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aciborowska

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customers-complaints-train

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2018-08-08

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

After I got a new phone number I started getting calls about some past due account. I looked up the phone number and it was for Navy Federal Credit Union. I called them and told them I've never had an account with them and they confirmed it but they continuously call my phone number about it. When I answered today someone hung up on me. When I called back the lady said she couldn't find any record of me in the system but gave me the run around and wouldn't connect me to someone from the debt collections department. She pretty much told me she's sorry but she can't help me.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

FL

32303

Consent provided

Web

2018-08-08

Closed with explanation

Yes

2023-03-22

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

Credit reporting

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

Their investigation did not fix an error on your report

The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : exercising my consumer right to opt-out of having my transaction history or balance history information recorded on my credit report I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681b- Permissible purposes of consumer reports. My transactions and my experiences are not supposed to be reported 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.

MA

01108

Consent provided

Web

2023-03-22

Closed with explanation

Yes

2022-06-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commissions Identity Theft Affidavit.

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

Experian Information Solutions Inc.

PA

19152

Consent provided

Web

2022-06-26

Closed with non-monetary relief

Yes

2019-01-25

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

I spoke with XXXX XXXX customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10473

Consent provided

Web

2019-01-25

Closed with explanation

Yes

2022-08-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I have attached a highlighted image of a XXXX XXXX account that is reporting inaccuracies to all three of my credit bureaus. Almost everything is different on all three bureaus. Everything reported in my name to the credit bureaus should be 100 % accurate and it is not and needs to be deleted ASAP.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33032

Consent provided

Web

2022-08-01

Closed with non-monetary relief

Yes

2023-08-03

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

Credit reporting

Incorrect information on your report

Personal information incorrect

By the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and Experian are consumer reporting agencies, and I am the consumer. As a consumer, I possess the right to safeguard my private information, supported by 15 USC 6801, emphasizing that financial institutions are obligated to protect customers ' nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report if instructed in writing by the respective consumer. I have not given XXXX, Experian, or XXXX XXXX ( financial institution ) written consent for furnishing information to the credit agencies. Therefore, any consent given in the past, be it verbal, non-verbal, written, implied, or otherwise, is now revoked permanently. Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to a nondisclosure option. However, the institution furnishing information to the credit agencies never told me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency can include adverse information in a consumer report without proper authorization. This XXXX XXXX account ending XXXX on the XXXX report with late payments and history ending XXXX with negative news on XXXX XXXX Report being reported as an adverse action, and it is being said without my consent, which is a violation of the law. Moreover, 15 USC 1681s2 ( A ) ( 1 ) A makes it clear that no information should be furnished to a consumer reporting agency if it is known to be inaccurate. XXXX and Experian are failing to maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to authorized purposes, as required by 15 USC 1681e. I have over nine hard inquiries from a list of companies, and 8 of them I've NEVER done business with. Lastly, by 12 CFR 1016.7, I retain the right to opt out of your reporting services anytime. Therefore, I am opting out of your reporting services immediately. I opted out a few years ago, and still, my information has been shared. I've used preemptive measures such as Identify theft programs for over two years to prevent inquiries, and I have been violated. In summary, I expect XXXX, Experian, and XXXX XXXX, as consumer reporting agencies, to adhere to the legal requirements outlined in the FCRA and other relevant regulations, ensuring that my private information is handled with fairness, accuracy, and respect for my privacy rights. As a consumer, I am asserting my rights and requesting that my data not be disclosed without proper authorization. Preferred Result Immediate deletion of the following from my credit report as is necessary to rectify the violations : UNAUTHORIZED INQUIRIES XXXX XXXX XXXXNever applied for a loan XXXX XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX CA 92612-LAST ITEM I APPLIED FOR CREDIT WAS FOR MY TRUCK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ONLY COMPANY I RELEASED MY INFORMATION TO WAS XXXX REQUESTED ON XX/XX/XXXX. ADDRESS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADVERSE INFORMATION XXXX XXXX Unauthorized reporting of transaction for {$570.00} reported on XX/XX/XXXX. XXXX XXXX Credit Card Unauthorized reporting of transaction for {$1200.00} reported on XX/XX/XXXX. XXXX XXXX XXXX XXXX Unauthorized transaction reporting for {$38000.00} reported on XX/XX/XXXX and for late payments. And {$1000.00} per violation of the FCRA. Genuinely and in good faith, XXXX XXXX XXXX

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

Experian Information Solutions Inc.

GA

30080

Consent provided

Web

2023-08-03

Closed with explanation

Yes

2019-04-17

Student loan

Federal student loan servicing

Struggling to repay your loan

Can't get other flexible options for repaying your loan

NAVIENT is intentionally delaying the approval of income-based payment plan application forcing me to repeatedly ask for administrative forbearance. After submitting my application electronically in XX/XX/2019 I was asked to provide proof of income which I did in XXXX. Then I was told it was missing a date which I included and resubmitted. After this was called several times to check on the status and I was told to just wait and that the proof of income I provided was sufficient. When I called today, XX/XX/2019 -- only four days away from the due date of an over {$600.00} payment ( which I can NOT pay ), they told me that I have to submit a signed letter stating my gross monthly income. The proof of income I previously submitted already has that information yet they ask for a letter and offer to push to payment due date or put me in forbearance for a third or fourth time. Even if I send in this letter, the processing time is 17 days which means it would be far beyond the payment due date by the time it is processed even if it is accepted. They did not ask me for a letter the previous two times and waited until I had no time left to force my hand into forbearance or a missed payment. I asked them where I can file a complaint but said there is no phone number for such a service. I also look online but no such page exists on their site.

Navient Solutions, LLC.

DC

200XX

Consent provided

Web

2019-04-17

Closed with explanation

Yes

2023-01-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

EQUIFAX, INC.

TN

38118

Consent provided

Web

2023-01-30

Closed with explanation

Yes

2021-12-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( 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

90301

Consent provided

Web

2021-12-28

Closed with explanation

Yes

2018-10-04

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

Credit reporting

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

Their investigation did not fix an error on your report

Review of recent credit reporting ( XXXX Report # XXXX ) indicates Ditech has reported my account delinquent XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 60 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 120 days delinquent ), XX/XX/XXXX ( 150 days delinquent ), and XX/XX/XXXX ( 180 days delinquent ). However, the loan was on an Active/Performing Unemployment Forbearance Plan. The Unemployment Forbearance was submitted XX/XX/XXXX and approved XX/XX/XXXX effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. Ditech erroneously cancelled the Unemployment Forbearance Plan on XX/XX/XXXX due to the automated process of a Loan Modification Solicitation being mailed. A complaint was filed on XX/XX/XXXX and Ditech remediated the error and obtained approval from the Investor XXXX XXXX for an extension of the existing Unemployment Forbearance. Correspondence was received from Ditech ( XXXX XXXX ) dated XX/XX/XXXX indicating the Unemployment Forbearance Extension was approved effective XX/XX/XXXX through XX/XX/XXXX in the amount of {$390.00}. The loan was under Error Resolution review XX/XX/XXXX through XX/XX/XXXX. Unemployment Forbearance payments were Paid as Agreed, as stipulated XX/XX/XXXX through XX/XX/XXXX. The credit reporting account status should have been reported as Active Forbearance -Paying as Agreed XX/XX/XXXX through XX/XX/XXXX. According to 12 CFR Part 1024.35 ( b ) and ( i ) Regulation X of the Error Resolution Procedures the Mortgage Servicer ( Ditech ), after receipt of a notice of error, a servicer may not, for 60 days, furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the notice of error. Therefore, the loan should not have been reported as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as the loan was under review for the complaint filed XX/XX/XXXX. The loan was also brought current XX/XX/XXXX in the amount of {$7.00}, XXXX and should have been reported as current for XX/XX/XXXX. In addition, the Investors ( XXXX XXXX ) Credit Bureaus Requirements ( C0-4.1 ) also require the Servicer ( Ditech ) to provide a complete and accurate full- file status report for all mortgage loans to each of the four major credit bureaus describing the exact status of each mortgage loan as of the last day of each month ( delinquent mortgage loans including 30, 60, 90+ day delinquencies, forbearances, modifications and liquidated mortgages ). ALL credit reporting bureau information ( XXXX, XXXX, and XXXX ) is required to be updated accordingly.

Company believes it acted appropriately as authorized by contract or law

Ditech Financial LLC

TX

75104

Consent provided

Web

2018-10-04

Closed with explanation

Yes

2022-01-19

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

Credit reporting

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

Was not notified of investigation status or results

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32763

Consent provided

Web

2022-01-19

Closed with non-monetary relief

Yes

2018-06-27

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

Filed a 609 letter with the 3 credit reporting bureaus regarding the validation of an account with Avant. Avant failed to validate an account that is negatively reporting on my credit report. Avant is inaccurately reporting late payments on my report. The company stopped reporting since XX/XX/XXXX, suddenly on XX/XX/XXXX they back dated account with late payments to XX/XX/XXXX, thus dropping my score 35 points ... Avant is in violation of the fair credit reporting act 15 U.S.C.ss1681 regarding ACCURATE credit reporting!

Avant Credit Corporation

IL

60435

Consent provided

Web

2018-07-03

Closed with explanation

Yes

2022-09-01

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

I received a call from AllianceOne, on Tuesday XX/XX/2022 at XXXX am XXXX time, they told me I was in collections with XXXX XXXX XXXX, XXXX which is my XXXX XXXX XXXX. I had not received any notice in the mail and I wasn't sure who this AllianceOne is. I have XXXX XXXX and this was causing me XXXX. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} XXXX told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called XXXX XXXX card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.

Alliance One, Inc.

AZ

85711

Consent provided

Web

2022-09-01

Closed with non-monetary relief

Yes

2021-06-06

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

Attn : Consumer Finanncial Protection Bureau My name is XXXX XXXX and I am XXXX years old. I currently work as a XXXX XXXX in XXXX XXXX, Florida. Due to the XXXX XXXX, my hours were brought to zero, as the office was unable to operate. As I do collect social security, it has been my manstay of income during this crisis. I was forced to give up my previous living quarters, and now live with a friend in a mobile home. They have allowed me to reside there for free during my fiinancial crisis. I have always made a effort to pay all of my bills and even during this time am trying to make the payments. ' Upon review I have a credit card debt with Capital One, and am still making monthly miniimal payments. ' I spoke with them by phone, explained my current situation and they odffered no assistance. Their professional attitude was disgusting. I owe a total debt to Capital One of {$2500.00} dollars, an every month pay them $ XXXX on time. Theycharge a rate of 27 % or {$50.00} interest after my {$100.00} payment every month. I absolutely begged them to establish a rational manner of getting thhe debt paid off. I am in a terrible financial dilemma, and Capital One should be investigated for the manner they are addressing the needs of individual like myself duriing this awful time in the world. The conduct of Capital One needs to be addressed by an organziation like yours, as there are using XXXX to financially destroy all who deal with them, and this is not right. I ask for any assisttance you can offer as this is not a professional manner of treating me or others during a horrible time in the word. Sincerely, Ms. XXXX XXXX XXXX XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

FL

XXXXX

Older American

Consent provided

Web

2021-06-06

Closed with monetary relief

Yes

2022-04-19

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have a student loan account that is currently in Forbearance,. There are 6 accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all XXXX Agencies ( XXXX, Transunion, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21044

Consent provided

Web

2022-04-19

Closed with non-monetary relief

Yes

2019-11-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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

Experian Information Solutions Inc.

LA

705XX

Consent provided

Web

2019-11-05

Closed with explanation

Yes

2023-02-13

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

Credit reporting

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

Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

EQUIFAX, INC.

PA

19143

Consent provided

Web

2023-02-13

Closed with explanation

Yes

2023-02-07

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

XXXX XX/XX/2022 Certified letter sent to Capital One. I am writing you to dispute the fraudulent charge of {$1100.00} to my credit card account on XXXX XXXX 2022. This charge is in error because it is fraudulent. I did not make this charge to my card. I notified you of this XXXX XX/XX/2022 as soon I saw the fraudulent charge. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I understand that Federal Law limits my responsibility for unauthorized charges to {$50.00}. Your literature states that I have {$0.00} Fraud liability and that I wont be held responsible for fraudulent charges. I reported the fraudulent charge on XXXX XX/XX/2022 at XXXX hours. Less than 12 hours later I was informed that the charge was being upheld because the chip was used. I contacted your Customer Service to get clarification. Your agent stated that because the chip in the card was used, it could not be a fraudulent charge. A quick internet search debunks this claim. I made several more calls to your customer service on XXXX XX/XX/2022 between the hours of XXXX and XXXX. You note in your disclosure, before the agent comes on the line, that all of these calls are recorded. I was disconnected multiple times. One can only hope this was accidental. You did not investigate the charge any further. This was demonstrated when you directed me to contact the agent submitting the charge, SUMUP. The phone number you provided was incorrect. It contacted the U.S. company by that name, however, the agent involved is in XXXX. When I called again, I was directed to call the merchant listed. I had already attempted to contact them with the number listed on my statement. That number is not a phone number at all. No variation of adding the country code or city code for an international call transforms this into a working phone number. Next, I was directed to call the merchant listed as XXXX XXXX XXXX XXXX XXXX. I had already researched this information. I reported my findings to your agent. I explained to your agent that XXXX XXXX XXXX XXXX XXXX is not a merchant. Bail is the french word for rent. XXXX XXXX XXXX is an abbreviation for XXXX, a suburb of XXXX with the zip XXXX XXXX. I have never been to XXXX XXXX I was a tourist in XXXX from XXXX XX/XX/2022 through XXXX XXXX 2022. I stayed in the XXXX XXXX. You can see this charge on my account. I did not rent an apartment. Thank you for your attention to correct this billing error.

CAPITAL ONE FINANCIAL CORPORATION

CO

815XX

Servicemember

Consent provided

Web

2023-02-07

Closed with monetary relief

Yes

2022-08-28

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 checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted Ally Financial who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the Ally Financial inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,

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

ALLY FINANCIAL INC.

VA

233XX

Consent provided

Web

2022-08-28

Closed with explanation

Yes

2019-07-30

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

Other personal consumer report

Improper use of your report

Reporting company used your report improperly

Equifax refuses to take my credit file out of their Office of Consumer Affairs. I have made several requests and sent the documents they requested. XXXX, XXXX XXXX form sent a letters for the last two years requesting this removals. As of yet, it has not been removed and I run into many issues when purchasing a new home and trying to find somewhere to live. This has become a major barrier in my life. I feel as though I am being discriminated and targeted.

EQUIFAX, INC.

SC

295XX

Servicemember

Consent provided

Web

2019-07-30

Closed with non-monetary relief

Yes

2023-07-20

Checking or savings account

Checking account

Opening an account

Unable to open an account

Tied to open an account. Was advised that they were unable to verify my identity. When asked for specific answers and pote rial resolutions, they now state that they reserve the right to refuse account opening to anyone. Contact XXXX at the executive office,

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

SANTANDER HOLDINGS USA, INC.

FL

XXXXX

Consent provided

Web

2023-07-20

Closed with explanation

Yes

2018-05-07

Debt collection

Other debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX XXXX, is reporting information on my credit report that is well over the statue of limitations for collecting a debt. The company that I obtained this debt with is XXXX whom which was well over 7 years ago. This account was sold to convergent inXX/XX/XXXX. When I call this company to obtain validation of this debt, and inform them that they are illegally reported to my credit, I am left on hold and then ultimately hung up on. I have also done my own research on this collection agency and over 90 % of customer complaints have been reported as the same issue. Thank you, XXXX XXXX XXXX XXXX p.s. last credit report date was XX/XX/XXXX and before then XX/XX/XXXX account with XXXX was inXX/XX/XXXX.

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

Convergent Resources, Inc.

GA

30114

Consent provided

Web

2018-05-07

Closed with explanation

Yes

2021-01-06

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

Credit reporting

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

Problem with personal statement of dispute

On XX/XX/2020 I had an account at XXXX XXXX services for a vehicle lease and the lease was paid off and XXXX closed the account. Transunion dropped my credit score from a XXXX to a XXXX ( 70 points ) for no reason. I contacted XXXX and they never reported a late payment or anything and account was closed in good standing and only change on credit report was the closing of this account. Disputed and Transunion did not change score. Currently at XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

08053

Consent provided

Web

2021-01-06

Closed with explanation

Yes

2023-02-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX : {$390.00}

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

Experian Information Solutions Inc.

IL

60901

Consent provided

Web

2023-02-01

Closed with explanation

Yes

2023-07-26

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

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

In XXXX, I purchased a dishwasher online from Lowe 's, The company was running a promotion for their credit card and offered a {$100.00} discount if a major purchase was made using their card, I applied for the card and was accepted and used this card for my purchase. The dishwasher was delivered and installed in our home. We paid for the dishwasher and installation by debit card from our bank for the full amount. A month later we started being billed for another dishwasher,. I contacted the credit card company which is run by Synchrony Bank. I filled a fraud report and they found in our favor and issued a charge back. This was sent back to Lowe 's and they turned it down and continued charging us. I have spent the last year arguing with clerks at the company and made no progress. They have no proof of this additional purchase. They claim I picked up the dishwasher at the store. I am XXXX XXXX XXXX and it is ridiculous to even think that I did this.. My wife and I are not thieves or con-men. They say now we owe over {$1000.00}. Any help you can give us would be greatly appreciated.

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

SYNCHRONY FINANCIAL

GA

30012

Older American, Servicemember

Consent provided

Web

2023-08-09

Closed with monetary relief

Yes

2021-12-08

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

Credit reporting

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

Their investigation did not fix an error on your report

Hi, This matter is with Bank of America. I had a line of credit with them and each month I make a {$100.00} payment. In XXXX I made monthly payments as usual. Then I received a late notice ( I can not remember the exact date, but it was the later half of the year ). I called BofA and found out my payments were going to an Unapplied Account, but they do see the payments and said they will move the funds over to my account. At that time, I did tell them that this had happened to me a few years back also ... my payments were being applied elsewhere, and then I would get a late notice, I had to call to get them to reapply it to my account... Then, a few months later in XXXX, it happened again, this time when I called, the Rep said the same thing again, that they see the payment but it's in the unapplied funds account. The difference this time was she told me that the loan had matured and I had to pay it off. So I said ok, and I paid it off. Fast forward to XXXX, I'm in the process of refinancing my home, and that was when I found out that BofA reported me 4-5 months paying late. I tried calling BofA multiple times. First time they said their reporting is accurate, I tried disputing it but got no response. Third try got no response either. But the Rep told me she will send me the payment history on file and I can file a report with the Credit Bureaus. When I got that statement I sent it to my lender. He told me the statement was hard and confusing to read, which I do agree. But that goes to show that BofA was messy applying my payments. So I printed out my payment history from my bank also, which clearly shows I made my payments each month, and made a payoff amount of {$4000.00} in XXXX. So my lender suggested I also file a dispute with the 3 credit bureaus. He wrote the cover letter for me and told me to mail it with my payment history. So I Certified Mail them on XX/XX/XXXX. I received the Dispute Result letter yesterday XX/XX/XXXX. The results says the " Outcome Remains '' I feel that XXXX also failed me. I sent in my payment history as proof that I was never late, and they didn't even take that into consideration. I would like to file this complaint on both Bank of America and XXXX. Bank of America for reporting inaccurate information and not correcting the issue, and XXXX for not doing their due diligence on my behalf. I can send you the payment history statement that BofA sent me and also my payment history that I printed out from my bank for you to review. Thank you for your time and I hope you can resolve this issue for me.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

92843

Consent provided

Web

2021-12-08

Closed with non-monetary relief

Yes

2021-05-22

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

I opened a credit card account with XXXX XXXX in XX/XX/XXXX. It is reported on my credit as discharged in a bankruptcy that was filed in XXXX. The bankruptcy was discharged in XX/XX/XXXX. Therefore there is no way the credit card could have been issued, run a balance, charged-off within one month, and be included in a bankruptcy that occurred a year prior. Additionally, I have paid this account in full and it shows on my credit report as a charge off and derogatory. They have also reported differently to each credit reporting agency.

EQUIFAX, INC.

GA

30291

Consent provided

Web

2021-05-22

Closed with explanation

Yes

2016-09-06

Debt collection

Credit card

Disclosure verification of debt

Not given enough info to verify debt

I am writing this missive to complain about unfair collection practices of a law firm, Andreu, Palma, Lavin, Solis. Apparently they represent a collection agency. They sent me a letter XX/XX/2016 informing me of their representation of a debt collector. I IMMEDIATELY wrote a letter attempting to understand who they were and who they were representing as well as any facts germane to this collection. I never received a reply from them, even though MY letter to them requested a reply so that I could understand their contention. I never received a reply from them. XX/XX/XXXX I reached out directly to XXXX XXXX who is a partner in the aforementioned law firm. He acknowledged receipt of my letter and admitted that he willfully and intentionally ignored it as he " thought these questions had already been answered ''. Are n't creditors obligated to respond to the person with whom they have a dispute with in a timely fashion? Are they allowed to ignore legitimate requests for information? How can I defend myself or even proceed to negotiation if I am not in possession of all the facts. The answer is, I can not! I would like this to be resolved by your agency. I want this debt to go away and any public record of this action to be expunged. I believe it is illegal to ignore a good faith request for information. Please do n't allow these predatory firms the right to ignore correspondence that seeks answers. It is a corruption of the system enacted to protect consumers. Thank you for your consideration.

Andreu, Palma & Andreu, PL

FL

33308

Consent provided

Web

2016-10-13

Closed with explanation

Yes

Yes

2023-07-18

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

My wife and I rented an apartment from XXXXXXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. We noticed " admin fees '' were being added to our rent each month for roughly {$180.00} and when we asked what it was for, we were told not to worry about it because they would be reimbursing us for these fees in the form of gift cards and we were also told these gift cards could be used to pay rent. See XXXX. XXXX email from XXXX XXXX on XX/XX/XXXX. These cards were to be issued by a 3rd party called XXXX XXXX, a company that XXXX partnered with to provide gifts to their residents and seem to be doing business with them regularly. In the email attachments included, you will see that the gift cards, in fact, were not able to be used for rent when trying to apply them to my debt multiple times. I have documented pictures and proof of the cards not working and her team letting me know they should work and they would be contacting the company. See XXXX XXXX with error messages I was getting from their website attempting to use the gift cards and sending this to the leasing team. I sent the emails containing the gift card links back to the leasing office as soon as they didn't work. I was told they would work with the company to address this issue and I had to continuously follow up with them for a few months until I finally heard back in XXXX. On XX/XX/XXXX, XXXX, the manager, informed us that they requested the gift card balance be sent back to them to apply directly to our account. I followed up with them for a month and received no response. On XX/XX/XXXX, XXXX informed me that management would apply a concession in the amount of {$2300.00} as per her email on XXXX XXXXXXXX. At this time, I did nothing with the gift cards as we were told that management would be removing the credit from them and using it towards our concession. 2 months went by and we heard nothing from from so I followed up as our lease was coming up and they had our security deposit and had not issued the concession they were claiming we should've received in XXXX. I was ignored and when we moved out, they didn't mention the gift cards again. Before we moved out, I let them know again that they failed to send us the concession that was promised in XXXX and that they could take that money and apply it to the last month rent as we did not want them stealing money from us. They finally replied to us, after we moved out, claiming they reached out to XXXX XXXX to reissue gift cards, which never happened, and that we still owed them money. And then, last month, I was contacted by Columbia Debt Recovery and was informed that I owed them the remaining balance of {$2200.00} and it was starting to accrue interest. I pled my case to the credit bureaus but they could do nothing so I'm hoping this can help resolve what I believe is not my debt to pay.

Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

CA

95128

Consent provided

Web

2023-07-18

Closed with explanation

Yes

2022-09-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; US DIST CT Bankruptcy XXXX XXXX XXXX Reference # : XXXX ; US DIST CT Bankruptcy : Dismissed XXXX Reference # : XXXX ; U.S. Bankruptcy Court XXXX XXXX bankruptcydismissed Reference # XXXX XXXX ; U.S. Bankruptcy Court XXXX XXXX XXXX Reference # XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Experian Information Solutions Inc.

IL

60087

Consent provided

Web

2022-09-21

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

I have submitted at least 8 disputes this year to XXXX and Equifax regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with XXXX XXXX is for the same amount to report it twice the company XXXX XXXX changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and XXXX they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from XXXX XXXX and the agencies refuse to properly investigate it.

EQUIFAX, INC.

TX

77004

Consent provided

Web

2023-04-12

Closed with explanation

Yes

2023-05-07

Checking or savings account

Other banking product or service

Managing an account

Banking errors

I recently submitted complaint XXXX and this is also in reference to that s it is causing further issue in banking for me as a result Citibanks negligence and inability to document properly. XXXXXXXX XXXX cshed the check in the former complaint, which was I haad Tuesday afternoon after Citibank as supposed to have issued it to me on Tuesday to my account and they lost my deposit due to some software glitch. They didnt know if they would be able to restore it, And suggested I deposit it again! Knowing how slow they are and the other issues - I told them I would take it somewhere and cash it. Now Citi has flagged my UNEMPLOYMENT CHECK THAT I RECEIEVED FROM THE GOVERNMENT AS FRAUDULENT WHEN THEY LST THE DEPOSIT IN THE FIRST PLACE and XXXX Monday has suspended transactions with me as a result. Maybe this is what they think is fraud, but I think its a matter of Citibank screwed up and all of their staff is out of the country for some reason, and they also seem to have difficult time with docuementing the account. If I can prove all the phone calls to them just in that week alone, Im sure you can Imagine I wasnt just calling to sy hi.

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

CITIBANK, N.A.

AZ

85257

Consent provided

Web

2023-05-07

Closed with non-monetary relief

Yes

2022-09-13

Debt collection

Other debt

Communication tactics

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

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

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

Convergent Resources, Inc.

DE

19709

Consent provided

Web

2022-10-05

Closed with explanation

Yes

2022-06-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28314

Consent provided

Web

2022-06-18

Closed with explanation

Yes

2021-11-17

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

Credit reporting

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

Investigation took more than 30 days

I have sent MULITPLE Letters to Equifax and they have failed to respond within 30 days. I sent a XXXX XXXX Letter on XX/XX/XXXX, a No Response Letter on XX/XX/XXXX, an additional No Response Letter on XX/XX/XXXX. I have sent a FTC report 5 times to Equifax and nothing has been done. I also sent an Intent To File FTC Complaint Letter on XX/XX/XXXX and Equifax has yet to respond to any of my letters. Equifax is violating Fair Credit Reporting, Section 611 ( a ) ( 5 ). They have failed to verify information within the 30-45 day time period.

EQUIFAX, INC.

FL

34759

Consent provided

Web

2021-11-17

Closed with explanation

Yes

2019-08-29

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I made a large XXXX deposit to my business checking acct. It was drawn on an out of state checking acct which had local branches. In the past my bank manager told me to deposit such a check in their ATM so it would clear overnight to which I did. I immediately got a 10 day hold placed on it. The person who wrote the check immediately checked his bank 24 hrs later and spoke with his bank and they confirmed the check cleared and Bank of America was in possession of the funds. I went into my branch to explain the situation and they were not helpful and tried to tell me they had to hold he money in case it was returned in which that's ridiculous or the money wouldn't have been paid out in the first place. They also told me their policy on check deposits changes aprox 10 days ago and that's why they can do what they did. I asked XXXX the XXXX, Me branch manager as to why their business customers were not notified as to a change in deposit rules and she told me " They don't have too '' which I believe is a violation in banking rules. The deposit was made on XX/XX/XXXX and cleared into BOA on XX/XX/XXXX. After my discussions with them they agreed to let me have my deposit on XX/XX/XXXX. This has happened before and it isn't right, when I can show the check has cleared they should release it immediately with out a fight over it. Instead they are purposely holding it for interest bearing reasons

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

BANK OF AMERICA, NATIONAL ASSOCIATION

ME

040XX

Servicemember

Consent provided

Web

2019-08-29

Closed with explanation

Yes

2023-01-16

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I evaluated my credit report and realized Experian is reporting my name wrong. There is many names reported and they need to be DELETED. I will provide the names and name id 's to be deleted. Also, I will provide a screenshot of my utility bill to show you how my name should be reported. Names To Be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

PA

19120

Consent provided

Web

2023-01-16

Closed with non-monetary relief

Yes

2023-02-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the companies listed below have violated my rights per : 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 XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX, account ending # XXXX XXXX XXXX, account ending # XXXX XXXX XXXXXXXX XXXX account ending # XXXX XXXX XXXX XXXX account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX XXXX XXXX XXXX, account ending # XXXX XXXX XXXX account ending # 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.

NV

89523

Consent provided

Web

2023-02-04

Closed with non-monetary relief

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit Reporting act Chase Account XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a-Definitions ; rules of construction-Exclusions. Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

JPMORGAN CHASE & CO.

FL

32808

Consent provided

Web

2023-08-25

Closed with explanation

Yes

2017-02-09

Debt collection

Other (i.e. phone, health club, etc.)

False statements or representation

Attempted to collect wrong amount

I had purchased windows financed through XXXX XXXX Bank for the amount of {$10000.00} around XXXX. I made payments, until the economy started collapsing, my daughter lost her job and I was trying to support XXXX households, so I made sporadic payments when I could, knowing this was a legitimate debt that I owed, even though the home had been foreclose on, it was still my responsibility to pay. I received in XX/XX/XXXX what was presented as a summons for a lawsuit filed in Washington State XXXX Court as an attempt to collect a debt, from Machol & Johannes , LLC. The date to respond had passed before I received it. There is no court stamp. However, since I did owe the debt, I called them, and we set up payment arrangements. The balance owed was {$11000.00}, plus interest, and costs of the action, etc. I spoke to XXXX XXXX and was told that if I started paying immediately, no finance charges would accrue. The amount now owed was {$13000.00} I have been paying on this account since then, there have been some missed payments, however I made them up with double payments. Each time my records show I am close to payoff and I call them, now speaking to XXXX XXXX, the payoff amount is usually double or triple what I think it should be. I have as of this date paid a total of {$16000.00}. Not counting the amount paid to the original loan holder. I 'm now told that I my payoff balance as of XXXX XXXX is {$6800.00}.

Company believes it acted appropriately as authorized by contract or law

Machol & Johannes, LLC

WA

980XX

Older American

Consent provided

Web

2017-02-09

Closed with explanation

Yes

No

2023-03-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Please see the credit report attached from XXXX. 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, DEPT OF EDUCATION/XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, US DEPT OF EDXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

EQUIFAX, INC.

CA

92831

Consent provided

Web

2023-03-17

Closed with explanation

Yes

2018-05-29

Checking or savings account

Checking account

Closing an account

Company closed your account

Bank just closed all my accounts one day without any explanation i contacted them to no resolve My personal checking savings and business checking

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

CITIBANK, N.A.

NY

11219

Consent provided

Web

2018-05-29

Closed with explanation

Yes

2019-01-19

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

This is in reference to Complaint number : XXXX-XXXX. Wells Fargo issued a response to the previous complaint, however, they did not actually do what they said they were going to do. In their response to my prior complaint, their letter says, " After reaching out to Branch Manager XXXX, our office was informed that she would be able to waive the stop payment fee. '' However, when I attempted to go to the bank and collect my money yesterday, I was told that the branch manager was unavailable and that they had no interim branch manager. Today I received a call stating that the stop payment fee would be waived and I would be charged a {$30.00} surety bond fee instead in order to reclaim my money. Otherwise, they said I had to wait until XX/XX/XXXX to reclaim by money without a fee. A fee by any other name is still a fee. I closed by account in XXXX and simply want the {$1500.00} that was left in the account back -- no more, no less. Unfortunately, Wells Fargo has made that impossible for me and insists on charging me excess fees for a check they allegedly issued that I never received. Furthermore, their response to my prior CFPB complaint was incredibly deceptive ; they simply replaced 1 fee with another.

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

WELLS FARGO & COMPANY

VA

22903

Consent provided

Web

2019-01-19

Closed with explanation

Yes

2017-09-15

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Equifax believes my data to have been compromised in the recent hack. This is unacceptable.

EQUIFAX, INC.

IA

523XX

Consent provided

Web

2017-09-15

Closed with explanation

Yes

2021-10-28

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

On XX/XX/2021 First credit services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt anyone can send a bill and say its mines. According to FCRA First credit services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

First Credit Services Inc.

NC

27705

Consent provided

Web

2021-10-28

Closed with explanation

Yes

2019-10-30

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

I received a scam collection notice from MRS BPO, L.L.C. The mailing address is XXXX XXXX XXXX, XXXX XXXX NJ XXXX. The notice claims to be collecting a debt of about {$200.00} on behalf of XXXX XXXX. I have never used any XXXX credit products and do not owe any money.

Company believes it acted appropriately as authorized by contract or law

MRS BPO, LLC

MI

48103

Consent provided

Web

2019-10-30

Closed with explanation

Yes

2022-04-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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

Experian Information Solutions Inc.

FL

33312

Consent provided

Web

2022-04-07

Closed with non-monetary relief

Yes

2020-04-17

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

My card was stolen and i reported it to the bank right away. they refused to investigate and denied my claim even though i reported my card being stolen immediately they still let the fraudlaunt charges go through and are telling me i have to pay them MY CARD WAS USED IN ANOTHER COUNTRY

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

TRUIST FINANCIAL CORPORATION

GA

30349

Consent provided

Web

2020-04-17

Closed with monetary relief

Yes

2023-08-02

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

I am writing to express my serious concern and dissatisfaction regarding the continued communication from Midland Credit Management despite my explicit request for cessation of communication as per 15 U.S. Code 1692c. Pursuant to this federal statute, I exercised my right to cease communication in connection with the debt that you are attempting to collect. Under 15 U.S. Code 1692c - Communication in connection with debt collection, it is clearly stated that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector must comply with this request and refrain from any further communication regarding the debt. This includes any form of communication, whether direct or indirect, through any medium. I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Midland Credit Management 's practices. In response to that complaint, I was informed that Midland Credit Management claimed they would cease and desist communication. However, it has come to my attention that despite this claim, I am still receiving communications from your company, which is a direct violation of the statute mentioned above. It is essential to note that the term " communication '' encompasses the conveying of information regarding a debt through any medium. My consumer reports, which your company is using to report information, are also a medium of communication. By failing to cease communication through all mediums, including but not limited to consumer reports, Midland Credit Management is violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I want to bring to your attention that I am aware of my rights as a consumer, and I am fully prepared to take appropriate legal action to protect those rights. Under the FCRA, I am entitled to accurate and fair credit reporting. If every account that your company is reporting on me is not removed immediately, I will have no choice but to pursue legal action for the violations outlined in this letter. Please be advised that I can seek damages of {$1000.00} per violation, which could result in substantial financial consequences for your company. I expect this matter to be rectified promptly. I request that you cease all communication through any medium, including consumer reports, and remove any accounts associated with my name from your reporting immediately. I also request written confirmation of the cessation of communication and the removal of accounts. Your immediate attention to this matter is crucial, as further violations will result in legal action. I hope we can resolve this matter amicably and avoid unnecessary legal proceedings. Thank you for your prompt attention.

ENCORE CAPITAL GROUP INC.

VA

23236

Consent provided

Web

2023-08-02

Closed with explanation

Yes

2020-11-03

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

I worked for a company that had an XXXX XXXX account and that issued employees cards. If an employee used the card for personal purchases, then the company policy was to pay XXXX XXXX directly for the amount used. Which I an other employee 's did. The company went under during Covid and I began getting notice 's and bills from XXXX XXXX addressed to me personally. Mind you I have never had a personal XXXX XXXX card or account and in fact was denied a card the only time I applied. I Made disputes which XXXX replied to the credit bureaus that it was legitimate without supplying a copy of the application or any personal identifying information. I notified the Consumer Financial Protection Bureau and Experian at least adjusted my credit score but did not remove the false delinquency information. The other two agencies still have my score over XXXX points below Experian ( XXXX XXXX. XXXX XXXX responded to me that since I paid my portion of the Bill I was responsible for the balance of the Company 's bill! I spoke with a person who would only provide her first name, XXXX, and she said its their policy. It's a crime to tell a deliberate falsehood to a regulatory type agency like credit bureau 's. I questioned if the other former employee 's were also targeted and they would not answer. But my contact with them disclosed that none of them contacted received any deliquencies from XXXX XXXX. The company was a S-corporation with its own tax id number and the law provides XXXX XXXX with a way of addressing the corporation. XXXX XXXX choose to notify the credit bureau that the accounts were closed but in doing so the closure remains as a delinquency on my personal report. a delinquency that has been closed is still a delinquency in the eyes of other creditors. I have been denied the smallest of credit lines and denied the ability to refinance my mortgage with the historically low interest rates because of this action. i know that XXXX XXXX is a large corporation but they should not have the right to submit false unsubstantiated delinquencies without governance. I would like your help in having the false information completely removed from all of my credit reports. Closing of the account is not removal from the report. if the CFPB is unable to have the credit bureau 's correct clearly wrong delinquency information on a Credit Report, then it's effectiveness is limited at best and useless at it worse. My research shows that this is a new agency and therefore XXXX not be fully aware of the effect that actions like mine have on a persons credit life, but I also found it that the creation of the Bureau was for such a time as this. Thank you for your time and anticipated help in this very important matter.

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

Experian Information Solutions Inc.

NJ

081XX

Servicemember

Consent provided

Web

2020-11-03

Closed with explanation

Yes

2020-05-27

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

Credit reporting

Incorrect information on your report

Account status incorrect

I've paid my capital one car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

CAPITAL ONE FINANCIAL CORPORATION

PA

19151

Consent provided

Web

2020-05-27

Closed with explanation

Yes

2022-12-28

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

Hello, I have an inquiry on my citicard Cbna from XX/XX/22. I am unaware of why this is on my account.

CITIBANK, N.A.

CA

92102

Consent provided

Web

2022-12-28

Closed with explanation

Yes

2021-11-12

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 account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

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

Experian Information Solutions Inc.

FL

33141

Consent provided

Web

2021-11-12

Closed with explanation

Yes

2018-07-12

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both TransUnion and XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

XXXXX

Consent provided

Web

2018-07-12

Closed with explanation

Yes

2021-01-06

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

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

The credit bureaus have yet to respond to my credit bureau disputes, I have not gotten a response back from none of them at all and I am trying to improve my credit

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

Experian Information Solutions Inc.

IN

46815

Consent provided

Web

2021-01-06

Closed with explanation

Yes

2023-02-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

TX

752XX

Consent provided

Web

2023-02-17

Closed with explanation

Yes

2023-07-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I received a letter from XXXX XXXX Notice of Data Breach. My personal information was compromised. I am a victim of identity theft. Someone opened a fraudulent XXXXXXXX XXXX Account using my personal information and identity. I never applied for any loan or account with XXXX XXXX XXXX. The XXXX Account is a fraudulent account and not my account. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX

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

Experian Information Solutions Inc.

MN

55343

Servicemember

Consent provided

Web

2023-07-11

Closed with non-monetary relief

Yes

2022-08-14

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

Credit reporting

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

Investigation took more than 30 days

Good afternoon, Due to the new Medical Debt Relief Act of XXXX, I have been trying to get some medical debt removed since XX/XX/XXXX on the XXXX XXXX website under the Transunion credit and it says they are working on it but it's been four months and the dispute options are locked up where I can't follow up. When I went directly to the Transunion website, they are trying to charge me XXXX dollars a month in order to sign up to directly deal with them. I just went directly to XXXX and had to submit the disputes there so I will wait to see what happens. There are laws in place to protect many people like myself who are responsible, law abiding citizens that have had bad luck with health issues no matter how hard we try to take care of our health. PS, I have a 94 % payment history for all of my other payments! Can you please remove the medical debt from my credit report please? Thank you, XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

89183

Consent provided

Web

2022-08-14

Closed with explanation

Yes

2019-10-28

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

BARCLAYS BANK DELAWARE/ CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full. 2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed. 4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ). Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BARCLAYS BANK DELAWARE are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

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

BARCLAYS BANK DELAWARE

AZ

85254

Consent provided

Web

2019-10-28

Closed with explanation

Yes

2022-08-15

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. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 60 days straight with XXXX i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist 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 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.

EQUIFAX, INC.

IL

60616

Consent provided

Web

2022-08-15

Closed with explanation

Yes

2018-06-14

Vehicle loan or lease

Loan

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

Investigation took more than 30 days

Last XX/XX/XXXX, I faxed Carmax a letter. This is what I wrote to them : " I set off for a business trip in XX/XX/XXXX and my secretary was entrusted with paying my bills. Since she didnt have access to my CarMax account, she used my secondary checking account with XXXX XXXX to setup an online bill pay to pay Carmax.. However, due to a banking error the payments did not get sent. I returned home the next month and continued make the payments, not knowing that indeed the XX/XX/XXXX payment was skipped. Given that I always make the payment even before the due date, the payment was not 30 days late for several months, until XX/XX/XXXX when I actually paid off the entire balance of the car at the dealership. That is when I found out that the XX/XX/XXXX payment had been missed and I was 30 days late for XX/XX/XXXX There was no reason for me to be late in XX/XX/XXXX, as on XX/XX/XXXX I paid off the entire vehicle. '' Attached to this letter was a proof that the payment should been sent to them on time and that it was a bank error and I it was never my will nor intention to be late. I also sent them a copy of my bank statement to prove that I have more than enough funds on my bank account to pay off the entire car/loan let alone to make a payment. I am so disappointed that Carmax denied my request considering my perfect history with them and that the account was paid off! Their refusal to my humble request is the only thing keeping my lender from offering me my prime financing for my home. This company are taking away a great opportunity for me to give my family a better life.

CarMax, Inc.

CA

93727

Consent provided

Web

2018-06-14

Closed with explanation

Yes

2019-08-26

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

Creditor Collection Services just reported a medical bill on my credit report from XXXX XXXX. First of all, this medical service was covered under a worker 's compensation claim. Futhermore, I never received a bill from XXXX XXXX about this service. If I had, I would have submitted it to the human resources dept of the liable employer, for payment. Additionally, I did not receive a 30-day notice of my right to dispute from Creditor Collection Services, prior to this bill appearing on my credit file.

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

Creditor's Collection Service, Inc.

NC

27614

Consent provided

Web

2019-08-26

Closed with explanation

Yes

2018-12-18

Checking or savings account

Checking account

Managing an account

Problem accessing account

I called in to Citizens bank today to resolve a problem with XXXX XXXX still showing that the debit card has not been removed from my device. When the Rep XXXX XXXX XXXX failed to resolve the issue I asked to speak to a supervisor. The supervisor regurgitated the same resolve and then disconnected with me after I asked for her supervisor.

CITIZENS FINANCIAL GROUP, INC.

NY

134XX

Consent provided

Web

2018-12-18

Closed with explanation

Yes

2019-06-12

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

I have contacted Portfolio Recovery by mail to try to negotiate a settlement. They have not responded to my request. I would like the cfpd help in having them respond to my request.

PORTFOLIO RECOVERY ASSOCIATES INC

TX

76116

Older American

Consent provided

Web

2019-06-12

Closed with explanation

Yes

2022-12-12

Credit card or prepaid card

Store credit card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

So I walk into the Macy 's store in XXXX XXXX XXXX New Jersey looking for cologne when a young lady approach me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after I explained the cologne I'm looking for she offers me a credit card I told her I had a good credit score of XXXX and that I would only allow her to do a soft pull she said she agreed several weeks later I get a letter in the mail stating why I was not able to get the car because I'm not using my other three credit cards enough which is not true one of my credit cards had a balance all the way up to {$800.00} that one has a balance of XXXX that I recently paid off so they're saying that I was not active with those cards which is not true and I have evidence of it I will mail you or text or fax you these information

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

CITIBANK, N.A.

NJ

070XX

Consent provided

Web

2022-12-12

Closed with non-monetary relief

Yes

2020-08-19

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

Credit reporting

Incorrect information on your report

Personal information incorrect

There are errors on my credit report pertaining to the following Personal Information. INACCURATE NAME SPELLING XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX INACCURATE XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX OUTDATED EMPLOYERS : XXXX XXXX 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.

OH

44095

Consent provided

Web

2020-08-19

Closed with explanation

Yes

2019-08-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

LEXISNEXIS

GA

30350

Consent provided

Web

2019-08-07

Closed with explanation

Yes

2021-09-17

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

When I terminated my service with XXXX XXXX years ago I was very specific as to the " payed in full amount ''. Dealing with this company is a nightmare but they were the only ones with a XXXX XXXX I wanted. I was given the amount from their customer service department and I returned everything as requested following the steps perfectly. Months later I received a collections notice, naturally demanding payment for a debt not owed.The amount is {$270.00} from Credco ( XXXX XXXX ). I contacted them several times which is a time consuming nightmare and was told it was a mistake on their end but the notices kept coming and my frustrations grew. The fifth time I contacted them I didn't go through to customer service, strait to the collections department where I was told they didn't care or wanted to hear anything from me and to pay up or it would remain on my credit report until I did. This is illegal, unethical, and extortion. They wouldn't ever tell me what was owed, just pay the amount. If you send anything back to XXXX XXXX now XXXX reads you a disclaimer and provides you a secondary tracking number because they've pull this XXXX with SO many people. Please get this removed, I'd pay it if it was owed but I won't be bullied into paying it!

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

CORELOGIC INC

WA

986XX

Servicemember

Consent provided

Web

2021-09-17

Closed with explanation

Yes

2022-09-26

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 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 # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

NC

27703

Consent provided

Web

2022-09-26

Closed with explanation

Yes

2022-06-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

on. for 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 XXXX XXXX XXXX XX/XX/2021 OPEN BALANCE {$1900.00} ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 any reasons.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48504

Consent provided

Web

2022-06-16

Closed with non-monetary relief

Yes

2020-07-13

Checking or savings account

Checking account

Managing an account

Banking errors

On XX/XX/13 there was an online purchase made by someone else using my debit card. I received a fraud alert email from chase asking if I authorized a purchase for XXXX. I denied the purchase and called chase customer service right away to freeze my account. My debit card number was canceled and I received a new card. My claim has been denied twice and the only response that I received from a customer representative over the phone was that I had previously bought from that retailer and they accused me of making the purchase. Yes I had several times purchased from that online retailer which I believe was the reason why my debit card information was stolen. From all the purchases I made I had never received a fraud alert email until that day. That is the reason why I contacted my bank right away. I have records of the email and I have sent it over to them. This is the first claim or problem I have ever had with chase and I do not like how the situation was handled. Why would a bank sent me a fraud alert email were I deny the purchase but the transaction still goes through? I need for them to refund my stolen money.

JPMORGAN CHASE & CO.

IL

60629

Consent provided

Web

2020-07-13

Closed with monetary relief

Yes

2023-04-29

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

Credit reporting

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

Was not notified of investigation status or results

All three bureaus have failed to respond to the letter I sent via dispute online that requested them to respond within 15 days due to their failure to address the issue with my XXXX XXXX XXXX account. Please remove as I gave them a specific timeline to provide me with the sources they used to validate the loan, people they talked to, etc. Per FCRA I had every right to request that within 15 days it has now past 15 days ( XX/XX/XXXX ) So please remove it per the FCRA immediately. Remove the item immediately as they were given sufficient time to provide me with the information but could not produce it and or refused to produce it when it's my right per FCRA to see that information.

EQUIFAX, INC.

OK

74006

Servicemember

Consent provided

Web

2023-04-29

Closed with explanation

Yes

2019-09-17

Checking or savings account

Checking account

Opening an account

Unable to open an account

On XX/XX/XXXX I went to Wells Fargo at XXXX XXXX XXXX XXXX, XXXX NM XXXX, to request open a Checking Account for an MSB ( Money Service Business ) and was referred to the business banker XXXX XXXX, who kindly took my information to begin the process. He got our XXXX docs articles of organization, EIN, personal info ITIN number, identificacion number, etc. And then, he contacted to his corporate or his Wells Fargo MSB center to request more information to start the process. They got the preliminary information and they asked him to transfer the call to me, so they told me about 90 days process starting at that point to get a resolution. Also, they toldme that I would receive a package of information requested in 7 days thru XXXX, a checks list, and some forms to fill out. On XX/XX/XXXX since we did not received the package I went again to the local branch to ask about the process, then the business banker called to the MSB center of Wells Fargo and they said the something. So I had to keep waiting. On XX/XX/XXXX, finally I got the package with the forms and the check list. The case was asigned to the Wells Fargo EDDC at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, to the Wells Fargo analyst Mr. XXXX XXXX XXXX, with the case number : XXXX. On XX/XX/XXXX I sent the full requested info thru USPS Certified and return receipt signature. On XX/XX/XXXX the package I sent was delivered by XXXX XXXX, and we got the returned receipt signed. On XX/XX/XXXX I sent the same information in digital format to the local Wells Fargo Business Banker XXXX XXXX, to make sure both sides have the full information requested, and the help him to follow up the case. On XX/XX/XXXX I sent the same digital copies to XXXX XXXX to his email XXXX to make easier his process, but he never answer the email. On XX/XX/XXXX, I wrote a new email asking for the status to XXXX XXXX, business banker ; XXXX XXXX, director of branch, and XXXX XXXX Analyst of the case, and expresing the big concern of the other financial institution with who we bank currently and the big fees we are paying for cash withdrawals, an average of {$1200.00} per month, and I did not receive any answer. Mr. XXXX XXXX just ignored my email. No answer was received. On XX/XX/XXXX finally Mr. XXXX XXXX made contact with me over the phone and in a rude and desperate rush way he started refusing to considerate our internal AML program and asking me to sign an adoption of the XXXX XXXX manual. I asked him why since we are required to have our internal AML program under Federal Law ( BSA ) and we are authorized delegate of 5 money transmiters not only XXXX XXXX ; so, our AML Program includes more directions to monitor more than one money transmiter. He did not want to provide a reasonable explanation. He just ignored our internal AML program and he was not willing the discuss the reasons. This was really disturbing, even when they trust in XXXX XXXX policies, that is not justifiable. However we did it and we sent the adoption letter Mr. XXXX requested. In addition he request us to fix some numbers on the page 4 of the application and we did it immediately. At the end of the call Mr. XXXX asked me if there is an special license in XXXX XXXX we have to obtain to cash checks. I explained him with detail that the XXXX XXXX " Uniform Money Service Act '' under the Article 3 just request that license for persons who are NOT authorized delegates of a Money Transmitters under the Article 2. Therefore, under the Article 3, paragraph A, section ( 4 ) of that Law, Money service Business have an exception to get an State License to Cash Checks as long they are Authorized Delegate of a Money Transmitter authorized under the Article 2, since they are cashing checks under the license of the Money Transmitters they represent in the State. In this cases, the City License or County License its good enough. Mr. XXXX asked me to send him copy of that Law and marking that section. Therefore, I sent copy of the Law and the specific page where that provision appear. In addition I sent our ID of each Money transmitter ( 5 in total [ XXXX by XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ). in XXXX XXXX where we are authorized delegate, and we attached also our Cashing Service County License current and valid number # XXXX valid until XX/XX/XXXX showing we are in compliance. Everything was sent the same day on XX/XX/XXXX. On XX/XX/XXXX since we got no more information requested and passing a week, I wrote another email asking about the status and when can we open the account. No response was received. On XX/XX/XXXX, Mr. XXXX called me requesting again the XXXX XXXX State License to Cash Checks, and I explained him again with detail why we are not required to have that license and I told him that the information was sent to him a week ago as he requested, and did not want to look for that, and started in rude way asking to " re-send '' every thing again. Again in rude and desperate way he asked me to show him the page of the Law the paragraph and the explicit line explaining that. I did it again, he read it very clear and he was NOT able to to proof nothing against that provision for who are " authorized delegate of a license person under the Article 2 ''. In addition, I sent him a copy of the XXXX XXXX agreement for Money Transfers and Checks Cash under their license what is fully in compliance with the State Law, and Mr. XXXX did not have arguments against that. Also, Mr. XXXX was asking about how we cash checks and each time we refer him to our AML Program that includes the section Checks Cashed, Mr. XXXX got mad and rude. He did not wanted nothing about our Internal Policies nothing that implies going and read carefully to our AML Program. So, this was really hard to work with Mr. XXXX. He was so in rush that he did not want to get enough familiar with our internal proceedings. He had a rally bad attitude. Finally, despite of all the evidence he refused to approve to open a checking account unless we get the State License to Cash Checks. On XX/XX/XXXX We requested him in writing thru email to answer in writing specifically what part of the State Law require us to get that State License since we met the requirements for the exception pursuant 58-32-301 A ( 4 ). Mr. XXXX never answered. On XX/XX/XXXX Mr XXXX sent us a certified letter declining the process WITHOUT responding our specific questions and with AMBIGUITY asserting that we did not met their risk requirements. SUMMARY : Wells Fargo did not proof we are not in compliance with BSA. T h e r e f o r e, For potential MULTIPLE VIOLATIONS of : 1 ) BSA CFR 31 103.125 ( a ) ( b ) ( c ) ( d ) : " MSB 's shall develop a AML writing program '', with " internal controls [ ... ] [ Note : Wells Fargo will NOT force to any MSB to sign in adoption " exclusively '' just one of their money transmitters manual. Particularly if the MSB represent more than one money transmitter and the MSB own manual covers ALL the AML proceedings, the use of their own software for internal controls and Monitoring for ALL the transactions with all the money transmitters that represent and the checks cashed. Of course, we sign to comply with all the money transmitters AML programs individually ( each manual ) and we have the commitment to follow the compliance of each Money Transmiter we represent ; but we have a " superior internal AML program '' that cover all the companies in a global way in order to fully comply with the BSA. Wells Fargo do not have the legal authority to dismiss the internal AML program with all its " internal controls with sofwares '' to monitor " sends '' and " Checks Cashed '' that are ALL connected with its internal Global AML program. 2 ) NM Uniform Money Service Act 58-32-301 A ( 4 ) : " A person shall not engage in check cashing [ ... ] unless the person : ( 4 ) is an authorized delegate of a person licensed pursuant the Article 2 of the Uniform Money Service Act. '' [ Note : We are " Authorized Delegate '' of 5 Money Transmitters in XXXX XXXX, Vigo by XXXX XXXX, XXXX XXXX ( with specific agreement that allow us to cash checks under their license ), XXXX, XXXX XXXX, XXXX XXXX. ] Once again, despite of the " check cashed '' system the Money Transmitter provide to their " authorized delegate '' process checks, the MSB have ALL the legal right to " record '' internally with its own software ( such as our software " XXXX '' ) all the checks cashed, checks images, history of the checks cashed per customer, Ofac verification, and multiple reports, to fully comply with the Federal Law such as the BSA, US Patriot Act, etc., and for the proper AML monitoring and -in many times- with " superior standards ''. Wells Fargo do not have the legal right to OBJECT to that ; and in addition if particularly the Money Transmitter under the license the Authorized Delegate is cashing checks, do not have any inconvenient to do it since the compliance for both parts result stronger and the risk management gets more reduced. Therefore, the objection of Wells Fargo to this provision of the State Law above mentioned it could be considered not only a potential violation but trying to go " above the law '' requiring more than the Law. 3 ) Fincen Advisory dated on April 26, 2005, that strongly provides in the page 1 paragraph 2 as follows : " [ ... ] the Financial Crimes Enforcement Network ( FinCEN ) and the Federal Banking Agencies1 issued a joint statement recognizing the importance of ensuring that money services businesses that comply with the law have reasonable access to banking services. The statement also confirmed that banking organizations should apply the Bank Secrecy Act requirements to money services businesses, as they do with all accountholders, on a risk-assessed basis '' ( Note : " the importance of ensuring MSB 's that comply with the law ( such as the BSA ) have REASONABLE ACCESS to banking services. ) .. 4 ) .- Juridic Cases holding : " No one is Above the Law '' : Note : Wells Fargo will not be " Above the Law ''. Wells Fargo shall recognize the exception of the Law for the Check Cashed State License for who are " Authorized Delegates '' of a person licensed under the Article 2 of the NM Uniform Money Service Act. No personal opinions or additional rules for this Law or different criteria will be accepted. 58-32-301 A ( 4 ). Otherwise, Wells Fargo would be acting " Above the Law ''. Our MSB fully meets with this Law, and only can be required for the City Permit which is in file current and valid. And in addition enforced with the XXXX Agreement to Cash Checks. In accordance with the above : Hereby we respectfully request to the intervention of the FDIC and Fincen to Fix this illegal analysis and determination. Respectfully XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX

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

WELLS FARGO & COMPANY

NM

87121

Consent provided

Web

2019-09-17

Closed with explanation

Yes

2023-08-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

FL

33309

Consent provided

Web

2023-08-21

Closed with explanation

Yes

2023-05-16

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX [ Date ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX RE : Notice of Continued Violation of the Fair Credit Reporting Act ( FCRA ) Dear Equifax Information Services LLC , I am writing to address the ongoing violation of the Fair Credit Reporting Act ( FCRA ) by your organization. Despite my previous attempts to resolve this matter amicably, you have failed to take appropriate action and continue to retain inaccurate, unverifiable, and invalidated information in my consumer file. This letter serves as my final notice before initiating legal action to seek relief and monetary compensation in accordance with the FCRA Sections 1681n, 1681o, and 1692k. If the following items, which remain inaccurate and unverifiable, are not promptly removed, I will have no choice but to pursue litigation. This correspondence, along with previously submitted documentation, will be presented as evidence in the pending litigation and as part of a formal complaint to the Federal Trade Commission, should you choose not to comply with this settlement offer. It is evident that you are in direct violation of the FCRA, as you have failed to provide the required original documentation from the original creditors to verify the accuracy of the reported information. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is your obligation to furnish a consumer contract with my signature on it to establish the authenticity and validity of the reported accounts. Additionally, you have not provided the method of verification as mandated by FCRA Section 611 ( a ) ( 7 ). It is crucial to note that under FCRA Section 611 ( 5 ) ( A ), you are legally obligated to " promptly delete all information which can not be verified. '' To ensure complete understanding, let me briefly summarize the Fair Credit Reporting Act and its implications. The FCRA is a federal law that governs the collection and reporting of credit information about consumers. It establishes strict guidelines on how credit information is obtained, maintained, and shared among relevant parties, including consumers themselves. Moreover, it grants consumers the right to verify and dispute any inaccurate, incomplete, or unverifiable information present in their credit reports. Given the gravity of these violations, I hereby demand the immediate deletion of the following items due to their inaccuracy, unverifiability, and invalidation. Failure to comply with this request will leave me no choice but to proceed with legal action : XXXX XXXX Account Number : XXXX This account has never been paid late, and your reporting is entirely inaccurate. I demand an immediate update to this account and the removal of the inaccurate information. XXXX XXXX XXXX Account Number : XXXX This account has never been paid late, and your reporting is entirely inaccurate. I demand an immediate update to this account and the removal of the inaccurate information. XXXX Account Number : XX/XX/XXXX The inquiries related to this account have exceeded the statute of limitations and must be removed from my credit report. Unauthorized inquiry without consent : XXXX Date of inquiry : XX/XX/XXXX I insist on the removal of this unauthorized inquiry from my credit report. Unauthorized inquiry without consent : XXXX Date of inquiry : XX/XX/XXXX I insist on the removal of this unauthorized inquiry from my credit report. XXXX XXXX Account Number : XXXX No late payments have been made on this account, and it is paid as agreed. Please rectify and update this inaccurate information on my credit report. By disregarding the FCRA 's provisions, you have willfully and knowingly failed to comply with federal law. As such, you are subject to civil liabilities, including actual damages sustained by the consumer, punitive damages determined by the court, and the costs of the action, along with reasonable attorney 's fees, in the case of a successful enforcement action under this section. Furthermore, I reiterate my request for the removal of all non-account holding inquiries and the provision of a detailed description of the procedure used to determine the accuracy and completeness of the information, as outlined in FCRA Section 611 ( a ) ( 1 ) ( A ). I explicitly do not consent to e-Oscar or any form of automated verification. I remind you that you have 30 days to complete the necessary investigations, as stipulated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Additionally, I expect you to provide a satisfactory response within this timeframe. Failure to do so may result in legal action being initiated, seeking {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be advised that depending on your response, I may choose to publicly disclose any issues with your company through an online press release, including documentation of the potential small claims action. Furthermore, copies of this complaint will be shared with the organizations listed below to raise awareness and seek their involvement in this matter : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : Credit and Insurance Regulators CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency, Division of Consumer Complaints I urge you to address this matter promptly and resolve it in compliance with the Fair Credit Reporting Act. This is my final attempt to reach a settlement before proceeding with legal action to enforce my rights under the FCRA. Sincerely, XXXX XXXX XXXX

EQUIFAX, INC.

AZ

85031

Consent provided

Web

2023-05-16

Closed with non-monetary relief

Yes

2018-02-03

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

I have an XXXX XXXX Score acount and any type of chages to my credit or score XXXX notifies me through email and text. On XX/XX/XXXX XXXX flagged my account as collections by an agency name XXXX XXXX XXXX. They reported that I owed a balance of {$800.00}. I never received any letter, phone call from this agency about this debt verifying that this account actually belongs me. On my my credit report from XXXX it says this acoount was opened on XX/XX/XXXX and on my XXXX report it says this account was opened on XX/XX/XXXX, two different opened dates which is odd.

Company believes it acted appropriately as authorized by contract or law

Focus Holding Company

MA

02139

Consent provided

Web

2018-02-03

Closed with explanation

Yes

2019-03-04

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

In all started when I went to XXXX 's to get groceries. While I was at the customer service desk, the clerk approach me to open a MasterCard account via XXXX 's. She said because I am already a member, they will not run a credit report. I believed her and 10 minutes later, it showed on my credit report as a Hard Inquiry. The credit card company name is XXXX. I started using the card to make purchases. I used it to make a large purchase and won't go through. After many attempts they locked my account. After talking to the fraud department and try to explain to then that it way me, they requested to get a copy of my social security number, driver 's license and a copy of a utility bill with my addressed. After faxing all the information and have not heard from them in weeks, I decided to call then. They still did not unlock my account because I did not provide enough evidence that it was me. Despite the fact that I sent everything they asked for, they still reject it my request. What is really upsetting is that I really did not want the card. But after having a hard inquiry in the credit report, I want them to give me my card back, I am willing to give them what they asked for to proof to them that the person the are speaking to on the other side is the same person who applied for the card.

Bread Financial Holdings, Inc.

VA

201XX

Consent provided

Web

2019-03-04

Closed with explanation

Yes

2019-06-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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

Experian Information Solutions Inc.

FL

33331

Consent provided

Web

2019-06-23

Closed with explanation

Yes

2022-04-30

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

On XX/XX/2022. I noticed {$11000.00} in fraudulent ACH transactions on my capital one checking account. I contacted my bank, and started my claim. 10 business days later they granted me a temporary credit for the {$11000.00} that was missing. I was told that the credit could be deducted from my account if the claim was not found in my favor. On Friday XX/XX/2022, I received an email from my bank that stated : The provisional credit is yours to keep and your dispute 's now closed. On Tuesday the XXXX of XXXX I received a new email stating : Our research didn't find any errors, so we closed your dispute. We'll remove the provisional credit of {$11000.00} from your checking account on XX/XX/2022. On XX/XX/XXXX I called capital one and asked what was going on. They asked if I could forward them the email stating the credit was permanent and I did so. I was told I would get a response within XXXX business days. I do not get any reply. So I call them again on the XXXX of XXXX. They inform me on a recorded line that in fact they looked into it and I will not be charged the {$11000.00} and that my claim is closed and the credit is permanent and that should be the end of it. On the XXXX of XXXX. {$11000.00} was deducted from my capital one checking account. I call them again. And they tell me that there is nothing they can do. That a mistake was made and they gave no way of fixing it. I feel as though they unlawfully deducted this money based on the fact that the credit was no longer temporary after they stated it was mine to keep in writing.

CAPITAL ONE FINANCIAL CORPORATION

TX

787XX

Consent provided

Web

2022-04-30

Closed with monetary relief

Yes

2023-07-18

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

Credit reporting

Incorrect information on your report

Account status incorrect

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX and at XXXX weeks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. We filed bankruptcy in response to the overwhelming debt we incurred during this difficult period of XXXX stays XXXX miles from home. This last year, XXXX I was finally diagnosed with XXXX. We struggled with our mortgage. We tried to find relief within the company XXXX XXXX with no luck or response or severely delayed response and we eventually received help outside of their company. In XXXX, we were served with foreclosure paperwork even though I had a health letter from my doctor stating I could not work. My husband and I also kept up communications when payments, although late, were coming. Knowing we had help coming in we were served. We came up with {$8000.00} to pull ourselves out before the due date was up. Conveniently, that due date was before our help was set to arrive. {$8000.00} was XXXX XX/XX/XXXX. Catching us up. 3 more payments were issued to XXXX in XXXX. See attached letter. XXXX XXXX has consistently reported inaccurately if at all the last XXXX years. Please see attached reporting. We have never had accurate information and in fact I requested that our mortgage be reported accurately early XXXX. We knew we wanted to sell, work on our debt since we were receiving relief and obtain a mortgage that was affordable, in, XXXX where the health care and heat ( weather ) better fit my health demands. We found a lender willing to work with us and we got almost to closing and XXXX XXXX had not been reporting correctly and now reporting something different again. XXXX from XXXX said that we were on time from XXXX. Which actually since mortgage is paid ahead would have been XXXX. In all reality, we had no idea because reporting wasn't reported at all, or reported differently across the board. Since everything has fallen through we have lived in a hotel, had to put everything in storage and finally got into a rental. My husband had to go back to work in XXXX since you can't change jobs before buying. He will still there until we can buy, away from our family with XXXX children and me with XXXX. I am the sole caretaker and I need my own caretaker. If XXXX XXXX were reporting correctly our lender and us would have known before trying to obtain a loan. The facts our we needed help. We received help from an outside help and we worked very hard to relieve ourselves from debt and make every penny helpXXXX XXXX XXXX is paid in full and our family is separated and states away from each other. At the end of the day had my lender pulled credit and the reporting was there and correct, we wouldn't be in this situation. The credit and reporting has constantly changed, we have no idea what was/is accurate. The credit supplement pulled XX/XX/XXXX didn't show a late in XXXX or XXXX, they show it as a regular payment but an XXXX shows a 90 day late but with a regular payment. Then the report has changed sine and before then. All attached.

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

Experian Information Solutions Inc.

FL

344XX

Servicemember

Consent provided

Web

2023-07-18

Closed with explanation

Yes

2023-08-01

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

Credit reporting

Incorrect information on your report

Account status incorrect

My XXXX XXXX reports shows that there is a balance on a closed BOA account of {$1500.00}. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX The balance is {$1500.00} as of XX/XX/XXXX It was opened with a NY Driver 's license. I have a PA license

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

BANK OF AMERICA, NATIONAL ASSOCIATION

PA

183XX

Consent provided

Web

2023-08-01

Closed with explanation

Yes

2021-07-28

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

I was a victim of a scam a company name XXXX took XXXX out of my accounts I filled a claim with my bank and the bank denied the claim Wells Fargo

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

WELLS FARGO & COMPANY

IA

52761

Consent provided

Web

2021-07-28

Closed with explanation

Yes

2023-04-16

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

Credit reporting

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

Investigation took more than 30 days

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

NC

28546

Consent provided

Web

2023-04-16

Closed with explanation

Yes

2021-03-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

EQUIFAX, INC.

AZ

85022

Consent provided

Web

2021-03-04

Closed with explanation

Yes

2023-04-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

JPMCBANK/ XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813

JPMORGAN CHASE & CO.

NV

XXXXX

Consent provided

Web

2023-04-12

Closed with explanation

Yes

2019-05-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Transunion, has allowed fraudulent accounts to be authorized on my Consumer Credit Report in which I did not authorize. These accounts were opened from a thief as a result of Identity theft. These accounts also list many inaccuracies. 1. XXXX XXXX XXXX XXXX Credit Card says Opened XX/XX/XXXX. It also states credit limit {$25000.00} according to XXXX XXXX XXXX XXXX this has already been closed due to fraud. They also advised me the limit they show is {$15000.00} therefore transunion is also reporting fraudulent inaccuracies. 2nd Item says XXXX XXXX XXXX Credit Card with a balance of {$1900.00} and a Credit Limit of {$2000.00} this account was not authorized and is a result of Identity theft. 3rd Item is XXXX XXXX loan for {$8000.00} again this was not authorized and is fraudulent. As a result of identity theft. Two more XXXX accounts, one showing a {$4000.00} limit Credit line and one showing a {$1000.00} credit line. These again are fraudulent as a result of Identity theft. There is also TWO XXXX XXXX inquiries for the same thing on the same date that are fraudulent XX/XX/XXXX. Lastly there is a XXXX inquiry which is also fraudulent and transunion lists a fraudulent address on my credit file.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75002

Consent provided

Web

2019-05-22

Closed with explanation

Yes

2016-06-29

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Received bad information about my loan

After my Nelnet loans came out of forbearance following my graduation I was billed my initial payment of about {$700.00} on around {$70000.00} of student loans. I was unable to pay such a large monthly amount and submitted paperwork for income based repayment ; however I was still responsible for that first payment. I did not have the money to pay it so I opted to put my loan in forbearance until Nelnet processed the paperwork. The employee read the disclosure and it sounded like it said my interest would be added to my principle balance-I asked for clarification and was told that no-nothing on my account would change I just would n't have to make the payment so I agreed. The representative lied to me and the interest obviously was moved to my balance increasing my loan amount to about {$75000.00}. My recalculated payment ended up being $ XXXX/month. Each year I have to fill out a form to reassess my income based repayment amount ( many other loan companies have a form you fill out once, not annually ). While this paperwork was processing I once again ended up with a monthly payment of about {$800.00} -it 's conveniently higher now because I owe Nelnet more money because they lied to me-until my income based payment was reassessed. My new monthly payment is now {$200.00} a {$67.00} increase from last year which I can only assume is because I owe more money because my income has not increased from the last assessment and I still owe the {$800.00} payment. A representative once again tried to convince me to put my loan in forbearance, glossing over the fact it would add nearly {$10000.00} to my principle balance and when my loan is reassessed next year the payment would no doubt increase, not to mention the obvious-the amount I owe would go up to {$85000.00}. This representative was at least honest when I asked about my interest. I can not make this {$800.00} payment. There is no waiver of the payment and my only options are : pay money I do n't have, do n't make the payment and ruin my credit, or put my loan in forbearance and owe Nelnet even more money. There is no way to make a formal complaint at Nelnet. I feel like I was tricked into owing more money, representatives misinform and persuade customers into allowing their interest to capitalize, the annual paperwork only serves to create a month where customers are vulnerable to high payments and more likely to be forced to make a poor financial decision to protect themselves in the moment as well as their credit in the long term. Nelnet does not serve or care about their customers-they are only using them to continue to make money and increase their student debt.

Nelnet, Inc.

NE

68106

Consent provided

Web

2016-06-29

Closed with explanation

Yes

No

2023-08-12

Checking or savings account

Savings account

Closing an account

Company closed your account

I opened a saving account at Popular Direct to earn high interest. They closed my account after external transfer was complete from my XXXX XXXX XXXX account, they told me account is closed for unspecified security reasons but did not provide me specific details. I called many times and sent emails and they said they do not have access to the reason for closing. I have over 800 credit score. They finally send me email that we closed the account due to information on the XXXX report. I reviewed my XXXX report and all i see they bank inquires for non credit account verification but no reason for a bank to close my account. They are doing this to many customers so that they get short term funding for free and they close the accounts prior to an account is eligible to earn interest. Please see reviews at XXXX XXXX XXXX I had two account one with {$100.00} trial opening balance and other with XXXX. One opened in last XX/XX/2023 and other this week. In my Popular Account i see that they have refunded {$100.00} back to my XXXX XXXX XXXX account but in my XXXX XXXX XXXX account I do not see money coming in. XXXX has taken XXXX from my XXXX XXXX XXXX account despite they will close 2nd XXXX account. Bank website : XXXX XXXX XXXX

BANCO POPULAR DE PUERTO RICO

SC

29708

Consent provided

Web

2023-08-12

Closed with explanation

Yes

2015-04-08

Student loan

Non-federal student loan

Dealing with my lender or servicer

Received bad information about my loan

Hi - I got a student loan from Nelnet to attend XXXX. As I was an XXXX XXXX, XXXX set up a XXXX in order to secure the loan. In spite of this, I always received the form XXXX XXXX so that I can file this in my annual tax returns. Recently XXXX took over my XXXX, and without really informing me of anything, are now saying that since they do n't have my original SSN on record, they will not give me my XXXX XXXX form ( even with the XXXX SSN ). I immediately sent them a scanned copy of my SSN, but they now say it 's too late. Since I was never informed of this change, and only now am told it 's too late, I am filing a complaint as I stand to lose XXXX hundred dollars in this arbitrary process change.

Nelnet, Inc.

CA

94070

Consent provided

Web

2015-04-08

Closed with non-monetary relief

Yes

No

2022-12-10

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the Biden Administration.

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

Experian Information Solutions Inc.

IL

60612

Consent provided

Web

2022-12-10

Closed with explanation

Yes

2021-10-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I give full authorization to move forward with this complaint. I, XXXX XXXX, am a victim of identity theft. Attached below is a an attachment of my FTC Identity theft report.

EQUIFAX, INC.

GA

303XX

Consent provided

Web

2021-10-21

Closed with explanation

Yes

2017-07-02

Debt collection

Other debt

Communication tactics

Used obscene, profane, or other abusive language

I was contacted repeatedly from a rude guy who works fo r Hunter Warfield. I asked that he do not contact me, stop calling but calls continued. I do not have a signed contract with Hunter Warfield.

Company believes complaint represents an opportunity for improvement to better serve consumers

HW Holding, Inc

TX

77080

Consent provided

Web

2017-07-02

Closed with non-monetary relief

Yes

2018-10-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Someone is accessing my credit reports for the past several years. There are 2 additional Social Security Numbers other than my own. I disputed them 2 Years ago but those individuals are still able to access my credit reports. How do I go about stopping these individuals from accessing my credit reports. There are negative reports that dont belong to me.

EQUIFAX, INC.

DE

198XX

Consent provided

Web

2018-10-10

Closed with explanation

Yes

2021-02-08

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

Credit reporting

Incorrect information on your report

Account information incorrect

I previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times.

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

Experian Information Solutions Inc.

MI

48124

Consent provided

Web

2021-02-08

Closed with non-monetary relief

Yes

2023-04-28

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

Credit reporting

Incorrect information on your report

Account information incorrect

10 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$58000.00} Balance updated XXXX XXXX, XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Repossession. {$57000.00} written off. {$10000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$10000.00} Original balance {$47000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

18966

Consent provided

Web

2023-04-28

Closed with non-monetary relief

Yes

2017-07-24

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

On XX/XX/XXXX I sent a dispute letter to Portfolio Recovery Associates regarding an account with XXXX XXXX who is listed as the original creditor. Within the letter I requested validation of this debt by providing me with the original application and/or contract from XXXX XXXX that outlined the terms of fees, interest, etc. so that I could confirm that the dollar amount stated as being owed was in fact assessed from the original creditor and not the collection agency who is currently attempting to collect. I also asked if the contract/application from the original creditor could not be provided that they provide me with a copy of any agreement the collection agency has with me verifying that I agreed to pay them the debt of record and/or the original creditor. In addition, I also asked for them to verify the date the debt was acquired and also if it was assigned or purchased and to which credit bureaus the debt was being reported. I received none of this information from Portfolio Recovery Associates and upon contacting them via telephone on XX/XX/XXXX I was told by a supervisor that they do not have a contract or application on file or record from the original creditor and that even if they did they do not send this type of information to consumers which is a complete falsehood. In addition, I was informed by the same supervisor that this account was not assigned to them by the original creditor of record and was actually purchased and acquired in XXXX of XXXX. In my original letter to the collection agency I alerted them that in the event of noncompliance, I 'd reserve my right to file charges and/or complaints with appropriate county, state and federal authorities for violations of the FDCPA/FCRA. I feel my rights are being violated and there are some unethical practices and procedures being utilized as it pertains to my particular situation and I am in need of additional assistance. Your help in this matter would be greatly appreciated.

PORTFOLIO RECOVERY ASSOCIATES INC

NY

10027

Consent provided

Web

2017-07-25

Closed with explanation

Yes

2020-03-07

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I am having issues with unrecognized addresses on my credit report I need removed. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!

EQUIFAX, INC.

OH

43232

Consent provided

Web

2020-03-07

Closed with explanation

Yes

2016-10-15

Student loan

Non-federal student loan

Can't repay my loan

Can't decrease my monthly payments

I have been dealing with this company for months, they refuse to lower or change my payment plan. I am very low income and I have been getting no where with them. I have called and it is pointless, I basically get " too bad so sad '' type of responses. I send letters via postal mail and get no where, I either get double copies of forms sent to me that I have already sent to them with no explanation to why they are sending to it to me or reponses that make no sense to what I had inquired about. They are now threatening over a XXXX dollars by XXXX which is COMPLETELY out of my income bracket, I live with my dad due to my sufficently low income status and am on goverment based health care for low income. I am also attending school, as they are still requesting payment. I have faxed them forms again about this situation, which I will be attaching to this complaint. They have report this on my credit and I 'm now considered " delinquent '', I have went from a XXXX credit score down to a XXXX credit score. I do n't know how I am suppose to find a job to pay off my loans if I find a company that runs credit scores as a hiring descion process. I feel like Im at a dead end, I cant afford a lawyer, I dont know what to do.

AES/PHEAA

OH

45056

Consent provided

Web

2016-10-15

Closed with explanation

Yes

No

2022-04-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Account name 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 connot furnish an account without my written instruction.

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

Experian Information Solutions Inc.

FL

33157

Consent provided

Web

2022-04-19

Closed with explanation

Yes

2023-02-06

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

On XX/XX/XXXX I saw a 'collections ' on my credit report at XXXX XXXX for XXXX dollars from XXXX XXXX XXXX XXXX XXXX This was unrecognized charge. I filed a dispute with XXXX. XXXX stated that the results of the dispute showed it was legitimate. XX/XX/XXXX I contacted ProCollect debt collections. They confirmed this charge under my social security number, yet could not provide a name associated with the account. They also FAILED to provide me a debt verification letter. The {$130.00} debt was assigned XX/XX/XXXX and I have NEVER received a debt verification letter. Furthermore, XXXX XXXX XXXX, the employee I talked to at ProCollect, stated that the debt had already been paid but could not provide any details as to how or who paid it. This was not me. I am VERY concerned about identity theft and immediately requested on Procollect 's website a debt verification, as instructed by XXXX XXXX. It has been a week and they have not gotten back to me. I am filing this complaint because of ProCollect 's FAILURE to provide an initial verification letter when the debt first posted, so that I could dispute its validity, and filing this complaint because now they still are FAILING to provide debt verification when I am ready to report identity theft to the authorities.

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

ProCollect, Inc.

IL

600XX

Consent provided

Web

2023-02-06

Closed with explanation

Yes