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2022-08-06 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Date opened XX/XX/2021 Amount {$390.00} File dispute with XXXX with negative results I don't recall service from the original creditor. I'm receiving bills from ARS and XXXX XXXXXXXX XXXX XXXX I believe for the same charge but different amounts.
ARS ACCOUNT RESOLUTION Original creditor : XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HCFS Health Care Financial Services, Inc. | IL | 60409 | null | Consent provided | Web | 2022-08-06 | Closed with explanation | Yes | null | 5,850,313 |
2022-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX CARD SERVICES. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10469 | null | Consent provided | Web | 2022-04-27 | Closed with non-monetary relief | Yes | null | 5,504,102 |
2021-06-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | we have done everything to get credit on track we pay down credit cards pay loans on time remove major debt and yet credit scores stay same or do major 30pt drops with no explanation other than old issues that score have raised since. the credit system is biased against us as young XXXX couple that have only had 4 blips one 12 years minor incidents no late mortgages or auto. I know XXXX couples who have filed bankruptcy and still have 700+ scores. something needs to be done. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70508 | null | Consent provided | Web | 2021-06-11 | Closed with explanation | Yes | null | 4,452,384 |
2023-01-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Re : Complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for XXXX of the Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern, I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX the Fair Credit Reporting Act ( FCRA ) by duplicating the same credit account they both reported on my credit report. This has resulted in a significant negative impact on my XXXX XXXX, causing me to be denied credit, loans, and other financial opportunities.
According to my credit report, XXXX XXXX XXXX XXXX XXXX charged-off account to the credit reporting agencies, which was subsequently sold to XXXX XXXX XXXX. However, both companies continue to report the same account on my credit report, causing a duplicate negative account for the same debt.
This is a violation of FCRA Section XXXX ( a ) which prohibits a creditor from reporting a debt to a credit reporting agency after it has been sold to a collections agency. This means that if a creditor sells a debt to a collections agency, they are not allowed to continue reporting the debt to a credit reporting agency. This is to prevent duplicate reporting of the same debt, which can negatively affect a consumer 's XXXX XXXX. XXXX XXXX XXXX XXXX violating this provision in my case. Additionally, FCRA Section XXXX ( c ) prohibits a creditor from reporting a debt to a credit reporting agency more than once for the same debt. This means that if a creditor has already reported a debt to a credit reporting agency, they can not report the same debt again, even if the account has been sold to a collections agency. This is to prevent duplicate reporting of the same debt, which can negatively affect a consumer 's XXXX XXXX. XXXX XXXX XXXX XXXX violating this provision in my case.
Furthermore, FCRA Section XXXX ( a ) ( XXXX ) requires a creditor to provide notice to the consumer before reporting a debt to a credit reporting agency after it has been sold to a collections agency. This means that if a creditor sells a debt to a collections agency, they must notify the consumer in writing before reporting the debt to a credit reporting agency. This gives the consumer an opportunity to dispute the debt and correct any inaccuracies before it is reported to the credit reporting agency. XXXX XXXX XXXX XXXX not follow this provision of the law and I did not receive this notice, thus violating this provision in my case. FCRA Section XXXX ( a ) ( XXXX ) - Requires a creditor to provide notice to the consumer before reporting a debt to a credit reporting agency more than once for the same debt. This means that if a creditor has already reported a debt to a credit reporting agency, they must notify the consumer in writing before reporting the same debt again. This gives the consumer an opportunity to dispute the debt and correct any inaccuracies before it is reported to the credit reporting agency. XXXX XXXX XXXX XXXX not follow this provision of the law and I did not receive this notice, thus violating this provision in my case.
In addition, FCRA Section XXXX ( a ) requires credit reporting agencies to maintain accurate and complete information in consumers ' credit reports. This includes checking for errors and omissions, verifying the information with the creditor, and giving consumers the right to dispute any inaccuracies. In this case, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX the same account on my credit report, which is inaccurate and incomplete information, and a violation of FCRA XXXX XXXX ( a ).
I am requesting that the Consumer Financial Protection Bureau investigates these violations and takes appropriate action to correct the inaccuracies on my credit report and hold XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for their actions. I also request that my XXXX XXXX be corrected and any harm caused by these violations be addressed.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60638 | null | Consent provided | Web | 2023-01-23 | Closed with non-monetary relief | Yes | null | 6,475,532 |
2023-05-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NJ | 070XX | null | Consent provided | Web | 2023-05-31 | Closed with non-monetary relief | Yes | null | 7,050,301 |
2020-05-31 | 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 is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 750XX | null | Consent provided | Web | 2020-05-31 | Closed with explanation | Yes | null | 3,676,518 |
2017-04-07 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Having problems with customer service | AES services my student loans. I am most unsatisfied with this company. The representatives regularly provide you with wrong and misleading information. I am currently in the process of refinancing my loans with another company, XXXX. XXXX and I together called AES to get information from them regarding my loans. The first rep we spoke to refused to provide information as XXXX had a recorded line. He said his manager would be able to assist us as he did n't have the authority. The " manager '' refused to help us. She said they will not speak on recorded lines as it is " company policy. '' Because of this I had to call the company separately and request the information that the XXXX rep could have gotten verbally be sent to me in document form. Now I have to wait for this documentation which is holding up my refinancing process. | null | AES/PHEAA | MA | 01821 | null | Consent provided | Web | 2017-04-07 | Closed with explanation | Yes | Yes | 2,425,248 |
2020-10-26 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Hello My Unemployment Usbank Reliacard has been blocked for over 7 days. I have sent in numerous verification documents as requested by the bank to have my unemployment bank card unblocked but still no resolution. I have attempted to contact every source for assistance but still no resolution. My unemployment card is the only source of income that I have. I have sent to the Usbank my personal photo, my identification card and a copy of my home rental lease to also proof identity and residence. This is causing serious issues as I am not able to take my autistic son to see his physician and attend his therapy appointments because I cant use my Unemployment Usbank Reliacard. Any help would be greatly appreciated. Thank you in advance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | PA | 19145 | null | Consent provided | Web | 2020-10-27 | Closed with explanation | Yes | null | 3,919,289 |
2021-04-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Experian is reporting false information about my accounts ; my payments and dates, and amount of my loans and credit. They are reporting my XXXX hasn't been paid since XX/XX/XXXX ; I am current and up to date with XXXX and I have proof. And I would like to add XXXX more thing. XXXX doesn't report to Experian about my monthly payments. My XXXX bill is current and up to date I have proof. Experian is reporting i had not made a payment since XXXX XXXX. My XXXX card ; Experian is reporting that I have not made a payment since XX/XX/XXXX. And they claim I need to make 3 more payments before they can give me a boost in my credit. Which I have proof is current and up to date. Experian webpage reports my credit is XXXX however my XXXX XXXX is reporting XXXX. My XXXX XXXX is reporting XXXX and they are all getting their information on Experian and i Have proof. My XXXX XXXX account XXXX XXXX of {$17000.00} Experian is reporting it as {$18000.00}. They have inconsistent report of wrong information on my account. I would appreciate it if you could look into this for me and correct all the incorrect information they fail to accurately report which is affecting my score as a Consumer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 78222 | null | Consent provided | Web | 2021-04-30 | Closed with explanation | Yes | null | 4,342,010 |
2023-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2022 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11553 | null | Consent provided | Web | 2023-07-17 | Closed with non-monetary relief | Yes | null | 7,258,467 |
2022-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that Equifax doesnt have any fear of neglecting this kind of complaint. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please comply with the law and DELETE the account right away.
XXXX XXXX | null | EQUIFAX, INC. | CA | 90501 | null | Consent provided | Web | 2022-11-11 | Closed with explanation | Yes | null | 6,197,866 |
2018-09-10 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | You never received your bill or did not know a payment was due | I have a credit card through Bank of America. I rarely use it ( perhaps 2-3 times per year ) and I would close it, however, due to the way credit scores are factored, due to the fact that it is my oldest credit card, closing it would be detrimental to my credit history.
This morning I was made aware of a late payment to this credit card, apparently, I have a toll pass setup to auto reload on this credit card. In XXXX it appears as though this toll pass reloaded and was charged to the BOA credit card, I wasn't aware of this. Fast forward to today ( XX/XX/2018 ), I get an e-mail that says " We have lowered your credit limit ''. They lowered it from {$25000.00} to {$500.00}. I checked my credit report and the account is marked as delinquent. My issue is that I have received NO PHONE CALL, NO LETTER and NO E-MAIL PRIOR TO THIS. I have never missed a payment on any account ever in my life, if BOA looked at the account history they will see this. They will also see that I rarely use this card. Due to BOA failure to report a delinquent account and instead forward this only to the credit bureaus, my credit score has dropped nearly 70 points.
I explored how this could have happened, as I have all accounts setup to autopay. Bank of America does not offer an auto payment of a full account balance on their website. Instead all they offer is for me to setup an auto payment of an arbitrary amount every month. This is absurd, every other account in my name ( credit card, cable, utility and so on ) has the ability setup auto payments every month to pay my account balance in full. Bank of America does not.
To summarize, there are two factors where I believe Bank of America is at fault for this detrimental credit report that is now in my history ( which was FLAWLESS u
p to this point ).
1- Failure to notify me of a late payment ( phone, text, physical mail or e-mail ) 2- Lack of technology to allow me to setup an automatic payment every month to pay my balance in full All of this due to a {$40.00} balance, which will surely cost me much more in the future when I use credit products ( via higher interest rates ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | IL | 60605 | Servicemember | Consent provided | Web | 2018-09-10 | Closed with non-monetary relief | Yes | null | 3,014,932 |
2020-09-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency.
I contacted Target Card Services and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened. | null | TD BANK US HOLDING COMPANY | CT | 069XX | null | Consent provided | Web | 2020-09-03 | Closed with non-monetary relief | Yes | null | 3,829,621 |
2021-06-10 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | I learned of check fraud on my Chase account on XX/XX/XXXX. A check for {XXXX} was stolen out of my building mailbox, altered ( different payee, dollar amount was changed to {XXXX} ) and cashed on XXXX. I was alerted to the fraud on XX/XX/XXXX when the intended recipient called me letting me know they had not received the check. That day, I called Chase and opened a claim over the phone. The following day, I went to a Chase branch and worked with a banker to send the affidavit ( " declaration of unauthorized endorsement or altered item '' ) which he sent to the Claims department via an internal efax. In addition to the affidavit, the banker sent, on my behalf, a photocopy of the check ledger, the invoice for the check, and a police report.
3 weeks later, I received a letter from chase saying, effectively, thank you for starting a claim, but we have not received your affidavit, please send it. I figured, it's possible the banker made a mistake when he sent my documents. So the following morning, I went to a different branch and had the information re-sent. This time, I waited 3 days and called to confirm that the affidavit was received, so I assumed the claim would begin to process.
Then, after another 3 weeks had passed, I got the SAME letter in the mail. I called the Claims department, and they told me that, despite having the affidavit, they needed a police report to resolve the case. I sent them the police report! Twice! Where did it go? No one in claims could locate it. So I re-sent the materials via my own fax, to a number I took down very carefully and confirmed was correct.
It has now been 3 months since the fraud occurred. As of the beginning of this week, I have had three separate bankers send my materials, and I personally have sent the same materials by fax twice. Yet they STILL did not have any materials attached to the claim. Their back office has been absolutely asleep at the wheel, and every time I speak to a claims representative, I am unable to send them the information directly. This is unfathomably frustrating. Furthermore, every time I have called Chase claims, I have received different information -- with some agents saying the police report is all they need, others saying they need a check ledger, and others saying they need a carbon copy of the check ( which I do not have ). They have also given inconsistent information regarding where the fraudulent check was cashed -- which matters because it affects the time needed to pursue the claim. I've had different agents tell me it was cashed at a Chase, at a XXXX, at a XXXX, and at a XXXX XXXX. The ineptitude is stunning -- no one knows anything!
I was able to raise an escalation with Chase, and now, finally, 3 months after the incident, I was able to send the materials directly to the Escalations representative, who has been helpful. So, finally, after they lost my documents five separate times, they ( apparently ) finally have everything.
But they are still telling me it will take 3 months to process! After repeatedly losing my documents! I want to be refunded the amount of the fraud immediately. I'm sick of waiting for Claims to process a reimbursement for this obvious fraud. They keep telling me they need more, but they habitually lose everything I send them! It's not right and I need to be made whole. | null | JPMORGAN CHASE & CO. | NY | 11201 | null | Consent provided | Web | 2021-06-10 | Closed with explanation | Yes | null | 4,447,598 |
2021-08-04 | Debt collection | Federal student loan debt | Written notification about debt | Didn't receive notice of right to dispute | I, consumer and natural person, have never went into a consumer transaction with Nelnet. 15 USC 1692 refers to individual privacy. My contract grants an " ORIGINAL CREDITOR '' permission to have my information, it does not give a third-party debt collector permission to contact me. No one is allowed to have or purchase my information without my consent. This is an infringement upon my consumer 's right to privacy.
Also, 15 USC 1692e refers to false or misleading representations. Nelnet has used false representation of a. the character, amount, or legal status of any debt, and b. any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. Also, the debt being in the positive balance is false representation of the amount of the debt. If it is a debt ad it its owed, it should be shown in the negative. | null | Nelnet, Inc. | TX | 77449 | null | Consent provided | Web | 2021-08-04 | Closed with explanation | Yes | null | 4,601,371 |
2022-07-29 | 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 Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX account XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.AC 1681 section 602 A. States I have a right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 7 years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers to any agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92301 | null | Consent provided | Web | 2022-07-29 | Closed with non-monetary relief | Yes | null | 5,824,177 |
2021-08-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Some one is using my SSN to pull credit/credit card. I have a lot of inquiries and have not been removed.
This inquiries need to be remove, if they can not show proved of contracts etc. I also have freezed all 3 bureau. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 331XX | null | Consent provided | Web | 2021-08-19 | Closed with explanation | Yes | null | 4,642,745 |
2023-09-07 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance Owed : {$2100.00} | null | EQUIFAX, INC. | FL | 33432 | null | Consent provided | Web | 2023-09-07 | Closed with explanation | Yes | null | 7,508,306 |
2023-05-23 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | Credence purchased an old account and is trying to collect funds from an account that was closed in XXXX or XXXX. XXXX called me a year after I closed my account and I disputed the amount with them then and haven't heard anything about it since then. XXXX was purchased by XXXX XXXX XXXX in XXXX. Credence is trying to collect on an account that is over 8 years old. They put it on my credit report as a new account and as owing since XX/XX/XXXX. This is false information that has caused my credit score to decrease. I am also in the middle of applying for a condo and if this causes me to lose this property I will be suing. | null | Kriya Capital, LLC | CA | 90680 | null | Consent provided | Web | 2023-06-23 | Closed with non-monetary relief | Yes | null | 7,018,606 |
2020-03-20 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | This letter is to dispute collection items listed on my credit report by Meridian Financial. I have been unable to access the online system because I do not have a report number. Fraudulent activity has resulted in unjustified collection accounts being placed on my credit report. I have reached out to the creditor, Meridian Financial, to dispute the information. After reaching out, I have received the attached communications from creditor Meridian Financial.
Someone has clearly forged my name to acquire a TimeShare. I have never signed up for a TimeShare or had any affiliation with the creditor XXXX XXXX XXXX XXXX XXXX. My signature or " proof of identification '' is not present in the communications. My name and a former address is printed on page 2 of a QuitClaim Deed. This was not printed by me. The creditor also sent an attachment of tax payments dating back to 1997 for the TimeShare Property. I have never paid any taxes towards any property as I have never owned any property. As a result, I have placed a fraud alert on my credit reports. It would seem that the creditor should have to supply actual proof of identification for something of this matter. There is no way the company has any legitimate identification from me. Please assist in this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Meridian Financial Services, Inc. | GA | 30038 | null | Consent provided | Web | 2020-03-21 | Closed with explanation | Yes | null | 3,574,789 |
2020-12-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33165 | null | Consent provided | Web | 2020-12-14 | Closed with explanation | Yes | null | 4,009,403 |
2019-06-04 | Vehicle loan or lease | Loan | Incorrect information on your report | Account status incorrect | There are 3 months reported late. I paid in time every month. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 95747 | null | Consent provided | Web | 2019-06-04 | Closed with explanation | Yes | null | 3,263,604 |
2022-01-08 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | My name is XXXX XXXX you were my account number is XXXX checking account was compromised on XX/XX/XXXX somebody stole my wallet my debit card all my files out of my vehicle my phone was stolen which had access to all my PIN numbers and all my passwords and they went to the bank and started with a mobile deposit of {$850.00} and then they went through {$100.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these were unauthorized transactions I did not authorize these at all Wells Fargo allow these overdrafts to go through up to {$710.00} they have never allowed that much to go through on an overdraft on my account ever why they put that through I do not know my pin was possibly written down on the back of my social security card that was also in my wallet to the ATM closet they had taken when I reported this to Wells Fargo I had an appointment at the branch the banker told me that they could only freeze my account they would not be able to close my account due to the underlying issues I was not okay with that so he said they froze it and that nothing was going to go in and out of my account on the 3rd they put my social security direct deposit through for {$1100.00} they took {$710.00} and made me pay for all of those fees and charges they made me pay for their mistake of overdrafting my account way above the limit when there was no funds in the account it was at a zero balance which should be on call for I've never had a problem with this Bank I've had always a good outstanding account after they took my money they close my account immediately and it's not even been the 10 days has not even been up so I paid for their mistakes of {$700.00} they lied to me they did not honor their zero protection liability and credit me back like they said they were going to be crediting me back for all reversal give me reversals of all charges and fees and then they stole my check the only income that I received from social security why are they even closing my account when they're not even finished with their tendon 10-day investigation process and number two why are they letting these unauthorized withdrawals of up to {$700.00} to go through on my account when they have never in the past allowed for my account to be overdrafted more than {$200.00} limits this is their mistake and I should not have to pay for these mistake and they should not have taken my only income that I received from social security and then they should not have closed my account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AZ | 85742 | null | Consent provided | Web | 2022-01-21 | Closed with explanation | Yes | null | 5,083,521 |
2023-02-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. | null | EQUIFAX, INC. | TX | 752XX | null | Consent provided | Web | 2023-02-02 | Closed with explanation | Yes | null | 6,519,840 |
2023-10-06 | Credit 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 | My credit card was lost, I noticed some unauthorized charges appeared on my statement. I notified the credit company regarding the unauthorized charges but they denied the claim. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 94544 | null | Consent provided | Web | 2023-10-06 | Closed with explanation | Yes | null | 7,649,560 |
2020-08-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have submitted a complaint about incorrect reporting.
I was advised via the CFPB process that the company would be informing about the steps that were taken to investigate reported information.
To date, I have yet to hear anything of substance from XXXX XXXX, Equifax, or XXXX about the steps that were taken.
I maintain that what they have reported on me is incorrect, and not single phone call, letter, or any means of communication has been made to contact me about clearing this issue. | null | EQUIFAX, INC. | OK | 73012 | Older American | Consent provided | Web | 2020-08-04 | Closed with explanation | Yes | null | 3,777,706 |
2017-01-13 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Trouble with how payments are handled | I worked with a debt consolidation company called Student Loan Help Center. They consolidated our loans for a fee of {$990.00}.
We received a letter from Fedloans.gov stating the power of attorney was denied for this company to work with them to consolidate our loans The representative from fed loans told us that this company is fraudulent and they are not accepted requests from them. We are asking that our money be returned to us because they are not able to provide services for us. Also, the information they reported to the fed loans was incorrect. The # in our household was incorrect.
The contact information : Student Loan Help Center : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX | Company believes it acted appropriately as authorized by contract or law | Brelvis Consulting, LLC | IA | 526XX | null | Consent provided | Web | 2017-01-23 | Closed with explanation | Yes | No | 2,288,780 |
2023-09-09 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$25.00} | null | Experian Information Solutions Inc. | WI | 53216 | null | Consent provided | Web | 2023-09-09 | In progress | Yes | null | 7,522,545 |
2023-07-19 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | They have continually charged me extra interest apart from fees about having insufficient funds but charging me twice plus a few times of {$15.00} plus interest for payments they received. | null | Self Financial Inc. | MA | 02130 | null | Consent provided | Web | 2023-07-19 | Closed with explanation | Yes | null | 7,268,056 |
2021-10-06 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | Capital One was offering {$200.00} credit to apply for their Quick Silver credit card. I applied for the promotion and my credit card was approved. Terms of the original application and email that Capital One sent me, clearly stated that a {$200.00} statement credit will be offer to new approved customers. Once the card was received at my house i started using the card and i spent the {$500.00} listed on the offer in order to obtain the advertised {$200.00} credit. When i received my first statement, the advertised {$250.00} credit was not added to my statement. I called Capital One and the told me that they didn't give me the {$200.00} because i didn't qualify for the promotion. Capital one never gave me a counter offer to accept nor told me that i did not qualify for the original offer that i was applying for. I requested Capital One for documents stating that i was not approved for the original offer and that a counter offer was given to me. Capital One never replied back.
In conclusion, Capital one lured me in by sending me an email with a promotion that they never offered. They made me spend {$500.00} in their credit card putting the false idea in my head that i was going to received {$200.00} credit. They made me sign documents, give private information and never send me a counter offer. I never applied for the card they gave me and they are clearly false advertising and offering false promotions. | null | CAPITAL ONE FINANCIAL CORPORATION | AZ | 85641 | null | Consent provided | Web | 2021-10-07 | Closed with explanation | Yes | null | 4,786,038 |
2021-08-29 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | Opened XX/XX/2021 ( {$2200.00} ) I reached out to both the credit bureau 's and the actual debt collectors. | Company believes it acted appropriately as authorized by contract or law | Creditors Bureau Associates | GA | 30906 | null | Consent provided | Web | 2021-09-16 | Closed with explanation | Yes | null | 4,671,977 |
2023-06-15 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | I pulled a copy of my credit report on XX/XX/2023 to make sure that my credit was in good shape before I applied for a loan and that's when I discover a collection agency by the name of Midland Credit Management has reported a past due account of {$790.00}.
I have never received any communication from this collection agency stating that I owe them nor was I made aware of my rights to dispute. I contacted the credit bureau on XX/XX/2023 and all XXXX ( XXXX, XXXX, XXXX ) came back with " account verified ''. I also sent a debt validation letter to the collection agency ; to which they sent their first piece of communication to me, on XX/XX/2023, enclosed with what looks like copies of XXXX bills from a creditor.
This agency is in violation of the FDCPA and I'm demanding that they remove this collection from my credit reports.
According to U.S Code 15 U.S. Code 1692g, the collection agency was supposed to make attempts to contact me before they reported a collection to my credit report. They did not. I've only found out about the alleged debt, when I requested a copy of my credit report prior to submitting a loan application.
This agency also failed to provide sufficient validation for this debt. Sending XXXX bills from a creditor does not constitute of complete validation. | null | ENCORE CAPITAL GROUP INC. | MA | 01886 | null | Consent provided | Web | 2023-06-15 | Closed with explanation | Yes | null | 7,123,952 |
2021-02-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!! | null | EQUIFAX, INC. | WA | 98661 | null | Consent provided | Web | 2021-02-02 | Closed with explanation | Yes | null | 4,112,999 |
2023-02-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 XXXX data breach and may have got into the hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85296 | null | Consent provided | Web | 2023-02-21 | Closed with non-monetary relief | Yes | null | 6,597,734 |
2019-03-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have been sending disputes for 3-4 years trying to remove incorrect information. Each time I get verified as accurate. Thats all. No real look or investigation. I can not buy a home until this is fixed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 279XX | null | Consent provided | Web | 2019-03-08 | Closed with explanation | Yes | null | 3,173,207 |
2022-03-03 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
XXXX XXXX XXXX XXXX : {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20707 | null | Consent provided | Web | 2022-03-03 | Closed with non-monetary relief | Yes | null | 5,283,000 |
2023-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Lenders are showing charge-off of accounts that were closed XXXX. XXXX XXXXXXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Bank of America original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX original charge-off XX/XX/XXXX. They are all more than 12-24 months old and must be moved from my credit as they are destroying my credit score. | null | BANK OF AMERICA, NATIONAL ASSOCIATION | NC | 27127 | Older American | Consent provided | Web | 2023-03-10 | Closed with explanation | Yes | null | 6,672,075 |
2020-06-01 | Vehicle loan or lease | Lease | Problems at the end of the loan or lease | Unable to receive car title or other problem after the loan is paid off | The car that I have was a lease. I leased the car in XXXX and I moved it to XXXX. Hyundai has not and will not send me the paperwork I need to transfer the registration to XXXX. I have called the company 20 times, and I have submitted a complaint to the XXXX XXXX XXXX.
They asked me to mail in the information that they need and I mailed it into them almost 3 months ago. Now they are saying oh we dont have it mail it to us again. I am not going to do that its very simple what they need to send me. Its just permission to register the car in the state of XXXX or a limited power of attorney to register the car in the state of XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HYUNDAI CAPITAL AMERICA | HI | 96761 | null | Consent provided | Web | 2020-06-01 | Closed with explanation | Yes | null | 3,678,282 |
2023-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, Experian, and XXXX to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints.
As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXX XXXX 's failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX 's untimely response.
I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being.
In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions.
Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices.
I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal.
Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action.
Your immediate attention to this issue is expected and appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DC | XXXXX | null | Consent provided | Web | 2023-08-07 | Closed with explanation | Yes | null | 7,362,492 |
2018-02-13 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | After having received 3 emails from Capital One to apply for a credit card that was ideal for my Score, i applied on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, i was denied a credit card without explanation. I did a research and found out that Capital One is on of the credit card Companies that Discriminates against Non XXXX Americans and especially XXXX like myself, plus is Misleading and Dishonest on the explanation given after they decline the application. Since i didn't received an explanation from Capital One i called Capital One after every time i applied but their representatives were Rude and Misleading of to why my application was denied. It seems like another Crooked and Fraudulent Wall Street Company who does business without any respect of the " Weak Consumer Laws '', not to mention that Capital One Defrauds credit card holders with their Sky high interest rates 25 % -30 % and fees while borrowing money from the Government with 0 %. After all that's why Capital One and other Financial Companies Bribe Politicians so they will Defraud consumers with Immunity. It would have been better to do business with Mafia than with Companies like Capital One, etc. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | XXXXX | null | Consent provided | Web | 2018-02-13 | Closed with explanation | Yes | null | 2,813,989 |
2019-06-21 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | On XX/XX/2019 I pre-authorized check # XXXX in the amount of {$300.00} from my Bluebird account, payable to my landlady. She deposited the check on XX/XX/2019. I received notification via email as follows ; Your Bluebird check was paid on XX/XX/2019. The check details are listed below.
Pre-authorization Date : XX/XX/2019 Expiration Date : XX/XX/2019 Check Number : XXXX Check Amount : XXXX.
Followed by another notification via email as follows ; We are writing to let you know that we were unable to honor Bluebird Check XXXX for {$300.00}.
I called Bluebird customer service to clarify this as my check for {$300.00} was duly pre- authorized and funds taken from my account and was told, in essence, that this was a " system glitch '' they were working to correct and the funds would be returned to my landlady 's account. Her bank had " bounced '' the check by XX/XX/2019 and charged her a {$12.00} fee. The amount of {$300.00} was subsequently returned to my Bluebird account instead of to my landlady 's. I had to retrieve the {$300.00} plus {$12.00} fee cash from my account as she would no longer take a Bluebird check. In addition to the inconvenience and embarrassment of my rent check bounce I had to reimburse {$12.00}. All because of a " system glitch '' by Bluebird. I need them to at least, reimburse me that {$12.00} fee charged by my landlady | null | AMERICAN EXPRESS COMPANY | FL | 33068 | null | Consent provided | Web | 2019-06-21 | Closed with monetary relief | Yes | null | 3,283,192 |
2020-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I just want the company to respond to me via FCRA guidelines. Thanks for your help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | KY | 40065 | null | Consent provided | Web | 2020-05-23 | Closed with explanation | Yes | null | 3,666,006 |
2021-10-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively. | null | CURO Intermediate Holdings | CA | 95376 | null | Consent provided | Web | 2021-10-14 | Closed with explanation | Yes | null | 4,810,846 |
2020-09-26 | Credit card or prepaid card | Government benefit card | Trouble using the card | Trouble using the card to spend money in a store or online | After the COVID-19 pandemic, PA Unemployment issued monetary assistance ( PUA ). This was issued in the form of a debit card ( USBank Reliacard ) managed by US Bank. The card was functioning until XX/XX/XXXX when my account was flagged for fraudulent activity. I was not notified nor did their app/website have any useful information on what to do. My first few attempts to contact costumer service the number on the back of my card would fail every time, after doing research I finally found a number that I could get through to someone. They explained they just needed me to upload documents to verify who I am. After uploading my Social Security Card and State Issued ID to their website and waiting 48hrs ( which is how long they told me it would take to verify my identity ). After waiting the 2days I called back and was informed that my since the billing address on my ID was old I would also need to upload verification of my current address, and so I did and waiting another 48hrs. Upon calling again I was told that they could not view my documents because the file was not in PDF So in order for them to view my documents I needed to re submit my documents as a PDF file instead. Again after 48hrs I called back. This time finding out that I needed to Fax my documents. At this point in time multiple bills I had connected with my Relicard have been declined, I have XXXX XXXX in which I take care of in need of food, school supplies, and basic essentials. After once again waiting another 48hrs I called back and all I was told is that there was no message for them to unlock my account and that I needed to wait 4-5 business days. When I heard this information I asked to speak to a supervisor who said that he can put in for my account to be viewed faster. Now it is XX/XX/XXXX, costumer Service has been no help, the Supervisor has been no help. There is no email for Reliacard and no other way to contact anyone who could possibly help and/give me information as to why this has happened. USBank has stolen my money, gave false Guarantees and put me and the 2 children I care for in a situation were we can not get access to basic human needs for nearly a month now, during the COVID19 Pandemic. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | PA | 16335 | null | Consent provided | Web | 2020-09-30 | Closed with explanation | Yes | null | 3,867,469 |
2023-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance to Fair Credit Reporting Act. List of accounts below have violated my rights to privacy. Under 15 USC 1681. Section 602A. I have the right to privacy.
15 U. S. C-section 604 A section 2 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 in report containing the following items of information, other than the convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 A1 A person shall not furnish any information relating to a commercial reporting agency if the person knows or has reasonable cause to believe information is incorrect.
We bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | PA | 150XX | null | Consent provided | Web | 2023-01-03 | Closed with non-monetary relief | Yes | null | 6,391,449 |
2021-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately. | null | EQUIFAX, INC. | TN | 38125 | null | Consent provided | Web | 2021-04-06 | Closed with explanation | Yes | null | 4,275,703 |
2022-01-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great anxiety and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report. | null | EQUIFAX, INC. | NJ | 083XX | null | Consent provided | Web | 2022-01-07 | Closed with explanation | Yes | null | 5,080,677 |
2022-10-29 | 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 see that someone is attempting to open accounts in my name I have several inquires that are fraudulent listed on my credit report and I want them off because its fraud these people just get on my nerves and I have completed a police report and included the FTC report with this complaint.
inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | null | EQUIFAX, INC. | AL | 351XX | null | Consent provided | Web | 2022-10-29 | Closed with explanation | Yes | null | 6,145,501 |
2020-12-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. Its been well over 30 days. I feel like I am being played with. I am extremely frustrated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07106 | null | Consent provided | Web | 2020-12-17 | Closed with explanation | Yes | null | 4,019,156 |
2023-01-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | IL | 60644 | null | Consent provided | Web | 2023-01-25 | Closed with explanation | Yes | null | 6,484,742 |
2021-11-01 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I have sent several letters to letters to the Midland company in regards to said debts owed it's owed and for them to validate which they refuse to acknowledge and keep sending an automatic one page statement. This is not proper communication or collection methods. | null | ENCORE CAPITAL GROUP INC. | CA | 95204 | null | Consent provided | Web | 2021-11-01 | Closed with explanation | Yes | null | 4,865,559 |
2023-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders.
As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies.
Remove reporting of the account name filings from all consumer reporting agencies.
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
I have tried fixing it with credit bureaus several times. PLEASE DELETE | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38053 | null | Consent provided | Web | 2023-06-14 | Closed with non-monetary relief | Yes | null | 7,110,525 |
2015-08-18 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Don't agree with fees charged | My name is XXXX XXXX. XXXX held XXXX student loans of mine, XXXX part with the Dept of Ed and the other part commercial loans. I consolidated my loans with a new plan offered by Citizens Bank, and managed by XXXX XXXX, XXXX.
Despite me giving Citizens Bank the proper XXXX addresses to send payoff checks to XXXX, they sent all the funds to the Department of Education, an error they have acknowledged. The time to correct this issue was lengthy, roughly 4 weeks. My first payment was due to XXXX XXXX on XXXX. However, Citizens Bank had not completed the corrective action to receive excess funds from Dept of Ed, and write new check to XXXX commercial side.
XXXX put my loan in an administrative forbearance to allow more time to finish the payoff process with XXXX. However, I asked them to assist me with the interest accruing on my new loan, and they refused! In spite of their acknowledged error, and the fact that I was still making payment to XXXX. My customer service rep at Citizens Bank, XXXX XXXX, remarked to me on the phone that he believed I should n't have to pay the accrued interest, as did the customer service rep from XXXX XXXX that we had a conference call with.
The new loan amount is {$45000.00}, when the note was for {$44000.00}, a difference of {$330.00}. This is unfair and I think the DoE should be aware of this given this is a new consolidation product being offered and not only are they making mistakes with large amounts of money, but they are now abusing consumers. | null | CITIZENS FINANCIAL GROUP, INC. | NJ | 08050 | null | Consent provided | Web | 2015-08-18 | Closed with explanation | Yes | Yes | 1,524,366 |
2018-08-18 | Debt collection | Auto debt | Written notification about debt | Didn't receive notice of right to dispute | this vehicle was repo under my ex spouse possession. I was never notified about the repo or called about this matter. My ex spouse never saw a court letter or any type of document. I was XXXX XXXX ( XXXX ) and now I'm a XXXX veteran ( 100 % permanent and total ). This is not right, not the way we treat are XXXX veterans! | null | Santander Consumer USA Holdings Inc. | NJ | 08861 | Servicemember | Consent provided | Web | 2018-08-18 | Closed with explanation | Yes | null | 2,995,166 |
2023-01-17 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with fees charged | I purchased a motorhome from an individual through Bank of the West at the end of XX/XX/2022 first of XX/XX/2022. Bank of the West never processed the transfer of title and registration paperwork thus causing the registration to expire and the title to remain in the previous owners name. Since the registration is currently expired I am unable to move or use the motorhome. I have called numerous times over the past 8 months and each time I call I get a different excuse. I requested to speak with someone higher up at the bank and was told there were no phone numbers and departments usually communicated by email. They advised I write a letter expressing my displeasure. At one point I was told the delay was caused by the bank requesting paperwork from the original owner before my loan was actually funded so when the paperwork was received it had nowhere to go so the bank basically lost it. Instead of someone from the bank contacting me to let me know there was a problem I was notified by the original owner. Ive been told they needed to request a duplicate title, they needed a new power of attorney, they needed approval to pay the late fees with the DMV, and they could not do anything more until the issues they created were rectified. I have been making a payment on this motorhome for almost a year and have been unable to use it. This is costing upwards of {$1200.00} a month for something I am unable to use. This doesnt include the insurance I had to take out before I even took possession of the motorhome because it was a Bank of the West rule for funding the loan. I did receive some duplicate paperwork for myself and the original owner over 2 months ago that I went ahead and completed and was told by the original owner they completed and returned as well. I still cant get an update from the bank on when this situation will be resolved. I have been on a waiting list for a storage spot at the military installation where I work and was finally called about an open spot but was told I could not accept the spot because I didnt have current registration. The spots on base are substantially cheaper than other storage locations so Ive been forced to pay twice as much for a storage spot because Im unable to move the motorhome. The base did agree to hold the spot if I paid for it. In order to not miss out on the available spot, which is also closer to my home, I had to pay for it. Not only am I paying for the motorhome I cant use but Im paying for 2 storage spots and insurance on a vehicle that legally is still not mine and I cant legally operate. To date the motorhome is still registered to the previous owner and I have been given no timeframe for resolution. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF THE WEST | CA | 93036 | Servicemember | Consent provided | Web | 2023-01-17 | Closed with explanation | Yes | null | 6,443,258 |
2016-08-25 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Don't agree with fees charged | My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan.
I have called the company and complained about these things and they told me that all of this is within their rights per the contract.
I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans.
Thanks, XXXX | null | Navient Solutions, LLC. | NY | 117XX | null | Consent provided | Web | 2016-08-25 | Closed with explanation | Yes | Yes | 2,081,470 |
2017-02-01 | Debt collection | Other (i.e. phone, health club, etc.) | Communication tactics | Frequent or repeated calls | I had 11 missed called from them in just 1 DAY.. not including emails. The calls come from different numbers every time I receive a call. When I answer and inform that I will not make a payment until I get paid I start getting harassed about paying my bill before my actual due date. | null | Conn's, Inc. | TX | 76063 | Servicemember | Consent provided | Web | 2017-02-01 | Closed with non-monetary relief | Yes | No | 2,321,854 |
2022-12-07 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | My husband and I had just opened up a joint account with Truist in XX/XX/2022. We had just gotten married and were excited to begin a new relationship with Truist. On XX/XX/XXXX my husband had received an XXXX check from his job for {$1100.00}. My husband endorsed the check and submitted a mobile deposit through his Truist app. Later that evening his card was declined while trying to buy dinner. He was never notified that the account was blocked prior to this. We both reached out to Truist immediately and spoke to the fraud department. No one could tell us why our joint account was frozen/blocked and could only assume it was the check that was deposited earlier for counterfeit. I had requested to speak to a XXXX and no one was available at that time but we were told the problem could be expedited. They recommended we go into a branch which is what we would do the next day. My husband went to a Truist branch located in XXXX, GA. He was told there was nothing they could do for him and was given the same number to the fraud department. So we called again and finally spoke to a XXXX who to no avail, could not give us the reason for the account being frozen and said the check looks like it may be available XX/XX/XXXX. Of course my husband and I are incredibly upset and live paycheck to paycheck. Our rent, car payment, electric, food and gas were all going to be paid from our Truist account. We had no cash or additional funds. At this point my husband can no longer access his account but I am still able to see mine. Thursday XX/XX/XXXX I had saw that my direct deposit for {$1100.00} had deposited into the account via XXXX which is also through XXXX. The account was still frozen and my husbands check had not cleared still, but we now had {$1100.00} available funds. I went to the XXXX XXXX XXXX we opened up our account at in XXXX, GA. I spoke to the teller who could also not tell me what was going on so at that point I requested to speak to a XXXX. I was able to speak to the same XXXX who helped my husband and I open our account. I calmly explained my entire situation to her. She showed little sympathy but that is fine I just wanted my available funds while we waited for my husbands check to clear. She looked up our account and like everyone else before her, could not even locate a note on why the account is frozen. She called the fraud department and spoke to a rep who told her that the check was on hold until XX/XX/XXXX and that is when I would most likely be able to access my account and my funds. They could not provide a reason such as specific fraudulent activity or anything that may have been why they feel the need to freeze the account. The XXXX I was working with asked the rep if I could at least receive the funds I have available already and of course I was told no. She proceeded to give me the number to the fraud department that my husband and I had already received 3 times before. I was of course very upset, got up from the desk and showed her the note that another customer had given me earlier at the bank telling me to go to a different company entirely to do my banking at. I told her my husband and I have no way to purchase food or gas, have no way to pay rent. All she could do was say she was sorry. At this point I was so angry that we ended up having a confrontational exchange of words and I left the branch. I later received a message back from their instagram account. It seemed hopeful and they seemed understanding in their message. I was told to give them XXXX business days to hear back from their leadership team. I have not heard back. It is now XX/XX/XXXX and my husband and I can not access any of our money still. I am saddened to say that this is the worst and most unprofessional experience I have ever had with any company. My husband and I plan to close the account as soon as we receive our money and will be going elsewhere. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | GA | 30114 | null | Consent provided | Web | 2022-12-07 | Closed with explanation | Yes | null | 6,293,978 |
2021-10-28 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I XXXX XXXX looked a my credit report and notice Online Information Services reporting to my report. I then contacted Online Information Services and the company to validate the debt and to provide the original contract but, I never received it. Online Information Services replied with a letter that was in XXXX of my consumer rights. Under the FDCPA XXXX XXXX XXXX. ( XXXX ) and XXXX XXXX XXXX. ( XXXX ). I XXXX have tried to contact Online Information Services to resolve this issue. | null | ONLINE Information Services, Inc. | SC | 29485 | null | Consent provided | Web | 2021-10-29 | Closed with non-monetary relief | Yes | null | 4,855,421 |
2023-01-18 | 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 more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX 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 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX8 times in the last 120 days. 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 homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. | null | EQUIFAX, INC. | IL | 60637 | null | Consent provided | Web | 2023-01-18 | Closed with explanation | Yes | null | 6,453,828 |
2020-07-14 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | XXXX XXXX XXXX And Eastern Accounting System submitted a false workers comp statement to the credit bureau for {$200.00} which made my credit score drop 92 points. I tried contact both companies to remove the inarticulate information for my credit file. Workers comp bill should not be sent to collections and I also never received any written letter from XXXX XXXX or Eastern According System. The federal Fair Debt Collections Practices Act prevents debt collectors from engaging in abusive, deceptive or unfair debt collection methods. This method was unfair and it damage my credit. | Company believes it acted appropriately as authorized by contract or law | Eastern Account Systems of Connecticut, Inc. | NY | 10456 | null | Consent provided | Web | 2020-07-14 | Closed with explanation | Yes | null | 3,745,447 |
2020-12-03 | 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 have asked the credit bureaus to show me how they have validated the negative accounts & the bankruptcies on my credit report. i have sent them letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated. in addition, XXXX XXXX Courts do not verify bankruptcies via 3rd parties, so how are they being validated as accurate? no proof has been furnished to support the accuracy of these accounts being reported. | null | EQUIFAX, INC. | FL | 331XX | null | Consent provided | Web | 2020-12-03 | Closed with explanation | Yes | null | 3,988,514 |
2018-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Billing dispute for services | I enrolled in school back in 2016 and my XXXX diploma was not acceptable and they kicked me out receiving a loan I am not responsible for. XXXX XXXX diploma is not legitimate at all and they knew this I tried resolving this matter and no results. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33756 | null | Consent provided | Web | 2018-03-07 | Closed with explanation | Yes | null | 2,835,602 |
2023-05-08 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I leased my XXXX XXXX in California in XX/XX/XXXX. In XX/XX/XXXX I moved to texas and decided to buy out my lease on that date. I went to XXXX XXXX to pay for registration and pay for sale tax because this is personal use vehicle. I dont have business and this is my personal use. I just got 4 mails from XXXX financial services stated that I own them personal property tax for my lease in XXXX. I already purchased this car in XX/XX/XXXX. They should take off my vehicle Vin number out of their inventory list so XXXX XXXX dont have to send bill to them. I went to XXXX XXXX regarding about this matter and they said nothing to do with me, XXXX XXXX sent tax bills to XXXX because the vehicle still on their inventory. I tried to reach XXXX from their support website and no one reply back to me and try to solve this problem. I got bills again and said I have 10 days left to pay them. This is harassment and it is not about money, I dont like to pay for their mistakes and now will lead to send me to collections for the debts I dont own. Bad business and seem like no one help. Please help me thanks | null | TOYOTA MOTOR CREDIT CORPORATION | TX | 77346 | null | Consent provided | Web | 2023-06-12 | Closed with explanation | Yes | null | 6,942,922 |
2016-07-26 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Not given enough info to verify debt | I contacted the company Credit Protection Association in XXXX Texas and paid them the amount owed per their contract with the original creditor XXXX in XXXX Florida. I am currently purchasing a home and asked them the supply a letter stating the account is paid in full. After contacting them several times over the last three weeks beginning XXXX XXXX, they stated will take 24-48 hours to update in their system. And I will receive a letter in two weeks, when I moved out of my apartment on XXXX XXXX, I still had not received the letter.
I contacted them again on XXXX XXXX @ XXXX EST and they still have not supplied me with a letter stating the account is paid in full.
I spoke with the Floor Supervisor, XXXX, who puts me on hold and 22 minutes later, tells me they emailed me, but than states she wants me to give me the name of the lender with my personal information and they will call them.
I stated I would like the letter they promised when I contacted them on XXXX XXXX. | Company believes it acted appropriately as authorized by contract or law | Credit Protection Association, L.P. | FL | 32712 | null | Consent provided | Web | 2016-07-28 | Closed with non-monetary relief | Yes | No | 2,031,775 |
2022-08-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28451 | null | Consent provided | Web | 2022-08-09 | Closed with non-monetary relief | Yes | null | 5,858,842 |
2021-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This account from Gateway Lending and Finance is fraudulent. I never had a loan open with them. | null | Santander Consumer USA Holdings Inc. | FL | 32839 | null | Consent provided | Web | 2021-08-08 | Closed with non-monetary relief | Yes | null | 4,612,793 |
2020-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I had a mortgage with XXXX XXXX. I have never been late with any of my mortgage payments. I am in the process of closing on my home next week. I have been getting the run around from XXXX for over 30 days. They have agreed they made a mistake with the information they shared with the credit bureaus of me being 120 days past due on XX/XX/20. My wife and I were approved for a new home and now we can't get credit approval with this latest info. | null | EQUIFAX, INC. | FL | 32208 | Older American | Consent provided | Web | 2020-07-07 | Closed with explanation | Yes | null | 3,733,625 |
2019-11-26 | 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 | XX/XX/18 fraudulent hard inquiry to my XXXX report by Santander. Attaching relevant police report. XXXX instructed me to contact each company making fraudulent inquiry individually. | null | Santander Consumer USA Holdings Inc. | CA | 91942 | null | Consent provided | Web | 2019-11-26 | Closed with explanation | Yes | null | 3,451,346 |
2023-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), FactorTrust, XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ).
According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts.
The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/ Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Attached to this complaint are supporting documents to validate the accuracy of my personal information. | null | Factor Trust | IA | 523XX | null | Consent provided | Web | 2023-02-23 | Closed with explanation | Yes | null | 6,607,179 |
2023-03-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | XXXX Account # XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit profile.
Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above reference account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Deb Collection Practices Act 15 USC 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15U.S.C. 1681n ] | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NE | 684XX | null | Consent provided | Web | 2023-03-01 | Closed with explanation | Yes | null | 6,627,480 |
2021-08-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court. | null | EQUIFAX, INC. | GA | XXXXX | null | Consent provided | Web | 2021-08-26 | Closed with explanation | Yes | null | 4,665,092 |
2022-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XX/XX/2022 I gave written instruction and what to include and what not to include on my consumer report. This elaborate mechanism does not have permissible purpose and I did not give consent to furnish to furnish this information on my consume report. As a federally protected consumer my rights are still being violated. If my written instructions are not followed I will seek litigation. | null | EQUIFAX, INC. | IL | 60505 | null | Consent provided | Web | 2022-09-13 | Closed with explanation | Yes | null | 5,971,965 |
2022-12-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 | null | EQUIFAX, INC. | FL | 33463 | null | Consent provided | Web | 2022-12-30 | Closed with explanation | Yes | null | 6,373,864 |
2023-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33615 | null | Consent provided | Web | 2023-08-21 | Closed with non-monetary relief | Yes | null | 7,430,990 |
2019-03-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85302 | Servicemember | Consent provided | Web | 2019-03-19 | Closed with explanation | Yes | null | 3,183,943 |
2023-09-13 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Transunion Consumer Solutions XXXX XXXX XXXX, XXXX XXXX PA XXXX XXXX To whom it may concern, I was informed by your company ( Transunion ) that account number ( XXXX ) with XXXX XXXX was deleted from my credit report.
I have now realized that this same item was REINSERTED onto my credit report!
In accordance with the requirements of the FCRA SECTION611 ( 15 U.S.C 1681I ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertionin writing not later than 5 business days after the XXXX, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA!
I demand that you immediately Delete this Account from my credit report in order to avoid legal action.
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Fl XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33805 | null | Consent provided | Web | 2023-09-13 | Closed with non-monetary relief | Yes | null | 7,536,984 |
2019-12-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been in the care of my fiance ' for over 12 years in which I have been well cared for and did not have to want for aqnything notr had I any need for credit as he provided everything for me upon his insistence. My fiance ' recently died and I have been in need of housing for myseklf, so I have checked my credit with a monitoring service and have found out that my credit has been used for someone to obtain various services and products. I have files various fraud affidavits with local police, FTC, and other credit service provided to putan end to this fraudulent use of my personal information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90037 | null | Consent provided | Web | 2019-12-19 | Closed with explanation | Yes | null | 3,473,157 |
2022-10-12 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I received a letter in the mail from a company called The Law Offices of Mitchell D. Bluhm & Associates , LLC. The letter is dated XXXX XXXX and describes a debt that is attempting to be collected from dates of service XXXX and XXXX with a company named XXXX XXXX at XXXX XXXX in XXXX, AZ. I am a very financially responsible and organized individual who pays any bills owed as soon as possible and have incredible credit history with no overdue bills in my life. I never received a bill from XXXX XXXX back in XXXX and this is the first that I am hearing about this outstanding debt. I spoke with a woman at The Law Offices of Mitchell D. Bluhm & Associates , LLC this morning ( XXXX ) and she told me that I can dispute the claim if I'd like ( for the amount of {$210.00} ), but that my credit will still be hit on XXXX regardless. Her solution was to file a police report if I don't believe that the debt was mine. I next called XXXX XXXX 's billing department and spoke with a woman there the same morning ( XXXX ) and she stated that I have no outstanding balance with them and that it shows that everything was paid in full by my insurance from those dates. She mentioned that they use another company for their imaging and that I should try getting in touch with XXXX XXXX to see why they sent me to collections without ever sending me a bill. I tried contacting XXXX Partners on XXXX and after several minutes of the phone ringing, my call was disconnected. I researched both XXXX XXXX and the Law Offices of Mitchell D. Bluhm & Associates , LLC, and I read several XXXX reviews and complaints with the XXXX which state very similar situations to mine. It seems many people have received notices from this debt collection company for dates of service from over 2 years ago and had not received any notices of outstanding bills prior to hearing from the collection company. | null | The Law Offices of Mitchell D. Bluhm & Associates | FL | 33324 | null | Consent provided | Web | 2022-10-12 | Closed with non-monetary relief | Yes | null | 6,078,003 |
2017-11-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is a follow up to CFPB case # XXXX For the third time - the inquiry on my XXXX credit report ( see attached ) does not belong to me : " WF CRD SVC on XX/XX/XXXX '' ... I have never applied for a Wells Fargo account. I have sent you a certified letter that was received back on XX/XX/XXXX that was never responded to. XXXX says I must talk to you to correct the problem.
As you can see in the attached letter sent from XXXX XXXX in response to the prior CFPB case - you have my name as XXXX XXXX ( see attached ). This is not me! XXXX has also sent me fraud alert that somebody has attempted to use a variation of my name. ( see attached ).
Please remove this inquiry at once. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | XXXXX | null | Consent provided | Web | 2017-11-18 | Closed with explanation | Yes | null | 2,732,683 |
2023-03-18 | 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 dont recognize theses inquiries and want this off my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 45215 | null | Consent provided | Web | 2023-03-18 | Closed with non-monetary relief | Yes | null | 6,716,405 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | account # XXXX Fay Servicing LLC reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report.
Account # XXXX XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease. | null | Fay Servicing, LLC | FL | 32277 | Servicemember | Consent provided | Web | 2023-09-06 | Closed with explanation | Yes | null | 7,511,861 |
2022-01-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85122 | null | Consent provided | Web | 2022-01-14 | Closed with non-monetary relief | Yes | null | 5,111,217 |
2018-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XXXX of 2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are XXXX XXXX XXXX, XXXX XXXX XXXX and GM Financal. | null | General Motors Financial Company, Inc. | CA | 92395 | Servicemember | Consent provided | Web | 2018-02-24 | Closed with explanation | Yes | null | 2,824,254 |
2023-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 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 1666a : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
15 U.S.C 6802b : Opt Out | null | EQUIFAX, INC. | PA | 19082 | null | Consent provided | Web | 2023-05-20 | Closed with explanation | Yes | null | 7,004,911 |
2017-08-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX XXXX sent me an email describing a bundling package where they handle the billing for the internet services and XXXX XXXX in one package. The price was {$89.00} + tax for both internet and TV services. I called and qualified the items on the email I received from XXXX with the XXXX sales person and he said yes! that is the package I will sign you up for. I asked him to send an email confirming that and he said he needs to complete the sign up process and needs my credit card before he can do that. After installation, the installation Teck. asked me to sign saying that he had finished installation and that I was satisfied with the installation and I did. 3 day later not receiving my email confirmation from XXXX or XXXX I called both of them and they said they would not honor the email sent from XXXX and if I cancelled the {$200.00} a month service they will charge me a early termination fee of {$450.00}. I did cancel and I did not pay their extortion money. Two items have been placed on my credit report. 1. from XXXX who sold it to ( XXXX XXXX ) and they list it as in collection for {$440.00} 2. From XXXX who list it as a charge off for {$240.00}. These two actions have dropped my FICO score from XXXX to XXXX. These are the only derogatory remarks on what was a very solid and well earned credit score. I would like to have both of these items removed. I will attach the email I received from XXXX and the last billing statement from XXXX. Thanks! Sincerely " Victim of XXXX purchasing XXXX XXXX '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90805 | null | Consent provided | Web | 2017-08-13 | Closed with non-monetary relief | Yes | null | 2,603,251 |
2018-09-21 | Debt collection | Other debt | Communication tactics | Frequent or repeated calls | I explained I am at work and can not receive call during the hours of Monday thru Friday XXXX to XXXX. They continue to call. | null | PORTFOLIO RECOVERY ASSOCIATES INC | TX | 77090 | null | Consent provided | Web | 2018-09-21 | Closed with non-monetary relief | Yes | null | 3,025,710 |
2022-09-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I told Esperian via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in prison since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. XXXX also have these inquiries doing this time period on my credit file. I need help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 953XX | Servicemember | Consent provided | Web | 2022-09-27 | Closed with explanation | Yes | null | 5,956,128 |
2023-07-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | These companies have reported late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 93550 | null | Consent provided | Web | 2023-07-01 | Closed with explanation | Yes | null | 7,185,628 |
2016-08-17 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | Dear CFPB : A collection agency, XXXX XXXX XXXX or XXXX sent a standard form letter advising I owed XXXX {$30.00}. I disputed the debt and requested they provide validity of the debt. They subsequently sent the same standard letter provided the first time.
As a result, I provided evidence that the debt was paid in full over a year ago and again asked for concrete proof that an additional {$30.00} was owed. Instead of providing the additional evidence, they forwarded the debt to another collection agency ; the account number, amount of debt are all the dame, excpept a new debt collector, Diversified Consultants XXXX Inc., is now assigned.
It appears the debt collection is a scam or sham. The debt collectors are in violation of the Fair Debt Collection Practices Act. Instead of providing validity of the so-called debt that is in dispute, they simply transfer collection responsibility. The end result I am being hassled with having to enforce my rights against a bogus claim which is wasting my time and energy.
In addition, they are not in compliance with the 30 day notification requirement. They date their correspondence one day and the postmarked is a much later date and by the time I get the mail I have XXXX14 days to respond. I ask that you investigate these companies as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX CCS File Number : XXXX XXXX XXXX or XXXX Diversified Consultants , Inc .
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX Amount Due : {$30.00} Creditor Account # : XXXX File Number : XXXX thank you very much for your assistance and cooperation in this matter. If you have questions please let me know. | null | Diversified Consultants, Inc. | VA | 22033 | Servicemember | Consent provided | Web | 2016-08-17 | Closed with explanation | Yes | No | 2,068,545 |
2020-05-08 | 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 recently checked my report after trying to purchase a car and was denied. I notice multiple hard inquires for the car dealership trying to push for me to get an approved loan but I did not authorize these transactions. | null | Global Lending Services LLC | GA | 30238 | null | Consent provided | Web | 2020-05-08 | Closed with explanation | Yes | null | 3,643,788 |
2023-04-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23324 | null | Consent provided | Web | 2023-04-25 | Closed with non-monetary relief | Yes | null | 6,889,324 |
2019-07-17 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I opened my CITI secured card in XX/XX/XXXX. By XX/XX/XXXX, my secured card was closed and my e statements were restricted shortly after that. In XX/XX/XXXX, on numerous occasions I called in to inquire about my Citi bank credit card. The debt is listed on my credit report as failed to pay. Citi bank has horrible customer service representatives that are not thorough when review information or providing the facts that I requested. I paid a security deposit to my account so when my account was closed the amount owed was XXXX. I was charged fees that were not valid and Citi has refused to address my concerns for the past year. In XX/XX/XXXX, I formally filed a dispute via mail and receive a generic response stating that Citi was favored in the dispute process which is overtly biased based on their internal team review the account. I never got information that I requested about contacting the credit management department or any other department beside their recovery team who have been little to no help. Their ways of handling consumers and their monies are erroneous. It's a power struggle working with a big company that has created a maze of tunnels so that consumers are frustrated befor their concerns are met with solutions. In summary, I do not owe any amount over the balance after my account was credited. I would like to have a manager from the credit department contact me about this matter. Also, I would like to be provided a letter with the date of closure and reason why the account was closed in the first place. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | PA | 19150 | null | Consent provided | Web | 2019-07-17 | Closed with explanation | Yes | null | 3,309,480 |
2019-07-01 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | I have a credit card debt with XXXX. Im not sure the date on that but its been a couple years. XXXX I believe. They call from different numbers every day. I call back and tell them to leave me alone when I have the money I will pay them. I have tired this, I have tried to actually pay them and they try to take more then what I owe. They call all the time and leave threatening voicemails from different numbers telling me that they are taking me to court that if I dont give them the money I will have legal action taken against me. | null | Bread Financial Holdings, Inc. | MI | 49221 | null | Consent provided | Web | 2019-07-03 | Closed with non-monetary relief | Yes | null | 3,292,171 |
2018-08-18 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017. | null | DISCOVER BANK | CA | 90059 | null | Consent provided | Web | 2018-08-18 | Closed with explanation | Yes | null | 2,995,066 |
2023-02-24 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | I am requesting that CFPB investigate how Comenity Bank, the servicer for the retailer XXXX, is assessing interest fees on accounts that have balances that are carried forward into the following billing cycle.
In XX/XX/2022, I had a balance that carried forward. I subsequently paid the balance in full and Comenity Bank has continued to assess interest charges.
I paid the balance on my XXXX statement in full and Comenity Bank assessed {$2.00} interest. On XX/XX/XXXX, I paid {$2.00} and for 5 days the balance was XXXX until I used my card for another purchase. Comenity Bank charged me {$2.00} in interest on my XXXX statement despite the last interest fee having been paid and the account having a XXXX balance for 5 days before another charge was made. Comenity Bank is stating that I can't use my card until the next business cycle or they will continue to assess interest charges.
This practice is nickel and dimeing consumers. | null | Bread Financial Holdings, Inc. | CA | 92024 | null | Consent provided | Web | 2023-02-24 | Closed with monetary relief | Yes | null | 6,605,906 |
2021-05-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am notifying you that I mailed XXXX, XXXX, and Equifax a dispute letter about their inaccuracies and incorrect information. There was XXXX ( XXXX XXXX XXXX XXXX XXXX ) accounts that I notified them about because I found too many errors and inaccuracies. I mailed the letters out on XX/XX/2021. XXXX, XXXX, and Equifax has not responded to my dispute letters and its been over XXXX plus days and that's a violation. They have not issued a notice of dispute on neither of the XXXX accounts. | null | EQUIFAX, INC. | MO | 63033 | null | Consent provided | Web | 2021-05-11 | Closed with explanation | Yes | null | 4,369,344 |
2023-03-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report. I have noticed certain negative items on my report that I believe are inaccurate and damaging my credit score. I request that you investigate these items and take appropriate actions to correct them, in accordance with the Fair Credit Reporting Act ( FCRA ).
The details of these negative items are as follows : XXXX XXXX XXXXXXXX - XXXX Number : XXXX I am not aware of this bankruptcy and believe that it does not belong to me. Under the FCRA, it is my right to request that you remove this item from my credit file, and I request that you do so immediately.
The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were not authorized by me, and under the FCRA, it is my right to request that you remove them from my credit report. Additionally, these inquiries have reached the statute of limitations, and as such, I request that you remove them from my credit report immediately.
XXXX - Date of inquiry : XX/XX/XXXX This inquiry has also reached the statute of limitations, and under the FCRA, it is my right to request that you remove it from my credit report.
XXXX - Account Number : XXXX I have never had any business relationship with this company, and therefore, there is no way this account belongs to me. According to the FCRA, it is my right to request that you delete this unknown account from my credit report immediately.
XXXX XXXX XXXX - Account Number : XXXX I have no record of this account, and under the FCRA, it is my right to request that you remove this inaccurate information from my credit report without delay.
I would like to remind you that under the FCRA, you are obligated to investigate my dispute within 30 days and provide me with a written report of your findings. Additionally, if you find that any of the disputed items are inaccurate or incomplete, you must correct or delete them from my credit report.
Thank you for your attention to this matter. I look forward to your prompt response.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75039 | null | Consent provided | Web | 2023-03-20 | Closed with explanation | Yes | null | 6,722,574 |
2022-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.
I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7
) to request a complete description of all methods used to investigate my aforementioned dispute.
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate.
I've also reached out to the furnisher myself and they mailed me back a letter stating they didn't know what I was disputing so how is that you verified these items that are still showing inaccurate information. Please see attached letter for my proof | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19141 | null | Consent provided | Web | 2022-07-26 | Closed with non-monetary relief | Yes | null | 5,814,581 |
2023-01-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | null | EQUIFAX, INC. | TX | 75252 | null | Consent provided | Web | 2023-01-02 | Closed with explanation | Yes | null | 6,385,871 |