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aciborowska

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customers-complaints-train

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2022-08-15

Vehicle loan or lease

Loan

Struggling to pay your loan

Lender trying to repossess or disable the vehicle

My husband is a XXXX XXXX XXXX who is currently XXXX. Vw Credit financial has denied my husband and I our SCRA rights and have threatened to repossess our vehicle since we fell on hard times during his XXXX. They do not have a SCRA department or reposession department that we are able to get in touch with and has been giving us the run around. They know about the SCRA law, because they have been asking us to voluntarily surrender the vehicle instead of coming to take it ( since we live on the XXXX XXXXXXXX XXXX XXXX ). They are denying a court order as well.

VW Credit

KY

42223

Servicemember

Consent provided

Web

2022-09-03

Closed with explanation

Yes

2023-04-10

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

Credit reporting

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

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

On XX/XX/XXXX my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, XXXX XXXX XXXX has lowered my total credit limits from $ XXXX to $ XXXX. After reaching out to XXXX with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. XXXX XXXX XXXX has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. Again, XXXX XXXX XXXX does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92879

Consent provided

Web

2023-04-10

Closed with explanation

Yes

2022-08-23

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

Credit reporting

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

Was not notified of investigation status or results

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

EQUIFAX, INC.

TN

37601

Consent provided

Web

2022-08-23

Closed with explanation

Yes

2022-03-31

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

Medical Revenue Services is constantly calling me to say I owe a debt but will not provide me with any information regarding the debt. They claim to have sent me some information in the mail, but I never received said information. Every time I've asked for information since they've said they are not required to provide me with any additional information and refused to send another letter out. I have made repeated attempts to get any information. Any time I mention the FDCPA they immediately shut me down and will not provide me with any information claiming they will lose their job. I ask for the basic information. Their name Company name Address Call-back phone number Website URL State license number, if available as not all states license collectors I called the Toll Free Number back they called me on to get information. I spoke with XXXX different people, only XXXX of them would give me an address, XXXX gave me a first name only, and XXXX gave me a business name. No one would provide the information together. They want my information before MAYBE providing me with information. It is my understanding that I am protected by the FDCPA and this organization " Medical Revenue Services '' is acting in bad faith by being aggressive, harassing me with multiple calls a day, and refusing to give me any information. I made multiple calls today XX/XX/2022 at XXXX, XXXX, XXXX, XXXX, and XXXX. Let me state the first call I made at XXXX I said give me a moment to verify my rights via FDCPA they immediately hung up.

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

Medical Data Systems, Inc.

GA

30265

Consent provided

Web

2022-03-31

Closed with explanation

Yes

2023-04-03

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

Credit reporting

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

Their investigation did not fix an error on your report

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX - IDENTITY THEFT XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 XXXX XXXX5 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 of 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

Experian Information Solutions Inc.

NJ

070XX

Consent provided

Web

2023-04-03

Closed with explanation

Yes

2022-09-13

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

GA

30294

Consent provided

Web

2022-09-13

Closed with explanation

Yes

2019-04-14

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

XX/XX/XXXX mailed my original letter XX/XX/XXXX the mailed me the breakdown of my services and that's a hippa violation XX/XX/XXXX mailed hippa letter to them and they signed for it XX/XX/XXXX XX/XX/XXXX heard nothing back XX/XX/XXXX mailed them a letter and they signed for it on XX/XX/XXXX ( currently waiting )

Company believes complaint caused principally by actions of third party outside the control or direction of the company

Asset Maximization Group, Inc.

NJ

08610

Consent provided

Web

2019-04-15

Closed with explanation

Yes

2023-07-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

AL

365XX

Consent provided

Web

2023-07-17

Closed with non-monetary relief

Yes

2018-07-09

Debt collection

Other debt

Threatened to contact someone or share information improperly

Contacted your employer

I been harsed that the company has contacted my employer and said that I have a bad debit the company name is c b e group address XXXX XXXX XXXX XXXX Iowa zip XXXX account number that I have no knowledge of is XXXX this debit does not belong to me XXXX XXXX

The CBE Group, Inc.

GA

30224

Servicemember

Consent provided

Web

2018-07-12

Closed with explanation

Yes

2019-09-16

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

In XX/XX/XXXX I applied for a new Capital One Venture Credit Card that offered a 0 % balance transfer offer. When I received the card I tried to transfer a balance to the new credit card and was told by the representative that the card I received did not have the 0 % balance transfer offer and a balance transfer would have 20 % interest. I then asked for it to be corrected. The representative told me that they could not correct it. I then told them that I would be reporting this fraudulent offer to Consumer Protection Agency and asked to close the account.

CAPITAL ONE FINANCIAL CORPORATION

SD

577XX

Consent provided

Web

2019-09-16

Closed with explanation

Yes

2022-10-09

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

XXXX XXXX XXXX XXXX is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. XXXX XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Capital One Bank ( USA ) N.A. I have not received any goods or services from XXXX XXXX XXXX XXXX and I do not know how XXXX XXXX XXXX XXXX received my private information. XXXX XXXX XXXX XXXX previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to XXXX XXXX XXXX XXXX failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from XXXX XXXX XXXX XXXX. I am being harassed. As of XX/XX/2022, XXXX XXXX XXXX XXXX will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of another company at the expense of my private information being on display to whomever. I am not a party to any agreements that XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( USA ) N.A. I am not responsible for XXXX XXXX XXXXXXXX XXXX purchase / transfer from Capital One Bank ( USA ) N.A I have not agreed to pay/tender anything to Portfolio XXXX XXXX XXXX XXXX I have contacted Capital One Bank ( USA ) N.A in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to XXXX XXXX XXXX XXXX. At this time, I demand no further contact from any associate or authorized representative of XXXX XXXX XXXX XXXX. My credit files are not to be reported to or damaged in regards to this matter as XXXX XXXX XXXX XXXX, are not Holders In Due Course with contractual agreements to support goods or services provided to me. All calls are recorded for my safety Please be advised that XXXX XXXX XXXX XXXX, are not Holders in Due Course. Please Cease and Desist. I have included all proof in the attachments.

CAPITAL ONE FINANCIAL CORPORATION

SC

296XX

Consent provided

Web

2022-10-09

Closed with non-monetary relief

Yes

2019-03-27

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

Credit reporting

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

Their investigation did not fix an error on your report

My wife and I were XXXX from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy XXXX. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with XXXX and XXXX with Equifax ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and XXXX in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. XXXX promptly deleted the entire account from my credit report. Equifax eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called XXXX and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!

EQUIFAX, INC.

FL

34786

Consent provided

Web

2019-03-27

Closed with explanation

Yes

2019-09-20

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

Bank of America Allegiant MasterCard closed my acct without warning. After I made a large purchase at the grocery store my card was declined. I am not even close to my maximum credit allowed. I called them and they said they send me a letter about my situation and they had not. Today I have received the letter stating that my acct is closed due to my risk profile no longer aligns with the banks risk tolerance. It says they can close the account at any time and my reward points will be forfeited. I feel this is deceptive and unreasonable because I am not near the maximum credit allowed.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

PA

180XX

Consent provided

Web

2019-09-20

Closed with non-monetary relief

Yes

2023-02-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

To whom this may concern, to the creditors at Pull my credit to inquire inquries on my report. I would like for 7 or more inquiries to be removed from my report based on a decrease in credit score.These creditors have been contacted and notified of matter that is being reported to this bureau. Only a soft pull was instructed, not a hard pull. Thank you for resolving this matter, XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

GA

30084

Consent provided

Web

2023-02-09

Closed with explanation

Yes

2020-09-30

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

On XX/XX/2020, I received a call from a man who identified himself as a process server from XXXX XXXX XXXX in California ( phone number XXXX ) who informed me that a civil lawsuit has been filed against me in XXXX XXXX, Florida by Citicard Home Depot ( Case # XXXX ) and I will be served today. He recited my social number but did not identify himself. I contacted my credit card company Citibank Home Depot and was informed that my account has a XXXX balance and there is no evidence of any payments due or debt owed to this creditor on my current credit report. I contacted the police and made a police report ( City of XXXX XXXX Police Department # XXXX ) Shortly thereafter my husband received a voicemail message from the caller who indicated that my husband and I were being sued and that implied that they would contact our mortgage. It is important to note that my husband and I have never had a joint credit card with Citi card or Home Depot and, based on my review of XXXX Country Clerk of Court records, there is no evidence that a civil complaint is currently filed me against me and/or my husband by Citicard or any other creditor. I believe that may be an old debt which, if true, would have existed years before I met my husband. I was informed by the police that the police contacted the company and was informed that this is related to a debt collection effort. In a subsequent call, the debt collector called me a " loser '' and a " dead beat '' and made other disparaging comments about me to my spouse.

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

CITIBANK, N.A.

FL

33434

Consent provided

Web

2020-10-05

Closed with explanation

Yes

2022-03-22

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

I sent a debt verification letter via certified mail on or about XX/XX/XXXX. Elevate Recoveries received and acknowledged said letter on XX/XX/XXXX. It has been 30 days and I have not received and communication in regard to the debt being verified. I would like to request a debt deletion letter.

Elevate Recoveries, LLC

MD

20783

Consent provided

Web

2022-03-22

Closed with explanation

Yes

2022-08-14

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

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give syncb/gap written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. Company : SYNCB/GAP DATE OF INQUIRY : XX/XX/ 2021 2021

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

SYNCHRONY FINANCIAL

NY

10459

Consent provided

Web

2022-09-02

Closed with non-monetary relief

Yes

2019-07-16

Checking or savings account

Savings account

Closing an account

Funds not received from closed account

Back in 2017. I had Bank of America Checking account. I even had Direct deposit from my company that I still work for. The company name is XXXX to my Bank of America checking account. Furthermore, it was only direct deposit to my account for paying my mortgage and family expenses. I also had Saving Account that I had saved up {$26000.00} and I do not know where they go to or who withdrawal them.. I need to find about where it go. However, the account back in mid of 2017 that I did not authorize to anyone to do such thing that ruin my credit and reputation. Anyway, the account is closed and I lost my account, so help me find it please. Thank you, XXXX XXXX

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

BANK OF AMERICA, NATIONAL ASSOCIATION

WA

98003

Consent provided

Web

2019-07-16

Closed with explanation

Yes

2023-01-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have three accounts on my credit report with XXXX XXXX XXXX that I did not authorize, these accounts are fraudulent and they need to be removed from my credit report with all three bureaus.

EQUIFAX, INC.

AL

361XX

Consent provided

Web

2023-01-08

Closed with explanation

Yes

2020-11-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.

EQUIFAX, INC.

CA

95826

Servicemember

Consent provided

Web

2020-11-16

Closed with explanation

Yes

2022-06-25

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

On XX/XX/22, Made a payment of {$2000.00} at Bank of America office located at XXXX XXXX XXXX XXXX XXXX, IL XXXX at the teller line. The payment consisted of a cashier 's check drawn from XXXXXXXX XXXX XXXX XXXXXXXX, A XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX. XXXX : Bank of America. See attached for a copy of receipt, cashier check, and payment coupon. When checking payment history on my credit card, I discovered the {$2000.00} wasn't applied. I contacted customer service via phone. The rep stated I will receive a letter and a copy of the returned check. At that time, I didn't know why the check was being returned. Shortly after this phone call, I received a letter dated XX/XX/22 from BOA that stated my payment was returned unpaid. The letter did not state why the check was returned or a copy of the returned the check, see attached for a copy of the letter dated XX/XX/22. I proceeded to call customer service via phone for the reason why the check was returned. BOA stated the check was returned due to improper endorsement and I needed to go back to XXXXXXXX XXXX XXXX XXXXXXXX, A XXXX XXXXXXXX XXXX to fix the issue. I asked the rep where is the check now? The rep stated when a check is returned, BOA shreds it per policy. I was very confused why my cashier 's check was shredded. I asked for this statement to be in writing so I can take it back to XXXX XXXX XXXX XXXX a XXXX XXXX Bank. The rep stated they can not fulfil my request. I was very confused with this information and why my cashier 's check was shredded and returned so I decided to call back customer service and talk with a manager. The manager confirmed the cashier 's check was shredded and transferred me to the bill payment department. The rep in the bill payment department didn't understand why I was transferred to her and stated I needed to go back to XXXXXXXX XXXX. I decided to go into the BOA bank in XXXX IL to talk with someone in person at the bank I made my payment. The personal banker researched and came up with the same story. I again requested a letter stating the cashier 's check was shredded. The banker stated she can not fulfil that request and suggested I needed to go back to XXXXXXXX XXXX I went to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. to talk with them about the cashier 's check. XXXX stated the check was returned due to improper endorsement and provided me a copy of the check front and back. XXXX also ensured that I didn't need to endorse the check because it was payable to BOA and they should have done that step. After receiving a copy of the returned check ( front and back ) from XXXX, I went back to BOA bank in XXXX. I explained the situation again and the banker started a case, XXXX. The banker stated they would take care of it and when they got to the bottom of the situation, they would back date my payment so I wouldn't have to pay any interest from this payment. I received a letter dated XXXX from BOA stating on case # XXXX that the check was returned due to " Endorsement Irregular. '' The letter continued to state I would need to go back to XXXXXXXX XXXX for them do due research to locate the funds and reimburse me. See attached for a copy of the letter. I called XXXXXXXX XXXX again and they stated because BOA was the payee and you have evidence ( my receipt ) that BOA was in possession of the check. They stated BOA, needs to request a new check because of legal reason. I feel as if BOA continues to state this is my problem and I did something wrong but I feel they have made a mistake within the BOA system which started at the teller line not endorsing the check when payment was made. On XX/XX/22 at XXXX I went back to BOA at the XXXX XXXX, to speak with the manager about the situation. The manger stated I should wait XXXX days and then have the check tracked as a lost check so XXXXXXXX XXXX could re-issue the cashier 's check for me to make the payment again. My complaint is only with BOA.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

IL

60031

Consent provided

Web

2022-06-25

Closed with explanation

Yes

2023-05-04

Checking or savings account

Other banking product or service

Opening an account

Account opened as a result of fraud

In XXXX XXXX XXXX I received a " statement '' from someone either posing as Bank of America or Bank of America themselves saying I opened an account called " Your Adv SafeBalance Banking '' account. It said there was an opening bal of XXXX and an ending bal of XXXX. Then XXXX came and I received another notice from them with an opening bal of XXXX and an ending balance of XXXX. So, i still believed that this was a scam trying to get me to contact them a bit like the internet " click-bait '' scams going around. I did not call and I still have no intention of contacting them as I never opened this account to begin with. I received another " statement '' from them saying that now I owed them {$4.00}, and then another and yet another until now they say I owe them {$9.00}. Let me be very clear, I have never opened this account.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MI

490XX

Consent provided

Web

2023-05-04

Closed with explanation

Yes

2021-03-24

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

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

On XXXX XXXX i requested a credit increase with capital one and was denied due to my usage being low. Applied again XXXX XXXX and received the same message after using the card. XX/XX/2021 i made a payment with a new Checking account and used the wrong account number which caused the payment to return, that same day i updated the account number and made the payment. Now that my limit has increased, the reason i am unable to receive and credit limit increase is due to simple mistake! Ive been with caption one for 8 year and i have never missed a Payment or had a return payment before. I called capital one XX/XX/2021 to have my file reviewed and reconsidered, however NO ONE was able to assist me and the first person i spoke with was extremely rude, i request to file a complaint. Filing a complaint with capital one means nothing!! No one is supposed to follow up with the customer to make sure my concerns were heard and there is no confirmation number to confirm the complaint has been submitted.Overall, the system reviews the information and thats that!!!! I am purchasing a home and i need a larger limit to purchase items, i have 2CC and a auto loan that i will gladly close and take my XXXX years of business elsewhere if this is not resolve.

CAPITAL ONE FINANCIAL CORPORATION

TX

XXXXX

Consent provided

Web

2021-03-24

Closed with non-monetary relief

Yes

2021-11-01

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

My contact dates were in XXXX, XXXX, XXXX, and XXXX. I requested validation from a creditor for a medical procedure. SCA collections refuses to give me the creditors information including phone number .A mistake has taken place because in 2018 my insurance covered all of my medical bills. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days allows the collector to include the debt validation notice in the initial communication if that communication is a letter. When the debt collectors first communication with you is a phone call, you should receive a debt validation letter from them within five days. Fair Debt Collection Practices Act Validation of Debts A debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, all of the following information must be sent to the consumer in written form : The amount of the debt The name of the creditor to whom the debt is owed Notice that the consumer has thirty days to dispute the debt before it is assumed to be valid How long can a creditor collect on a debt in NC? three years If you are living in North Carolina, consumer debt has a statute of limitations of three years. North Carolina Statute of Limitations on Debt Collections. North Carolina Statute of Limitations on Debt Debt Type Deadline in Years All Consumer Debt 3 Judgments 10

SCA Collections, Inc.

NC

28304

Servicemember

Consent provided

Web

2021-11-01

Closed with explanation

Yes

2019-05-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I was looking at my credit report and notice there was a collection that does not belong to me. I sent the company and the credit bureaus certified mail telling them that this account does not belong to me. Its been about 4 weeks now, and I have not heard from them, or gotten any letters from them.

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

Experian Information Solutions Inc.

FL

32084

Servicemember

Consent provided

Web

2019-05-01

Closed with non-monetary relief

Yes

2021-03-06

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

A booked a flight through American Express for my family of XXXX. Unfortunately I had to cancel the trip. I used the chat bot feature to do so. The chat bot informed me that I would get a credit of {$420.00}. Apparently now American Express states its {$420.00} divided among the four tickets. The chat bot function did not relay that or make it clear in any way. I am in need of that full credit amount for an emergency use.

AMERICAN EXPRESS COMPANY

TX

75025

Consent provided

Web

2021-03-06

Closed with explanation

Yes

2022-09-03

Debt collection

Federal student loan debt

Written notification about debt

Didn't receive notice of right to dispute

Violations done by consumer reporting agencies regarding unauthorized use of credit card, identity theft and reporting consumer reports without written authorization or permission by Administrator/Card Holder XXXX, XXXX and Equifax are in willful and knowing violation for reporting false and misleading, inaccurate information after theyve been warned of such matters which includes names that are fictitious names and addresses along with employment history. Consumer reporting agencies did not obtain written permission pursuant to 15 U.S.C. 1581b ( a ) ( 2 ) ( 3 ) ( a ). There's no prove regarding financial institutions loaning out cash or asset of its depositors pursuant to 12 U.S.C. 83, otherwise where's the validation of proof which shows the audits and transmission of currency being lent out if the. Admit or Deny that consumers have been lending themselves any loans or credits. If denied then provide proof. XXXX, Equifax or XXXX never received written permission by consumer for the unauthorized use of the social security card, name and account number pursuant to 15 U.S.C. 1602 ( p ) nor did they get permission by the consumer to publicize non-public information pursuant to 15 U.S.C. 6803 which violates Privacy Act of 1974 pursuant to 5 U.S.C. 552a which clearly states that it shall be unlawful for any federal, state or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individuals refusal to disclose his social security number. This also means that men or women cant be identified by a social security number or paper. Pursuant to 15 U.S.C. 1681a ( 3 ) ( 4 ) -the consumer reporting agencies committed identity theft. ( 3 ) The term identity theft means a fraud committed using the identifying information to another person, subject to such further as the bureau may prescribe by regulation. ( 4 ) Indentity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means at a minimum, a report, ( a ) that alleges identity theft. This constitutes identity theft when U.S. Department of EducationXXXX XXXX conspired to deprive the consumer by unlawfully reporting to consumer reporting agencies by means of altering, trading and selling of the social security card XXXX name and account number which are non-public records and violates the privacy act of 1974 and they did not get permission from the Administrator/Card Holder to disclose such private information amongst each other pursuant to 15 U.S.C. 1602 ( p ) -unauthorized use, 15 U.S.C . 1581b-permissible purpose of consumer report which carries penalties punishable by law pursuant 42 U.S.C. 408-penalties. Other Violations 15 U.S.C. 1611-criminal liability for willful and knowing violation 15 U.S.C. 1640-civil liability 15 U.S.C. 1641-liability of assignees 15 U.S.C. 1681n-civil liability for willful non-compliance 15 U.S.C. 1681o-civil liability for negligent noncompliance 15 U.S.C. 1644 ( a ) -use, attempt or conspiracy to use credit card in transaction affecting interstate or foreign commerce 15 U.S.C 1692g-validation of debts 15 U.S.C. 1681s-2-responsibilities of furnishers of information to consumer reporting agencies 18 U.S.C . 241-conspiracy against constitutionally protected rights under color of law 18 U.S.C. 242-deprivation of constitutionally rights under color of law Please Note : it is a crime to overthrow our constitutionally form of government for monetary gain of function and profit. in the article " who owns your credit score '', the ceo admitted that his own consumer report was inaccurate. It goes on to state that " XXXX XXXX, told XXXX XXXX XXXX XXXX that when he first checked his own equifax credit report, it showed he bought a vaccum cleaner he didn't own, a mobile phone service he hadn't signed up for and a credit card he didn't have. Claim Numbers Regarding Disputes : XXXX Claim Number-XXXX Federal Trade Commission Claim NumberXXXX Equifax Claim NumberXXXX Equifax Claim Number for U.S. Department of Education-XXXX Equifax Calim NumberXXXX

EQUIFAX, INC.

TN

37115

Consent provided

Web

2022-09-03

Closed with explanation

Yes

2022-04-21

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ). I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

TRANSWORLD SYSTEMS INC

FL

32209

Consent provided

Web

2022-04-21

Closed with explanation

Yes

2015-12-10

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

recording asked for XXXX almost daily

D&A Services, LLC

FL

34952

Older American

Consent provided

Web

2016-01-05

Closed with explanation

Yes

No

2023-05-17

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

Credit reporting

Improper use of your report

Report provided to employer without your written authorization

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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.

CA

90045

Consent provided

Web

2023-05-17

Closed with explanation

Yes

2023-04-12

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

Credit reporting

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

Their investigation did not fix an error on your report

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07032

Consent provided

Web

2023-04-12

Closed with non-monetary relief

Yes

2017-04-29

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

Thank you in advance for your time and help. This is in regards to a credit card with Bank of America, XXXX, Wa. and in the past XXXX, Wa. XXXX XXXX, Bank of America where I used to live. When I opened the new Bank of America account in XXXX, Wa. ( XXXX ) they gave me a new credit and debit card. I have never in my life taken cash advances off a credit card and never made late payments. Normally I just write out a payment for my credit card, check the few things charged and mail the payment. This last payment ( XXXX ) I noticed that my balance was incredibly higher and was getting higher and higher. I happened to look to the bottom of the page of the bill this time and noticed that they were calling out " Interest for cash advances '' and at 19!!!! percent. I only charge a few things a month from my home online - Never even take my credit card nor use it in the outside world, just inside my home. After pulling out all of my records going back 10 years ( and I have more than that going back ) I see that this is in the thousands of dollars and they show right now that I have got " cash advances '' of approximately {$12000.00} dollars. I have never got " cash advances '' When I send in a payment for say {$300.00} only {$100.00} goes on to pay off the card balance, because they are charging ( with the " cash advances '' at 19 percent ) {$200.00} that the bank KEEPS. Again, I never get cash advances off of my credit card, nor did I know I was even allowed so much for " cash advances '' ... ... .I never noticed that before now because I did n't get " cash advances '' A card that I had never used or activated a number of years ago was frauded and the bank told me that they would credit my account for it as long as I called the Police ( XXXX Police Department , XXXX , Wa . which I did ... ... .I believe the date of this was XX/XX/XXXX and XX/XX/XXXX and was for more than {$1000.00} frauded off of a card I had never activated ... .In the letter the bank put account number ending in XXXX. Another was for XX/XX/XXXX for ATM fraud account # XXXX for I believe {$400.00}, Another for XX/XX/XXXX for {$150.00}. " XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX XXXX, which I have not idea means ... ..maybe frauded, Acct XXXX,. Another {$400.00}. acct XXXX Acct #, XX/XX/XXXX. I also have paperwork from the bank which I have no idea it means regarding a {$2000.00} dated XX/XX/XXXX " LST CREDIT TRANSFER '' and I have not idea what this means or stands for ... ... appears to be for an ERROR the bank because they credit my account # XXXX and the " New Balance Total '' is " {$0.00} Again, this is for the paperwork done on XX/XX/XXXX. I also had noticed some other errors such as someone ( not me ) reported that there was a {$.00} error on interest at a nother spot. The first time I called the bank regarding ALL of this, I was passed around to 6 people over a 2-1/2 hours period of time and the first 4 at least said they do not keep records going back this far ... ... I mentioned income tax stuff beause THAT is WHY I had ALL of my records going back forever. I called again recently last week and talked to a " XXXX '' XX/XX/XXXX, his number XXXX ... ..He kept looking through whatever and said he would send me copies showing the " cash advances '' and I said there should be a record with the bank of WHOEVER made these because it was n't me - like a photograph of the person or persons ... ... He sent the banks records shortly thereafter and they are they exact Same records I have with NOTHING showing WHO did the " cash advances '' I also told him that in XXXX I had " Overdraft Protection '' and was told I would be charged {$10.00} or {$12.00} per overdraft ... ..I rarely have overdrafted my account and would NEVER had overdrafted it for {$400.00} ... ... .So it is hard to understand how I have such a huge balance with huges numbers of $ $ $ added EVERY month for " cash advances '' ... ... .I noticed that sometime I think going back to XX/XX/XXXX, interest that was charged on balance was hardly anything compared to be charged {$200.00}. a month now ... ..Any help you give me is much appreciated

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

BANK OF AMERICA, NATIONAL ASSOCIATION

WA

980XX

Older American

Consent provided

Web

2017-04-29

Closed with explanation

Yes

2020-06-01

Debt collection

Mortgage debt

False statements or representation

Attempted to collect wrong amount

Since the beginning of 2020 Shellpoint Mortgage Servicing has been charging me with hazard and flood insurance for the property that already is protected under a blanket policy. I have sent them, and they also told me that they have received the proper paperwork stating that the property is fully insured, yet they continue to charge me extra fees. Because I am automatic billing through my bank, ( I have been paying every month on time ), each month they have been tacking on LATE FEES and now my account is in delinquency. ALSO ... i have recently checked my credit score, and it has negatively affected it. Recently dropped from XXXX to XXXX directly related to this incident. I have spent at least a total of 20 hours either on hold with different departments and/or different supervisors. Even there own employees admitted that the wait time is excessive to get a customer service representative was unacceptable. All of this has been going on since the beginning of the year, but most recently i have calling them at least 2 times per week for the past 4 weeks with no resolution. My CREDIT SCORE has been adversely affected, and this MUST STOP NOW!!

Company believes it acted appropriately as authorized by contract or law

Shellpoint Partners, LLC

FL

33311

Consent provided

Web

2020-06-01

Closed with explanation

No

2022-04-06

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I found this account under my credit reporting that I did not authorize, nor provide consent for.

Kikoff Inc.

MD

20720

Consent provided

Web

2022-04-06

Closed with explanation

Yes

2018-01-30

Debt collection

Other debt

Written notification about debt

Didn't receive notice of right to dispute

Innovative R reported {$290.00} as owed to XXXX XXXX XXXX for disputed charges which were never resolved ). I only have a statement from XXXX XXXX XXXX showing XXXX which was disputed and I was never contacted by Innovative R

ResidentCollect, Inc.

KY

42420

Consent provided

Web

2018-02-15

Closed with explanation

Yes

2022-12-31

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 to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Acct Account number XXXX XXXX XXXX Acct Account number XXXX

EQUIFAX, INC.

MD

XXXXX

Consent provided

Web

2022-12-31

Closed with explanation

Yes

2018-06-29

Vehicle loan or lease

Loan

Incorrect information on your report

Account status incorrect

I was told by a GoFinanical rep at the company that by law only 5 late payments can be removed and that they would be removed & that hasn't taken place. I have disputed with all 3 credit agencies that the inaccurate would be updated and that still hasn't happened. The company is now XXXX and the reps/supervisors are saying they don't have any record of what I was told.

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

Go Capital Holdings, LLC

SC

29229

Consent provided

Web

2018-06-29

Closed with explanation

Yes

2023-08-22

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

Credit reporting

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

Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX ) has violated my rights, 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

EQUIFAX, INC.

MI

48235

Consent provided

Web

2023-08-22

Closed with non-monetary relief

Yes

2021-05-14

Credit card or prepaid card

Store credit card

Incorrect information on your report

Old information reappears or never goes away

To whom it may concern, I have a charge off from KOHLS DEPARTMENT STORE that is still listed on all of my credit reports. I called several times regarding this and was told by KOHLS DEPARTMENT STORE company this would be removed from my credit report. I just checked again today and currently XX/XX/XXXX and it is still showing up from ( KOHLS DEPARTMENT STORE ). I would like this updated and removed from all 3 credit report agencies ( XXXX XXXX, and XXXX ) as they had promised. Card Detail : KOHLS DEPARTMENT STORE Opened XX/XX/XXXX ( 6 yrs, 7 mos ) Closed XX/XX/XXXXThank you for your time, efforts, and assistance in having this removed, I am grateful.

CAPITAL ONE FINANCIAL CORPORATION

NJ

07110

Consent provided

Web

2021-05-14

Closed with explanation

Yes

2023-02-01

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

Credit reporting

Incorrect information on your report

Account information incorrect

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28215

Consent provided

Web

2023-02-01

Closed with non-monetary relief

Yes

2022-01-25

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.

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

Experian Information Solutions Inc.

WA

98007

Consent provided

Web

2022-01-25

Closed with explanation

Yes

2023-07-25

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

Credit reporting

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

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint 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.

NC

273XX

Consent provided

Web

2023-07-25

Closed with non-monetary relief

Yes

2022-03-23

Debt collection

I do not know

False statements or representation

Attempted to collect wrong amount

The company Applied Business Service at XXXX XXXX XXXX, XXXX, NC XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), by using false or misleading language in an effort to collect a debt not owed. I've never done business with them before and they don't have a contract with my signature on it. I've requested information from them previously and they've never gotten back with me with the required documents.

Applied Business Services, Inc.

FL

32225

Consent provided

Web

2022-03-23

Untimely response

No

2021-02-25

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have noticed these fraudulent inquiries on my credit report. I have contacted Transunion and they have failed to respond as per the FCRA. Please help me since I am concerned this could hap [ pen again in the future.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PR

009XX

Consent provided

Web

2021-02-25

Closed with explanation

Yes

2023-01-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NJ

08332

Consent provided

Web

2023-01-28

Closed with explanation

Yes

2018-05-24

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I called XXXX XXXX about a debt that was brought to my attention. They made the claim that I had an outstanding debt. They gave me the address and the information about the collection service. XXXX XXXX made the claim that they could not help me on the matter as they have sold off the account to the debt collector. I then proceeded to call Bull City Financial Solutions, which was the company that has the debt collection. The first thing Bull City Financial Solutions told me was that they did not buy the debt from XXXX XXXX when I told them verbatim what I was told from XXXX. They gave me more information and I told them I have never lived at the location that they claimed the account was for. I asked for the dates of service, which were from XX/XX/XXXX to XX/XX/XXXX, in which I was XXXX and still living with my mother while I was a student at XXXX XXXX College.

Bull City Financial Solutions, Inc

NC

27606

Consent provided

Web

2018-05-24

Closed with explanation

No

2020-11-21

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

This complaint is about American Express ' ( AMEX ) Delta credit card. Background When buying a ticket on the XXXX XXXX website, the AMEX credit card is promoted promising a {$200.00} statement credit if customers apply for the AMEX card. The way this works is that customers need to apply for a credit card and they receive an instant card number which they can use to buy the XXXX ticket and get the statement credit. What happened ( my complaint ) I did not receive an instant card number not the statement credit. How Amex is trying to defend itself Amex is saying that " the instant card has limited availability and is not provided to everyone ''. This is something that is not mentioned or deceptively communicated when purchasing the ticket or applying for the new card. I needed to buy the ticket at short notice and I was also not at home. Amex is further contending that if I had waited for my card, I could have availed the credit. This is something not proven by me and point out another unscrupulous marketing tactic on AMEX 's part. The other thing that Amex says is that the instant card number is visible only for 180 seconds before customers can make a note of it. This scenario is not applicable to me since I never received the instant card.

AMERICAN EXPRESS COMPANY

NY

10027

Consent provided

Web

2020-11-21

Closed with explanation

Yes

2019-12-31

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

Currently my XXXX XXXX Credit Report reflects 22 charge offs, my XXXX credit report reflects 21 charge offs, and my Experian credit report reflects 21 charge offs. These accounts date back to the years XX/XX/XXXX-XX/XX/XXXXand once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX XXXX XXXX University in XX/XX/XXXX. You can verify this information by contacting XXXX XXXX XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XX/XX/XXXX-XX/XX/XXXXI will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions.

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

Experian Information Solutions Inc.

NJ

07002

Consent provided

Web

2019-12-31

Closed with explanation

Yes

2020-01-29

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

Credit reporting

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

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

In XX/XX/2019 I transferred a balance to XXXX to take advantage of a 0 % offer for 12 months on a balance transfer. I set up auto-pay on the XXXX website. I verified my first payment went through without an issue in XXXX. After receiving no letters, emails, calls, texts, or other notices from the company I received an email from Experian in XXXX telling me I had a 30 day late payment reported on an a credit card account. After reviewing accounts I realized I was unable to log in and review my XXXX account details and my auto pay details. I called XXXX to see what happened. They took no responsibility for the fact that the auto pay system failed, they also took no responsibility for not even telling me in any form or notice that I was late at all, however, they did agreed to credit me back the late fee, nonetheless that was a minuscule consolation considering the company was damaging my hard earned credit history. After several more communications with XXXX and numerous hours on the phone I realized they were not going to assist me with removing this 30 day notice because they claimed there was no bank error. But, in fact, there was a bank error and even worse zero communication from them about my auto pay not going through or that I was even late at all. It took over 30 days after that payment was due before I finally received a letter from them in late XXXX saying my account had been closed and I could no longer make payments online. I must say, I have worked with many financial companies and I rigorously keep track of my payments and credit score. The service and attention I have received as a customer from XXXX has been appalling and I hope that by filing this complaint XXXX tries harder and modernizes and corrects their auto pay system, establish safe guards and warnings to customers when payments are not received on time, and establish a clear protocol to assist customers in removing bank error late payments that show up on customers credit reports due to XXXX failure to communicate adequately or assist their customers. I have not had a late payment on any debt for over 8 years and it is very frustrating to work so diligently to establish an XXXX score only to have it dismantled by a poorly run financial company like XXXX, now my score is in the mid 600s. Please note I am still paying this card and do expect it to be fully paid by the end of the 0 % promotional period. I hope the CFPB can assist me with this matter so not only I, but other customers of XXXX do not get fleeced in this manner in the future. If I were preparing to buy a car or take out a home mortgage this could have had huge financial implications for me, so for now I am sidelined from making any significant purchase with credit like a car or home until this matter gets resolved.

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

Experian Information Solutions Inc.

CA

911XX

Consent provided

Web

2020-01-29

Closed with explanation

Yes

2022-06-23

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have a XXXX XXXX Overdraft Protection Line of Credit which I've had for years, but very rarely use for more than a few days. I check all my accounts monthly, including this one, to determine if I owe any money to any of my open accounts, and pay the bill accordingly. When I login to online banking, the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. To any normal person, there would be no further action to take - so I took no action. Fast forward to XX/XX/XXXX, I receive a cryptic email from XXXX XXXX @ XXXX XXXX requesting me to call her. There is no sense of urgency in her email. I called her and she explained that I had a past due balance of some {$4.00} and change. When I accessed my online banking, again it displayed the same information : the amount due is {$0.00}, Due Date is blank, Available credit is the full amount of my credit line, and Current Balance is {$0.00}. She said in order to see the past due balance I had to physically click on the Pay Now button and the website would then show the amount due. That's ridiculous by itself - since the website first said nothing was due. I indicated that I would pay the bill that day ( Tuesday ). When I attempted to pay the bill later that day ( I'm in CA now and XXXX XXXX is in MA, so there's a 3 hour time change - XXXX XXXX was already closed ) it would not let me, saying I have to transfer a minimum of {$10.00}. I didn't owe {$10.00} - XXXX owed {$4.00} and change, so I didn't have a way to pay it. There was no indication made to me that if I didn't pay the past due interest by that day I would receive negative credit reporting. That's exactly what happened. I was reported 30 days late to the bureaus because of a website error - the website was clearly communicating incorrect information. A consumer should not have to hunt and peck through the website to find how much is owed. If any amount is due, it should be displayed under the amount due column. I am attaching a screenshot of the website prior to making the payment that shows how information is being incorrectly displayed.

EQUIFAX, INC.

CA

920XX

Consent provided

Web

2022-06-23

Closed with explanation

Yes

2019-05-23

Debt collection

Federal student loan debt

Communication tactics

Frequent or repeated calls

My husband is the debtor but this company is contacting my former co-workers and asking for him or me. I am not responsible for his student loan debt. The people being contacted are unrelated to my husband and this is affecting my professional reputation.

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

Performant Financial Corporation

FL

33327

Consent provided

Web

2019-05-23

Closed with explanation

Yes

2021-06-23

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

We purchased a XXXX XXXX XXXX XXXX ( hair dryer ) from a company named XXXX on XX/XX/21 for {$410.00}. The product was paid for via XXXX using our Citi XXXX ( MasterCard ) credit card. After not receiving the product for a few weeks, we tried contacting XXXX to cancel the order. While still unable to contact them, we opened a dispute with Citi on XX/XX/21. Citi issued a temporary credit for the full amount while investigating the issue. While the dispute was still open, we were able to get in contact with XXXX ( via XXXX ) on XX/XX/21 who informed us that the product had been returned to them, at which point they subsequently shipped it back out to us. At that point, they told us to wait for the product to be delivered, return it ( at their expense ) and they would offer a full refund. At the same time, Citi was also able to contact XXXX and offered the same information / guidance. I had been given a ( new ) tracking number via XXXX XXXX and could see that the item was in transit so I was satisfied with the resolution and Citi reversed the temporary credit. Unfortunately, the product never arrived with only a few tracking updates via XXXX and has been held up in customs ( XXXX XXXX ). It also appears that XXXX has gone out of business as I have had no success contacting them. Upon contacting Citi, they have told me that the dispute is closed and there is nothing further they can do other than offer a complementary credit for a lesser amount, which I have not taken. Upon asking to speak with a Citi supervisor, they informed me that that their dispute department should NOT have had the original dispute closed until the issue was fully resolved, but that since it was, he reiterated that there is simply nothing they can do.

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

CITIBANK, N.A.

PA

194XX

Consent provided

Web

2021-06-23

Closed with explanation

Yes

2023-04-15

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

Credit reporting

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

Their investigation did not fix an error on your report

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

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

Experian Information Solutions Inc.

IL

60628

Consent provided

Web

2023-04-15

Closed with explanation

Yes

2020-04-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60615

Consent provided

Web

2020-04-29

Closed with explanation

Yes

2018-02-22

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

Earlier this year, XXXX XXXX of XXXX XXXX XXXX contacted me. I paid {$6500.00} for a tax and advisory services I was led to believe was necessary for my business. He talked about Tax preparation services, record keeping, forms and filing dates etc. and that this package of services would cost thousands less than a CPA. I have come to find out they are not who they say they are and I dont want to continue a business relationship with this company, they have lied and deceptive. I have also never received any of these services so therefore I feel I am entitled to a FULL REFUND. I have never spoke with anyone again nor have they done anything for me. I now realize that this is all a sham and I have become a victim of another fraudulent telemarketing sales call. The {$6500.00} I paid is not justified for these services. I have tried to cancel the service several times in writing with the merchant telling them I do not wish to continue these service nor do I want XXXX XXXX doing my taxes, but they said they wont and cant refund even though I have never even dealt with or have they done any tax services. I am requesting if you could please help me get my money back. Thank you in advance for your attention with this matter.

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

CITIBANK, N.A.

CT

062XX

Consent provided

Web

2018-02-22

Closed with explanation

Yes

2021-03-12

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

Credit reporting

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

Their investigation did not fix an error on your report

I disputed the 2 accounts listed on my credit report which were " verified '' by the credit bureaus. Both accounts are with capital one. Both accounts are reporting as charge off and reporting a past due balance/balance of the following : one account {$2000.00} and {$950.00} Letter of validation was sent to Capital one. Although they responded, they failed respond to the actual request for validation. They only verified the account listed. Per my request " Your failure to satisfy this request within the requirements stated in the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. A credit diclosure statment was requested to be filled out and returned. Failure to return would result in the following : Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action. Original request is attached as well as their response.

CAPITAL ONE FINANCIAL CORPORATION

MA

02760

Consent provided

Web

2021-03-12

Closed with explanation

Yes

2021-08-22

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

On XX/XX/2021, National Credit applied negative inaccurate account information to all three credit bureaus. Before submitting the negative information, NCA did not attempt to contact me regarding the alleged negative account. I contacted NCA regarding the inaccurate information submitted to the credit bureaus. I asked the representative about the alleged negative account. The only information I received from the representative was an inaccurate address from a different county and the alleged previous account ower was XXXX Mastercard. This is false information because I have not applied nor had an account with XXXX Mastercard. Also, I contacted XXXX Mastercard regarding the alleged account and the attempt by NCA to collect on an inaccurate debt. XXXX Mastercard representative validated that no account was found. On XXXX XXXX, I mailed a validation letter to NCA, response is pending. NCA reporting false information to the credit bureaus is a violation of the Fair Credit Reporting. Attempting to collect on a false debt is a criminal offense. During research regarding NCA, I found numerous complaints from consumers regarding inaccurate negative information applied to he/she credit bureaus by NCA. Also, in NCA settled with the Bureau of Consumer Financial Protection for unlawful collection practices. Applying a false negative account to a consumer 's credit bureaus which has cause an negative financial impact is unlawful. I am requesting this inaccurate information to be removed from all the credit bureaus and accurate account validation from NCA. I am not requesting a fake bill, which is not an acceptable form of account validation. I am requesting a contract with an signature and/or accurate information from XXXX Mastercard. I have attempted to resolve this issue with NCA and all three credit bureaus without resolution.

National Credit Adjusters, LLC

AL

35758

Consent provided

Web

2021-08-22

Closed with explanation

Yes

2022-11-23

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

Credit reporting

Incorrect information on your report

Account information incorrect

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CT

06606

Consent provided

Web

2022-11-23

Closed with explanation

Yes

2022-12-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

the attached documents shows that these accounts were charged with without my authorization

EQUIFAX, INC.

TX

77429

Consent provided

Web

2022-12-16

Closed with explanation

Yes

2019-02-14

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Don't agree with the fees charged

I graduated XX/XX/XXXX. In XXXX I put my student loan in forbearance or so I thought, I had a infant and was unemployed. When I went to pay on my loan in XXXX XXXX XXXX told me my loan was much larger then what I applied for. I asked for a payout details to my college. I was told that they could not send me anything but they would tell me what was paid to my school. I had no way to dispute what was applied for or what was paid. I told them the amount was too high but I was told interest made it balloon. I did not make any payments because I always disputed the amount but could not prove anything ( My loan paper work was lost in a fire in XXXX ). After 15 years I did get a XXXX job that required I not have unpaid debt so started to make small payments on my loan. I then asked XXXX XXXX for my statement of payouts to my college and I was told they don't have anything to show me they just own the loan. After making payments my loan was bought again by another company. XXXX owns my loan now and on there loan page it says both of my loans one for XXXX and the other for XXXX are now {$25000.00} & {$15000.00}. The alarming thing is I have two loans that were still being disbursed on XX/XX/XXXX but I graduated XX/XX/XXXX, I never went back or applied to go back to school. I told the rep I did not go to school in XXXX and I did not apply for loans after XX/XX/XXXX. The customer service rep at XXXX said if I graduated in XXXX unless I signed for those loans in XXXX then there is some kind of fraud and my amount needs to be reviewed. I need to know why in XXXX loan where being paid out to the XXXX XXXX XXXX XXXX. The school is closed now so I can not get answers from the financial office. The XXXX rep told me to reach out to this site and XXXX XXXX.

Company believes it acted appropriately as authorized by contract or law

Ascendium Education Group

MD

20904

Consent provided

Web

2019-02-14

Closed with explanation

Yes

2023-01-18

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Problem with customer service

I submitted PSLF paperwork in XX/XX/2022. It has been over 90 days now, and 2 of my submissions still have not been updated. I have called numerous times to get an update on my paperwork, but can not get through. I stay on hold for multiple hours, and never get through. I have yet to actually speak with a real person. You have to wait at least 4 minutes before even being put in a queue which I find very frustrating. It should not be this hard to get information. I did not have this problem from my previous lender. Feels like multiple hurdles are being put up to prevent borrowers ability to talk with a customer representative. I did not have a choice in who my loans went to, but this is not acceptable.

Company believes it acted appropriately as authorized by contract or law

MOHELA

OR

97477

Consent provided

Web

2023-01-18

Closed with explanation

Yes

2019-08-13

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX 's computer system committed an error and cancelled the already established automatic payment to this vehicle account ; triggering two late payments one year apart. ever since the inception of the loan XXXX has failed to establish the automatic payment appropriately, making it an unreliable method to assure consistent and accurate payment to my auto loan. after i spoke to XXXX 's representatives at XXXX i was told that XXXX for some reason expired the established payment method after every 12 months thus causing the damage. they said they would fix the reporting and that has not happened. most recently the month of XXXX has not elapsed and am already again being reported late even after the payments have been made on time. proof attached. consequently, my credit reflects two late payments caused by XXXX XXXX 's error to maintain a reliable and accurate automatic payment method.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33324

Consent provided

Web

2019-08-13

Closed with explanation

Yes

2022-01-27

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

Hello. For context I bank with Chase and my car loan is through XXXX XXXX XXXX. Back on XX/XX/XXXX of last year I had a car loan payment for {$540.00} charged to my account. That payment was never received by XXXX XXXX XXXX so it was considered as a missed payment. However, the that payment wasn't immediately returned to my account. It was stuck in limbo somewhere in the middle. I have since payed that so I'm up to date with XXXX XXXX late XXXX XXXX I was talking to multiple companies trying to get this figured out and eventually, after an exhausting process and weeks of waiting, it was resolved and the money was put back into my account Chase alerted my recently that they've completed their research into the claim and they deemed it as valid and yesterday the {$540.00} was taken back out of my account. So once again I'm down that amount without having credit for it as a loan payment. I do not understand how they deemed it valid if reality is the payment was never received by the intended recipient therfore how could it possibly be valid? I feel like they've just robbed me and walked away like nothing happened. It's completely ridiculous and confusing. I can't accept losing this much money because the incompetence of the Chase claim process. Please help me.

JPMORGAN CHASE & CO.

WA

98373

Consent provided

Web

2022-01-27

Closed with explanation

Yes

2022-06-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33162

Consent provided

Web

2022-06-20

Closed with non-monetary relief

Yes

2021-02-16

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

There is an account showing on my report from XXXX XXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! The account was NOT VERIFIED! I would like to have the item removed from my report.

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

Experian Information Solutions Inc.

CT

06610

Consent provided

Web

2021-02-16

Closed with explanation

Yes

2023-06-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business. 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities. FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft. 15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally. 15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS. 15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. 15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit. 15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check. 15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts. They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.

EQUIFAX, INC.

NJ

071XX

Consent provided

Web

2023-06-07

Closed with non-monetary relief

Yes

2023-04-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im complaining about an unauthorized inquiry that was established on my credit report on XX/XX/2022 from XXXX XXXX. Ive been trying to get this inquiry removed off my report for over year to no avail.I was finally informed by Equifax that my previous FTC report was inaccurate and that I had to file another one.I have no open account associated with the inquiry.

EQUIFAX, INC.

IL

601XX

Consent provided

Web

2023-04-15

Closed with explanation

Yes

2023-07-26

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 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

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

Experian Information Solutions Inc.

TX

777XX

Consent provided

Web

2023-07-26

Closed with explanation

Yes

2023-06-19

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

Credit reporting

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

Their investigation did not fix an error on your report

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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

Experian Information Solutions Inc.

FL

33406

Consent provided

Web

2023-06-19

Closed with non-monetary relief

Yes

2023-02-02

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

Credit reporting

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

Their investigation did not fix an error on your report

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX : {$2.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

710XX

Consent provided

Web

2023-02-02

Closed with non-monetary relief

Yes

2023-03-12

Checking or savings account

Checking account

Managing an account

Fee problem

Several months ago we received a letter from JP Morgan Chase Bank informing us that there was an issue with a trust that we have on file with the bank. The letter stated that our checking account would be frozen if the issue was not addressed in a timely manner. We brought the trust documents to our branch where we were assured that the matter would be resolved. Several weeks later we received the same letter. We brought our documents back to the branch and again we were given the same assurance. A few weeks later we received a third letter from Chase and went through the same procedure one more time. Finally Chase froze our checking account without prior notification or warning. Chase took this action because the names on the trust and on our bank accounts were not identical. The bank is entirely responsible for this error. The freeze caused automatic payments originating from our checking account to be withheld. We incurred a convenience fee of {$3.00} from XXXX XXXX XXXX XXXXXXXX and a {$25.00} dishonored payment fee from the XXXX XXXX XXXX XXXX XXXX Department. We requested that the bank reimburse us for these fees in addition to compensation for the aggravation and embarrassment we experienced as a result of their mistake. We subsequently received a phone call from the banks complaint department informing us of their receipt of our formal complaint. We were told Chase Bank is not liable for these errors and owes us nothing. As longtime customers of Chase, we are appalled at the treatment we received. We believe that we should be compensated for our expenses and the ordeal we experienced.

JPMORGAN CHASE & CO.

FL

33467

Older American

Consent provided

Web

2023-03-12

Closed with monetary relief

Yes

2019-10-16

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

I was approved for the southwest chase business credit card and received it on XX/XX/2019 and received a letter saying they closed it on XX/XX/2019 I called them and have the account to be reviewed but they discriminated and said they are closing my account because I dont speak proper English which I do than was told to many accounts which Was another lie felt like they were making stuff up as the conversation was progressing and I am a business owner would like this issue resolved because they cant get away with such behavior and discrimination thank you

JPMORGAN CHASE & CO.

CA

91504

Consent provided

Web

2019-10-16

Closed with explanation

Yes

2018-04-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

In XX/XX/XXXX XXXX XXXX reported to XXXX a debt that belongs to a corporation to my personal credit report. I opened a dispute with XXXX ( Report Number : XXXX ) claiming this debt is not my personal debt. The XXXX XXXX account is a corporate account that was never tied to my personal data and the debt ( which is in dispute ) should not be reported on my personal credit. Furthermore, my personal data ( SS # and/or DOB ) was not used when the XXXX XXXX account was opened in XX/XX/XXXX. I requested XXXX to request XXXX XXXX to provide proof ( in form of documents that clearly display my signature ) and if none provided by XXXX XXXX I requested XXXX to remove the debt from my personal report. There is no documentation linking me personally to a corporate debt and lack of such proof should be be used to remove this negative report from my personal credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

115XX

Consent provided

Web

2018-04-15

Closed with explanation

Yes

2019-09-16

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

On XX/XX/19 I received a debt collection notice= {$180.00} for medical services I did NOT receive because I was NEVER a patient at the hospital in question. I called the collection agency on XX/XX/19 & informed them I am not the patient. I also wrote to the hospital in question & have also written a letter to the collection agency disputing the debt.

Company believes complaint is the result of an isolated error

Phoenix Financial Services LLC

CT

06770

Older American

Consent provided

Web

2019-09-16

Closed with explanation

Yes

2018-09-09

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

Credit reporting

Incorrect information on your report

Account status incorrect

My account is showing 60 days past due but I have signed up for auto payments. I contacted the company to request to have removed from my report but I was told that they won't be able to. I need help as I have never missed any payments for any accounts I have and am always diligent and responsible with all open accounts and monies owed.

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

Concord Servicing Corporation

CA

94596

Consent provided

Web

2018-09-14

Closed with explanation

Yes

2019-04-23

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

On XX/XX/XXXX, I contacted XXXX ( cell phone carrier ) to close my account. I spoke to a manager who informed me that I needed to pay a balance of {$82.00}. I paid this amount using my XXXX credit card ( statement attached ). I was told my phone would be unlocked in a few days, which it wasn't. I phoned XXXX on XX/XX/XXXX to find out why my phone had not been unlocked ; they put through the request again and a day or so later my phone was unlocked. I activated a new cell phone account with XXXX XXXX XXXX ( email confirmation attached ). I kept getting emails from XXXX indicating a balanced owed. I phoned on XX/XX/XXXX ( 17 minutes ) to once again ask XXXX to cancel my account. I received another payment request, but each month they were adding charges to my bill. I phoned on XX/XX/XXXX ( 22 minutes ) and the representative assured me that my account would be closed and remove any remaining balance ( Ref. # XXXX ). I assumed by now the matter was finally resolved. Not so, because I continued to receive invoices. One XX/XX/XXXX, I called XXXX ( approx. 45 minutes ) ( Ref. # XXXX ). I do not have a printed record of this call because my billing cycle with XXXX XXXX ends on XX/XX/XXXX. XXXX admitted that the account should have been closed in XXXX. Once again, I was assured my account would be closed. Two days later I receive a letter from a collection agency, GC Services demanding payment of {$230.00}.

ORG GC GP Buyer, LLC

MI

48329

Consent provided

Web

2019-04-23

Closed with explanation

Yes

2022-09-27

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Im logging in to my credit monitoring an revealed I collection that I dont have no acknowledgment of an never had or open in my entire life

EQUIFAX, INC.

SC

29115

Consent provided

Web

2022-09-27

Closed with explanation

Yes

2018-01-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

EQUIFAX, INC.

FL

33312

Consent provided

Web

2018-01-25

Closed with explanation

Yes

2023-08-28

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

My credit report is showing late payments on XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX service representative.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

113XX

Consent provided

Web

2023-08-28

Closed with non-monetary relief

Yes

2021-08-01

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

Credit reporting

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

Was not notified of investigation status or results

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

EQUIFAX, INC.

SC

29341

Consent provided

Web

2021-08-01

Closed with explanation

Yes

2023-05-30

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'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

Experian Information Solutions Inc.

NY

11231

Consent provided

Web

2023-05-30

Closed with explanation

Yes

2022-01-05

Checking or savings account

Checking account

Managing an account

Banking errors

I have 2 issues using USAA banking services. 1st issue is that my checking account deposits are not being credited in a timely manner and my account has been put of a fraud alert. because I sold a truck to " XXXX '' and their check got returned and then they wired the funds the next business day and corrected the situation. NOW Usaa is putting my account on " fraud alert and I have now been on hold for almost 3 hours, with a representative trying to resolve this mistake. '' My time is valuable and its not being treated like such. 2nd issues is USAA had a credit card rate offer of 6.9 % and my credit is excellent yet because USAA is using an outdated XXXX SCORE of XXXX, XXXX it shows a low XXXX score so they gave me an interest rate of 12.9 % AND I monitor my scores on XXXX site and istead of using my XXXX score of XXXX, they are using an outdated score of XXXX? this is not a good use of a range of interest 6 % higher by using an outdated XXXX score... how is this legal?

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

PA

190XX

Servicemember

Consent provided

Web

2022-01-05

Closed with explanation

Yes

2018-03-17

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

This complaint to CFPB is about wrong doing in customers service of XXXX XXXX. My son XXXX XXXX and his wife XXXX XXXX are XXXX XXXX customers for many years. For same period of time I have XXXX in their account. Special complaint about bad customers service in XXXX XXXX was mailed to HSBC XXXX XXXX in XXXX in XX/XX/XXXX. As it became known the letter was remailed for response to XXXX XXXX. So far XXXX XXXX response is absent. The facts of XXXX XXXX wrong doing violating customers financial rights are following : 1. From XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is not clear who are main managers in this bank. 2. It was requested three months of phone, chat, emails communications to get new debit card in exchange of one which was announced by bank as invalid. Such outrageous procedure is a good illustration to bank fraudulent and humiliate policy. The person XXXX who is named as XXXX XXXX President and CEO didnt response on my letter about debit card problem. 3. Look at XXXX XXXX XXXX XXXX ) On this website there are only phone contacts when bank agents are factually irresponsible for the information given by them and try to record only what is said by customer. There are no any written forms of contact fax or email which can make bank agent be responsible for all information given to customer. Only way of contact is postal mail to XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX, NY XXXX. The headquarter address XXXX XXXX XXXX, NY, NY XXXX is not published. b ) Bank agent in chat has very limited rights to really help to customers. Copies of chats were applied to letter to XXXX. c ) Phone of headquarter XXXX is fraud. Real phone XXXX is XXXX. But by this phone it is impossible to reach anybody. You can check yourself. d ) Customer Feedback is fraud and really cant be provided. You can check yourself that there is no any opportunity to send feedback. 4. Only opportunity to contact with bank agent by email is to open account ( so any other person who is interesting to become bank customer has no any opportunity to contact the bank in written form without ugly mailing ). They name it Bankmail. But to get such opportunity it should look at account website on really invisible micro envelope picture and click on it. After clicking you will see View all messages. That is fraud. Customer can see texts of messages sent by HSBC agents. The messages you printed and sent to bank it is impossible to see. That is another fact of irresponsible XXXX XXXX service policy. Only for XX/XX/XXXX I received from bank agent 7 messages as responses on my 7 emailed requests and questions about renew of debit card. That is example of last bank response on XX/XX/XXXX : XXXX : Possible Account Error ( XXXX } Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX, XXXX. We are sorry to hear that you have received service that has been less than satisfactory. Your comments was previously forwarded to our Management Team for further review and future enhancements to the level of customer service we provide. With regard to your replacement Debit MasterCard, we notice that some information has to be verified. As such, you may contact our XXXX XXXX Department XXXX between Monday - Friday XXXX XXXX - XXXX XXXX XXXX. The option to view the BankMail which are sent by you is unavailable. You may only view the BankMail response which you have received. We apologize for the inconvenience and delay caused by this matter. Thank you, HSBC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. All Rights Reserved. There is no any reaction from Management Team which is factually not exist. XXXX As an example of service with respect to legal rights of bank customer as me is XXXX XXXX. Look at https : XXXX. Text of this website is applied to letter to XXXX. In conclusion to letter to XXXX it was stated : Conclusion : Considering XXXX XXXX actions with such customer as me and my son shown above as actions of gang of scams, I request : 1. To replace current main managers of XXXX XXXX on more responsible persons who know what kind of respectful service should be provided to XXXX XXXX customers with great amount of attention to service experience provided by XXXX XXXX about feedback, complaints, email addresses and fax XXXX for written contacts with real and potential customers. 2. Immediately to order to XXXX XXXX to deliver to me by my address in XXXX, NY, mentioned above, not by mail but by bank messenger, new debit card and manual of XXXX XXXX policy which should be exampled from XXXX XXXX manual. ( The card was finally delivered to my son after great efforts described above ). 3. Immediately to order to XXXX XXXX to provide in contact with customer through account website ( Bankmail ) the texts of messages sent to bank by customer.

HSBC NORTH AMERICA HOLDINGS INC.

NY

112XX

Consent provided

Web

2018-03-17

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 88 times in the last 120 days. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND XXXX AND TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of thisinformation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

63385

Consent provided

Web

2023-01-06

Closed with non-monetary relief

Yes

2017-08-10

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

Credit reporting

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

Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

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

Experian Information Solutions Inc.

CA

91364

Consent provided

Web

2017-08-10

Closed with non-monetary relief

Yes

2021-07-11

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

Credit reporting

Incorrect information on your report

Account status incorrect

I've been trying for several months to get the following information corrected that is inaccurate : Account opened XX/XX/XXXX & closed XX/XX/XXXX, shows XXXXwo late payments that fall under the Cares Act and shouldn't be reporting late. This account is also reporting as being included in a bankruptcy when it wasn't. Account opened XX/XX/XXXX, is showing a balance and open when it has been paid off in full since XX/XX/XXXX. The local store won't work with me and continues to tell me there is nothing they can do. The Credit Bureaus keep reporting the disputed inaccuracies as verified, when the information is clearly not accurate. I'm at the point of launching a lawsuit.

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

Experian Information Solutions Inc.

WI

53144

Servicemember

Consent provided

Web

2021-07-11

Closed with non-monetary relief

Yes

2018-03-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.

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

WELLS FARGO & COMPANY

IA

50023

Consent provided

Web

2018-03-27

Closed with explanation

Yes

2023-09-27

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I demand immediate and unwavering attention to my identity theft disputes. The languid pace at which your bureau has operated is nothing short of negligence, and it has amplified my suffering. It is high time you realize the real-world consequences of your inaction. PLEASE DELETE THIS ACCOUNT : XXXX XXXX XXXXXXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11204

Consent provided

Web

2023-09-27

Closed with non-monetary relief

Yes

2021-06-20

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

I am filing this complaint pursuant to the Fair Credit Reporting Act the Fair Debt Collection Practices Act. Stern Recovery Services has placed a derogatory collection account on my credit report that I have no knowledge of. The alleged debt that they are attempting to collect on is in the amount of {$540.00}. The original creditor is XXXX XXXX. I have no knowledge of this account and was never notified of my right to dispute and didn't even know I could dispute this matter based on the above mentioned Federal laws and my rights as a consumer

Stern Recovery Services, Inc.

NC

28270

Consent provided

Web

2021-07-13

Closed with explanation

Yes

2023-09-19

Credit 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 forced to purchase tickets I could not use to go to XXXX XXXX. I complained to my credit card company about the charge. XXXX XXXX lied to Bank of America and said I used the ticket but they actually issued me another ticket to use in XXXX, instead of giving me a refund. They are holding onto my money. I would have to buy new plane tickets, and get a new hotel room, to be able to use these tickets. I want a refund not complimentary tickets to use in XXXX. Bank of America thinks its ok for me to not get a refund. Then they called me and said they will take care of my complaint and they gave me a number to call and a person to talk to. That person does not return phone calls or answer the phone. The number goes straight to voicemail. Her name is XXXX she works at Bank of America her number is XXXX ext XXXX. The transaction date is XX/XX/XXXX the posting date is XX/XX/XXXX the reference number is XXXX. The amount is for XXXX This is the new ticket they gave me after I flew back to XXXX from Florida in XX/XX/XXXX. Dates Valid XX/XX/XXXX thru XX/XX/XXXX Order Number Order Date XXXX XX/XX/XXXX XXXX Contact Person Guest Contact Details Guest XXXX XXXX Product Guest Name XXXX XXXX Ticket Guest XXXX XXXX XXXX Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MA

02072

Servicemember

Consent provided

Web

2023-09-19

Closed with monetary relief

Yes

2021-12-10

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

Credit reporting

Incorrect information on your report

Account information incorrect

Navy Federal Credit Union willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via Navy Federal Credit UnionXXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. NFCU is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, NFCU failed to fully disclose the consumer transaction. This is an advisory of NFCU 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

MD

20774

Consent provided

Web

2021-12-10

Closed with explanation

Yes

2021-03-16

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/21 I mailed Experian a dispute letter disputing an account being reported to them by XXXX XXXX account # XXXX. I notified Experian that the company is reporting inaccurate unverifiable information. Before submitting a letter to Experian I requested verification/ validation from XXXX XXXX myself. The documents the company sent me to verify the debt that I have no knowledge of stated information that was totally different than what they were reporting to Experian. The address, and amount owed was incorrect. In my dispute letter to Experian I advised them that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Experian has yet to respond to my dispute I have tried to contact them by phone and letter. Documentation attached to complaint.

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

Experian Information Solutions Inc.

GA

313XX

Consent provided

Web

2021-03-16

Closed with non-monetary relief

Yes

2023-02-22

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 submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 88 times in the last 120 days. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND XXXX AND TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of thisinformation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60612

Consent provided

Web

2023-02-22

Closed with non-monetary relief

Yes

2021-04-10

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

Credit reporting

Incorrect information on your report

Account status incorrect

theres several issues with carmax reporting on my defective ford fusion loaned upside down XXXX kbb according to three banks- XXXX , XXXX , and one other. I asked XXXX in person, XXXX XXXX location. XXXX XXXX service center refused to fix my car 3x. carmax left me no choice but for them to repo it in 16 ( SIXTEEN ) - not 19 ( NINETEEN ), as its being reported. no company complies with the law, lemon lawyers unable to aide me. I did ask. Continues thru experian to extort and reage debts, now beyond statute- will not update reports released to lenders, etc of which I do business with. REPORTING INACCURACE SLANDEROUS INFORMATION THAT I AM A SERIOUS DELINQUENT and NOT CREDIT WORTHY. This has affected new accounts.

CarMax, Inc.

TN

385XX

Servicemember

Consent provided

Web

2021-04-10

Closed with explanation

Yes

2021-10-14

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

Credit reporting

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

Their investigation did not fix an error on your report

In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.

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

Experian Information Solutions Inc.

TX

77346

Servicemember

Consent provided

Web

2021-10-14

Closed with non-monetary relief

Yes

2023-08-14

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

Credit reporting

Incorrect information on your report

Personal information incorrect

5th Attempt pls correct my address THIS IS THE ONLY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX Texas XXXX Please delete all other addresses I have sent certified letters 4 times and made a complaint with XXXX

EQUIFAX, INC.

TX

77338

Consent provided

Web

2023-08-14

Closed with explanation

Yes

2022-04-19

Student loan

Federal student loan servicing

Improper use of your report

Reporting company used your report improperly

I was looking at my consumer report and noticed several student loans listed on my account. I am writing this letter in reference to these loans and would like to settle this matter with your company. I would like for Nelnet to send me a statement of the amount owing as of XXXX XXXX, 2022, and I am conditionally agreeing to pay if you can provide me with the original instrument of indebtedness in its original form. I do not want Nelnet to send me a computer-generated letter, or a copy of a promissory note, I only want the original instrument of indebtedness with my wet signature on it. In addition, I would like Nelnet to know that only the holder of the note has the right to collect on the original instrument as such. Please provide proof that my account was not sold and used for profit as it pertains to securitization. Lastly, I would like to request my written permissible purpose letter that I sent your company that stated I gave your company the right to furnish this information on my consumer report. According to federal law, Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Never did I once grant your company permission to furnish such information on my consumer report nor did I consent for you to sell my personal information to outside third parties. I am giving your company thirty ( 30 ) days to settle this matter, please use this time wisely.

Nelnet, Inc.

GA

30319

Consent provided

Web

2022-04-19

Closed with explanation

Yes

2021-01-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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

Experian Information Solutions Inc.

FL

33461

Consent provided

Web

2021-01-05

Closed with explanation

Yes

2017-07-12

Checking or savings account

Checking account

Opening an account

Unable to open an account

My XXXX XXXX XXXX is trying to open an account with Wells Fargo. When he presented his social security number, they were unable to give him online access to the account because his social security number is already in use with a customer of Wells Fargo in California. This is crazy, and cements to me that son 's credit identity has been stolen and is being used. Because he is minor, I have been unable to pull his credit report from XXXX of the XXXX major crediting agencies. And how is a XXXX in California using my UNDERAGE SON 'S CREDIT INFORMATION WITHOUT MY PARENTAL AUTHORIZATION?

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

WELLS FARGO & COMPANY

SC

29651

Consent provided

Web

2017-07-12

Closed with explanation

Yes

2023-08-11

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

Credit reporting

Incorrect information on your report

Account information incorrect

Experian is reporting inaccurate information on an account and inquiry that I never made. The following account does not belong to me : XXXX XXXX

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

Experian Information Solutions Inc.

NY

10009

Consent provided

Web

2023-08-11

Closed with explanation

Yes