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2023-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I disputed negative items on my consumer report with Equifax on XX/XX/2023, unfortunately I didnt send it certified mail so I cant prove when Equifax received it, and I already know that its just my word against their word. I do know that I sent Equifax a dispute letter, and they have not yet responded, and by law they are required to respond within 30 days after receiving a dispute letter from the consumer.
Attached to this complaint is a copy of the dispute letter I sent Equifax, and since they have not yet responded to my first dispute, I am requesting that they delete all items that I have listed on my attached dispute letter since they are in violation of the FCRA, which makes all my disputes unverifiable. If Equifax indicates that they never received my dispute letter, then I am requesting that Equifax conducts a Consumer Investigation, not just a verification with the furnisher of information.
15 USC 1681a ( e ) indicates that a consumer investigation means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he or she is acquainted or who may have knowledge concerning any such items of information. I will expect Equifax to give me the names and phone numbers of those they spoke with after their investigation, otherwise the negative items on my consumer report will be unverifiable and must be removed.
Thank you for your cooperation Sincerely XXXX XXXX | null | EQUIFAX, INC. | AR | 72104 | null | Consent provided | Web | 2023-05-08 | Closed with non-monetary relief | Yes | null | 6,945,475 |
2019-11-24 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I am responding to your contact about a debt you are trying to collect. You contacted me by phone and direct mail. Your office has identified a debt that was quoted from a debt buyer. Currently, I demand complete authentication of debt ownership. Your office will be reported to the Consumer Financial Protection Bureau for the operation of a fraudulent scam operation, claiming ownership of debt that simply does not belong to your agency, and therefore I am still protected under the Fair Debt Collection Practices Act. Your office must cease and desist all further activities against me for this illegal collection practice immediately and purge my personal information from your collection operations permanently.
[ any information they gave you about the debt ]. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | DC | 20011 | null | Consent provided | Web | 2019-11-24 | Closed with explanation | Yes | null | 3,448,894 |
2023-05-13 | 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 | When I reviewed my credit report, I discovered that the account was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} | null | EQUIFAX, INC. | GA | 30296 | null | Consent provided | Web | 2023-05-13 | Closed with explanation | Yes | null | 6,969,164 |
2020-04-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Waypoint Resource Group is attempting to collect on behalf of XXXX XXXX, XXXX. I reached out to Waypoint Resource Group and requested that the collection agency send a copy of the original contract which verifies I owe the debt. I also requested a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. To date, I have received no response.
An amount of {$520.00} is not owed to XXXX XXXX. Waypoint Resource Group has not provided any documentation which proves the debt belongs to me. Thus, I am requesting this entry be removed from my credit report immediately. This debt is erroneous. | Company believes it acted appropriately as authorized by contract or law | Waypoint Resource Group, LLC | IL | 60649 | null | Consent provided | Web | 2020-04-01 | Closed with explanation | Yes | null | 3,588,673 |
2022-10-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00} | null | EQUIFAX, INC. | IL | 60901 | null | Consent provided | Web | 2022-10-03 | Closed with explanation | Yes | null | 6,042,361 |
2018-06-13 | Debt collection | Federal student loan debt | Written notification about debt | Didn't receive notice of right to dispute | I have about 11 accounts XXXX with 3 late payments on each for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called and deferred these loans several times, and was told each time that the late payments would be deleted since they were deferred. On top of that, they referenced a form they would mail in regards to this, but was never received. Now I have 3 late payments across 11 or so different loans and it has significant damaged my credit, all because XXXX XXXX did not due as they stated through phone conversation. | null | AES/PHEAA | MD | 20904 | null | Consent provided | Web | 2018-06-13 | Closed with explanation | Yes | null | 2,934,233 |
2022-06-06 | 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 and Equifax, had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
According to USC 15 USC 1681 section 602 A, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter, states I have the right to privacy. In accordance 15 USC 6802, no financial institution is not suppose to share my information to third party people.
These are clear violations of my federally protected consumer rights.
These addresses does not belong to me | null | EQUIFAX, INC. | FL | 33054 | null | Consent provided | Web | 2022-06-06 | Closed with explanation | Yes | null | 5,639,626 |
2021-12-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, XXXX PRIVACY RULE, FACTA, FDCPA and XXXX, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until XXXXROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ..... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10710 | null | Consent provided | Web | 2021-12-02 | Closed with non-monetary relief | Yes | null | 4,968,744 |
2019-10-12 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | This debt is not mine I demand it off my credit if not we will put a Cease Order to remove it out of my credit report. This is not mine. Someone use my identity and did not paid if its not off my credit I will sue. | Company believes it acted appropriately as authorized by contract or law | ERC | TX | 79904 | null | Consent provided | Web | 2019-10-15 | Closed with explanation | Yes | null | 3,403,086 |
2022-09-28 | 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 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.
In accordance with the Fair Credit Reporting act 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27012 | null | Consent provided | Web | 2022-09-28 | Closed with non-monetary relief | Yes | null | 6,029,624 |
2022-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To Whom It May Concern ; I have made numerous attempts to provide XXXX, XXXX and Equifax with government documents in the form ( s ) of various XXXX Department Police reports which have included a criminal police report case number XXXX dated XX/XX/XXXX where I was identified as victim # 4 on page 2 as a person who's identity was stolen and used. I have also provided all 3 CRA 's an identity theft police report case number XXXX, a Financial Crimes police report, number, case XXXX dated XX/XX/XXXX and an FTC Identity Theft report number XXXX in regards to criminal fraudulent use of my personal information.
I have disputed and sent all of the above police and FTC reports on numerous occasions in XXXX & XXXX of XXXX, in XXXX and again in XXXX. Yet, All 3 CRA 's continue to report fraudulent information on credit file which is in total violation as my consumer rights in the state of California. When any of the three CRA 's are asked how they verified the fraudulent information, I'm always told that the creditor verified that the account ( s ) belong to me.
If any of the 3 CRA 's attempted to verify any of the police/FTC reports provided to them, they would indeed find that my claims are true and that I was in fact contacted by my local police department about several crimes committed by the two individuals that were arrested.
It is my full belief that all 3 CRA 's are negligent in properly verifying these fraudulent accounts and considering that the creditors in question who continuously furnish fraudulent information to the CRA 's are paying customers, their word over my proof is enough to allow these creditors to continue to damage my credit and cause me harm.
There is literally nothing left for me to do as a resident of California that is required under the FCRA in my state of residence that would offer me any comfort in trusting the information provided by the XXXX CRA 's in protecting my personal and private information. Their continued abuse of my personal credit information is appalling and disgraceful and has caused me irreparable harm.
Just recently, I have been applying for a new housing rental and have been told that I have to pay twice the amount of a security deposit to secure the rental. That's {$8200.00} USD to pay as a security deposit instead of {$4100.00} that I would qualify for if it weren't for the fraudulent accounts that the XXXX CRA 's are allowing to report on my credit file. I have been charged a higher interest fee for buying a car due to their irresponsibility. This is just a snippet of what their actions have caused me for the last 2 years.
My wife was also a victim of this identity theft ring. As a matter of fact, my entire household was victimized by these two criminals. There were also several other victims named in the XXXX Police Departments Criminal case. My wife was able to get all of the fraudulent accounts removed and blocked from her credit file, while I was made to suffer for something that I had absolutely nothing to do with. Although I provided all three CRA 's with ample information to assist them in their investigations, it quickly became apparent to me that they could all care less about the accurate reporting of my personal credit information.
The fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts. My personal bank account was harmed in this fraud as well as it was literally drained at one point in time and I provided proof to all 3 CRA 's of this fraudulent activity. I am lucky that my local police department was able to catch the thieves and put a stop to their madness by locking them up. However, I can't say the same for any of the 3 CRA 's as they have facilitated the creditors in literally ruining what once was a great credit profile.
I kindly ask that you make the 3 CRA 's answer for why they have allowed fraudulent accounts to remain on my credit file by not removing or blocking the reported fraud from making its way into my credit file and damaging my good credit. I also kindly ask that you make them take action in removing the reported fraudulent accounts followed by blocking the creditor from ever reporting the fraud to the CRA again. My rights have been cosistently violated by XXXX, XXXX and Equifax for the last XXXX years and it must stop.
All police/FTC reports are verifiable and there are detectives ready to confirm what happened as is stated in the reports that I have provided to all 3 CRA 's . The accounts that I have been fighting to remove are as follows : XXXX. XXXX Bank XXXX Account - XXXX or XXXX ( transferred ) No action taken by the company XXXX- {$50000.00} XXXX. XXXX XXXX Account - XXXX ( closed ) No action taken by the company XXXX- {$8600.00} XXXX. XXXX XXXX ( closed ) No action taken by the company Account - XXXX Amount {$12000.00} XXXX and XXXX are by far the worst offenders. Equifax seems to have removed all fraudulent accounts except for the XXXX Bank account. XXXX is even listing addresses and phone numbers that don't belong to me.
In closing all I would like to happen is that my credit be restored to the condition it was in prior to the fraudulent activity that I have proven does not belong to me. I have complied with everything asked of me by the creditors and the XXXX CRA 's yet I get nothing in return but a fake credit file full of crimes not committed by me. All I ask is that these companies simply comply with my state law along with the FCRA rules and regulations.
Thank you for your time and understanding. Hopefully together we can put this all behind us and carry on.
At least the culprits are in jail.
Sincerely, XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | XXXXX | null | Consent provided | Web | 2022-09-08 | Closed with explanation | Yes | null | 5,957,781 |
2023-06-02 | Checking or savings account | Checking account | Closing an account | Funds not received from closed account | I closed my check account on XX/XX/2023, US bank said they will send me a check # XXXX with {$3100.00} ( balance ) in 7-10 days.
I did not receive the check.
I need call them 10 times and waited 30 minutes per calling, agents did not know how to deal with. Then they asked me to do notary public to state of loss the check.
In fact I did not receive it at all. US bank checked online and did cancel the check on XX/XX/2023.
After I sent them notary public XX/XX/2023. They did not send me the check.
I called again and again, they said we will send.
However I did not get it at all as today, Note : I did not remember my XXXX XXXX XXXX is the check of US bank that said to be sent to me, but I did not get.
They can find it 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 | U.S. BANCORP | CA | 91801 | null | Consent provided | Web | 2023-06-02 | Closed with explanation | Yes | null | 7,062,651 |
2021-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have sent plenty of letters to XXXX, TransUnion, & XXXX and have yet to hear a response from them. Im filing this complaint because I have been ignored and they have violated many of my consumer protection laws. The first violation is 15 USC 1692b ( 2 ) an alleged debt being furnished on my credit report is a violation. The second violation is the FCRA 15 USC 1681 states that the consumer reports can NOT include credit transaction arising from your credit card. My social security card is my credit card. The definition of credit card under 15 USC 1681 is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card, the credit card is my social security card. This credit card was used to originate every consumer credit transaction listed on my dispute letter. The third violation is the 1833 Emergency Banking Act states that a natural person can not assume ANY debts. Fourth violation is pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. I did not give permission. If I did please send a affidavit between us tow showing I granted you permission to furnish the report and have the senior executive create an affidavit to me. Have it notarized by the senior executive saying I granted permission to furnish the report.
Due to the fact that this information is on my report and is violating my consumer protection laws I demand that you remove it. I am the consumer and I have a right to privacy. Selling and sharing of my personal information without my written consent is identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30141 | null | Consent provided | Web | 2021-06-21 | Closed with explanation | Yes | null | 4,479,477 |
2022-10-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | this account had numerous unauthorized charges and filed and provided an FTC Identity Theft report as well as an IRS affidavit. I requested that they Do not disclose this information as is my right to request nondisclosure. And the original dispute took more than 30 days. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | XXXXX | null | Consent provided | Web | 2022-10-10 | Closed with non-monetary relief | Yes | null | 6,069,599 |
2023-01-08 | 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXXIn the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is {$48.00} reported XXXX XXXX I challenge the accuracy, compliance and reportability of this account.
Please validate this information with XXXX XXXX XXXX XXXXXXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action.
CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 604XX | null | Consent provided | Web | 2023-01-08 | Closed with non-monetary relief | Yes | null | 6,409,987 |
2020-03-05 | Credit card or prepaid card | Store credit card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | XXXX XXXX XXXX never disclosed my account would be serviced by Tidewater Financial Corporation. I did not receive disclosures per TILA that after my down payment, that I would be charged a 35 percent interest rate by Tide Water. I would have never agreed to that. My credit score was mid 600 's. So after I purchase there, and they reported my purchase to credit bureau as a maxed out card, it dropped my credit score 109 points immediately. That way they would be justified in charging a 35percent interest rate. I have been paying since 2017 on a XXXX dollar charge. They pyramid fees and don't count your extra payment. If my payment is XXXX and I pay XXXX they take it all in interest. Please help to protect other hard working Americans. They outsource and you can't get a clear answer from customer service. They will tell you a lower payment is due, so they can compile interest and fees. I should not still be paying on this from 2017!! | null | TIDEWATER FINANCE COMPANY, INC. | GA | 30083 | null | Consent provided | Web | 2020-03-09 | Closed with explanation | Yes | null | 3,555,319 |
2022-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporter act XXXX XXXX XXXX and XXXX XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2 a consumer reporting agency can not furnish your account without my written instructions | null | EQUIFAX, INC. | AL | 360XX | null | Consent provided | Web | 2022-07-17 | Closed with explanation | Yes | null | 5,780,105 |
2019-02-20 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/2019 I made a payment of XXXX to my credit card serviced by synchrony. The credit card company hadn't posted it by XX/XX/XXXX so I call them. They said there is a known issue of payments not posting that day. I said I wanted to dispute the missing payment. They said no they would not do it. They have no timeline for a fix and they acknowledged fees may show on the account because of their mistake. They said they may reverse the fees but why go through all that when I should be able to just dispute it and have it corrected right away. They said this is effecting everyone who made a payment on XX/XX/XXXX. How many people is this mistake hurting is unknown but please help them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | KS | 66215 | null | Consent provided | Web | 2019-02-20 | Closed with explanation | Yes | null | 3,157,652 |
2021-10-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I have tried calling XXXX on the phone and uploading documents regarding my dispute for XXXX XXXX XXXX. I am unable to get someone on the phone or upload documents. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07106 | null | Consent provided | Web | 2021-10-12 | Closed with explanation | Yes | null | 4,801,888 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | i have been a victim of identity theft, i have no knowledge of the accounts attached. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33334 | null | Consent provided | Web | 2023-06-08 | Closed with non-monetary relief | Yes | null | 7,082,890 |
2022-01-21 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | On XX/XX/2021 a payment was electronically transferred from XXXX XXXX XXXX in XXXX to Huntington bank for my credit card payment of {$300.00} I received an email in the middle of XXXX stating I had missed a payment I immediately sent {$200.00} thinking I had forgotten the payment via the same credit union and electronic transfer. The {$200.00} was received and applied to my account after searching my account I noticed that I had made a payment on XX/XX/XXXX and that was never applied for {$300.00} I have since been in contact with Huntington bank and after several numerous attempts I have not been able to get this resolved. I have emails dating back to XX/XX/2021 attempting to get this corrected I spoke to a supervisor at Huntington and he assured me that this was applied and corrected after I received a call from someone at Huntington I called them back and a very nice lady named XXXX XXXX was able to assist she has sent this to higher levels and increase the visibility of the complaint that I have as of this date I still have received no communication regarding my payment or the fee that was applied due to the late payment that Huntington says they never received I spoke to my credit union they advised multiple times that this payment was sent and removed from my account on XX/XX/XXXX and this issue is all on Huntington bank side. The one bright spot about this has been XXXX across who has tried to assist I have sent them everything from XXXXXXXX XXXX showing the transaction and date that this was removed and applied they received the {$200.00} that I immediately sent after notification of miss payment but can not say that they have received the {$300.00} payment sent on XX/XX/2021. I feel that I am getting nowhere and now reaching out to the CFPB for assistance | null | HUNTINGTON NATIONAL BANK, THE | OH | 441XX | null | Consent provided | Web | 2022-01-21 | Closed with monetary relief | Yes | null | 5,133,227 |
2022-09-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX 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. | GA | 30132 | null | Consent provided | Web | 2022-09-12 | Closed with non-monetary relief | Yes | null | 5,974,050 |
2019-12-04 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Right before closing my account and paying it off in FULL with a XXXX balance, Capital One, inaccurately and inappropriately reported my XX/XX/2019 payment as late. This is false and has resulted in my credit score dropping several points.
During the six plus years as a Capital One member, my payment due date has always been the XXXX.
As proof, Ive attached a copy of my bank statement-which clearly shows that I paid off my XX/XX/XXXXbalance in FULL on XX/XX/XXXX Yet this payment was reported late to the credit bureaus.
This was not the case A payment must be at least 30 days ( or more ) late, to be reported to the credit agencies. XX/XX/XXXX payment was paid IN FULL prior to XX/XX/XXXX.
My multiple pleas to Capital One have fallen on deaf ears. The frustrating task of contacting customer service and attempting to reach an individual is a fools errand. When faced with the challenge of resolving this erroneous mistake, you can literally feel their reps resort to a script and theres ZERO accountability. Its like a shell company being mechanically run, with no real overhead management to resolve issues.
I humbly ask that you modify and remedy this error, as Ive been diligently working towards building my credit.
Thank you, XXXX XXXX | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30144 | null | Consent provided | Web | 2019-12-04 | Closed with explanation | Yes | null | 3,457,928 |
2020-01-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30092 | null | Consent provided | Web | 2020-01-18 | Closed with non-monetary relief | Yes | null | 3,501,722 |
2022-06-10 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | XX/XX/2022, Id received an email about a supposed {$96000.00} debt being owed to my past management company from almost XXXX years ago. They told me I would have this debt reported to the credit bureau if I didnt pay it in XXXX days, which means my credit would be damaged. I emailed the debt collector back, telling them I didnt owe any debt, and to cease and desist, or I would take legal action for threatening and falsely accusing a consumer of a debt. However, they still continue to email me. | null | DCN Holdings Inc. | AK | 997XX | null | Consent provided | Web | 2022-07-05 | Untimely response | No | null | 5,656,758 |
2020-11-04 | Vehicle loan or lease | Loan | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | In XXXX I submitted a complaint against the company for still reporting and attempting to collect in this Debt for acct # XXXX. I asked they remove the account from my credit report based the MultiState Settlement Agreement that was finalized in XXXX. The State of Florida was awarded XXXX for unfair lending practices. I contacted Santander 3 times in XXXX and was referred to the Special Accounts department. Per a woman named XXXX. She was not aware of this Settlement. On the Settlement agreement website it list XXXX XXXX as the administrator. I contacted XXXX XXXX and was advised to wait for a postcard if I was to be included in the settlement. Santander was lending based on an Internal scoring according to the lawsuit. If I was a recipient then I would receive a postcard. I have received my postcard stating that I will be awarded restitution. I called Santander as advised once I received my letter or postcard and the special department would request that the trade line be removed from all of my credit reports. I have been wronged by Santander Consumer USA for far too long. Please do your part and remove these negative entries from my credit report forthwith! I have suffered enough from your unlawful handling of my loan. | null | Santander Consumer USA Holdings Inc. | FL | 33069 | null | Consent provided | Web | 2020-11-04 | Closed with explanation | Yes | null | 3,935,117 |
2022-04-18 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | This account does not belong to me. I had no prior knowledge of this account it has been opened without my consent after my personal information was stolen from me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | TX | 75227 | null | Consent provided | Web | 2022-04-18 | Closed with explanation | Yes | null | 5,460,349 |
2020-10-15 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | To whom it concerns : On XX/XX/2020 Collection company Receivables Performance has marked my credit for a balance of {$1900.00} for an account past seven years. On XX/XX/2020 I called to verify my information and due to statue of limitations the account should not be reported on my credit. I ask to please delete this account.
Thank you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Receivables Performance Management, LLC | TX | 77469 | null | Consent provided | Web | 2020-10-15 | Closed with explanation | Yes | null | 3,899,783 |
2021-06-05 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | On XX/XX/2021 I was alerted by XXXX that a new collection had posted to my credit report. I have never received any correspondence at the address where I live, nor any phone calls regarding any businesses with this company named " Enhanced Recovery Company '', and do not recognize any of the information associated with collection account. This is a violation of the FDCPA.
I have requested that the company validate the account associated with the alleged debt and remove it from my credit report immediately. | null | ERC | GA | 30213 | null | Consent provided | Web | 2021-06-05 | Closed with explanation | Yes | null | 4,434,362 |
2023-08-26 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I received an application order from Fortiva credit card when I read the terms I realized. They were excessive fees that although tempting by the amount they would approve of credit, the fees were excessive and take advantage of an average consumer trying to keep their heads above water. They should be stopped from take advantage of the consumers and make the fees more affordable to help, not hurt the average consumer. They are seriously taking full advantage and although I saw through it, most people won't understand until they are indebted to this company. Their terms of service allow them to change their rates at any time and the consumer can not opt out if they carry a balance... they are held XXXX to whatever the company wants to do and has to pay according to the changes if they are currently holding a balance. They are wrong and should be made to Lowe, eliminate and adjust their terms to ones that are fairer to the consumer. | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | FL | 322XX | null | Consent provided | Web | 2023-08-26 | Closed with explanation | Yes | null | 7,467,474 |
2015-08-24 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | Credit Bureau : XXXX XXXX : Jomax RecoveryThis is a collection that was opened in my name on XXXX/XXXX/2015 that was not authorized by me. I do not find it to be legal to open an account using my social security number to collect a debt. Furthermore this debt should not exist AT ALL. This appears to be a bond that was purchased in the event a bill was not able to be paid. If that were to occur, the bond would cover the bill. The original company appears to be XXXX XXXX XXXX XXXX which is showing on my XXXX credit report. I do not believe the debt collection is valid if the original creditor is attempting to collect on the same debt. Just because Jomax Recovery may have purchased my information does not give them the right to open an account in my name which is now reflecting on my credit report. I need LEGAL proof that they are representing the debt in which they are attempting to collect. Even still, it is also not legal for XXXX companies to collect on the same debt at the same time. | null | Jomax, LLC | AL | 35235 | null | Consent provided | Web | 2015-08-31 | Untimely response | No | No | 1,532,232 |
2019-02-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I sent this company my dispute letter on XX/XX/XXXX with detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them run a smooth investigation on this matter : But to my surprise this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action.
For yet one last time, the following accounts are derogatory : XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3300.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2800.00} XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1900.00} XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Original Balance {$610.00} XXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$5800.00} I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94803 | null | Consent provided | Web | 2019-02-01 | Closed with non-monetary relief | Yes | null | 3,139,919 |
2017-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Between XXXX and XXXX 2017, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me.
This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX/month. Given that I am XXXX years and XXXX months old, and the social security administration estimates my lifespan at 82.2 years, this means I will need to pay for this service for an expected 54.7 years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information. | null | EQUIFAX, INC. | TX | 78705 | null | Consent provided | Web | 2017-09-13 | Closed with explanation | Yes | null | 2,672,558 |
2023-07-14 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | The company is transworld system llc stating that I owe XXXX since XX/XX/2020 for utilities I do not acknowledge this debt this is against US CODE 1681 and is a defamation to my character and livelihood I have filled an identity theft report | null | TRANSWORLD SYSTEMS INC | GA | 30127 | null | Consent provided | Web | 2023-07-14 | Closed with explanation | Yes | null | 7,250,610 |
2020-02-09 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | XX/XX/XXXX USAA rep informed me XX/XX/XXXX statement shows USAA BEGAN their Fraud Investigation the day I reported it on XX/XX/XXXX with Adjustment Purchases of USAA Credits. This is shown on the statement. 1 ) How could there be 6 Fraud Credit Reversals * BEFORE THE FRAUD WAS REPORTED ON XX/XX/XXXX??????? 2 ) What happened with the 17 Adjustment Purchases BEGINNING Fraud Investigations. Six ( 6 ) were REVERSALS * BEFORE THEY WERE REPORTED. USAA. What happened to those NOT REVERSED? So why is USAA NOT ACCOUNTABLE FOR THE FRAUD? There are NEVER 2 CREDITS FOR ONE PURCHASE TO REVERSE? | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | FL | 337XX | Older American | Consent provided | Web | 2020-02-09 | Closed with explanation | Yes | null | 3,525,785 |
2015-06-30 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | Due to unforeseen hardship during XXXX semesters of my XXXX career, the federal financial aid and tuition assistance by my employer was not enough. After being declined by my local bank I resorted to taking out a small ( {$6000.00} ) loan from the private lending company, Sallie Mae. I graduated with my XXXX 's XXXX XX/XX/XXXX and 2 months ago ended up losing my job to due lay-offs.
As soon as I lost my job I contacted Sallie Mae to alert them of the situation and began attempting to negotiate a lower monthly payment amount ( from {$300.00} to {$50.00} until I am able to get back on my feet ) .I have sent Sallie Mae a total of XXXX letters via Certified Mail and in response they began calling me an average of XXXX times per day, every hour, starting as early as XXXX.
In my XXXX, XXXX, and XXXX letter I explicitly requested that Sallie Mae attempt all further communication via paper letters rather than phone messages however these requests have been ignored and my phone continues to ring off the hook and I am met with at least XXXX harassing messages threatening " something bad will happen '' if I do not call them back.
I am not avoiding making my student loan payments and even in this financially difficult time I want to maintain an open line of communication with Sallie Mae, however I feel that their collection attempts have crossed over the line into being harassment. | Company disputes the facts presented in the complaint | SLM CORPORATION | WA | 98684 | null | Consent provided | Web | 2015-06-30 | Closed with explanation | Yes | No | 1,444,335 |
2020-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 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. | NJ | 08016 | null | Consent provided | Web | 2020-09-09 | Closed with explanation | Yes | null | 3,836,958 |
2018-05-20 | 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 | Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95687 | null | Consent provided | Web | 2018-05-20 | Closed with explanation | Yes | null | 2,912,265 |
2021-06-14 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | While I was on my XXXX XXXX Account on XX/XX/2021, I noticed that my credit score was dropping. In checking to see the reason why my credit score was dropping I found that there is a collection on credit report from XXXX XXXX XXXX.
Account Number : XXXX Original Creditor : XXXX XXXX XXXX, XXXX.
Current owner : XXXX XXXX XXXX XXXX ID : XXXX Balance : {$1000.00} Accountholder Name : XXXX XXXX This account was fraudulently opened in my name without my knowledge. On XX/XX/2021, I filed a police report with my local law enforcement agency, and notified XXXX, XXXX, and XXXX of Identity Theft. I have also reached out to the collection agency, and completed and returned to them a Identity thef affidavit with a copy of my police report, police report case number : XXXX with the XXXX XXXX Police Department ORI Number : XXXX. Reporting Police Officer : XXXX, Badge No. XXXX.
I have reached out to XXXX XXXX XXXX, and was directed back to the Collections Agency. I have since purchased XXXX XXXX, and placed a Freeze on my Credit Report. | null | Halsted Financial Services, LLC. | MI | 48313 | null | Consent provided | Web | 2021-06-14 | Closed with explanation | Yes | null | 4,457,266 |
2018-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you. | null | Security National Automotive Acceptance | GA | 31405 | null | Consent provided | Web | 2018-05-09 | Closed with explanation | Yes | null | 2,897,208 |
2017-05-23 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | Hello, I have noticed that my len der, Navient, is not applyi ng extra payments I am making to my loan in a way that maximizing my repayment. I followed instructions on the cfpb website with regards to how I wanted my payments to be handled and emailed my instructions to the lender. They shared that they could not set up in advance how to handle extra payments, but rather that each time I paid an extra amount, I would need to wait for the payment to post and then email instruction s ( corresp ondence attached ). I als o called Navient on XXXX to receive additional details that they told me another method would be to send them a check and then send instructions every time I mailed a check. I pay a bit extra every month so this is not a realistic or consumer-friendly policy. Next, they have an error on their site, they say that you can not add more than the minimum about to you auto payment. It says " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. '' However, when I called the lender on XXXX , they told me that I could pay more than the amount with the autopayment ( ACH ), but that they had to set it up over the phone and that it would " change the terms of my loan. '' When I pushed her on what she meant by change the terms, she said she just meant changing the payment schedule. I asked that she please send me all the details in writing and shared that they are sharing erroneous information on their web portal with their borrowers regarding payment methods. | null | Navient Solutions, LLC. | OR | 97206 | null | Consent provided | Web | 2017-05-23 | Closed with explanation | Yes | null | 2,492,215 |
2017-06-23 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | Below is the letter I sent to Citicards, which explains all of the details : My Payment always due each month on the XXXX Ive never been delinquent to Citibank, and for the couple of times I was one or two days late, I paid the hefty fee of {$35.00}. But for the record, I have never been over 30 days past due, which is what is reported to the credit bureaus.
Being a loyal consumer since XXXX has become more of a detriment to me lately.
OnXX/XX/XXXXmy Credit Limit was still as it has always been {$3100.00} On XX/XX/XXXX I made a payment in the amount of {$2500.00} On XX/XX/XXXX your company suddenly decides to run a credit check on me and decrease my spending limit based on delinquencies to other creditors That is what I was told when I called, but dont believe it for ONE second. It is clear and very obvious to everyone that Ive spoken to that this is being handled as a reprimand for me being a conscientious consumer trying to pay down her debt and increase her credit score, as now you can no longer collect quite as much interest per month from me, so now I must pay the consequences. Again, just to underscore how sure I am of this reasoning : My payments to YOU are on time Those other creditors you are referring to if you bothered to check the truth are debts that I disputed as invalidThat is why they havent been paid. As the credit bureaus should be removing them, since the creditors were not able to validate them.
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So, suddenly, on XX/XX/XXXX, I make a large payment of {$2500.00}, and the way I am rewarded for that as a loyal consumer is by dropping my credit limit down to {$600.00} which then makes it look as if Im : 1. Over utilizing my credit with you FALSE!
2. Going over the Limit by {$74.00} FALSE!
Several, and I mean several inbound and outbound calls were made surrounding the 48 hour period of that large payment by many different customer service agents from Citi who were concerned that there may be a security breach of some type. Okay, sure some stranger kindly decided to make a large payment on my account balance? Come on now, these excuses above dont even make any sense. Say them out loud once or twice. Its clear you want the interest. And dropping a LOYAL consumer from a {$3200.00} limit to {$600.00} isnt a bit extreme????
This is completely unacceptable to me as I am being a responsible consumer who wants to lower her debt, and increase her credit score ( which by the way your two moves above did the opposite ). Why is there a punishment for that? Is someone at Citibank at risk for not getting as high of an annual bonus for this? I can not even imagine another reason. And please dont patronize me by trying to explain that you randomly pull credit reports on an annual basis. While this much may be true, please re-visit the second set of bullet points, and youll see why this will not hold as a valid excuse.
And as if the above isnt ludicrous enough, in of itself, you have the nerve to charge me the standard interest rate {$38.00} based on the entire previous balance of {$3100.00}, along with a {$14.00} over the limit fee?
Im pretty confident that I can find enough social media sites, and mom blogs, as well as the Fair Credit Reporting Act would be able to assist me further.
This is the most unfair treatment I have ever seen by a company as large as yours, and all you have to do is make this right, but since Im not 100 % confident that is going to happen, I will be submitting complaints to The Consumer Financial Protection Bureau and the FDIC as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | PA | 19114 | null | Consent provided | Web | 2017-06-23 | Closed with explanation | Yes | null | 2,557,069 |
2023-03-17 | 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 | Transunion has 13 inquiries on my credit report. I have written a letter and no response. It has been well over 90 days. The following are the inquiries and dates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60619 | null | Consent provided | Web | 2023-03-17 | Closed with explanation | Yes | null | 6,711,842 |
2022-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I am disputing the account Pacific credit exchange account # XXXX the collection agency has re-aged this account according to the original creditor XXXX XXXX Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX Pacific credit exchange is reporting XX/XX/XXXX On record until XXXX on my credit report.
Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance. | null | Pacific Credit Exchange Corporation | CA | 94501 | null | Consent provided | Web | 2022-04-22 | Closed with explanation | Yes | null | 5,423,898 |
2020-10-29 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | Midland Credit Management has sent me a " Final Notice '' stating I have to pay the full amount of {$610.00} by XX/XX/2020 by logging in to an account on their website at Midland Credit.com. I have never set up an account with them online. Also, after looking over reviews for this company, it is clear they have scammed many people in the past. In this notice, they state they can have a lien placed on my property, garnish my wages and accounts, and obtain information about my assets by the use of a notice request, deposition, or subpoena to appear in court. They claim they have an attorney review planned in my state of GA and I am responsible for court costs and post judgment interest charges. I know nothing of this company and do not trust anything they state because numerous complaints and scam alerts have been posted regarding their authenticity and policies. | null | ENCORE CAPITAL GROUP INC. | GA | 30180 | null | Consent provided | Web | 2020-10-29 | Closed with non-monetary relief | Yes | null | 3,925,775 |
2023-07-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | null | EQUIFAX, INC. | TX | 782XX | null | Consent provided | Web | 2023-07-25 | Closed with explanation | Yes | null | 7,301,948 |
2021-11-08 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | This is my second complaint against LAW OFFICES MBA XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX attempting to collect a Medical Debt not has been been validated but has sent my medical records from another 3rd party company XXXX XXXX XXXX which is a direct violation of HIPPA. I never signed a form giving permission for them to have access to my medical records and personal data. In the letter and PDF email they sent on page 3 shows my medical records and personal data.
XX/XX/2021 : Personal and private email message from The Law Offices of Mitchell D. Bluhm and Associates enclosed. | null | The Law Offices of Mitchell D. Bluhm & Associates | MS | 38655 | null | Consent provided | Web | 2021-11-18 | Closed with non-monetary relief | Yes | null | 4,886,243 |
2023-02-23 | 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 | I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX I authorized XXXX XXXX on XX/XX/2021 to pull my credit only with XXXX XXXX and XXXX XXXX XXXX they made an error and ran with my credit with XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX I reached out to the XXXX XXXX XXXX to have the unauthorized pulls removed he refused and gave me a letter saying I should submit it to the credit bureaus since then Ive spent money sending certified letters and making phone calls to have these items removed my credit went from the 600s to the 500s the credit bureaus have come back stating the inquiry disputes were upheld even with the letter from XXXX XXXX stating it was their error | null | EQUIFAX, INC. | MA | 018XX | null | Consent provided | Web | 2023-02-23 | Closed with explanation | Yes | null | 6,601,622 |
2023-03-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32068 | null | Consent provided | Web | 2023-03-06 | Closed with explanation | Yes | null | 6,655,605 |
2020-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I pulled a copy of my credit report and notice information from XXXX XXXX XXXX on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXX stating that XXXX XXXX XXXX verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to XXXX XXXX XXXX XXXX XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled '1st letter sent ' ). To date we still have not receive a response from XXXX XXXX XXXX and we know they receive the correspondence sent ( please see attach signed green return receipt ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33024 | null | Consent provided | Web | 2020-05-30 | Closed with explanation | Yes | null | 3,675,194 |
2021-07-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I had fraud on equifax report 8 years ago and they put I pay 1 payment a year to not take this illegal way of keeping on my report.
They tricked me and when I got XXXX XXXX credit card and asked could it have been family or friends? I didn't know 1 month after fraud happened. They then said they couldn't take off credit for 7 years because I said it could be family or friends which it was overseas fraud. Whoever did this took XXXX XXXX dollars cash in 3 weeks without calling me to see if it was right or fraud. They are going to be sued, my attorney general will be called, my personal lawyer will take them to don't for blindly lying to meThey admit they lost police report, lawyer report and ftc repirt.Then their investigation was just as bad as the fraud. They did nothing that the FAIR CREDIT REPORTING AGENCY MAKES SECTION 604, 609, 611 AND 623 AGAINST THE LAW ( FEDERAL AND STATE ) IN 3 WEEKS THEY HAVE NO ID, TAPES, SIGNATURES OR LETTERS STATING I COMMITTED THIS WHICH I HAD TOP SECRET CLEARENCE MY WHLE LIFE. THEY NEED SNOTHER CLASS AGENCY LAWSUIT AGAINST THEM BECAUSE THEY DONT TRAIN THEIR XXXX WORKERS SMERICAN LAWS. I SWEAR I WI BE RICH IF THEY DONT TAKE OFF THE XXXXXXXX XXXX XXXX OF XXXX XXXX DOLLARS, LATE PAYMENTS OVER 5 YEARS AGO THAT WERE PAID AND XXXX HARD ONQUIREYS THAT I HAD FREEZE ON.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX SS XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | PA | 17406 | Servicemember | Consent provided | Web | 2021-07-03 | Closed with explanation | Yes | null | 4,513,710 |
2022-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | To CFPB From Consular Court Tribunal Case No XXXX Fraudulent Claim XXXX XXXX, XXXX, XXXX ... Failure to release title for vehicle. Identity theft reporting debt on a XXXX XXXX XXXX using the petitioners XXXX without consent or knowledge of princess XXXX XXXX XXXX.
More over their attempt to file a illegal lawsuit failed Cc Case No XXXX XXXX XXXX XXXX XXXX is not a party to their legal claims nor a party to the Complaint filed on XX/XX/XXXX after a Default Judgement was entered against XXXX XXXX XXXX etc, .. et. al, ... on XX/XX/XXXX in the XXXX XXXX XXXX therefore the XXXX XXXX accepted the removal from the XXXX XXXX XXXX etc, .. and allowed the matter to be Void due to the insurmountable amount of evidence against the filing parties on XX/XX/XXXX.
Notice the Electronic title document blacks out the title no. and the XXXX XXXX XXXX XXXX. which is the petitioners XXXX showing the last number only.
MY CLAIM CFPB CLAIM No. XXXX Cc American Declaration of the rights of XXXX people Cc XXXX Order XXXX XX/XX/XXXX.
Automobile paid in full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Offering refused by XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX.
XXXX and XXXX XXXX and or its parent co. XXXX XXXX filed a fraudulent claim on XX/XX/XXXX. Well after the petitioner herein known as princess XXXX XXXX XXXX filed her claim within the XXXX XXXX XXXX.
XXXX XXXX. TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
This was exposed by Experian on or about XX/XX/XXXX Cc : the Statement of identification by affidavit consul claimant envoy princess XXXX XXXX XXXX with the proper spelling and ex rel title appellation and name [ XXXX ]. Not XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX none of these improper spellings by defamation are her name. The Experian employee stated that there would be a legal matter filed as it was XXXX the first paragraph.
On XX/XX/XXXX XXXX was to appear within the XXXX XXXX XXXX by way of XXXX XXXX and failed to do so. On XX/XX/XXXX they hired a law firm by the name of XXXX XXXX XXXX XXXX location XXXX XXXX by way of XXXX other locations hiding their true identity as XXXX XXXX XXXX XXXX filed under the name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
The property alleged to be in debt is held within a XXXX. The name of the XXXX is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX whom they really are as a XXXX or XXXX XXXX and such the like, filed the claim against a XXXX XXXX XXXX with XXXX XXXX 's. As such doing vetting and due diligence as we in this jurisdiction do, we researched the name. The woman named XXXX XXXX XXXX does not exist in XXXX XXXX XXXX where the case was filed but is located in XXXX XXXX and or XXXX.
Nonetheless the case was filed. After multiple attempts to file into the case in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the XXXX being illegally misused in the case, XXXX XXXX order XX/XX/XXXX XXXX in chambers stating that the woman XXXX XXXX XXXX XXXX is not a party to the matter only a XXXX XXXX XXXX XXXX XXXX XXXX 's.
This XXXX XXXX XXXX along with the XXXX XXXX XXXX XXXX XXXX XXXX supported by the XXXX XXXX United States Dept of Justice and the XXXX XXXX are working together or coordinating the facts, evidence and preparing a trial after said investigation and or discovery.
The part of XXXX XXXX XXXX XXXX - Their hand is heavy and have filed liens taken private property as of XX/XX/XXXX XXXX located in California in the by the XXXX XXXX XXXX XXXX XXXX no extra XXXX as they filed it in XXXX XXXX. They partook in what the former head of XXXX XXXX XXXX an Adverse Possession '' not a foreclosure, by changing the XXXX numbers of the property and recreating a new title. For the property just as the property located within her XXXX is clearly tendered in full. This matter is now in the Jurisdiction of the Consulate and the XXXX XXXX XXXX along with Coordination Divisions with the XXXX XXXX United States Dept of Justice and the XXXX XXXX.
XXXX VI Clause XXXX This Constitution, and the Laws of the United States which shall be made in XXXX thereof ; and all Treaties made, or which shall be made, under the XXXX of the United States, shall be the XXXX XXXX of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any State to the Contrary notwithstanding. XXXX Supremacy of Federal Law XXXX Supremacy Clause XXXX Supremacy Clause : Early Doctrine XXXX Dual Federalism in the XXXX and Early XXXX Centuries XXXX Supremacy Clause : Current Doctrine | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89149 | null | Consent provided | Web | 2022-11-15 | Closed with non-monetary relief | Yes | null | 6,206,565 |
2019-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | This is an issue Discover was going to handle a long time ago. I was recently looking at my XXXX XXXX and noticed it is saying XX/XX/XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report.
I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and XXXX and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers.
I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct. | null | DISCOVER BANK | NY | 10305 | null | Consent provided | Web | 2019-05-13 | Closed with explanation | Yes | null | 3,241,028 |
2022-03-28 | 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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95834 | null | Consent provided | Web | 2022-03-28 | Closed with non-monetary relief | Yes | null | 5,374,523 |
2019-12-13 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | Midland Credit Management has called my wife 6+ times a day from a blocked or restricted number. They continue to call me from the same restricted number despite being advised they cannot reach her at this number. These calls are being auto dialed, which I specifically told them we do not accept. There is often no one on the other line, or a 15 second delay while they connect. By blocking their number intentionally, they limit their capability to be held accountable for TCPA violations. | null | ENCORE CAPITAL GROUP INC. | TN | 379XX | null | Consent provided | Web | 2019-12-13 | Closed with non-monetary relief | Yes | null | 3,467,555 |
2023-02-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX | null | EQUIFAX, INC. | FL | 32404 | null | Consent provided | Web | 2023-02-08 | Closed with explanation | Yes | null | 6,546,093 |
2017-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Hi XXXX got my wrong date of birth from some sources. To correct it I have sent two documents ( DL & SSN ) to XXXX on XXXX XXXX . They confirmed over the phone they will update withi n 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the docu ment and they are completely clueless why they have not updated my DOB. As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up. Please help me to resolve this issue ASAP. With Thanks XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60502 | null | Consent provided | Web | 2017-05-15 | Closed with explanation | Yes | null | 2,483,831 |
2023-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89142 | null | Consent provided | Web | 2023-06-29 | Closed with non-monetary relief | Yes | null | 7,193,952 |
2022-01-20 | 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | null | Consent provided | Web | 2022-01-20 | Closed with non-monetary relief | Yes | null | 5,131,900 |
2018-09-25 | Checking or savings account | Savings account | Opening an account | Unable to open an account | Opened on XX/XX/XXXX, a saving account online. Online application went to pending contingent on receipt of account being funded. Check mailed to fund account XX/XX/XXXX. To date have not received any correspondence or notification of account opening. Attempted on XX/XX/XXXX, to initiate chat to determine account status, including providing all requested details, and chat agent ended chat prematurely. Also attempted to call to determine status of account and was placed on a continuous hold. | null | HSBC NORTH AMERICA HOLDINGS INC. | VA | 22204 | null | Consent provided | Web | 2018-09-25 | Closed with explanation | Yes | null | 3,028,549 |
2016-08-06 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | Received collection letter dated XXXX XXXX, 2016 stating unpaid balance of {$49.00} for alleged account with XXXX XXXX XXXX, XXXX. No account exists, nor has ever existed. Moreover, the municipality in which I reside has contract with XXXX XXXX, therefore impossible to have an outside account. | Company believes it acted appropriately as authorized by contract or law | ERC | MA | 01609 | null | Consent provided | Web | 2016-08-06 | Closed with non-monetary relief | Yes | No | 2,049,821 |
2023-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 | Experian Information Solutions Inc. | GA | 30038 | null | Consent provided | Web | 2023-06-23 | Closed with explanation | Yes | null | 7,160,438 |
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 | I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.
I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.
In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX have violated my rights.
15 U.S.C. 1681 Section 602 A States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. | null | EQUIFAX, INC. | TX | 75067 | null | Consent provided | Web | 2022-11-25 | Closed with explanation | Yes | null | 6,241,124 |
2021-03-05 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | ON XX/XX/XXXX RECEIVED LETTER FROM XXXX XXXX , XXXX ABOUT DEBT FROM LVNV FUNDING, LLC. RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT, RECEIVED NO RESPONSE ON XX/XX/XXXX RECEIVED LETTER FROM RESURGENT CAPITAL SERVICES REPRESENTING LVNV FUNDING, LLC RESPONDED WITH A DISPUTE LETTER TO VALIDATE DEBT WITH MY SIGNATURE THAT I OWE. THEY DIDN'T VALIDATE DEBT.
ON XX/XX/XXXX RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX XXXX. REPRESENTING LVNV, RESPONDED WITH DISPUTE LETTER TO VALIDATED DEBT, RECEIVED NO RESPONSE.
ON XX/XX/XXXX RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX STILL REPRESENTING LVNV. RESPONDED WITH A LETTER ASKING AGAIN TO VALIDATE DEBT.
ALL OF THESE COMPANIES ARE AFFILIATED AND HAVE BEEN INVOLVED IN A CLASS ACTION SUITE IN THE STATE OF NEW JERSEY.
THESES COMPANIES HAVE HARASSED ME IN A THREE MONTH TIME PERIOD. | null | Resurgent Capital Services L.P. | NJ | 07106 | Servicemember | Consent provided | Web | 2021-03-05 | Closed with explanation | Yes | null | 4,184,947 |
2023-06-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 U.S. Code 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 The creditor has reported that from XX/XX/XXXX through XX/XX/XXXX, my account payments were late or not made, which is false. The payments were all made and were on time each month. I have tried contacting the creditor and all three credit bureaus about the issue. Each time, they just report back that they can not change what my credit report says because the original report was accurate when in fact, it was inaccurate and is causing me not to be able to build my credit as quickly and efficiently now and is also causing me not to be able to get new credit with other companies. | null | EQUIFAX, INC. | GA | 304XX | null | Consent provided | Web | 2023-06-04 | Closed with explanation | Yes | null | 7,066,710 |
2020-09-16 | Debt collection | Credit card debt | False statements or representation | Impersonated attorney, law enforcement, or government official | XXXX XXXX is reporting a WRONGFUL COLLECTION ON MY CREDIT REPORT. XXXX # XXXX date of default was in XX/XX/XXXX and in accordance with FCRA collector does NOT have the right to report after 7 years from the date of default .... After contacted Porfolio on numerous occasions they ignored my requests and now agressively attempting to collect debt I don't owe in first place ... Representative stated 7 years would be up on XX/XX/XXXX which is a lie, they reported exp date to Exp as XX/XX/XXXX which is also a lie and XX/XX/XXXX to XXXX also a lie ... After speaking with operations manager AGAIN requesting removal of this account that does NOT belong to me ( last name on the account is XXXX ) my last name is XXXX, he asked for my ss # and stated he would ADD it to the account which is NOT what I asked for and this should NOT be legal to do ... | null | Global Portfolio Recovery, LLC | CA | 94544 | null | Consent provided | Web | 2020-09-16 | Untimely response | No | null | 3,849,225 |
2019-10-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am a victim of identity theft | null | EQUIFAX, INC. | NC | 28227 | null | Consent provided | Web | 2019-10-29 | Closed with non-monetary relief | Yes | null | 3,421,794 |
2023-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77021 | null | Consent provided | Web | 2023-06-30 | Closed with non-monetary relief | Yes | null | 7,192,542 |
2022-09-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months. | null | EQUIFAX, INC. | LA | 70769 | null | Consent provided | Web | 2022-09-19 | Closed with explanation | Yes | null | 5,995,793 |
2020-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Ford Motor Company reported 30 months of late payments. I owed {$1700.00} left on a vehicle costing {$27000.00}. My car payments were {$350.00} The car was a charge off but they continue to add late payments every month even though the account is closed. I have Repeating disputed this issue. The credit companies claim they investigate it. The information isnt correct, I tried Initially to have them repurchase the car under lemon law. They wouldnt allow me to although the vehicle has had several class action suits the latest being the air bag failure. Ford fights every case hoping the consumer will lose interest. I am Hopeful I can receive help here. | null | FORD MOTOR CREDIT CO. | WA | 98029 | Servicemember | Consent provided | Web | 2020-05-08 | Closed with explanation | Yes | null | 3,643,753 |
2018-02-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I was denied an apartment with XXXX XXXX on XX/XX/18 because of my credit score. Upon looking at my Experian report, I noticed several inaccuracies. When I attempted to contact Experian online, I was told my dispute could not be filed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 43537 | null | Consent provided | Web | 2018-02-18 | Closed with explanation | Yes | null | 2,818,117 |
2023-09-07 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXXBalance Owed : {$2100.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33432 | null | Consent provided | Web | 2023-09-07 | Closed with non-monetary relief | Yes | null | 7,508,307 |
2023-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'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. | NC | 273XX | null | Consent provided | Web | 2023-08-15 | Closed with non-monetary relief | Yes | null | 7,402,241 |
2019-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file.
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93536 | null | Consent provided | Web | 2019-10-01 | Closed with explanation | Yes | null | 3,391,791 |
2022-05-14 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Hi. I am going to copy and paste the necessary information along with a summary of my situation.
In XXXX, my card was used for multiple fraudulent transactions online. Some of them were connected to XXXX and my card. I live in a different country than the United States. Soon after the charges posted my Charles Schwab account and I noticed, I immediately called the bank to tell them about the fraud.
Of the 8 charges that were fraudulent that I notified them about, they only created a case for two of them, and instead of being marked as fraudulent charges, the cases were marked as basic payment disputes.
I was told that it could take 45 days to investigate. After over two months with no notice, I contacted Schwab and was told that they closed my cases because I did not provide more information for their inquiry. I was never contacted by Schwab, and I therefore could never provide more information to them. This is also when I learned that they only filed 2 cases for charge disputes.
I am not just disputing these charges ; these charges are fraud. I did not benefit from these transactions. Someone used my card on the internet without my consent, and bought items and services that I did not utilize. All of these services and items were US based. To repeat, I do not live in the United States currently or when these charges were made.
I have contacted Schwab at least 4 other times to correct this issue. I have stopped calling them because I live in a different country, and I want proof in writing of my correspondence with them. They are not understanding or responding to my fraud case and it has almost been 6 months exactly since I have contacted them.
The charges are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | CHARLES SCHWAB CORPORATION, THE | TX | 774XX | null | Consent provided | Web | 2022-05-14 | Closed with explanation | Yes | null | 5,561,102 |
2023-08-12 | Credit card or prepaid card | General-purpose prepaid card | Trouble using the card | Trouble using the card to spend money in a store or online | The card is declined at both XXXX & XXXX which doesnt make any sense ( use as credit, no PIN number ). Plus, when using it online, it gets declined on almost every transaction. Doesnt matter the dollar amount or vendor. Then we must call in & get it unlocked every single time. | null | Blackhawk Network Holdings Inc. | MN | 55033 | null | Consent provided | Web | 2023-08-12 | Closed with explanation | Yes | null | 7,392,328 |
2020-02-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | us dept of education has two accounts appearing wrongfully on XXXX, transunion and XXXX ... ..they are both account no.s XXXX and XXXXBOTH OF THE ACCOUNTS HAD A FINAL PAYMENT XX/XX/2011.both of the accounts have been delinquent since XX/XX/2011 and never were brought current.So according to the FCRA both of the accounts should have been removed from all of my credit files about 1.5 years prior.THE DATE OF FIRST DELINQUENCY IS IN XX/XX/2011.THIS IS CAUSED BY MISREPORTING OF THE CREDIT HISTORY.THIS IS A VERY GRAVE ERROR ON THE PART OF THE CREDITOR AND BUREAUS.THE BUREAUS INVESTIGATION MUST INCLUDE WHAT I HAVE JUST STATED AND BE DELETED.ANY OTHER BEHAVIOR WILL LEAD TO INJUNCTION OF THE SUIT IMMUNE CREDITOR AND A STATUTORY WITH LIKELY PUNITIVE DAMAGES AGAINST THE BUREAUS.BEING A REPOSITORY CARRIES OTHER FCRA DUTIES SO WITHIN 30 DAYS ALL BUREAUS MUST REMOVE THESE 2 ACCOUNTS BECAUSE WHAT I HAVE SAID IS FACTUAL. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92264 | null | Consent provided | Web | 2020-02-19 | Closed with explanation | Yes | null | 3,536,433 |
2020-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Experian is in violation of my HIPPA rights.
XXXX XXXX XXXX is also in violation of my HIPPA rights.
XXXX XXXX XXXX is in violation of my HIPPA rights.
XXXX XXXX XXXX is reporting invalidated, unverified debt to Experian.
XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX.
Experian is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from XXXX XXXX XXXX that was sold by XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90035 | null | Consent provided | Web | 2020-02-06 | Closed with explanation | Yes | null | 3,522,963 |
2018-12-07 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Made several attempt to resolve these issue but to no avail could I get this resolved. RADIUS GLOBAL SOLUTIONS | null | Radius Global Solutions LLC | TX | 77045 | null | Consent provided | Web | 2018-12-30 | Closed with explanation | Yes | null | 3,093,771 |
2022-08-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have 4 different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently. | null | EQUIFAX, INC. | SC | 29605 | null | Consent provided | Web | 2022-08-29 | Closed with explanation | Yes | null | 5,925,889 |
2017-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Improper use of your report | Reporting company used your report improperly | For about 2-3 years Ive received ads from TD Bank regarding HELOCs. I do not own a home. I have no idea where they got the idea that I own a home. I submitted a written request ( secure email via my XXXX ) on XXXX to opt out of solicitation. It took the company 4 days to respond to my request. A XXXX ( no other identifying information ) refused to help me via secure email. I had to call their 800 #. I waited on the phone over 20 minutes to speak with a most unpleasant representative. I have absolutely no faith that Ive been removed from their marketing lists. | null | TD BANK US HOLDING COMPANY | MA | 01821 | null | Consent provided | Web | 2017-09-13 | Closed with explanation | Yes | null | 2,672,887 |
2021-07-16 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | I opened my regions account on XX/XX/XXXX.
I dont have another bank account there. They only report account openings when a bank account is in your name. My credit report shows 2 bank accounts when I only have 1 bank account and debit card. Temporary cards are not reported to your credit so they must have opened an account fraudulently when they gave me a XXXX debit card. On XX/XX/XXXX a new bank account was reported. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | REGIONS FINANCIAL CORPORATION | IL | 606XX | Servicemember | Consent provided | Web | 2021-07-16 | Closed with explanation | Yes | null | 4,551,140 |
2022-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NC | 28269 | null | Consent provided | Web | 2022-08-20 | Closed with explanation | Yes | null | 5,896,705 |
2022-03-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Back in 2019 i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize.
Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that i did not authorize.
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists 16 HARD inquires SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | KS | 661XX | null | Consent provided | Web | 2022-03-06 | Closed with non-monetary relief | Yes | null | 5,291,826 |
2017-10-28 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I have a debt on my credit for {$1400.00} which was due to XXXX XXXX but I guess they sent it to XXXX XXXX XXXX XXXX credit says it was opened XXXX/XXXX/XXXX. This is not my bill. I have the same company for at least 10 years and never had XXXX. I called XXXX they tried to find account with my name and then then I told them my last 4. Needless to say there was no match. So that means the person used my social security number with fake name. This is on the XXXX and not XXXX ; well at least not yet. I really need this off of my credit. So this XXXX breach has impacted my credit, and I am trying to get a house. Now I have to put it on hold. I am a working class wife and mother of XXXX. Everyone check your credit on a regular. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | SC | 29483 | null | Consent provided | Web | 2017-10-28 | Closed with explanation | Yes | null | 2,714,770 |
2023-08-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. | null | Experian Information Solutions Inc. | IL | 60487 | null | Consent provided | Web | 2023-08-09 | In progress | Yes | null | 7,372,725 |
2021-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt. | null | EQUIFAX, INC. | CT | 06902 | null | Consent provided | Web | 2021-04-14 | Closed with explanation | Yes | null | 4,297,962 |
2017-04-18 | Debt collection | I do not know | Disclosure verification of debt | Not given enough info to verify debt | I need to receive validation of this account. | null | ENCORE CAPITAL GROUP INC. | TX | 77004 | null | Consent provided | Web | 2017-04-18 | Closed with explanation | Yes | No | 2,441,119 |
2019-07-16 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | Ive repeatedly asked this credit bureau and NCC Business Services to supply me with documentation to provide to authorities. THis account was opened and established in my name in error or thru complete fraud. THis account needs to be removed from my credit file as the debt they are trying to collect does not belong to me in anyway. | null | NCC Business Services, Inc. | GA | 30032 | null | Consent provided | Web | 2019-07-22 | Closed with explanation | Yes | null | 3,307,868 |
2021-03-01 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | Citi has refused to remove a fraudulent charge from my MasterCard account.
Date of charge : XX/XX/XXXX Amount : {$50.00} ( a XX/XX/XXXX swipe ) Payee : XXXX XXXX XXXX On XX/XX/XXXX, I received a text message from Citi card asking is I made a {$200.00} charge at XXXX XXXX. I indicated that this charge was not made by me, and it never appeared on my account. When I went online to check my card, I saw two additional unauthorized transactions, a XXXXXX/XX/XXXX transaction ( dont remember the Payee ) and the above referenced charge to XXXX XXXX XXXX. The XXXX charge had a dispute charge pushbutton under the detail. I selected it and the charge was removed from my account. The XXXX XXXX XXXX detail did not have the dispute pushbutton.
XX/XX/XXXX I contacted Citi via their online chatbot.
Indicated to bot that the {$50.00} charge was fraud and asked them to cancel the card.
XX/XX/XXXX Was transferred to live chat with XXXX.
XXXX response : Please dont worry. The advisor you spoke to has taken care of the account.
XX/XX/XXXX Saw that the {$50.00} charge was still on my account.
Contacted Citi via their online chatbot.
XX/XX/XXXX Was transferred to live chat with XXXX.
XXXX response : I have checked your account and see that the dispute was already filed for this transaction and credit was applied to your old account and the credit will be transferred to your new account within few business days.
XX/XX/XXXX Saw that the {$50.00} charge was still on my account.
XXXX Citi via their online chatbot.
XX/XX/XXXX Was transferred to live chat with XXXX.
XXXX response : I am so sorry. In most cases a security credit for equivalent charge will be provided in 14 days from the date of reporting. But in your case, it has been longer. The dispute and credit will be handled by Security team and I am attaching their contact number. You can get in touch with them to track the status of dispute. The number for our Security team is XXXX XXXX XXXX XXXX. This department is available Monday-Friday XXXX EST.
I placed a call to this number while I still had XXXX engaged through live chat. I was only able to access a useless recording.
My response to XXXX : Well, that call was a waste of time. Recording says that it may take up to two billing cycles to remove. What gives?
XXXX : OK, let me provide you the best solution here. Please allow me a moment. I have sent a referral to disputes team to look into it. Dont worry it wont take 2 billing cycles. It should be done in a week ( maximum ). If the credit does not appear even after a week, you can email us.
ME : Thank you, XXXX. What email address should I use?
XXXX : The email address is XXXX. Please include merchant name, charge value, date and reason of dispute.
XX/XX/XXXX Received a document, posted to my account, saying that the dispute has been closed and confirming that I no longer disputed the charge.
XX/XX/XXXX Responded to XXXX with the following message : Good morning. I have been attempting for several weeks to have a fraudulent charge removed from my XX/XX/XXXXCard.
The charge of {$50.00} was made XX/XX/XXXX, a XXXX Swipe to XXXX XXXX XXXX Ice Cream. I DID NOT MAKE THIS CHARGE NOR DID I AUTHORIZE IT. On the same date, your fraud unit alerted me via text of a fraudulent charge to XXXX something. I responded to the text that the charge was not mine. It never appeared on my account. I went online immediately and found two other fraudulent charges. One was for XXXX XX/XX/XXXX. I clicked on the item and disputed it ; it has since disappeared from my account. The other, the above referenced XXXX XXXX XXXX charge, did not have the Dispute button under item details. I did an online chat. The old card was cancelled and a new card was issued, but the fraudulent XXXX XXXX XXXX dispute transferred to the new card. I have since chatted with your online Bot and customer service reps several times. The most recent was with XXXX on XX/XX/XXXX at XXXX. He assured me that the charge would be removed. But TODAY, I received a Resolution of Dispute message saying that I no longer disputed this fraudulent charge. THIS IS INCORRECT! I did NOT make this charge. I did NOT authorize this charge. I INSIST THAT IT BE REMOVED FROM MY ACCOUNT!
XX/XX/XXXX I telephoned the fraud line at XXXX XXXX XXXX XXXX. XXXX (? ) assured me that resolution was forthcoming.
XX/XX/XXXX Received a response to my email.
A quick update on your dispute. We wanted to provide you with an update for your {$50.00} dispute with XXXX XXXX XXXX XXXX XXXX VT. Since you reported the card number used for the disputed transaction lost or stolen, we forwarded your information to our Security Department for further review.The assigned Security Associate will contact you if they need additional information.
MY NOTE : The card was not lost or stolen. It never left my possession. The transaction was fraudulent. I do not know how my account number was retrieved by the fraudulent party.
XX/XX/XXXX Saw that the {$50.00} charge was still on my account. Contacted Citi via their online chatbot.
ME : Have been attempting to dispute a fraudulent charge for many weeks now. Still appears on my account. When I click on Dispute Charge, get this msg : Were very sorry were having technical issues. Please try again. We apologize for any inconvenience and appreciate your patience. [ XXXX ].
The chatbot connected me to representative XXXX.
XXXX : Hi, hope you are doing well. Welcome to Citi Live chat. We appreciate the opportunity to provide your banking services. I got your query. I will be happy to check it for you. Please allow me a few moment to review your account, your patience is highly appreciated. My goal is to satisfy all of your financial needs. Can I have the amount of the charge you are referring to.
ME : Thank you. The charge is {$50.00}, Posted XX/XX/XXXX for XXXX XXXX XXXX.
XXXX : I have got your query. Let me go ahead and check that for you. Please allow me a few minutes while I review your account. // Thank you for your patience. As I can see the the charge is on the old card and it is flagged on the old card, and that is the reason you are not able to dispute it on the new card. This charge is under the investigation and disputed the charge. Citi has initiated a dispute on this and we are looking into this. Do not worry about the available credit, Citi will post a security credit and it takes a few days to be posted to the account, as it is the investigation so that is the reason it is taking time [ sic ]. Please do not worry. Citi is here for you and will put all efforts yo get your funds back [ sic ]. Once the dispute is resolved in your favor the security credit will be posted as permanent credit. Please be rest assured!
XX/XX/XXXX The only outstanding amount on my card is the {$50.00} disputed charge. It is still showing on my account, so I placed another call to the fraud line at XXXX. Spoke with a young lady whose accent was so heavy we had serious difficulty in communicating ( I had to spell my name numerous times. ) She requested the account number of the bank account I use to pay my bill online. I had to answer a security question as well. I finally asked to be transferred to a supervisor. The supervisor reviewed my account, said she could not determine why this dispute had not been resolved and thought the best remedy would be to cancel the card that had been issued to replace the card that was used for the fraudulent transaction.
XX/XX/XXXX New card has been issued AND THE FRAUDULENT CHARGE WAS TRANSFERRED TO THE NEW CARD. I am being billed for the fraudulent amount plus late fees and interest. I am receiving text messages from Citi about my missing payment.
I have contacted Citi nine times concerning this fraudulent charge. It still remains on my account. I have been a Citi card holder since XXXX. Never had an issue until now.
What can I do to resolve this matter?
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | SC | 293XX | Older American | Consent provided | Web | 2021-03-01 | Closed with monetary relief | Yes | null | 4,173,618 |
2023-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have attached an FTC report with inquiries I did not apply for or authorize please delete | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ME | 042XX | null | Consent provided | Web | 2023-03-29 | Closed with non-monetary relief | Yes | null | 6,770,449 |
2022-01-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Someone has used my information to apply for credit without my authorization and knowledge. And as a result I am a victim of identity theft. They have caused damaged to my consumer credit report by reducing my credit score and preventing me from actually obtaining credit. I I have no knowledge of neither have I authorized those credit inquiries.
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax | null | EQUIFAX, INC. | FL | 34983 | null | Consent provided | Web | 2022-01-30 | Closed with explanation | Yes | null | 5,165,666 |
2022-03-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | There is a collection account on my credit report that is posted in error from Hunter Warfield collection agency due to a poorly written contract between XXXX XXXX XXXX and my son. I am the co-signer on my son 's behalf.
The property manager of XXXX XXXX started harassing me for more payments after I have already paid XXXX towards the 2-year term of a total {$8600.00}. After the manager requested more payments, we informed her we had already overpaid. She stated that the amount owed was XXXX per year. The contract stipulated that the term was for 2 years not one. At this point we discovered there was discrepancy in the agreement regarding payments. The total amount owed was worded confusingly. At this point around XX/XX/2017 my son moved out of the fraternity residence because we could not afford the new amount. After my son moved, we received constant calls and emails to pay the balance of what they thought we owed for 2 terms which would be XXXX per year. After many unsuccessful attempts to resolve this issue, we hired a lawyer who extensively explained to them Washington State law and how it works in favor of those who did not draft the contract, " if there's an internal conflict/discrepancy/ambiguity in a contract, it will be interpreted against whoever wrote it. '' Despite my attorney 's efforts, the property manager took this case to Hunter Warfield Collection Agency. This has impacted my credit score severely. | null | HW Holding, Inc | WA | 98036 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,332,071 |
2022-10-06 | Debt collection | Private student loan debt | Communication tactics | Frequent or repeated calls | Discover has been calling me nonstop for days after telling them to stop. I explained I had a medical issue and had trouble making ONE payment that they are harassing me over. Dozens of calls and voicemails | null | DISCOVER BANK | NJ | 082XX | null | Consent provided | Web | 2022-10-06 | Closed with non-monetary relief | Yes | null | 6,058,509 |
2019-08-08 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | frequent robo calls. they say to contact Radius Global Solutions at XXXX.
I have no debt nor have I ever used or had contact with this company. | null | Radius Global Solutions LLC | OR | 974XX | Older American | Consent provided | Web | 2019-08-08 | Closed with explanation | Yes | null | 3,334,034 |
2023-04-06 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | To Discover, XXXX, XXXX, XXXX, & NJ Attorney General A discover credit card was fraudulently opened in my name in XXXX, XXXX. In XXXX, XXXX I reached out to discover to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. Discover account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX, XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with Discover in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by Discover regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you. | null | DISCOVER BANK | NJ | 07032 | null | Consent provided | Web | 2023-04-06 | Closed with non-monetary relief | Yes | null | 6,804,651 |
2023-02-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The credit Bureau has violated the Law and the FCRA by Reporting the two accounts below inaccurately on my credit report. I demand that the Credit Bureau removed the to accounts listed below from my credit reports immediately Ive never opened an accounts with neither of the creditors ever before : 1.Name : XXXX XXXX XXXX Account number : XXXX Name : XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33056 | Servicemember | Consent provided | Web | 2023-02-27 | Closed with explanation | Yes | null | 6,624,195 |
2023-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | Credit Karma has not updated my XXXX credit score since XX/XX/2023.
I have had many accounts deleted or paid in full, as well as credit card balances paid down and need my score to update so I know where my credit health stands as a consumer. | null | Credit Karma, LLC | DE | 19720 | null | Consent provided | Web | 2023-04-26 | Closed with explanation | Yes | null | 6,890,713 |
2017-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In XXXX of XXXX , we applied at our local bank to refinance our home. Inaccurate facts were found on our credit report from Equifa x Information Services. The inaccuracies were showing as fraud alert information. Our home address was listed as a hotel/motel and both of our SS numbers were questioned. We called and sent Equifax a letter in XXXX of XXXX . We did not hear back from them. These inaccuracies are hurting our credit score and keeping us from refinancing. | null | EQUIFAX, INC. | IA | 520XX | Servicemember | Consent provided | Web | 2017-05-18 | Closed with non-monetary relief | Yes | null | 2,488,210 |
2023-03-28 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | I do not know Lockhart, Morris & Montgomery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, nor have I ever done business with them. Still they call and use abusive language and threats. Every single month they post new collection accounts to my credit account that degrade my credit score despite a dispute in place. I have asked XXXX to stop posting the bogus hits on my credit but they refuse. | Company believes it acted appropriately as authorized by contract or law | Lockhart, Morris & Montgomery Inc. | TX | 75904 | null | Consent provided | Web | 2023-03-28 | Closed with explanation | Yes | null | 6,765,470 |