a day charge that would be a quarter of the amount take BofA XXXX XXXX are leading people to lose money and this is a key example I do believe there is fraudulent activity involved Both the XXXX employee and investigator have said Im not in repossession

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

90813

Consent provided

Web

2021-11-09

Closed with explanation

Yes

2019-10-14

Debt collection

Medical debt

Communication tactics

Used obscene, profane, or other abusive language

I previously set up a payment arrangement with ARCI in order to address the bill that has been in collection with them since 2016. In 2016, I underwent XXXX to remove XXXX from my XXXX and had to pay my portion of the XXXX in order to schedule the XXXX. I have not been able to recover financially from that procedure. I am currently on XXXX and have been unable to work and receive a sustainable income. I called ARCI in hopes to push back my payment arrangement since I have a new procedure that I have to pay for. XXXX XXXX immediately got rude with me and refused to negotiate a new arrangement with me. She told me to wait to get the procedure and pay ARCI instead. I told her the procedure can not wait and if I wait, I could be dead and then they'll never get their money. I told her that I have every intention on paying them back, I just need to postpone the payment. She hung up on me before I could express to her that I'd have it paid by XXXX. When I called back to speak to a supervisor, I was told by the receptionist that XXXX XXXX IS the supervisor. XXXX XXXX was very unprofessional in her approach with me. I am not sure how anybody will pay someone who insults them and advises them to postpone a potentially life saving procedure just so ARCI can get their money.

Accounts Receivable Consultants Inc.

TX

77429

Consent provided

Web

2019-10-14

Closed with explanation

Yes

2023-04-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX Dept Of EdXXXX XXXX XXXX {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XXXX XXXX XX/XX/2022 ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of Ed/Nelnet XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance {$480.00} XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AR

XXXXX

Consent provided

Web

2023-04-03

Closed with non-monetary relief

Yes

2022-10-11

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

On XX/XX/XXXX, I was charged an annual fee of {$85.00} by Comenity Bank for a BJs club membership on my BJs club credit card. I had previously requested to cancel my BJs club membership as I had moved to a location where there was no store within driving distance. I received my statement in the mail and immediately called to question it. I was told it would be taken care of before the {$85.00} payment was due in early XXXX. It was not resolved by the day before the payment was due, so I paid the fee, not wanting a negative score on my credit report. I called Comenity multiple times to get this matter resolved. They finally issued me a credit, but only for {$55.00}. I asked why it was a partial refund, and no one could give me an answer. I attempted to dispute thru Mastercard, but they could not help as it was a buying club membership fee. I called Comenity again, and spoke with a supervisor who assured me the matter would be taken care of. This was in XXXX. A credit balance was placed on my account on XX/XX/XXXX, but was told the only way it could be released was if I cashed the {$55.00} check they previously sent. I cashed the check, and a week later, received notification that the credit that had been showing on my account was being deleted. I have been trying to deal with Comenity since XXXX. It is now XXXX. Please help me in recovering the additional money ( {$30.00} ) owed to me.

Bread Financial Holdings, Inc.

WV

255XX

Consent provided

Web

2022-10-11

Closed with monetary relief

Yes

2017-04-27

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

On e XX/XX/XXXX my wife and I received an email notice about a payment due on a Capital One account. The email was sent to my wife 's email address from XXXX XXXX XXXX , but my wife does not have a Capital One cr edit card. The email body indicated that it should have gone to another person with the same first name, but different last name as my wife. On XX/XX/XXXX we called the support phone number for Capital One t o be sure there was no fraud involved and the customer service rep told us that there was not and that it was most likely just a wrong email address or that the actual customer had potentially entered the wrong email address. We asked that her email address be taken off of their records so that we would not receive any further communications from Captial One abou t payments being due. Since then, we have received no less than 15 ema ils with varying degrees of urgency, personal information and balance information about the other person 's account and threats that they would seek legal action if the balance was not paid. We called back to customer service o n 3 sep arate occasions over the course of the next several months in XXXX , XXXX and XXXX and each time, the customer service representative informed us that they would resolve the issue and that we would no longer receive communications. The last call we made was the week of XX/XX/XXXX and at that time, we informed the customer service rep that we would file a complaint with the CFPB if we received another email after 10 days of that call. Since then, we have receive d 2 more emails, the most recent being sent today, XX/XX/XXXX . I am happy to block the sender and report the emails as spam, but I am also concerned as I want to be sure there is no fraudulent activity happening here. I have checked my wife 's credit report recently and there is no indication of any problems or accounts being opened that we are not aware of, but I think that it is irresponsible of Capital One to not resolve this sooner after we have given them months in which to fix the issue, and having been told several times that they would ensure we were no longer emailed. Thank you for your help.

CAPITAL ONE FINANCIAL CORPORATION

CA

91504

Consent provided

Web

2017-04-27

Closed with explanation

Yes

2020-05-21

Debt collection

I do not know

False statements or representation

Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

PORTFOLIO RECOVERY ASSOCIATES INC

MO

630XX

Consent provided

Web

2020-05-21

Closed with explanation

Yes

2020-06-30

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

Credit reporting

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

Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, Company Inquiries : 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.

MD

210XX

Consent provided

Web

2020-06-30

Closed with explanation

Yes

2022-11-11

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Unable to receive car title or other problem after the loan is paid off

On XX/XX/2022, my final payment to Bridgecrest cleared my bank. I was immediately shut out of their online portal, so I can no longer see the status of my loan. Their customer service says it will be XXXX business days from the XXXX before they can verify that the payment was good and that nothing further is owed to either party. After that, they will issue a letter releasing their interest in the vehicle. In this day of instant electronic payments, how is this justifiable? I need to sell this vehicle soon, but cant even show prospective buyers that the vehicle is paid off via the website.

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

Bridgecrest Acceptance Corporation

CA

95382

Consent provided

Web

2022-11-11

Closed with explanation

Yes

2017-11-05

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.

HYUNDAI CAPITAL AMERICA

NJ

074XX

Consent provided

Web

2017-11-05

Closed with explanation

Yes

2022-02-15

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

A notice was sent several times to XXXX, Experian, XXXX. I humbly requested XXXX, Experian, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, Experian, XXXX to act as an agent and correct misleading information. This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. I understand XXXX, Experian, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, Experian, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, Experian, XXXX must comply with my written instructions. I have given XXXX, Experian, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. XXXX, Experian, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! - XXXX XXXX / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX

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

Experian Information Solutions Inc.

GA

30228

Servicemember

Consent provided

Web

2022-02-15

Closed with non-monetary relief

Yes

2020-02-03

Checking or savings account

Other banking product or service

Managing an account

Cashing a check

Today XX/XX/2020 I deposited a two party check with my name and XXXX XXXX XXXX and Wells Fargo NA from XXXX XXXX XXXX for an insurance claim settlement. The check was for {$3700.00}. I was told by XXXX XXXX NMLSR ID : XXXX who is the branch Manager that I would have to wait until tomorrow XX/XX/XXXX to be able access the remainder of the funds. She did not know why and had to contact someone outside of the branch to inquire what the rule or law was. She did not know what the Wells Fargo policy was and why {$3300.00} was being withheld. I believe this to be in violation of Regulation CC ( 12 CFR part 229 ) implements the EFA Act and the Check Clearing for the 21st Century Act ( Check 21 Act ). [ 1 ] Subpart B of Regulation CC implements the requirements set forth in the EFA Act regarding the availability schedules within which banks [ 2 ] must make funds available for withdrawal, exceptions to those schedules, disclosure of funds availability policies, and payment of interest. The EFA Act and subpart B of Regulation CC contain specified dollar amounts, including : ( 1 ) The minimum amount of deposited funds that banks must make available for withdrawal by opening of business on the next day for certain check deposits ( minimum amount ) ; [ 3 ] ( 2 ) the amount a bank must make available when using the EFA Act 's permissive adjustment to the funds-availability rules for withdrawals by cash or other means ( cash withdrawal amount ) ;

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

WELLS FARGO & COMPANY

NC

28025

Consent provided

Web

2020-02-03

Closed with explanation

Yes

2022-08-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

A multitude of " Inquiries '' are listed on my consumer report that are allegedly the results of consumer credit transactions. I did not consent, authorize, and/ or grant permission to XXXX XXXX TRANSUNION XXXX XXXX XXXX or any other Credit Reporting Agency to furnish these inquiries on my consumer report, which constitutes Identity Theft. In additoin : Pursuant to 15 USC 1681a ( e ) A consumer report, or portion thereof shall not include specific factual information obtained directly from a 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.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19124

Consent provided

Web

2022-08-09

Closed with non-monetary relief

Yes

2022-05-18

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I am unable to login to my Synchrony XXXX XXXX account and NO ONE has been able to help me. When I go to login on the website, I am prompted to choose a phone number to be sent a one-time code. For many months now, I was given the option of choosing my current phone number ( ending XXXX ) and a phone number I haven't had for 15 years ( ending XXXX ). Now, I am only given the option to choose the old number ( XXXX ). I have called multiple times and no one has helped me. I have gone through a process of clicking a link I was texted, taking a picture of myself, taking a picture of my ID, and receiving a code I gave the customer service rep. Didn't work. I have since been told by account specialists that it has to do with my credit report showing an old phone number ( if this is so, why was I given my current phone number as an option until now? ). I have contacted all three credit bureaus and one ( XXXX ) had my old phone number. It has been removed. I still can not login. When I call the number on the back of the card, I am transferred around to people who do not know why this is happening, can not help me. As a result of all of this, I continue to be denied the ability to login to my account, view my purchase history and account history, make payments and more. It is not legal to deny someone the ability to see their charges and yet still demand payment. This is absolutely ridiculous.

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

SYNCHRONY FINANCIAL

CA

XXXXX

Consent provided

Web

2022-05-18

Closed with explanation

Yes

2022-02-17

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

Credit reporting

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

Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28262

Consent provided

Web

2022-02-17

Closed with non-monetary relief

Yes

2022-08-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11355

Consent provided

Web

2022-08-29

Closed with non-monetary relief

Yes

2022-04-01

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

Violated 15 U.S. Code 1681

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60409

Consent provided

Web

2022-04-01

Closed with non-monetary relief

Yes

2022-01-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I acquired a copy of my credit report and discovered the following item ( s ) to be incorrect ; also, the following are in violation of the Fair Credit Reporting Act ( FCRA ).

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

Experian Information Solutions Inc.

TX

77016

Consent provided

Web

2022-01-28

Closed with non-monetary relief

Yes

2023-05-30

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX XXXX has failed to respond to my notice regarding this issue, sent via certified mail and return receipt. I have a signature of proof of delivery : XXXX XXXX XXXX is still reporting incorrect information to XXXX, XXXX, and TransUnion on my credit report. The incorrect information is a 30-day late payment, still showing in XXXX of XXXX. This incorrect information must be DELETED immediately. To provide further context as to the extent of XXXX XXXX XXXX negatively affecting other consumers, the XXXX states the following about XXXX XXXX XXXX front and center on their XXXX XXXX XXXX profile page XXXX files indicate that this business has a pattern of complaints concerning billing/collection issues. Complainants allege that XXXX XXXX XXXX charges consumers, sometimes repeatedly, without authorization, which may include late or unexplained fees. Complainants also allege that XXXX XXXX XXXX forwards incorrect information to credit reporting agencies such as XXXX, XXXX, and TransUnion. Source : XXXX XXXX XXXXXXXX Furthermore, XXXX XXXX XXXX XXXX XXXX If your payment is 30 or more days late, the credit card company will typically report it to the three major credit bureaus If youre able to bring your account current before it is 30 days past due, your credit shouldnt take a hit. Source XXXX XXXX XXXX XXXX Keeping the above in mind, I have received multiple verbal confirmations from multiple XXXX XXXXXXXX XXXX XXXX XXXX, over recorded phone calls, that the incorrect 30-day late payment showing on XX/XX/XXXX should have already been corrected and adjusted ( shown on attached bank statement ) and should no longer be reporting to the Credit Bureaus as late XXXX I have the exact timestamps of these phone calls via XXXX XXXX, and I will file a subpoena for them if needed. Furthermore, multiple XXXX XXXX XXXX customer representatives have also attempted to remedy the reporting of this incorrect information by double checking the adjustment that was triggering the incorrect 30-day late payment, as well as by filing yet another XXXX XXXX XXXX Request ID. However, after having filed an additional dispute through XXXX with multiple dispute # 's, XXXX XXXX XXXX is still verifying the 30-day late payment is correct. As supporting evidence of my timely payment history on all of my accounts, attached are the XXXX, XXXX, and TransUnion Credit Reports illustrating EXCEPTIONAL payment history of EACH of my accounts, showing the only negative outlier to be the XXXX XXXX XXXX account in dispute. Also included within the package I sent to XXXX XXXX XXXX via certified mail and return receipt were printed copies of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX email correspondence that illustrates XXXX XXXX XXXX incorrect and contradictory reporting, as well as a notarized affidavit that expresses I have received first hand admittance from multiple XXXX XXXX XXXX representatives that this " late payment '' should have been taken off and no longer showing on my credit report. As of today, XX/XX/XXXX, XXXX XXXX XXXX is still reporting incorrect information to XXXX, XXXX, and TransUnion which is harming my credit report. This incorrect information must be removed and corrected immediately. XXXX XXXX XXXX has a legal responsibility to report correct information to XXXX, XXXX, and TransUnion in a timely fashion, and I will no longer be a victim of XXXX XXXX XXXX reporting incorrect information. Failure of XXXX XXXX XXXX to promptly remedy the reporting of incorrect information to XXXX, XXXX, and TransUnion will, at minimum, result in immediate account closure and complaints filed with the XXXX, the CFPB, and the respective Attorney General if needed. Lastly, I also reserve the right to file a lawsuit against XXXX XXXX XXXX in small claims court for financial damages and consumer rights violations if XXXX XXXX XXXX fails to respond and confirm remedy in writing by the aforementioned allotted times. Note : The allotted time established via certified mail and return receipt, and pursuant to the Texas Business and Commerce Code - BUS & COM 17.505. Notice ; Inspection has already already passed, and I will be moving forward with filing a small claims lawsuit if this is not remedied accordingly by the CFPB allotted time.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78666

Consent provided

Web

2023-05-30

Closed with non-monetary relief

Yes

2019-03-28

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

Allied Interstate calls 10-15 times a day from various phone numbers.

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

IQOR US INC

CA

90808

Consent provided

Web

2019-03-28

Closed with explanation

Yes

2023-06-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose

EQUIFAX, INC.

TX

762XX

Consent provided

Web

2023-06-09

Closed with non-monetary relief

Yes

2020-04-30

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 requested for my late payments to be removed from my Credit Report ; because the monies were held in an escrow account for ever and my loan was not paid. While the modification was done and after the monies were not paid to my loan. I call XXXX every month and they never paid my account. i send a letter for them to do an investigation and obviously they feel it's my fault. In addition, I requested for XXXX to removed the complain as resolve, since nothing was done about it ; and was told by a XXXX in collection that : " if I wanted to clear the Credit Bureaus-it was my responsibility do clear the credit issue myself. I explain that he was wrong and by law all complaints need it to be clear as resolved. I did get a letter from XXXX stating that the inquiry was finish and they would not removed the late payments.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77338

Older American

Consent provided

Web

2020-04-30

Closed with explanation

Yes

2022-01-21

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

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

My car loan stopped reporting in XXXX of XXXX after filing bankruptcy XXXX XXXX. My bankruptcy was dismissed as of XX/XX/XXXX I have been contacting navy federal since the bankruptcy was dismissed to get my car loan back reporting since it was deleted from credit report. I have had 3 investigations open with the bank on why its not reporting only after being told its been reporting every month. Navy federal assured me on XX/XX/XXXX that my loan was submitted to the credit bureau for reporting I have contacted XXXX and XXXX every signed day since and they advised me once they receive an updated electronically they can see it right away and nothing has been reported to them today is now XX/XX/XXXX XXXX federal says it can take 30 days to show up once reported but the credit bureaus state differently that information is updated once received a d if it was sent electronically they should be able to see it now. This car loan not showing on my credit is damaging to me no one will take my car as a trade In because there is no history of the loan! I have 3 years of on time payments the car loan was open in XXXX of XXXX. The longer this does not report the more my car value will continue to go down and I will be more upside down in this loan. I have made every attempt to rectify this own my own and nothing has been resolved ive spent countless of hours on the phone with navy federal and I am receiving mixed information. I can never get a straight forward answer or resolution regarding this. I should not have to file an official complaint against a bank to have my loan and payment reported its my right to have my information reported correctly.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

MD

21207

Consent provided

Web

2022-01-21

Closed with non-monetary relief

Yes

2021-02-15

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

Credit reporting

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

Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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

SYNCHRONY FINANCIAL

IL

60628

Consent provided

Web

2021-02-15

Closed with non-monetary relief

Yes

2022-12-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Regardless of the multiple written requests, the unverified account listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this account completely from my Credit Reports : CITI XXXX Date Opened : XX/XX/2005 Balance : {$0.00}

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

CITIBANK, N.A.

NY

11219

Consent provided

Web

2022-12-30

Closed with explanation

Yes

2021-02-24

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

ON XXXX of 2020 credit collections issued a collection for {$2.00} on behalf of XXXX XXXX XXXX. I have reason to believe that this debt is fraudulent. I never conducted business with XXXX in 2020.

Company believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

IL

60634

Servicemember

Consent provided

Web

2021-02-24

Closed with explanation

Yes

2022-10-01

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

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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

Experian Information Solutions Inc.

PA

15221

Consent provided

Web

2022-10-01

Closed with explanation

Yes

2022-09-16

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.

Company believes it acted appropriately as authorized by contract or law

The CMI Group, Inc.

CA

92105

Consent provided

Web

2022-10-04

Closed with non-monetary relief

Yes

2021-04-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi, I am writing to request the following information to be deleted from my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not consent to these accounts. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete these items as soon as possible.Thank you

EQUIFAX, INC.

GA

30093

Consent provided

Web

2021-04-01

Closed with explanation

Yes

2020-03-12

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

I was sent a letter from Gurstel Law offices in MN and they said they were acting on behalf of XXXX XXXX XXXXXXXX and attempting to collect a debt. They served me a Summons and said that I was being sued because of this debt. They would not answer any of my calls or emails. This information was put in the letter head for me to contact them however after several attempts I never was able to speak with anyone. I was asking for proof that this debt and as stated " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ''. This information was never provided. I was in the middle of closing on the sale of my home and they entered in a Judgment and I was not able to close the home without this judgment being paid from proceeds of the home sale. They took that money and have not communicated with me regarding this account with XXXX XXXX XXXX. They never reached out to me in any way. They have a fraudulent account according to law if they can not bring to me a physical, signed copy of my agreement.

Gurstel Law Firm, P.C.

UT

84790

Consent provided

Web

2020-03-12

Closed with explanation

Yes

2018-10-24

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

EQUIFAX Placed an Unauthorized Hard Inquiry on my credit report without my consent from " Factual Data Inquiry from XX/XX/2018 ''. I personally called the Equifax consumer support to remove this Hard inquiry as i personally have not authorized anyone to pull the hard inquiry. They irresponsibly reply that they can pull hard inquiry when ever they want and that the consumer can not do anything about it. I did specify that what they did is not authorized per the financial laws, and the customer support representing equifax did not see to care and I did ask them where do i file complaint against EQuifax and they casually replied do a XXXX search. They did not give me this website ( XXXX ) information. Please help to work with Equifax to remove the hard inquiry on my report as Equifax doesnt seem to care and playing hard to work with consumer.

EQUIFAX, INC.

NJ

088XX

Consent provided

Web

2018-10-24

Closed with explanation

Yes

2022-08-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

XXXXX

Consent provided

Web

2022-08-22

Closed with non-monetary relief

Yes

2023-03-02

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

Yesterday, XX/XX/XXXX, my husband was contacted by someone asking for me by my former married name. I called the number back at XXXX. I spoke with XXXX XXXX who talked very fast and told me that they are prepared to file suit against me in my home county of XXXX on XX/XX/XXXX. I live in XXXX, now. XXXX XXXX gave me file # XXXX. He proceeded to tell me that they are going to get a judgement against me to garnish my wages from the State of XXXX and place liens on my assets. I was shocked and explained that I do not have any idea what he is talking about. He said that they had mailed something to me back in XX/XX/XXXX. I explained that if they sent this in my former married name, it was probably thrown away because I only get junk mail in that name these days. I asked XXXX XXXX to slow down many times so I could take notes. He stated that I agreed to arbitration when I signed up for the card and with that, it allows HSBC Household/XXXX XXXX to pursue this debt for up to 15 years and that it went to collections in XXXX. I again, stated that I have no idea what he was talking about and that I haven't had any defaulted credit cards since I left my ex husband in XXXX or XXXX and that he was supposed to have been paying the credit card bills. XXXX XXXX stated that that is about 90 % of what he hears. XXXX XXXX stated that they have not yet filed a complaint, but are prepared to do so on XX/XX/XXXX. He stated that the debt owed is {$2200.00} but if I make a XXXX time settlement, they would knock {$1000.00} off so I would only pay {$1200.00}, but if they take it to court, it will cost me over {$5000.00}. He also offered me a payment plan of $ XXXX, but that I would be paying the full amount, if I chose that option. I asked XXXX XXXX what company he's with and he stated that he is with XXXX XXXX in XXXX and they are mitigating this debt on behalf of XXXX XXXX in XXXX XXXX, XXXX. I explained that I needed time to talk to my husband and someone else about this and he stated that he would need to get permission from an " administrator '', ( I believe ), to put this on hold. He placed me on hold and came back and told me that he would need to hear back from me by the end of the day. I explained that I and my husband both work and I need more time than that. He stated he would give me until Friday or Monday and he would email me a " Validation of Debt ''. He gave me an outdated email that I haven't used in over 10 years. I gave him an updated email address and he sent me a form that I was supposed to initial and send back via XXXX. XXXX XXXX then gave me call back phone # XXXX ext. XXXX. The first document I was sent, asked me to respond by XX/XX/XXXX. I called XXXX XXXX back at the phone number on the document, XXXX XXXX, ( a XXXX XXXX, CA area code ), and stated that I needed that date corrected and XXXX XXXX stated that he would get that changed to XX/XX/XXXX as it is now on hold. I received that corrected document and will attach it if able. I've reviewed this document and can not sign something that I do not know anything about. IF I owe this debt, the last payment on this would have been around XXXX and it doesn't make sense that they would wait until XXXX to put it on my credit. I've done research and obtained advice from an attorney who recommended that I file this complaint, that the debt is time-barred by the statute of limitations, and that it is illegal for them to threaten to sue, garnish, and place liens or to actually take these actions. I have tried to obtain addresses for XXXX XXXX, XXXX XXXX, and XXXX XXXX, but was unable to find them in XXXX, XXXX, nor XXXX. I do not have any kind of address for these people and am beginning to wonder if this might be a scam altogether, which is worrisome as they have my personal information such as SSN and DOB.

HSBC NORTH AMERICA HOLDINGS INC.

KS

670XX

Consent provided

Web

2023-03-27

Closed with explanation

Yes

2018-10-01

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

I challenged the accuracy, compliance and reportability of two bankruptcies a Chapter XXXX and XXXX XXXX showing on my credit report on XX/XX/2018. I asked for Equifax, XXXX, and XXXX to please validate this information with United States Bankruptcy Court XXXX District of Alabama and provide me with copies if any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received information for all three bureaus stating it was verified and will remain. The bureaus never contacted the courts but instead they reached out to a third party XXXX XXXX to provide this information. I have opted out and placed a freeze on my credit and consumer file which is attached as well as a letter from the United States Bankruptcy Court XXXX District of Alabama stating they do not report this information.

EQUIFAX, INC.

AL

350XX

Consent provided

Web

2018-10-01

Closed with explanation

Yes

2023-07-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

GA

30281

Consent provided

Web

2023-07-04

Closed with non-monetary relief

Yes

2019-07-20

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA 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 : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or 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 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.

EQUIFAX, INC.

WY

82801

Consent provided

Web

2019-07-20

Closed with explanation

Yes

2023-01-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

They have ignored my request to provided me with the documents that they have in there files that they used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Accounts Navient XXXX XXXX XXXX XXXX XXXX XXXX ( {$13000.00} ) XXXX ( {$47000.00} ) XXXX ( {$20000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX US DEPARTMENT OF ED ACCT NUMBER XXXX XXXX XXXX XXXX XXXX, NY XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

GA

XXXXX

Consent provided

Web

2023-01-30

Closed with explanation

Yes

2022-05-24

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a account under open end consumer credit plan as late for purpose.

EQUIFAX, INC.

MO

65804

Servicemember

Consent provided

Web

2022-05-24

Closed with explanation

Yes

2020-07-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33023

Consent provided

Web

2020-07-29

Closed with explanation

Yes

2020-11-19

Credit card or prepaid card

Government benefit card

Problem with a purchase or transfer

Charged for a purchase or transfer you did not make with the card

I applied for unemployment and was denied so I appealed and won. I was getting back pay for a lot of unemployment. I received my unemployment benefits on XX/XX/2020 I still had not received my card. I ordered a new card to be expedited never received that card either. I waited a while cuz they kept telling me 7 to 10 business days ... Well someone received my card activated it set up an online account with it and began spending my money. I called reliacard and filed my claim. They denied my claim because who ever stole my card uses the same stores as me which isn't hard to believe we live in a very small town.. il

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

U.S. BANCORP

MN

557XX

Consent provided

Web

2020-11-19

Closed with explanation

Yes

2021-02-25

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

I'm receiving debt collection calls to my work phone from a debt collector I do not know. It's Penn Credit Corporation and the number on my work caller ID is XXXX. I'm in a open area at my office and I don't want to be heard talking to a debt collection company, let alone one I don't even know. I receive about 2 to 3 calls a day.

Company believes it acted appropriately as authorized by contract or law

Penn Credit Corporation

TX

78660

Consent provided

Web

2021-02-25

Closed with explanation

Yes

2019-07-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30045

Consent provided

Web

2019-07-17

Closed with explanation

Yes

2021-09-17

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

Credit reporting

Incorrect information on your report

Account information incorrect

Transunion is reporting inaccurate information constantly. My credit card usage is based on 1 card even though I have 3 reported with them. The accounts that are reported are delayed. I have heard they purposely do this and it really noticeable in my account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

22304

Consent provided

Web

2021-09-17

Closed with explanation

Yes

2023-09-17

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

I opened Regions personal checking XXXX account as part of the promotion. Setup initial deposit also. But I am not able to access the account online. I had an old profile but even using that I can not access it. For this I called Regions bank customer service on XXXX XX/XX/2023. I was told by the lady that may be try after 24 hours. Well it's not working even after 24 hours also. As part of this promotion- one has to be have online access. When trying to enroll for online access, I am getting this kind of error : We apologize for the inconvenience, however we are unable to process your request at this time ( XXXX ). Please contact Regions XXXX XXXX at XXXX ( XXXX ) for further assistance.

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

REGIONS FINANCIAL CORPORATION

TX

XXXXX

Consent provided

Web

2023-09-17

Closed with non-monetary relief

Yes

2017-12-06

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

On XXXX XXXX2017, I sent out certified to all 3 credit bureas including multiple CA. I 've been trying to resolve multiple negative account statuses on my credit report. The credit bureas ( XXXX and Experian ) have failed to properly verify these accounts after 2 months. Due to poor investigation or lack there of, communication and a number of other things. Im requesting that all negative accounts that were n't lawfully investigated be removed. XXXX has been very successful and very helpful in removing the same EXACT accounts that XXXX and Experian failed to properly investigate. These medical bills are negatively effecting my credit score, reputation and credit worthiness. The medical accounts in question have balances of {$570.00}, {$570.00}, {$470.00} and {$320.00}.

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

Experian Information Solutions Inc.

LA

70433

Consent provided

Web

2017-12-07

Closed with explanation

Yes

2023-03-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit 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.

FL

33917

Consent provided

Web

2023-03-16

Closed with non-monetary relief

Yes