Datasets:

aciborowska

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customers-complaints

like 1

2022-09-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX here, and I'm sending you a complaint today to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. Here is a list of the accounts that don't belong to me or that weren't opened with my consent XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Assigned XX/XX/XXXX Original Balance {$1500.00} XXXX XXXX XXXXXXXX Date Assigned XX/XX/XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Balance {$1300.00}. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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

Experian Information Solutions Inc.

NY

11224

Consent provided

Web

2022-09-15

Closed with non-monetary relief

Yes

2023-09-25

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32210

Consent provided

Web

2023-09-25

Closed with non-monetary relief

Yes

2022-11-25

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, 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

EQUIFAX, INC.

CA

91709

Consent provided

Web

2022-11-25

Closed with explanation

Yes

2018-05-10

Vehicle loan or lease

Lease

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

The company saddleback acceptance repo mycar in 2014 nd was sold but they are still reporting to the bureau companys that the payment is still late i no longer have the car so how is this possible my score goes down 20 points every month this is a nightmare and very unexceptional false information how is this company able to do this.the account is a charge off and is closed but just reported that it went up {$60.00}

Saddleback Acceptance Corporation

CA

92253

Consent provided

Web

2018-06-06

Closed with explanation

Yes

2023-06-16

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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

Experian Information Solutions Inc.

NC

273XX

Consent provided

Web

2023-06-16

Closed with non-monetary relief

Yes

2021-08-17

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

Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but to this day over 60 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

08021

Consent provided

Web

2021-08-17

Closed with explanation

Yes

2023-10-16

Vehicle loan or lease

Loan

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

On XX/XX/XXXX, we purchased a XXXXXXXX XXXX XXXX XXXX XXXX and financed it with Vystar Credit Union XXXX XXXX XXXX XXXX, FL XXXX. I set up automatic payments through my XXXX XXXX XXXXXXXX checking account that were transmitted successfully for 15 months. In addition, all of these payments included additional principal payments. On XX/XX/XXXX, I received an alert from my credit monitoring service of an adverse entry in my report, a 30 delinquent account reported by Vystar. I had not received any communications from Vystar regarding this account being in the rears. I contacted Vystar and was told they had not received my XXXX payment ( due XX/XX/XXXX, and also my XXXX XXXX ( due XX/XX/XXXX ). Although both payments cleared my bank on XXXX and XXXX respectively. I was told to get the electronic trace numbers from XXXX, which I did for both payments and provided to Vystar. On XX/XX/XXXX, I was notified that they had found both payments, reversed the late fee for XXXX, and credited both payments to my account. However, no one at Vystar knew how to correct their reporting to the credit bureaus. It took an Email to senior leadership to get that done. This morning, I got another alert that XXXX had received yet another delinquent account notice from my Vystar account, showing my XXXX payment 14 days past due, yet again ( paid and cleared on XXXX ). Again I did not receive any notice from Vystar that his account was in rears, which it shouldn't be since they claimed they credited both payments on XXXX XXXX. These two actions by Vystar had a negative impact on my credit rating, dropping it from XXXX to XXXX. Ironically, on XX/XX/XXXX once these payments were credited I complained to senior management. My credit rating went back up, only to once again drop. I find it distressing that despite having two phone numbers, email, and snail mail address Vystar makes no effort to notify a borrow of a late payment. This is the 21st century and every other creditor has an automated system to do so. Yet, Vystar 's only automation is to turn to the credit bureaus. I have to wonder, if I didn't have credit monitoring how long would they have continued to hold my money without crediting to my account? Would I have found out about it when the repo agent came for my RV?

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

VYSTAR CREDIT UNION

FL

XXXXX

Older American

Consent provided

Web

2023-10-16

Closed with explanation

Yes

2022-08-21

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

On XX/XX/2022, I was the victim of a scam that was very sophisticated, impersonating the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, FL and telling me that I had failed to show up for a court appearance on XX/XX/XXXX and had to immediately pay {$3000.00} or be arrested and have a bond of {$30000.00}. I was completely unaware of this supposed court appearance but because I had been involved as a board member with a set of two organizations ( XXXX XXXX XXXX XXXX and XXXX XXXX ) that has a long and contentious legal battle, it did not seem implausible that I had been summoned to testify. I could not understand why the summons never appeared at my office -- that didn't make any sense. I did all my due diligence on the phone with this person who i genuinely believed -- because he had all this accurate in depth information. I ask the person who called for his badge number, making sure there was someone by that name employed at the XXXX. I then asked for his supervisor 's name and he transferred me to that person who also provided me with a badge number. They had citation numbers for me on what they were threatening arrest for. It was a very sophisticated scam and every fact checked out. These scammers had my office address, citation numbers, and very threatening language. The person impersonating the XXXX deputy insisted that I had to pay this money in cash or by XXXX or apple pay. I tried to do so to avoid being arrested and kept getting back responses from them that the XXXX financial department. Ultimately I ended up losing {$7000.00} to this sophisticated scammers, money that I had to take from my small business payroll account. I filed a crime report with the XXXX XXXX XXXX XXXX, which I can provide for you. On Sunday XX/XX/XXXX, I called Bank of America who is the bank that processed the payment through XXXX and XXXX and explained that there was a police report documenting all of this and this type of scam is not very well known and I was trying to avoid getting arrested. We have been 20+ year customers there and I have five accounts with them -- personal checking, personal savings, two accounts for our children, and a business account. They told me there was nothing they do to help us. This really feels unsatisfying given our long term relationship with BOA, the crime report, and the sophisticated nature of the scam, which provided so many realistic details. I truly believe BOA could reverse these payments in the interests of doing the right thing for a long term customer.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

FL

33624

Consent provided

Web

2022-08-21

Closed with explanation

Yes

2022-03-30

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2022 I received an email stating my dispute results were ready. The company still refuses to removed the items I disputed. At this time, I am requesting an audit of the investigation that took place for the dispute report # XXXX, and investigation # XXXX.

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

Experian Information Solutions Inc.

MD

20774

Consent provided

Web

2022-03-30

Closed with explanation

Yes

2023-06-06

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

Other personal consumer report

Problem with a company's investigation into an existing issue

Their investigation did not fix an error on your report

I have been trying to get Chexsystems to remove fraudulent inquiries from my report for accounts I did not open. Each time I submit a dispute, it comes back verified despite me stating that it was the result of Identity Theft. Of course, if SOMEONE else applied for accounts in my name the inquiry did indeed occur, but not by me. I have submitted my reports stating that I did not myself apply for these accounts and submitted an FTC report, they are stonewalling me. They lose my affidavit, but then tell me to get it signed by a police XXXX. The first time I called, it was said to get the FTC report, and that a police signature was not needed. Each time I try, it's something new to stall the removal of inquiries I did not make. Each time I get different hoops to jump through that the previous person did not suggest or make clear.

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

Fidelity National Information Services, Inc. (FNIS)

DE

19701

Servicemember

Consent provided

Web

2023-06-06

Closed with explanation

Yes

2018-11-26

Student loan

Private student loan

Dealing with your lender or servicer

Trouble with how payments are being handled

I signed a interest only payment for my private loans. I have steadily paged off my loans for 5 to 6 years and my balance has not dropped. I signed a interest only at 12.5 percent and now after 6 months it is up to 14.5 percent. My credit score is higher than it was when I signed the Interest only payments. But they have refused to offer me any other solution to lowering my parents which is XXXX not including my 6 other federal loans. They have only offered me interest only payments and they will not help lower my payments. Federal loans I have gone into income driven payments which has helped tremendously. I have save 200 dollars this way. A month between 5 other loans. I have had bad advice from this company. Early 2000s they had told me to stop paying my payments for 2 months andthe and they will have to offer me a reduced payment plan. Did that and nothing happened. I have been out of school for 11 years and 14 from my.other school. I have yet to make a dent in the loan. I took out a private federal lone of XXXX and now it is up to over 30k. O have ran out of forbearance for my private loans and struggling to may other payments since this is my main loan confer to pay off. When in school my interest rate was set at 19 % my interest did drop to 6 but then jumped up again once I was making headway to paying off the loan. I am exhausting my funds and I am paying close to 800 dollars a month in student loans and I make close to 40k a year. I need some type of relief.

Navient Solutions, LLC.

HI

967XX

Consent provided

Web

2018-11-26

Closed with explanation

Yes

2018-03-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There is a Cabelas authorized user account appearing on my credit report from XXXX. I have disputed this account numerous times, yet it is still appearing and causing my score to drop by a great deal because the account is a charge off. This account DOES NOT belong to me. This has been going on for over a year. Capital One reported the account as recently as XX/XX/2018.

CAPITAL ONE FINANCIAL CORPORATION

MD

21117

Consent provided

Web

2018-03-14

Closed with explanation

Yes

2023-05-15

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

Credit reporting

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

Their investigation did not fix an error on your report

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this Please help me with this situation

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

Experian Information Solutions Inc.

FL

323XX

Servicemember

Consent provided

Web

2023-05-15

Closed with non-monetary relief

Yes

2021-04-21

Debt collection

Other debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

To whom it may concern : I received a notice from XXXX XXXX XXXX saying that on XXXX XXXX, XXXX, their client alleged that while I was leaving a parallel parking space on a XXXX XXXX, I backed into their vehicle and fled the scene. XXXX alleged that their client took their vehicle to the claims adjuster and they adjudicated the claim in the amount of {$130.00}. When I called to inquire about the allegation, XXXX claimed that their client had a video of the alleged incident. In complete disbelieve that XXXX alleged that my vehicle caused {$130.00} worth of damage to their clients vehicle, I requested, in good faith, to view or receive a copy of the video to determine that it was indeed my vehicle responsible for the incident -- XXXX, over the course of XXXX months, neglected to communicate with me nor send a copy of the video. In XX/XX/XXXX, having received no communication from XXXX, I wrote them via their web portal requesting them to dismiss the claim. The company, again, did not respond to my inquiry and instead sent my case to collections.

Wilber and Associates, P.C.

MD

21045

Consent provided

Web

2021-04-21

Closed with non-monetary relief

Yes

2022-08-01

Checking or savings account

Other banking product or service

Managing an account

Funds not handled or disbursed as instructed

In XXXX I went into the bank to withdraw {$1200.00} from my business account that had roughly {$1400.00}. I used my debit card with the teller, punched in my pin and he gave me the {$1200.00}. A few hours later the teller calls me and says that I need to return the {$1200.00} since a charge went through and he can no longer put the transaction through. I told him I couldn't bring it back since it was used. The teller called again and I explained again that I couldn't bring the {$1200.00} back. He took the money from my personal account without my permission along with the funds from a joint account that I hold with my husband who's XXXX check gets deposited in. When I saw what happened to the accounts I called the bank back and spoke with the teller and he pretty much called me a thief for him not doing his job. He took it upon himself to steal money from me and my husband to cover himself. I was forced to cancel a sick appointment since I did not have the funds to pay for it. It wasn't until the next day that the funds were returned to the correct account. I have spoken with the bank and I don't think they are taking it very seriously. I am not sure if this is even the correct way to go about it. I do need some help in trying to get this figured out.

CITIZENS FINANCIAL GROUP, INC.

MA

018XX

Consent provided

Web

2022-08-01

Closed with explanation

Yes

2017-09-06

Student loan

Private student loan

Dealing with your lender or servicer

Received bad information about your loan

I got a letter in the mail from Discover student loan, saying they sent me a check that was never cashed. It mentioned I must cash byXX/XX/XXXX or call to get it reissued. However I did not get this letter until after XX/XX/XXXX. I called their toll free number that was stated in the letter but they said they had no information regarding this check, when it was sent, the amount, etc and I must contact the XXXX to get this resolved.

DISCOVER BANK

IL

60013

Consent provided

Web

2017-09-06

Closed with non-monetary relief

Yes

2022-12-12

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

Credit reporting

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

Their investigation did not fix an error on your report

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

EQUIFAX, INC.

LA

71303

Consent provided

Web

2022-12-12

Closed with explanation

Yes

2022-04-20

Debt collection

Other debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

When I was contacted by Credit Management LP, I was informed of my debt but was instructed that should I make payment arrangements and held true to those arrangements that the debt would not be reported to the credit bureaus. Once I made my final payment on time, it was reported to the credit bureaus not only that it was a collection account but that it was late. I have since disputed with This with the bureaus, but it remains on my credit as a collection account when it should not have been reported at all per my agreement with Credit MAnagement LP

Company disputes the facts presented in the complaint

The CMI Group, Inc.

GA

30329

Consent provided

Web

2022-05-12

Closed with non-monetary relief

Yes

2023-02-22

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

Credit reporting

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

Their investigation did not fix an error on your report

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

VA

20109

Consent provided

Web

2023-02-22

Closed with non-monetary relief

Yes

2023-03-09

Credit card or prepaid card

Store credit card

Other features, terms, or problems

Other problem

On XX/XX/XXXX I called express asking that my husband XXXX XXXX be removed as authorized buyer and a letter stating that he was removed. I was informed do to a XXXX ongoing system error removing my husband wasn't possible. On XX/XX/XXXX or XXXX a Sr supervisor was finally able to remove my husband XXXX as authorized buyer and I again requested a letter stating specifically that " XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' I informed customer care that the letter must state his name specifically so our lender could take it to credit Bureau so we may get our mortgage loan. I have called 18 times since XX/XX/XXXX and spent more than XXXX on the phone trying to resolve this issue. I have even sent messages through express app and I still don't have the letter I need. Comenity has gone as far as to open a dispute claim I didn't request when I told them I would go public with everything they have put me through including when they refused to take XXXX payments ( back in XXXX and XXXX ) so I would be charged late fees. The payment refusal issue had been resolved back on in XXXX XXXX. Something I have since learned from reading reviews is common practice. Comenity.net 's refusal to issue this letter could leave our family homeless as our mortgage won't clear without this specific letter. When calling and asking for this letter comenity sends me a template letter that only says " authorized buyer has been removed '' and I have told them their template letter isn't enough. Now they are trying to drag this out 90days with a dispute claim I didn't ask for. I have received 3 letters all saying " authorized buyer '' has been removed but the letter needs to state " To whom it may concern ; XXXX XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' on express letter head. Why they aren't doing this is beyond my understanding my lender says this is standard practice and shouldn't have taken any longer than 72hrz. Can you please help use get this cleared up so we can get our mortgage loan. Sincerely XXXX XXXX XXXX

Bread Financial Holdings, Inc.

MI

490XX

Consent provided

Web

2023-04-03

Closed with non-monetary relief

Yes

2018-03-10

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

Grant Mercantile Agency Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.

Grant Mercantile Agency

CA

XXXXX

Consent provided

Web

2018-03-10

Closed with explanation

Yes

2021-05-12

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

I had an old medical account in which Transworld system picked up i called and asked if i paid the debt will it be removed from my Credit report they stated yes pending payment this was now 3 yrs ago an it has a negative impact on me trying to purchase a house. The company is refusing to help.

TRANSWORLD SYSTEMS INC

PA

19124

Consent provided

Web

2021-05-18

Closed with explanation

Yes

2019-07-24

Credit card or prepaid card

Store credit card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

Greetings. This complaint is regarding a Home Depot credit card which is through Citibank. As a part of the revolving line of credit we are frequently given " promotional offers ''. The promotional offer in question was for a purchase in excess of {$290.00} and there would be no minimum payment due and no interest due if paid in full by the end of 18 months. This promotional period ends XX/XX/XXXX. The details are that we make the minimum payment for the revolving line of credit and for any payments made in excess of that, I request the monies be applied to a specific " promotional balance ''. On a regular basis, the amount I am paying toward a promotional balance is applied to the revolving line. Three payments from this situation that were not applied to the balance I denoted are : {$200.00} paid XX/XX/XXXX, {$200.00} paid XX/XX/XXXX ( together with the revolving payment of {$86.00} ), and {$440.00} paid XX/XX/XXXX. The promotional balance due XX/XX/XXXX has been paid in full but Citi misappropriates my payments. I have spoken with multiple reps from Citibank ( specifically XX/XX/XXXX and XX/XX/XXXX ) who have told me that I correctly processed my payments and directed the monies to the promotional balance. The monies are RE-DIRECTED by the bank from the promotional balance to the revolving line because I made my online payments near the end of the billing cycle. They admit that the system glitch is theirs but continue to " miss '' apply payments and require me to be in contact with them ( 6 times thus far ) for correction. In writing, I have been advised twice that the payments were correctly applied. I have been advised during two calls that the payments were applied correctly. I have spoken with three of their reps ( most recently : today a " management team representative '' who after researching the issue finally agreed they misapplied my payments. I told him that we have this happen often ( the XX/XX/XXXX payment has still not been correctly applied ) and he sarcastically said their system is not perfect ... My complaint is that if they are applying monies to the revolving live and not the promotional balances designated, the promotional balances will not be paid in full on time and interest will be due. Is this a scam so they can charge interest? If their system is known to make posting errors, why am I not contacted and asked how I intended to apply my payment- Oh, they do not need to ask me how I wanted the monies applied because my transaction is online in their system. As I have made no mistakes in making my payments, I should not have to continually ask for correction that does not happen, right? If in their payments log, it would show to which account the payment was applied, customers would have a better chance of catching their errors more quickly, or maybe they could just apply payments as I designate them. I am very thankful that I can find assistance for this through the government. Please contact me if anything further is needed. This account in in the name of XXXX XXXX XXXX and was opened in XXXX, We reside in Texas. Many thanks to all who review, reply or act on this request. XXXX, XXXX and XXXX XXXX

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

CITIBANK, N.A.

TX

764XX

Consent provided

Web

2019-07-24

Closed with non-monetary relief

Yes

2018-03-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/XXXX, I mailed two debt validation letters to XXXX XXXX XXXX, one to XXXXXXXX XXXX XXXX, XXXX, TX XXXX and the other to XXXX XXXX XXXXXXXX, XXXX XXXX, MO XXXX. I will attach a .pdf of the exact validation letter, the document was received on XX/XX/XXXX at XXXX XXXX with no confirmation or acknowledgment having ever been mailed back to me since the company received my letter. I have already tried to correct this matter by filing a complaint with the Office of Civil Rights through The Department of Financial Services against the hospital and the debt collector, complaints number : XXXX & XXXX, and just recently, The XXXX XXXX XXXX on XX/XX/XXXX. They have no documents proving that the debt belongs to me, no itemized bill, and then there's the fact that the debt is also under XXXX XXXX XXXX, clearly, The Social Security Administration and The State of Florida couldn't possibly be mistaken in confirming that my name is, and has been for quite some time, XXXX " XXXX '' XXXX. XXXX has just recently posted a collection account to my credit report on XX/XX/XXXX for an unsubstantiated account on a patron with two insurance policies. How can they so boldly defy the constructs that govern their industry? It is impossible for me to have any outstanding debt from XX/XX/XXXX, my primary policy 's Family Deductible and the Annual Deductible was surpassed in XX/XX/XXXX due to expenses related to my XXXX. I have never seen a company so brazen as to kick an unemployed upstanding citizen while they're down and trying to care for their infant on a very constrained budget.

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

Experian Information Solutions Inc.

FL

34953

Consent provided

Web

2018-03-25

Closed with explanation

Yes

2018-10-17

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

Credit reporting

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

Investigation took more than 30 days

On XX/XX/XXXX, my husband and I sent a letter to Equifax, asking them to investigate errors on our credit report. Our understanding was that Equifax was supposed to respond within 30 days. Well, my husband received his investigation results from Equifax weeks ago, but I have yet to receive my investigation results. I have sent a follow-up letter to Equifax about this, but that hasn't been responded to either.

EQUIFAX, INC.

NY

10035

Consent provided

Web

2018-10-17

Closed with explanation

Yes

2022-10-20

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 XXXX 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.

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

Experian Information Solutions Inc.

NC

XXXXX

Consent provided

Web

2022-10-20

Closed with explanation

Yes

2017-06-24

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I contacted the GC servies, credit bureaus, and the BBB trying to get this collection agency to remove this debt from XXXX XXXX from my credit file. GC services continues to report / verify this debt even though there is not signed contract with either XXXX XXXX nor GC services. GC services continues to allege that billing statements verify this debt. GC services has yet to produce any document that displays my signature on it indicating a contract with either XXXX XXXX or GC services. I am not liable for this debt. I have no knowledge of this debt. I request that this debt be removed from my credit file in order to resolve this matter.

ORG GC GP Buyer, LLC

CA

92392

Consent provided

Web

2017-06-24

Closed with explanation

Yes

2021-12-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

EQUIFAX, INC.

AZ

85122

Consent provided

Web

2021-12-23

Closed with explanation

Yes

2020-05-12

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

I have contacted professional collection service as well as the credit bureaus about the validity of this debt. I received a one page lease agreement that clearly shows at the bottom right 8 pages should be attached. I show only 2 payments were ever made so I dont even see a complete billing statement, proof of deposits or anything else. I asked for this information repeatedly as well as if this debt was verified by someone that has the credentials to do so and have not received a response. This is a violation to report inaccurate, unsupported, and unproven information and I would like it removed. I will attached copies of what I was sent and it was not a full lease or a full payment ledger.

Professional Collection Service Inc (GA)

GA

31792

Consent provided

Web

2020-05-12

Closed with explanation

Yes

2020-02-19

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

PORTFOLIO RECOVERY ASSOCIATES INC

MA

02121

Consent provided

Web

2020-02-19

Closed with explanation

Yes

2023-01-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

n accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77520

Consent provided

Web

2023-01-26

Closed with non-monetary relief

Yes

2021-09-19

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

My complaint is about the final bill from XXXX XXXX. XXXX did not provide the service that I was charged for and the claim should be removed from my credit report.

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

Convergent Resources, Inc.

MO

65616

Older American, Servicemember

Consent provided

Web

2021-09-19

Closed with explanation

Yes

2018-11-06

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have an account that is reported as a Charge off ( XXXX XXXX XXXX ) but all the payments were made in time, i have two pictures to prove it. Please change the status of this account from Charge off to Paid as agreed or remove it from my credit report because this is inaccurate reporting. Thank you very much, I really appreciate your help with this matter.

EQUIFAX, INC.

NV

89108

Consent provided

Web

2018-11-06

Closed with explanation

Yes

2023-01-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Transunion and XXXXXXXX XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is XXXX of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the XXXX bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11213

Consent provided

Web

2023-01-23

Closed with non-monetary relief

Yes

2020-12-07

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 submitted information to XXXX XXXX XXXX XXXX XXXX XXXX ) involving an account that they are reporting on my credit file. After review of the information, they agreed to remove the account from all reports. XX/XX/XXXX and XX/XX/XXXX XXXX and others ) removed the account immediately. After dispute, Equifax still would not remove the account. I have re-confirmed with XXXX that they are no longer reporting this and agreed to remove it. This means that Equifax reported by wire and mail that they fraudulently investigated this account and provided fraudulent results that XXXX has refuted - in writing.

EQUIFAX, INC.

GA

30038

Consent provided

Web

2020-12-07

Closed with explanation

Yes

2019-05-23

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

Company : Collectioncenter, INC XXXX WY, The collections company refuses to send me a written payment agreement. I offered to pay the debt in full, with one lump sum, but they refuse to send me an agreement letter with the full amount. I think this company is trying to scam people with medical bills.

Credit Bureau of Carbon County

CO

80020

Consent provided

Web

2019-05-31

Closed with explanation

Yes

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76123

Consent provided

Web

2023-08-07

Closed with non-monetary relief

Yes

2020-08-17

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

Credit reporting

Incorrect information on your report

Account status incorrect

FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.

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

Experian Information Solutions Inc.

NY

10305

Consent provided

Web

2020-08-17

Closed with non-monetary relief

Yes

2019-05-08

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

Credit reporting

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

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

I have received emails from Equifax claiming my dispute has been looked into and resolved. I have called and emailed multiple times to get this information and attempted to review online but their online system is down. I have called a total of 5 times and each time I am told the information I am providing is incorrect. I then emailed Equifax in regards to my frustration of their representatives and was told to call consumer affairs and they would help me. I've called and emailed the agent ID numbers to equifax with no resolution of my disputes or request of my credit report. In my email I also requested a copy of my credire report because I do not trust the information is being reported accurately.

EQUIFAX, INC.

WA

98375

Consent provided

Web

2019-05-08

Closed with explanation

Yes

2020-02-14

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

Other personal consumer report

Incorrect information on your report

Public record information inaccurate

Good Afternoon, My Name is XXXX XXXX XXXX dob XX/XX/XXXX, I have ordered my credit reports from all 3 Bureaus and ordered a personal background check on myself on or about XX/XX/XXXX and found a Judgement was filed in my name and does not belong to me. I have made contact with the Attorneys and provided more than sufficient proof to have it removed from my name and my property and they simply stated, you can just have the creditors contact us and we can tell them its not yours, the Doket # is XXXX FILED ON OR ABOUT XX/XX/XXXX. This has had a negative impact on my credit score and I have been desperately trying to remove it. NO luck, The collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX I have been in touch with XXXX, XXXX and Today XX/XX/XXXX XXXX XXXX. I have provided everything to clear my name and yet its still out there wrong public info. Please help me remove this from my record my name.

AMERICAN EXPRESS COMPANY

NJ

070XX

Servicemember

Consent provided

Web

2020-02-14

Closed with explanation

Yes

2021-03-08

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

Credit reporting

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

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 48 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report It has been over 48 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the equifax date breach and may have gotten into the hands of the wrong person

EQUIFAX, INC.

GA

30213

Consent provided

Web

2021-03-08

Closed with explanation

Yes

2020-09-13

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

I have disputed an account with XXXX XXXX through TransUnion and have yet to receive a satisfactory response. I know this debit is well over 7 years old, however, the collection company keeps updating it fraudulently and TransUnionk keeps allowing them to do this.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75219

Consent provided

Web

2020-09-13

Closed with explanation

Yes

2022-12-08

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I deposited {$60.00} cash into a Bank of America atm machine on XX/XX/22. Something happened with the atm I dont know if the money got stuck, but it said there was an error and I needed to call a number on the machine. It asked me how much was I depositing I typed in {$60.00}. The cash never came back out of the machine. When I checked my account the {$60.00} was there so I didnt call the bank to file a complaint. On XX/XX/22 I received a letter from Bank of America saying that it was a funds shortage on my deposit and they deducted {$50.00} from my bank account. I called to bank on XX/XX/22 and spoke to someone who said he made a claim on my behalf to get the money refunded. I waited 2 days and there was no evidence of a claim filed and I never got an email confirmation from the bank. I checked my online account and nothing showed a transaction dispute had been filed by customer service. I called on XX/XX/22 and talked to XXXX different people about my issue nobody could help me. They kept transferring me to different people and giving me different numbers to call. I have been a Bank of America customer for 23 years and Ive never had a problem like this luckily it was only {$50.00} that they took. I deposited more money like a week later with no issues. I just want my money refunded and Bank of America should have done a full investigation of the atm or branch before taking money from my account.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

SC

29611

Consent provided

Web

2022-12-08

Closed with monetary relief

Yes

2023-01-20

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

Credit reporting

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

Their investigation did not fix an error on your report

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}

EQUIFAX, INC.

CA

93021

Consent provided

Web

2023-01-20

Closed with explanation

Yes

2021-09-04

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

Credit reporting

Incorrect information on your report

Account status incorrect

I am making you aware of this because current law does not provide for egregious and damaging score reporting unsupported by statistical evidence. A years -long perfect credit history recently was marred by a mistake by an ex spouse still with an open shared account for which she is responsible. The resulting delinquency resulted in a FICO drop of over 100 points. There can not possibly be any statistical or actuarial evidence that this represents actual credit risk. I intend to file against the credit reporting companies regarding this if it's not corrected, and want you to note this is an XXXX. ======================================================

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

Experian Information Solutions Inc.

CA

93940

Older American

Consent provided

Web

2021-09-04

Closed with explanation

Yes

2022-05-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX 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 CAINE & WEINER COMPANY INC at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX CA XXXXhas been reporting a collection account to my credit. I do not know this company. I have sent letters of validation to this company numerous of times the only information I have received is a bill that I have no knowledge of. I have never done any business with this company. This company does not have a contract with my signature.

CAINE & WEINER COMPANY, INC.

NY

146XX

Consent provided

Web

2022-05-06

Closed with explanation

Yes

2019-12-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The three credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. The following accounts need to be removed are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX, DEPT OF ED/XXXX/XXXX XXXX

EQUIFAX, INC.

IL

60620

Consent provided

Web

2019-12-12

Closed with explanation

Yes

2017-10-19

Student loan

Federal student loan servicing

Incorrect information on your report

Account information incorrect

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Fed loan Servicing on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.

AES/PHEAA

MD

207XX

Servicemember

Consent provided

Web

2017-10-19

Closed with non-monetary relief

Yes

2021-03-18

Debt collection

Federal student loan debt

Attempts to collect debt not owed

Debt was paid

In XX/XX/2020 I was notified of a wage garnishment for a Federal Student Loan. Fast forward to XX/XX/2020 and I finally pay off the debt. Then my paycheck gets hits for another {$420.00}, I call and find out the collection agency closed my account and submitted my file as closed and paid off but they never bothered to send a letter of debts paid to my employer. I call almost every day and am constantly told it's in progress. My next payday ( two weeks later ) comes and I'm garnished ANOTHER {$420.00}. Still, in progress, I'm fuming mad but every rep I talk to assures me that they will send me a refund on any overpayment and I have no worries just to be patient. Two more weeks go by and it's 1 day before payday and I am finally told by my employer that they got a letter and they will now stop the garnishments. A month goes by and I never see a refund check. I call and I am told that my refund check for close to {$850.00} was not sent to me it was forwarded to a " Client ''. The reps I talk to say they can not tell me why I didn't get the check that I had to talk to an attorney. The attorney at the agency will not contact me, I have filed a XXXX complaint but have not heard back. Their " Client '' is XXXX and from XXXX reviews is another debt collection agency that people like me will never get a hold of. Their phone lines tell you to leave a message they " are not accepting calls due to the state of the nation. '' They have no contact information. This firm drug their feet to stop my garnishment, took my money for the debt I had already paid and will not return it

Company believes it acted appropriately as authorized by contract or law

Machol & Johannes, LLC

CO

801XX

Consent provided

Web

2021-03-18

Closed with explanation

No

2022-06-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX XXXX BANK 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 with my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

486XX

Consent provided

Web

2022-06-16

Closed with non-monetary relief

Yes

2022-07-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX

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

Experian Information Solutions Inc.

MI

48198

Consent provided

Web

2022-07-24

Closed with explanation

Yes

2022-06-02

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

Credit reporting

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

Their investigation did not fix an error on your report

In relation to ID XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX CFPB proposed a question as to what would be a fair resolution to this issue? My response, A fair resolution to this issue would be to request that TransUnion and XXXX please " remove '' the negative collection agency ( XXXX XXXX XXXX XXXX XXXX ), from my credit reporting profile so that my FICO score can return to its original state due to XXXX XXXX XXXX XXXX XXXX, being paid in full. Now that we have received a response from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), on XX/XX/2022, informing us that any credit reporting XXXX provided on behalf of the creditor has been deleted accordingly. The deletion has been confirmed, I would like to move forward with submitting an additional complaint to the CFPB regarding the credit reporting bureau, TransUnion. During my most recent telephone correspondence with a TransUnion Supervisor, by the name of XXXX, he ( XXXX ) informed me that collections remain on ones credit report for XXXX years, unless I as the consumer receive notification from the collections company XXXX XXXX XXXX XXXX XXXX XXXX ), requesting that the negative report be removed ( deleted ) from the consumer 's credit profile. Therefore, considering that the third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX erroneously placed negative information on my personal credit profile, without notifying me and allowing proper time for me to respond to the negative information being reported by the Creditor, I am requesting that TransUnion please XXXX remove '' the negative collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX from my credit reporting profile BEFORE a seven-year removal of the erroneous credit reporting can take place so that my FICO score can return to its original state. The collections supervisor ( XXXX XXXX XXXX XXXX XXXX ) informed me that they would report the balance as paid ; however, to have the collections removed from my credit report, I would need to speak to someone within the Credit Bureaus ( XXXX/TransUnion/XXXX ) XXXX I spoke to an XXXX representative to confirm my dispute and payment, with the ability to remove the negative reporting collections the same day. Considering XXXX was the one that notified me of the negative collection being on my credit profile, I had no idea that the negative collection information had also been reported to TransUnion and XXXX. However, TransUnion and XXXX are stating that they are merely reporting agencies, and the negative collection reporting has to stay on your credit report for seven years although the payment has been updated to paid in full with a zero balance. I find this to be false information. If XXXX was able to remove it from the credit report the same day after showing that the payment in full was made to the third-party collection agency, TransUnion and XXXX possess these same capabilities. No ones FICO credit score should be reduced by over XXXX points due to an erroneous collections charge in the amount of only {$100.00}, due to the creditor ( XXXX ), not following up per the documented conversation to receive the remainder of payment by phone. Allowing creditors, third-party collection companies, and credit reporting bureaus to place negative erroneous information on a person 's credit file that is utilized to weigh an individuals credibility to make life-saving decisions, must stop immediately. The point of filing a dispute with the credit bureaus XXXX TransUnion and XXXX ), is to have the negative erroneous reporting from the collections REMOVED from my credit report file immediately, not to wait for seven years. If I had received the follow-up within a timely manner as promised by the XXXX representative, or proper notification from the third-party collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX that is when I could have provided the additional payment information and resolved this matter prior to reporting erroneous information to the third-party collections, and placing this error onto my credit profile. It must stop with allowing creditors, third-party collection companies, and credit reporting bureaus to submit a charge to your credit profile, then tell you it must stay on your credit report for seven years before it can be removed. UNACCEPTABLE. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) requesting your kind assistance to further investigate this matter and to provide additional knowledge and instructions for having TransUnion and XXXX remove the negative paid in full third party collections account ( XXXX XXXX XXXX XXXX XXXX ), from my credit report due to it is hurting my FICO credit score and causing emotional distress if I am unable to provide for my family because every business venture and creditor review what is reported to the three major credit bureaus to determine one 's creditability. On Thursday, XX/XX/XXXX, XXXX the Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, responded to CFPB XXXX ID No. : ID XXXX, stating that on XX/XX/2022, XXXX ( XXXX ) placed an account with us for collection or we would not have attempted to contact XXXX XXXX. XXXX wrote to and called the consumer to advise him of the account. Prior to our receipt of the complaint, XXXX had already ceased collection efforts. On XX/XX/2022, XXXX XXXX called XXXX and paid the balance in full. The companys response is proof that not only are they not able to supply documentation that they reached out to me, but the company also did not comply with The Fair Debt Collection Practices Act ( FDCPA ) allows for legal action against certain collectors, such as XXXX XXXX XXXX XXXX XXXX, that dont comply with the rules in the law. XXXX XXXX XXXX XXXX XXXX, did NOT comply with the FDCPA rules in the law. Therefore, one must be selective about what is reported to confirm the accuracy and comply with the due diligence process prior to reporting negative information to a consumers credit profile. I do hope I have provided enough detailed information to the CFPB to support this matter to assist your staff members in developing a full understanding of the dispute and reasoning for your assistance request. It is important that we take the time from our busy lifestyles and speak out when a wrong has been rendered so that no other consumer will experience such amiss. Thank you in advance for your kind assistance, and please do not hesitate to contact me if additional information is needed. Best regards, XXXX XXXX, XXXX Email : XXXX C : ( XXXX ) XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76244

Consent provided

Web

2022-06-02

Closed with explanation

Yes

2021-08-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! XXXX XXXX XXXX Ally Financial Below is a list of inquiries from XX/XX/2021 on my XXXX and XXXX credit report. XXXX XXXX Ally Financial

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

ALLY FINANCIAL INC.

OH

44313

Consent provided

Web

2021-08-12

Closed with explanation

Yes

2016-03-10

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt resulted from identity theft

Debt Collector is attempting to collect on a fraudulent account that is not mine I sent an Affidavit of Fraudulent Application on XX/XX/2014 to the creditor.

LTD Financial Services, L.P.

FL

33433

Older American

Consent provided

Web

2016-03-10

Closed with non-monetary relief

Yes

No

2016-08-27

Debt collection

Non-federal student loan

Taking/threatening an illegal action

Threatened to sue on too old debt

I was sent a letter from Transworld Systems Indicating that I owed them over XXXX from XXXX. However I am in good standing with XXXX and after checking my account on XXXX 's website I saw that my next payment would be due in XXXX. I called and spoke to a rep. who never answered any of my questions but repeated what I said and kept trying to get me to pay a debt that I do not owe. The default date according to Transworld Systems was XXXX/XXXX/09 which is well beyond the statue of limitation in NY and it should not be collected on at all. As the debt origination date should be well before 2009 if it is at all valid.

TRANSWORLD SYSTEMS INC

FL

32771

Consent provided

Web

2016-08-27

Closed with explanation

Yes

No

2017-11-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian, XXXX, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

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

Experian Information Solutions Inc.

CA

95834

Consent provided

Web

2017-11-21

Closed with non-monetary relief

Yes

2021-01-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Requested On : XX/XX/2019, SUNTRUST AUTO DEALER FIN Requested On : XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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

TRUIST FINANCIAL CORPORATION

IL

60169

Consent provided

Web

2021-02-04

Closed with explanation

Yes

2020-12-15

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

Credit reporting

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

Investigation took more than 30 days

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38016

Consent provided

Web

2020-12-15

Closed with explanation

Yes

2022-06-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The Credit Bureaus ( TransUnion, XXXX, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX, Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX XXXX XXXX Date XX/XX/2XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/21 XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/21, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MS

39759

Consent provided

Web

2022-06-07

Closed with non-monetary relief

Yes

2022-12-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

Attempted to open a credit card with American Express. American Express queried XXXX for my credit report. XXXX is reporting to American Express that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on XXXX credit report.

AMERICAN EXPRESS COMPANY

GA

30068

Consent provided

Web

2022-12-13

Closed with explanation

Yes

2020-02-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. XXXX XXXX XXXX {$550.00} DEPTEDXXXX XXXX {$1600.00} XXXX XXXX XXXX {$440.00} DEPTEDXXXX XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}

EQUIFAX, INC.

AR

72116

Consent provided

Web

2020-02-03

Closed with non-monetary relief

Yes

2022-03-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

EQUIFAX, INC.

VA

23234

Consent provided

Web

2022-03-22

Closed with explanation

Yes

2018-08-15

Credit card or prepaid card

Store credit card

Closing your account

Company closed your account

I have a TJX Rewards Credit Card with XXXX XXXX. I am preparing to refinance my house and wanted to improve my credit score ( credit score was XXXX ) so I decided to pay off all my store credit cards in XXXX. Unfortunately after making a payment ( {$250.00} ) to pay off the above mentioned account someone fraudulently accessessed my Paypal account and made several charges using my bank debit card. This caused several payments to be returned. I contacted Synchrony baby and explained what was going on and made payment that did process and paid account off in full. On XX/XX/XXXX I received a letter dated XX/XX/2018 from Synchrony bank stating my TJX account was closed due to the number of dishonored payments on the account. I immediately called and spoke to several customer service reps till I finally spoke to a supervisor named XXXX. I was told that if my Bank sent a fax stating that the returned payments were not non sufficient funds my account would be reinstated. I was given the fax number to the finance department. On XX/XX/2018 my bank manager sent a fax stating the returned payments werent not my fault because of the fraudulent activity on my bank account. On XX/XX/2018 I called to follow up with my account. My credit score has dropped to XXXX! Synchrony Bank adviced me that they recognize that the returned payments were not my responsibility or fault but will not be reinstating my account even after I did what they asked. So basically I am being double victimized. I was trying to improve my credit score an now its been decreased by over 70 points at no fault of my own. I could have made a minimum payment on my TJX card. I didnt need to pay {$250.00}. This doesnt seem legal. I didnt do anything wrong to have my account closed.

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

SYNCHRONY FINANCIAL

AR

71913

Consent provided

Web

2018-08-15

Closed with explanation

Yes

2022-01-03

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

Credit reporting

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

Was not notified of investigation status or results

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

DC

20020

Consent provided

Web

2022-01-03

Closed with explanation

Yes

2022-10-13

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In XXXX of this year 2022 Credit reporting agencies were made aware of fraudulent accounts & incorrect information on my consumer reports.

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

Experian Information Solutions Inc.

IL

60440

Consent provided

Web

2022-10-13

Closed with non-monetary relief

Yes

2018-10-15

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

this account has been disputed and removed once for errors and it keeps showing up on my reports.

Regional Management Corporation

TX

76063

Consent provided

Web

2018-10-15

Closed with explanation

Yes

2018-04-02

Checking or savings account

Checking account

Managing an account

Problem accessing account

I have had this account for over 12 years and now I am being told that the mother 's maiden name listed on the account is not what was submitted when the account was opened. my debit cards keep getting blocked and I have to use cash to make purchases and when I call in to get these resolved I get blocked by the mother 's maiden name issue.

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

BB&T CORPORATION

GA

30349

Consent provided

Web

2018-04-02

Closed with explanation

Yes

2020-12-12

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

Credit reporting

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

Their investigation did not fix an error on your report

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source

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

Experian Information Solutions Inc.

OH

45242

Consent provided

Web

2020-12-12

Closed with explanation

Yes

2022-04-28

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 in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters, However, I need these laws applied to my report or I will take legal action. 15 US code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U, S code 1692k civil liability

EQUIFAX, INC.

DC

20020

Consent provided

Web

2022-04-28

Closed with explanation

Yes

2020-07-20

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

I DO NOT OWE THIS DEBT. IT WAS INCLUDED IN MY BANKRUPTCY WHICH WAS ALREADY DISCHARGED. ATTACHED, YOU WILL FIND A COPY OF MY BANKRUPTCY DISCHARGE LETTER.

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

Experian Information Solutions Inc.

CO

810XX

Consent provided

Web

2020-07-20

Closed with non-monetary relief

Yes

2023-06-27

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

Credit reporting

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

Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act they violated my rights. Please delete the following items : 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 a account without my written instructions.

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

Experian Information Solutions Inc.

NY

10469

Consent provided

Web

2023-06-27

Closed with explanation

Yes

2021-11-12

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

I called Wells Fargo to have a something called a " cash back '' rewards program removed from my online banking account. I believe the HTML coding is stealing money and funds are leaving my account unnoticed. I called Wells Fargo in the past to have this rewards program removed and they have refused to removed the coding. All of the transactions in my online banking account are all out of order.

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

WELLS FARGO & COMPANY

WI

53213

Consent provided

Web

2021-11-12

Closed with explanation

Yes

2023-09-06

Checking or savings account

Other banking product or service

Managing an account

Deposits and withdrawals

I deposited XXXX $ into ATM number XXXX on XX/XX/2023 at XXXX XXXX. The atm malfunctioned, took the XXXX $ and spit back out my debit card with a receipt stating, We are unable to process your transaction due to a technical problem. If your items were not returned to you, please visit your nearest regions branch. They gave me a provisional credit of the XXXX $ the next day, stating they would investigate the claim. The sent me a letter in the mail stating that the ATM was counted and the balance was correct, basically telling me that I didnt deposit any money, and that they didnt believe me. So the XXXX $ was taken back out of my account. I have tried numerous times to see the atm footage, but they refused to show me anything. At this point regions is basically stealing XXXX $ from me. I have a long history with them of large cash deposits. Now I am worried I wont ever get the $ back, and they have done nothing to help me.

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

REGIONS FINANCIAL CORPORATION

AL

35242

Consent provided

Web

2023-09-06

Closed with explanation

Yes

2017-08-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.

Ability Recovery Services, LLC

NJ

07105

Consent provided

Web

2017-08-07

Closed with explanation

Yes

2019-03-22

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

Credit reporting

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

Their investigation did not fix an error on your report

I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, Equifax, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's

EQUIFAX, INC.

NC

27603

Consent provided

Web

2019-03-22

Closed with explanation

Yes

2020-01-25

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Seized or attempted to seize your property

XXXX- XXXX I opened up a business account for my new business XXXX XXXX XXXX in XX/XX/XXXXusing my social my personal information my name my last name and date of birth and my address which that time was at XXXX XXXX which I worked and I live there as well upon applying it asked me for my tax ID number at that time I put my sales permit number which is a tax state tax number usually for wholesalers I put that in as my Thats ID number since I did not have tax ID number and I thought my sales permit number would suffice a few weeks later I received a card in the mail that had my business name and my name on it so I used it and did not get a statement I called them and they stated that the accounts been closed somehow my card was linked to my old Account the XXXX XXXX which I worked previously and I currently live there they contacted police department which accuse me of committing fraud however in the investigation I recently found out that my social my name everything that pertains to me was used in the application and my business name was used and my credit card onlyHad my business name and my name never my old employers name that was added after I applied someone and Citibank looked up the address and added the address account name which my apartment complex had the same account or an account with Home Depot for the complex they popped up the same address however they did not put my apartment number only the street address which showed the apartment complex officeI had a phone bill through XXXX XXXX XXXX or XXXX at that time that was again using my apartment address however the phone company later on they corrected the account to reflect apartment number instead of the complex this mixup reported my information and the apartment complex office information as one agency which XXXX XXXX XXXX recorded as parent company this was done not by me but by Citibank when they linked the two accounts as one under the apartment complex office instead of my apartment number this caused a XXXX XXXX and at that time I represented myself and lost I spent XXXX months in XXXX and to this day Citibank never told the truth and I am still suffering from the effects of Citibank having the ability to edit applications and fix information that was never added but added after the fact just to approve applications they single-handedly input other information which they think is relevant or corrected this in return is a scheme because ultimately I owe {$20000.00} of restitution to Citibank which Ive never Received any merchandise from Home Depot because it was a controlled order and law-enforcement intercepted the order I am undergoing a application for XXXX review the District Attorneys Office agree to review my XXXX because they agreed that Citibank made improper allegations and may have indeed added the information when verifying the credit account Citibank made a error and my life was changed forever

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

CITIBANK, N.A.

CA

95624

Consent provided

Web

2020-01-30

Closed with explanation

Yes

2017-09-27

Debt collection

Credit card debt

False statements or representation

Impersonated attorney, law enforcement, or government official

I got divorced in XXXX and I got stuck with a credit card bill that I could not afford to pay. I was taken to court and the judge ruled in XXXX Banks favor and I did owe this bill. I get XXXX in XXXX and XXXX in XXXX and the judge said they won judgement but could not collect.In XXXX they served garnishment papers on any income tax return I get, but I dont have to file as Im way below the poverty level. I got a official looking court document on XXXX XXXX XXXX the next day I called the courthouse and was told no court papers had been filed and to ignore or contact the lawyer listed. I did not contact him as hes not pleasant. But I did notice he signed a scrawled name in spot where the judge or clerk signs. Here is the name of lawyer XXXX XXXX XXXX XXXX Mi. XXXX

Weber & Olcese, PLC

MI

494XX

Consent provided

Web

2017-10-06

Closed with non-monetary relief

Yes

2022-03-08

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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

Experian Information Solutions Inc.

FL

33177

Consent provided

Web

2022-03-08

Closed with explanation

Yes

2023-01-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am submitting this complaint without any influence and without any third party. On XX/XX/2023 at XXXX I faxed my letter ( see attached document labeled AVANT LETTER OPT OUT ) to Avant requesting proof that Avant followed the conditions required by the Gramm-Leach-Bliley Act to respect my privacy and protect my nonpublic personal information and notifying that I am exercising my right to opt out of credit reporting since they failed to do so. Avant responded by email ( see attached document labeled AVANT XXXX ) and did not address my concerns nor did AvanXXXX provide any proof of following the conditions required by the Gramm-Leach-Bliley Act.

Avant Holding Company, Inc.

NJ

08902

Consent provided

Web

2023-01-19

Closed with explanation

Yes

2023-03-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The 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 po box XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$830.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XX/XX/XXXX 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.

MS

XXXXX

Consent provided

Web

2023-03-09

Closed with non-monetary relief

Yes

2021-09-17

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

Credit reporting

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

Investigation took more than 30 days

Equifax has violated my rights under the FCRA and FTC Law. I have been trying for over 60 days to have the unauthorized inquiries remove from my credit report. Based on the laws, all information on my report must be accurate, no errors and verifiable. Equifax has not provided any evidence or proof. The inquiries attached to this complaint must be removed immediately. I am requesting CFPB to force Equifax to do its job and conduct a proper investigation to include producing proofs that these unauthorized inquiries were authorized by me. Please see attached evidences that I have been trying to work with Equifax by sending several certified mail requesting their verification of these inquiries. My next step is to bring this case to small claims court.

EQUIFAX, INC.

TX

77532

Consent provided

Web

2021-09-17

Closed with explanation

Yes

2023-02-15

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

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX NA XX/XX/XXXX - EXPERIAN XXXX XX/XX/XXXX. - EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXXXX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX XXXX - EXPERIAN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XX/XX/XXXX - EXPERIAN XXXX XXXX XXXX XXXX - EXPERIAN On XX/XX/XXXX XXXX reached out to have these inquiries investigated and nothing has been done about it

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

Experian Information Solutions Inc.

TN

38118

Servicemember

Consent provided

Web

2023-02-15

Closed with non-monetary relief

Yes

2022-04-19

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

This is hardly the first first time I've contacted you. In your prior responses, I've gotten pablum and, whatever the bank says is what you tell me. So ( after referring to my prior XXXX or XXXX complaints ), please see the following. I've been getting the runaround from Capital One ( and you and the insurer and the reverse mortgage holder ). What was a small, to me fairly insignificant problem, as turned out to be the 100 Years ' War. And the amount at stake is fairly miniscule, except for me, of course. Attached is the last letter I sent to Capital One. If the online agreement does not say SPECIFICALLY that there may be ONLY ONE PAYEE, then everything else is BS and their argument is nothing. Attached is letter I sent to Capital One. And if I had the money to hire an attorney, I wouldn't be writing this now. Look at their agreement! It's not worded as they believe it is worded.

CAPITAL ONE FINANCIAL CORPORATION

LA

70005

Older American

Consent provided

Web

2022-04-19

Closed with explanation

Yes

2019-01-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I CHECK MY CREDIT REPORT WEEKLY AND A FEW WEEKS AGO I NOTICED THERTE WAS A COLLECTION ON MY ACCOUNT FOR {$1200.00} FROM A XXXX XXXX XXXX ( XXXX ) I'VE NEVER EVER APPLIED FOR A LOAN WITH THE COMPANY I'VE ASKED EQUIFAX TO REMOVE THIS OFF MY CREDIT REPORT AND IT'S STILL ON THERE, I'VE CALLED THEM SEVERAL TIMES EVERY TIME I CALL THEY SAY CALL BACK IN 30 MINUTES BECAUSE THEIR SYSTEM IS DOWN. I LITERALLY CALLED THEM FOR A WEEK STRAIGHT AND EVERY DAY I GET THE SAME RESPONSE.

EQUIFAX, INC.

WI

53218

Consent provided

Web

2019-01-15

Closed with non-monetary relief

Yes

2021-09-22

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

My loan was with Axos Bank. I sold the vehicle to another entity. Almost 2 weeks after the loan was fully paid off, they just deducted another regular month 's payment from my account. The loan was fully satisfied yet they did not cancel the autopay arrangement. When I messaged them, all they gave me were directions on how to cancel autopay, which doesn't help after they've already deducted almost {$420.00} from account that I hadn't accounted for. Now I risk NSF fees for other bill obligations.

AXOS FINANCIAL, INC.

TX

75078

Consent provided

Web

2021-09-22

Closed with explanation

Yes

2021-03-04

Debt collection

Credit card debt

False statements or representation

Impersonated attorney, law enforcement, or government official

I received a phone call yesterday XXXX from CRG representative who stated the she was calling let me know that I was being sued and that she had information regarding the current lawsuit with XXXX county court of collections or something of that nature. I asked who was calling and she we are with court regarding a lawsuit filed against by credit one. She asked me if I knew about the lawsuit I said no. She then told me about my history with card, I then said to her just to let you know this call is being recorded. She then hurried up and said, that this was an attempt to collect a debt. When I told her she violated my rights by threatening, and abusive behavior she lied and said she never said anything about an active lawsuit. I then told her that was against the law and I would file suit, she would take me off of the list. I then asked for the companies name, and address and she refused to give it to me. I then repeatedly asked for a supervisor and she gave me the information but I'm not sure if the information she gave was correct.

Compass Recovery Group, LLC

MD

20874

Servicemember

Consent provided

Web

2021-03-04

Closed with explanation

Yes

2022-08-30

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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

XXXXX

Consent provided

Web

2022-08-30

Closed with non-monetary relief

Yes

2022-02-14

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

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

I was not notified of a credit limit decrease before it happened. No advance adequate notice was given. The company substantially decreased my limit to point where the utilization on the card shot up to over 85 %. Which means this company is artificially manipulating my credit account, credit score, credit-worthiness, and credit report. This is done in order to drop my score to increase my rates and fees banks and other card issuers can charge. this is illegal and a violation of congressional law. This is " unauthorized use '' as defined under 15 USC 1602 ( p ). This is identity theft. They used my card to manipulate my balance and the interest they can charge, they are NOT the cardholder, they do NOT have actual, implied, or apparent authority for such use and from which I, the cardholder received no benefit. They provide a service for a fee, they are not the original creditor, I am, they are not my agent. I am my own agent. I, the cardholder, received no benefit. In fact, this unauthorized use is to my detriment, as it is causing XXXX XXXX, and significant damage to my reputation and credit score, credit-worthiness, and credit report. There have never been any issues with this account. Nothing in my account history with this card warrants such a decrease. The limit was decreased within a few days of receiving an on-time payment. There are no verified public records or collections on my report, which was one of the key factors the customer service representative told me that my limit was decreased. When speaking with the customer service representative I was not given a numerical credit score as defined in 15 USC 1681g ( f ) ( 2 ) ( A ), as this company took an adverse action against me based in whole or in part on any information they received in a consumer report. I did not authorize the inquiry that provided the report. The customer service representative told me XXXX furnished the report. I don't know how or why, when there are currently multiple accounts under dispute and under investigation ; they shouldn't be providing anyone with reports. Last month I tried to pull my own report through XXXX and could not pull XXXX because of disputes and investigations. So how is a card company able to pull my consumer report and I can not? Not only that, but then take an adverse action based on unverified information?

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

BARCLAYS BANK DELAWARE

IL

60634

Consent provided

Web

2022-02-14

Closed with explanation

Yes

2023-02-13

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 3 Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX

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

Experian Information Solutions Inc.

CA

90038

Consent provided

Web

2023-02-13

Closed with explanation

Yes

2018-09-01

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

Credit reporting

Incorrect information on your report

Account information incorrect

I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.

CAPITAL ONE FINANCIAL CORPORATION

TX

XXXXX

Consent provided

Web

2018-09-01

Closed with explanation

Yes

2022-11-15

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX # XXXX has violated my rights according to : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Experian Information Solutions Inc.

SC

29605

Consent provided

Web

2022-11-15

Closed with explanation

Yes

2023-01-18

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

Credit reporting

Incorrect information on your report

Account information incorrect

THIS IS MY 3RD ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN and XXXXXXXX XXXX XXXX WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. This account below.. Account name ( XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2500.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX updated XX/XX/XXXX Is not valid this is my third attempt to EXPERIAN to remove, and yet they do not send any debt validations and update it as accurate after a few days as they are not doing the proper protocol under the FCRA regulations. XXXX and XXXX both investigated and found these accounts to not be valid and they were removed. Experian continues to not do there de diligence.

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

Experian Information Solutions Inc.

AR

721XX

Servicemember

Consent provided

Web

2023-01-25

Closed with explanation

Yes

2023-03-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

EQUIFAX, INC.

FL

34120

Consent provided

Web

2023-03-17

Closed with explanation

Yes

2022-12-02

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am consumer XXXX XXXX and I'm reporting EQUIFAX who has continuously reported my private nonpublic information without written my consent and did not have PERMISSIBLE PURPOSES to so so. My private information was and still is compromised in the 2017 EQUIFAX DATA BREACH. EQUIFAX has caused the consumer grave harm and financial hardship. EQUIFAX has committed identity theft by reporting, selling, and furnishing my private information without my written consent. Harm has been caused before my information was in the data breach and the consumer will forever be harmed knowing my private information has been breached do to the noncompliant and willful negligence by EQUIFAX. EQUIFAX has violated my privacy, has violated my consumer rights pursuant to the Fair Credit Reporting Act. EQUIFAX has a fiduciary duty to protect my private information if they had my consent in which they did not. EQUIFAX did not have my consent and they failed to protect my private information. EQUIFAX also violated the Gramm Leach Bhilely Act 15 U.S.C. 6809. Consumer is sick and stressed out every day do to worrying about my privacy

EQUIFAX, INC.

PA

19114

Consent provided

Web

2022-12-02

Closed with explanation

Yes

2018-10-23

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

On XX/XX/2017 there was a hard inquiry made by XXXX XXXX without permission

EQUIFAX, INC.

MN

55418

Consent provided

Web

2018-10-23

Closed with explanation

Yes

2023-08-08

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

Credit reporting

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

Their investigation did not fix an error on your report

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$350.00}.

EQUIFAX, INC.

NY

119XX

Consent provided

Web

2023-08-08

Closed with explanation

Yes

2020-10-04

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Sued you without properly notifying you of lawsuit

On XX/XX/XXXX, American Express replied to my correspondence with the Consumer Financial Protection Bureau ( CFPB ) confirming they would no longer attempt to communicate with me except as legally allowed. American Express also states they are unwilling to remove the judgment obtained. American Express claims my account was never assigned to XXXX XXXX XXXX, but with XXXX XXXX XXXX and XXXX. American Express also acknowledge receipt of my request for debt validation to on XX/XX/XXXX, and noted my account. American Express also admits to failing to provide debt validation and continued attempts to collect this alleged debt only amounted to the other countless violations by American Express XXXX XXXX. Bus. & Com. Code Ann. 17.41 through 17.63, 15 USC Ch. 41, and the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). Additional violations include, but arent limited to the following : Harassment or abuse False or misleading representations Failure to correct billing errors Validation of debts Legal actions by debt collectors Furnishing certain deceptive forms American Express filed cause # XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX claiming the following false, misleading and deceptive statements : 1. Defendants accepted each advance for goods and/or services, and according to the Cardmember Agreement, and became bound to pay Plaintiff the amounts of those advances plus applicable interest and finance charges 2. Defendants have made no objections to any charges under the Agreement, despite receiving notice of such charges more than sixty ( 60 ) days before the filing of this lawsuit. 3. Defendants have failed to repay all of the advances made under the Agreement. The current balance due, owing, and unpaid under the Agreement, after allowing all just and lawful payments, credits, and offsets totals {$4900.00}. Defendants have failed and refused to pay the balance. 4. Plaintiff duly issued and sent to Defendants the Account Statements which outlined in detail all items charged to the Defendants ' Account and the total amount due and owing by Defendants to Plaintiff on the Defendants ' Account. 5. Defendants received the Account Statements without protest and neither objected to them nor indicated that they were erroneous in any aspect. Defendants thereby acknowledged that the debt owed to Plaintiff, as outlined in the Account Statements, is true and correct. Defendants thereby acknowledged that the debt owed to Plaintiff, as outlined in the Account Statements, is true and correct. These statements are false, misleading, and deceptive for the following respective reasons : 1. Notifications of disputed and erroneous bills were provided to American Express notifying I either did not receive goods/or services. Claims I accepted each advance for goods/services becoming bound to pay such amounts is erroneous. 2. A large number of objections to charges under the Agreement were provided to American Express were provided via phone calls, faxes, online submissions, USPS mail, and complaints filed with the CFPB, FTC, SEC, FDIC, and Texas Attorney General between the years of XXXX and XXXX before the filing of the lawsuit. American Express has further admitted to receiving notification of my dispute and notating my account. Therefore, any claim I made no objections, despite receiving notice of the charges anytime in the 60 days before the suit was filed it extremely willfully negligent and false. 3. Its already been established American Express failed to validate the debt. As such, I was under no obligation to pay this alleged debt. Stating I refused to pay such alleged debt when I was disputing and requesting validation of the alleged debt is deceptive. 4. American Express acknowledged failing to provide statements validating the debt. Any claim to the contrary is a willful and intentionally false, deceptive, and manipulative act. 5. American Express acknowledged failing to provide statements validating the debt. Any claim to the contrary is a willful and intentionally false, deceptive, and manipulative act. While the numerous disputes filed and formally acknowledged by American Express directly oppose any claim that the Account Statements were received without protest, objection, or without indication, they were erroneous in any aspect. The claim made in this suit filed is also false and deceptive. Upon receiving my many dispute notices and requests for validation of the alleged debt American Express was under legal and contractual obligations to cease debt collection attempts, provide debt validation and cease furnishing negative information to credit reporting agencies. Attempts made to notify American Express of my disputes have been consistent, well documented, acknowledged, and extremely high in number. By their own admission, American Express failed to provide debt validation and has been willfully violated very many consumer protection laws and the terms of the American Express member agreement. These violations were only made worse upon American Express filing a frivolous and legally prohibited lawsuit in which they made many false, misleading, and negligent statements knowingly. American Express continues to continue this negligent noncompliance by refusing to vacate this judgment gained through deceptive and illegal means. American Expresss willful, negligent and illegal negative furnishing of data, prohibited legal actions, and account closures has caused extreme financial and XXXX XXXX which I may never be able to fully recover from. These actions have prevented me from obtaining new credit and negatively affected accounts held at other institutions. I have been unable to obtain any favorable financing, which is needed for housing and to purchase a vehicle. Being without a vehicle is negatively impacting my health as I am XXXX and unable to have all my medical needs met due to the transportation issues experienced as a result. Regards, XXXX XXXX

AMERICAN EXPRESS COMPANY

TX

XXXXX

Servicemember

Consent provided

Web

2020-10-04

Closed with explanation

Yes

2020-09-15

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

Credit reporting

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

Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

EQUIFAX, INC.

IL

601XX

Consent provided

Web

2020-09-15

Closed with explanation

Yes

2021-10-07

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE LATE ACCOUNT IS STILL FOUND AND NEEDS TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$0.00}

EQUIFAX, INC.

MD

21239

Consent provided

Web

2021-10-07

Closed with explanation

Yes

2023-06-06

Debt collection

Other debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

I called collection agency and explained to them I filed Bankruptcy. This debt was signed off by a judge on XXXX XXXX Can you please take this on my credit history etc I am having a hard time trying to apply for a rental and this is impacting my credit history and future renting. The employer assured me she would take it off my credit report. I called in XX/XX/XXXX, I waited 6 months and called again. I am so frustrated I cant even rent an apartment because of this. XXXX XXXX XXXX XXXX XXXX update XXXX, XXXX XXXX of a total {$4500.00} I am so stressed my kids and are going to be homeless!!

Sound Collection Services

WA

99205

Consent provided

Web

2023-06-06

Closed with explanation

Yes