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2023-04-19 | 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 | 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. | null | EQUIFAX, INC. | PA | 19135 | null | Consent provided | Web | 2023-04-19 | Closed with explanation | Yes | null | 6,861,816 |
2015-09-01 | Debt collection | Credit card | False statements or representation | Attempted to collect wrong amount | On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau.
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | XXXXX | null | Consent provided | Web | 2015-09-01 | Closed with explanation | Yes | No | 1,547,140 |
2022-10-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 137XX | null | Consent provided | Web | 2022-10-27 | Closed with non-monetary relief | Yes | null | 6,137,255 |
2023-03-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance : {$15000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 63114 | null | Consent provided | Web | 2023-03-08 | Closed with non-monetary relief | Yes | null | 6,658,947 |
2022-11-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 295XX | null | Consent provided | Web | 2022-11-09 | Closed with non-monetary relief | Yes | null | 6,178,677 |
2022-11-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In XXXX Of XXXX I reported to CFPB In regards to the XXXX XXXX account ending in XXXX. XXXX and XXXX at XXXX Between XXXX and XXXX Eastern Time, XXXX XXXX XXXX is still Reporting incorrectly to all Major credit bureaus. On XXXX I spoke with a representative confirming all what I have paid and what was still owed, The representative confirmed I have made XXXX in Payments to the above referenced company not one payment has been reported to the bureau. Monthly the payments are showing CO which stands for Charge OFF. The balance on the report shows XXXX the representative told me on XXXX the balance was XXXX. The report has a total of XXXX late months " XXXX 9 months '' which means would mean I never made a single payment ever on the account. The account was settled XXXX which they stated in the response in the last complaint. so if I have made payments why would my account balance not reflect the payments made or the arranged balance. I have attached correspondence from XXXX and XXXX. All Items in Exhibit B are inaccurate, invalid, not timely and carry no documented evidence of the true and accurate facts. To the least they have not been authenticated as per my rights or requirements you are damaging my character, creditworthiness and well being by falsely reporting balance and being non complaint reporting unverifiable account information.
Exhibit A - Corresopndence from XXXX and XXXX stating the balance owed as of XX/XX/XXXX Exhibit B- My Experian Credit Report That shoes XXXX negative payments and a incorrect balance owed. The payments the have received for the last 2 years are not reported. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | XXXXX | null | Consent provided | Web | 2022-11-03 | Closed with explanation | Yes | null | 6,161,740 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
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. | null | EQUIFAX, INC. | PA | 19133 | null | Consent provided | Web | 2023-05-04 | Closed with explanation | Yes | null | 6,925,023 |
2023-09-27 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I demand immediate and unwavering attention to my identity theft disputes. The languid pace at which your bureau has operated is nothing short of negligence, and it has amplified my suffering. It is high time you realize the real-world consequences of your inaction. PLEASE DELETE THIS ACCOUNT : XXXX XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11204 | null | Consent provided | Web | 2023-09-27 | Closed with non-monetary relief | Yes | null | 7,606,955 |
2023-04-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This account is currently reporting on my credit report, and I have not physically signed anything or applied for any type of credit with the merchant. I have previously requested an Investigation into this matter, and I have not gotten a resolution to the complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23324 | null | Consent provided | Web | 2023-04-25 | Closed with non-monetary relief | Yes | null | 6,889,324 |
2021-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX has been illegally reinserted using false, deceptive and misleading practices.
XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}.
PLEASE REMOVE IMMEDATELY. | null | EQUIFAX, INC. | NJ | 084XX | null | Consent provided | Web | 2021-06-24 | Closed with explanation | Yes | null | 4,488,820 |
2023-08-31 | Checking or savings account | Other banking product or service | Managing an account | Deposits and withdrawals | After contacting the IRS office and IRS Identity Theft Fraud Department, I came to the conclusion that I have been scammed and defrauded for the two cashier checks issued at your branch for {$39000.00} and {$42000.00} on XX/XX/XXXX and XXXX XXXX, respectively and the wires {$4900.00} and {$9100.00} sent from US Bank with the aid of inside help at US Bank..
On XX/XX/2023 my wallet was lost with my credit cards and driving license while traveling outside the US. Then, on XX/XX/XXXX I received an email from XXXX that there was a charge of {$800.00} submitted to XXXX as my US bank credit card was linked to XXXX, then, called XXXX immediately and I was transferred to someone at the US Bank who asked all kind of questions, and then advised me that an IRS agent ( XXXX XXXX ID ) would need to talk to me to report the fraud happened into my bank accounts. The IRS agent asked not to talk to anyone and mentioned the IRS to anyone at US Bank. Then he got remote access to my US bank account and wired {$4900.00} and {$9100.00} out of my account to an IRS server with private names ( US bank should have a record of those two wires ) to a safeguard IRS account.
After the IRS agent got access to my US Bank accounts he tried to send wires several times and used a XXXX account to send money from two US Bank Branches in XXXX XXXX and XXXX, that is when the US Bank fraud department blocked my accounts. I was threatened that if I mentioned that this money, {$110.00} XXXX, was requested by the IRS, to the US Bank, the IRS would freeze all my accounts for a long time at US Bank and elsewhere. Obviously, without any experience I believed it.
Please note this scammer IRS agent got inside help in he US Bank, as my investment fund of {$110.00} XXXX was liquidated without my authorization and knowledge and transferred to my checking account XXXX before was closed, even cash advance of {$6800.00} was transferred from my US Bank credit card and wire limit per day was increased without my request, and my authorization or consent, Thereafter, I requested that the US Bank to ; ( 1 ) stop and dishonor these two cashier checks on XX/XX/XXXX and US Bank refused and negotiated cashier checks on XX/XX/2023, and ( 2 ) recover the two wires of {$4900.00} and {$9100.00}, and ( 3 ) Reverse unauthorized cash advance of {$6800.00} on my credit card, and refused, and ( 4 ) Stop unauthorized use my overdraft protection, and they refused, ( 5 ) investigate who provided the inside help in the US Bank to this IRS agent scammer. ( 6 ) Reverse the illegal liquidation of my investment account of {$110.00} XXXX and refused. Then, US Bank froze my access by online, phone or at branches to all my accounts for 6 months and kept charging interest on my cash advance and refused to pay interest on unauthorized liquidated investment, saving accounts and checking account. Now the US Bank is harassing me daily calling me to make payments on credit card, interests on overdraft.
The US Bank has a responsibility to protect client 's money and the aforementioned happened under their watch and negligence. The US bank supposed to protect the consumer but they failed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | NV | 89183 | Older American | Consent provided | Web | 2023-08-31 | Closed with explanation | Yes | null | 7,484,506 |
2022-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30504 | null | Consent provided | Web | 2022-10-04 | Closed with non-monetary relief | Yes | null | 6,048,507 |
2021-11-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation. | null | EQUIFAX, INC. | GA | 30094 | null | Consent provided | Web | 2021-11-19 | Closed with explanation | Yes | null | 4,930,313 |
2019-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I was reviewing my credit records and I wanted to get some copies of documents on my account.
-The account closing date -Balance when account closed -Current reporting status with XXXX- XXXX- XXXX XXXX | null | Lending Club Corp | GA | 30168 | null | Consent provided | Web | 2019-02-06 | Closed with non-monetary relief | Yes | null | 3,145,265 |
2023-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. | null | EQUIFAX, INC. | TX | 77583 | null | Consent provided | Web | 2023-07-26 | Closed with non-monetary relief | Yes | null | 7,309,800 |
2022-09-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 21207 | null | Consent provided | Web | 2022-09-06 | Closed with non-monetary relief | Yes | null | 5,953,844 |
2020-05-18 | Checking or savings account | CD (Certificate of Deposit) | Closing an account | Can't close your account | The following pertains to a 9-mo Wells Fargo CD for roughly {$100000.00}.
XXXX - The CD matured.
XX/XX/XXXX - I called Customer Service, who agreed to roll the funds into my Savings account.
XX/XX/XXXX - I called back to confirm the funds were moving and was informed the previous agent hadn't submitted the forms correctly but they'd now been re-submitted and would close in 2 days.
XX/XX/XXXX - Called back and was referred to a Customer Care representative who stated that there was nothing he could do as the CD was now out of the grace period. He then suggested I go into a branch office to try and resolve it. Logistically, this is a problem and is contrary to what the branch executive told me prior to my calling Customer Service. He then offered to have a member from their Case Management Team would contact me in 48 hrs because he was out of options.
I have all names and times of my contacts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 105XX | Older American | Consent provided | Web | 2020-05-18 | Closed with explanation | Yes | null | 3,657,338 |
2022-01-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WA | 98007 | null | Consent provided | Web | 2022-01-25 | Closed with explanation | Yes | null | 5,148,395 |
2023-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | 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 | Experian Information Solutions Inc. | NY | 10459 | null | Consent provided | Web | 2023-07-28 | Closed with explanation | Yes | null | 7,317,689 |
2022-03-04 | 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 | My name is XXXX XXXX, I have been a victim of Fraud Since XXXX, I made a police report in XX/XX/XXXX in the city of XXXX texas. As I was called by a XXXX agency I used to work for telling me that an unknown person came in looking for work using my personal information. I have since battle with inaccuracies on my credit report, I constantly have to monitor my credit report for fraud information. I will be listing the Fraudulent Inquiries on my credit report as they have been done with out my authorization. I can provide my police report I made in XXXX along with letters I have been receiving from the US Department of Justice advising me of being a victim by 3 individuals whom have been indicted using my information.
XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX PENTAGON FCU PENTAGON FCU, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | TX | 75043 | null | Consent provided | Web | 2022-03-22 | Closed with non-monetary relief | Yes | null | 5,287,230 |
2023-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | To Whom It May Concern:
This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my
consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the
declaration of the rights granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit
report.
1. These inquiries were not authorized by me and I would like them to be removed ASAP
XXXX
Date of inquiry: XXXX
Please remove it from my credit report.
2. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN
ERROR THIS ACCOUNT IN VIOLATION
XXXX XXXX Account Number: XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE
THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA
623(a)(2)(B)
3. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an
error this account in violation.
XXXX
Account Number: XXXX
PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE
THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA
623(a)(2)(B)
4. Account involved in litigation "an incorrect high balance" an inaccurate date of last activity "REAGED
ACCOUNTS" "Reinsertion WITHOUT PROPER NOTICE" an undated late pay a charge off listed as open a
collection account with a limit.
XXXX XXXX XXXX XXXX XXXX Account Number: XXXXXXXX Please remove it from my credit report.
5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX
Date of inquiry: XXXX
Please remove it from my credit report.
The Fair Credit Reporting Act specifically details that all items within a consumers credit report
must be reported with 100% accurate information (not 99.9% or less), must be 100% verifiable
(not 99.9% or less), must be 100% complete information (not 99.9% or less), and must only be reported during the allowable
reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that
the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore,
please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above
account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information
as contained on the reported trade- line is in fact 100% Accurate, Complete, Verifiable, AND Timely. Please do not provide some
generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further
perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study
proved that over 79% of consumer credit reports contain errors. Another report shows that more than 90% contain errors. Why does
your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of
this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is
causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit
Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA,
as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take
any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying
with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful noncompliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the
flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will
be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any
unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting
your mistakes CORRECTED.
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS
OFFICE
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection
Bureau1700 G. Street NW Washington, D.C. 2055
CC: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau via fax (855) 237-2392
CC: Attorney Generals Office
CC: XXXX XXXX XXXX CC: State Senate
CC: Federal Deposit Insurance CorporationCC: Comptroller Of The Currency
CC: Federal Reserve System
CC: Credit and insurance
CC: Federal Trade Commission
CC: State Regulatory agenc | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20707 | null | Consent provided | Web | 2023-08-20 | Closed with non-monetary relief | Yes | null | 7,425,031 |
2018-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Applied for mortgage through XXXX XXXX and they said my report included my dads credit cards and mortgage. I dont own any property and have no XXXX or XXXX credit card. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 63011 | null | Consent provided | Web | 2018-06-21 | Closed with non-monetary relief | Yes | null | 2,942,606 |
2018-10-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have disputed the late payment status reported on the account XXXX FKA XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP | null | EQUIFAX, INC. | GA | 30122 | null | Consent provided | Web | 2018-10-08 | Closed with explanation | Yes | null | 3,039,809 |
2022-05-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. | null | EQUIFAX, INC. | FL | 33126 | null | Consent provided | Web | 2022-05-03 | Closed with explanation | Yes | null | 5,532,697 |
2020-01-16 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Noticed an authorized account on my credit file from COMMONWEALTH FINANCIAL in the amount of {$110.00} with an account number of XXXX. | null | Commonwealth Financial Systems, Inc. | IL | 60624 | null | Consent provided | Web | 2020-01-16 | Closed with explanation | Yes | null | 3,498,978 |
2020-05-12 | 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 | So as soon as I XXXX college, I was put into a loan forgiveness program with XXXX XXXX XXXX XXXX. I had to pay them a fee to get in and {$35.00} a month. Apparently they were filing my income driven repair for fedloans every year. I had no idea they were filing through Fedloans. The last 3 years they filed, my payment plan was {$0.00}, which is why I didnt have any issues till now. The last year they filed, my payment went from XXXX to {$39.00}. Now I have been paying them {$35.00} a month and they did not notify me that I also had to pay Fedloans {$39.00}. I didnt even have access to my Fedloans account till my credit score dropped {$200.00} points and I XXXX Fedloans and had to recover my account. If I knew they were just filing with Fedloans, I would have done it my self and used the money I was paying them to pay my student loans. I called fedloans and they told me that I was never in a forgiveness program and that I was being scammed. An employee helped me get out of the scam and had me report the third party company. I was never trying to get out of paying my student loans. I was just a woman that got taken advantage of right after college. Now, during this pandemic, I have lost my job and forced to move out of my home in XXXX. I have made a payment of {$39.00} to show good faith and that I will continue making any payments necessary to get this corrected. I will attach all the payments I have been making that third party company. | null | AES/PHEAA | OK | 74105 | null | Consent provided | Web | 2020-05-12 | Closed with explanation | Yes | null | 3,648,440 |
2020-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Transunion reports a charged off credit card with XXXX XXXX XXXX. This account does not belong to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34287 | Older American | Consent provided | Web | 2020-04-08 | Closed with explanation | Yes | null | 3,598,209 |
2019-09-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount.
The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties.
XXXX XXXX, Experian & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately.
Thank you, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08527 | null | Consent provided | Web | 2019-09-11 | Closed with non-monetary relief | Yes | null | 3,371,086 |
2023-03-08 | 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.
Account name : XXXX XXXX Acct XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.
15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of ( 2 ) information 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33844 | null | Consent provided | Web | 2023-03-08 | Closed with non-monetary relief | Yes | null | 6,658,942 |
2020-05-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 750XX | null | Consent provided | Web | 2020-05-31 | Closed with explanation | Yes | null | 3,676,518 |
2019-11-07 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | Original creditor was XXXX XXXX XXXX in XXXX, but then suddenly it appeared on my credit report as of XX/XX/XXXX by paramaunt recovery sistems. so it impacts my credit score like it was fresh debt from XXXX. Never received any bills on this amount and any notices so I could be able to fix it. And since it was 3 and a half years ago, but the collection company reports it like it was this year wich impacts my credit score | Company believes it acted appropriately as authorized by contract or law | Paramount Recovery Systems, L.P. | LA | 70001 | null | Consent provided | Web | 2019-11-07 | Closed with explanation | Yes | null | 3,431,228 |
2017-11-02 | Mortgage | Conventional home mortgage | Incorrect information on your report | Account status incorrect | I am writing this letter today, to inform you of an egregious error that appears on my credit report. Seterus INC is reporting that I have an active mortgage account with their company that is actively past due. The account number this account is listed under is XXXX.
The Seterus INC ( XXXX ) account was included in a Chapter XXXX bankruptcy that was discharged on XXXX XXXX, XXXX. I am attaching a copy of my bankruptcy discharge letter, as well as section D of the filing documents, which lists the original name this account was under.
The bankruptcy that resolved Seterus INC XXXX XXXX XXXX has already fallen off of my credit report due to time. This begs me to ask : If the bankruptcy that resolved the account has already been deleted, why is this account still reporting? The discharge of this bankruptcy would make the date of last activity in XXXX, which was eleven years ago ; so I am demanding that Seterus INC ( XXXX ) be removed from my credit file immediately.
Worst case scenario, if the Seterus INC ( XXXX ) account does remain on my credit report, I would at least ask that accurate information be reported about this account. It should report at resolved through bankruptcy in XXXX, and should report absolutely no delinquent pay history after XXXX of XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Seterus, Inc. | PA | 173XX | null | Consent provided | Web | 2017-11-02 | Closed with explanation | Yes | null | 2,719,212 |
2023-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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. | NY | 11218 | null | Consent provided | Web | 2023-08-08 | Closed with non-monetary relief | Yes | null | 7,371,556 |
2022-10-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | How do I get Experian to answer 2 very simple questions. In a previous complaint # XXXX, I asked for the 2nd time for Experian to provide me with : " 1. What date did Experian receive an AUD from XXXX for XXXX, XXXX for an account in my name?
2. What date did Experian update my Credit report with the information they received from XXXX in XX/XX/2022.
Thats it, two simple questions which Experian seems afraid to answer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | XXXXX | Servicemember | Consent provided | Web | 2022-10-19 | Closed with explanation | Yes | null | 6,098,144 |
2017-10-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There is an account on my credit report from GC Services with XXXX. For balance it says XXXX and for high balance it says XXXX the information is incorrect. This account was also removed from my credit report and keeps reappearing. It was removed because of the amount being incorrect. | null | ORG GC GP Buyer, LLC | NJ | XXXXX | null | Consent provided | Web | 2017-10-13 | Closed with explanation | Yes | null | 2,701,144 |
2017-11-10 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | My student loans were managed and housed with XXXX and I was placed on an Income Based Repayment Plan after I graduated college with payments of XXXX $ based on my income. This went on for two years. My loans came up for recertification of my IBR plan in XX/XX/XXXXwith XXXX at which time I was given my IBR payment amount of XXXX . I made my first payment to XXXX in the amount of XXXX $ as I was instructed to do. I had been in contact with XXXX XXXX XXXX working through the application for PSLF as I am a XXXX XXXX XXXX employee and had spent the previous 5-6 years employed at qualifying non profit organizations. I spoke with 5 or 6 different XXXX XXXX employees during this period of time asking a million questions as I was constantly getting different answers from the employees. I would be told that I ca n't pay a penny more than my IBR payment amount, I can pay any amount over that I want, all of my loans would qualify, the two loans I have that do n't qualify would n't be a problem I could leave them out of the program and just work towards the PSLF of my other qualifying loans without having to consolidate the loans. That is exactly what I chose to do as it was only two small loans that would n't be in the system. I verified this information several times with XXXX XXXX and was continuously reassured that all of my previous payments would qualify and the consolidation was not necessary to be apart of the program. Never was I instructed that if I did n't consolidate then none of my loans would qualify until I do or I would have taken out a private loan and paid off the two non qualifying loans prior to applying and transferring my loans to XXXX XXXX. Back to XXXX, my payment for XXXX was applied only to one loan instead of to all of them which made the rest of my loans show as past due. I spoke with XXXX about this and they were reissuing the XX/XX/XXXX payment as it was made in error and not my fault. The loans were transferred to XX/XX/XXXXduring this process and this is where things went crazy. I have spent one night every two weeks for no less than an hour on the phone with XXXX XXXX trying to resolve this " past due '' issue since Beginning of XXXX XXXX. I of course got a different employee of XXXX XXXX XXXX every time I called in and was given a different reason as to why this was going on and how to fix it. I was told by a XXXX XXXXXXXX employee that I had to pay an extra XXXX $ to make up some difference in payment that would fix the past due issue, allow XXXX XXXX to reissue all of my payments since I had been with them and make all payments qualify. That 's exactly what I did. Another 4 months of this goes by with me jumping through countless hoops and given numerous deadlines for when it would be fixed. I sent them my bank statements showing all payments made for the exact amount I was instructed to pay, I sent them letters from XXXX saying I had no payment inXX/XX/XXXX, a letter showing I had a payment dueXX/XX/XXXX from XXXX, I sent them the IBR letter from XXXX detailing what my payment would be based on my income. It is now XXXX and the past due issue has finally been resolved, or so I thought. Last night XX/XX/XXXX I received an e-mail from a XXXX at XXXX XXXX XXXX informing me that I have made no qualifying payments at all as I did not consolidate my loans with XXXX XXXX. This is something I had spoken with XXXX XXXX about atleast a 1/2 dozen times. I was also informed that my last 6 payments sinceXX/XX/XXXX would not be qualifying payments either as I am no in " paid ahead '' status. I have made one payment every month since XX/XX/XXXXwith exception of the extra XXXX $ I was instructed to pay by XXXX XXXXXXXX in XXXX I believe to resolve the issue. I have been mislead every step of the way, passed off to worker after worker, I can never speak with a manager as if they do n't exist and I never receive call backs or letters in the mail other than past due notices. I have asked 4 or 5 times for a copy of my case comment log to be mailed to me for my records in proving that this has been an ongoing 6 month issue and I am constantly told they will get that mailed out to me yet it never arrives. I have done everything I was instructed to do by XXXX XXXX to be enrolled in the PSLF program as I am a qualifying government employee and have been for quite some time. I want my qualifying payments to be counted, I do not want the non consolidation to penalize the 29 months of qualifying payments that I have already made to count against me, I do not understand how I can be " paid ahead '' when I am simply doing what I 'm instructed to do by XXXX XXXX employees themselves. This is not how business is handled and I am fed up with wasting my personal time getting the run around from this XXXX XXXX processor. They are swindling millions of dollars and ruining countless lives in this malpractice. They have breached the terms and conditions of the agreement I signed with them, falsely represented themselves and it is not legal to hold me accountable for misrepresentation, false information and there incompetence. I have made every effort to rectify this directly with XXXX XXXX and I am now seeking legal representation in the matter to file suit against XXXX XXXX XXXX and there parent company Pennsylvania Higher Education. Any help in this matter would greatly be appreciated. I can provide phone logs showing the countless hours I have spent on the phone with XXXX XXXX, I can provide my bank statements detailing my exact payments and dates made, the IBR repayment schedule, and any other documentation that may assist you in rectifying this matter. Thank you. | null | AES/PHEAA | MI | 48473 | Servicemember | Consent provided | Web | 2017-11-10 | Closed with explanation | Yes | null | 2,726,166 |
2022-03-26 | Vehicle loan or lease | Loan | Incorrect information on your report | Account information incorrect | I had an auto loan with Ally Financial opened on XX/XX/XXXX. In XXXX of XXXX I encountered financial difficulties and was unable to make payments, and the car was repossessed a few months later. I had a second auto loan in XXXX of XXXX from Ally which I also fell behind on, and it was also repossessed during that time.
In XX/XX/XXXX, court case XXXX ( Ally Financial XXXX XXXX XXXX XXXX , the XXXX Judicial Circuit Court certified a class action for customers whose autos were repossessed prior to that date. I was subsequently notified that I was a member of that class ( details on the court case are found here : http : //www.allynoticeclass.com/. ) As part of the final amended settlement order issued XX/XX/XXXX, Ally Financial was ordered to cease reporting repossessed tradelines to the CRAs and to request deletion of these tradelines.
The settlement order instructs Ally to maintain an email address, XXXX, for customers to contact to notify Ally that their tradeline has not been deleted and to request that Ally send a " XXXX XXXX XXXX '' or similar to the CRAs. On review of my credit report from the XXXX bureaus dated XX/XX/XXXX, one of my Ally accounts was deleted in accordance with the order, but the second was not, despite also being covered by the order. I contacted Ally Financial at the XXXX email address requesting deletion, but have received no contact from them, nor have they sent a deletion request to the credit bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | KS | 66762 | null | Consent provided | Web | 2022-03-26 | Closed with explanation | Yes | null | 5,370,866 |
2021-07-01 | 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 | Myself, my family and now our lawyer is involved in this complaint. Note my family has been a Citibank customer since XXXX. Have we had fraud in the past, yes, but not even close to this level. Everyone, including my lawyer and other card holder that I have submitted this documentation too has cleared or have asked for it all to be cleared, other than Citibank who actually cleared it twice and then re-negged because of additional fraudulent ACH payments. Yes, my family and myself have been direct victims of, first and foremost, Identity theft which also effected my XXXX XXXX student account which is/was attached to our checking account at XXXX. These Fraudsters, as has been documented came after myself in full force " hard '' as one police officer put it. He stated that he has seen it this bad before and with one of his own police officers ( colleagues ) as well due to the type of job he performs ( criminal and forensic investigation ) and once the Fraudsters figured out his occupation he became under serious attack. He too struggled with Citibank in particular because of what he called a dysfunction over all process. This is really sad! The mere fact that investigators in civil service of our communities and now an investigator, myself, from the banking industry who have been trained to investigate bad guys, compile deep levels of evidence, and even find out where some of these " rings '' are operating out of, and then fall to an " unprotected '' role by our own brethren is not only discouraging but is also sad. I don't know about the aforementioned police investigator but I know that myself and others have made a great impact in breaking up fraud and anti-money laundering schemes and rings. What's our reward? A pat on the back and now apparently being accused of crimes myself, my family nor friends did not commit. Heck of an ironic turn of events but Citibank could not be more wrong. The police I have contacted alone agree 100 % and are willing to testify in my defense on all counts. One the of officers even commented " Why should we be working to do any good for anyone if this is how we are to be treated at the end of the day!
Each day, I research along with my attorney as he and I have time only to turn over new issues. I can only report that which I find or that which we believe has happened and you know what? That story can also change with new evidence coming to light. If investigators at Citibank don't understand that then they either have not been in the investigation business very long or they are " trapped '' in a world that " everyone is guilty until proven innocent ''. That's completely backward in our society and I suggest Citibank, in particular look at the regulation that governs credit cards, paying attention to the fact that you offer 100 % Identity Theft and fraud protection to you consumers, and in this case that's what my family and I are ( consumer victims ) that brought these issues to your attention, not the other way around. Citibank, in fact allowed this fraud and Identity theft to continue even after I reported it, began to investigate, and began supplying documentation to protect myself, my family and Citibank. To date, Citibank is the ONLY creditor that has not discussed ( in full ) the complaints I have sent in through the CFPB and the disparate information they have received from their teams. Have I had to recant findings that I believed to be one way or another through additional research? Of Course! That's a proper investigative process because if facts change, they are no longer good facts, the new facts, with supporting evidence are. If Citibank does not understand this they don't appear to understand the twists and turns an investigation can take, and as for myself, I document everything XXXX good, bad or indifferent )! That's what compliance people and investigators do! We don't take sides and we certainly do not " flip-flop '' our decisions based upon proven evidence. If the evidence is adjusted we add and and modify our approach but it's usually against the fraudster because at the end of the day, they caused the MESS!
Now, I am going to pass along a couple other pieces of evidence that Citibank should certainly think about or act upon. First, it has been noted that the " mailbox bank '' in my community was broken into at the beginning of XXXX. If you google map my area of our subdivision you will see we set op in a large square or rectangle of sorts. That square or rectangle surrounds yet another square/rectangle. This is not at all a through street and therefore the people who are here 1. Live here 2. Are visiting, 3. are looking for a new place to live since we are the most attractive place to live, arguably, in all of XXXX ( our community ) which began in the XXXX 's and was completed in the early XXXX 's. It considered one of the most sought after areas in all of XXXX XXXX XXXX and homes, even when times are slow do not last on the market for more than 2 week. At this point they are selling with multiple offers as soon as they are posted on XXXX with multiple offers. Now, many of my neighbors, including the 6 that are on my block have all been hit with the fraud bug, Identity Theft or both. We believe this uptick is due to the break in of our mailboxes and yet the XXXX has yet to fix it. In addition, we have been told by the police that that this has been going on and they know of at least XXXX cases in our high popular a beautiful community? What were these crooks after? Why of course the Stimulus Checks that were sent out and while getting some of them they also received a ton of PII on all people in our area. That's disgusting and yet Citibank keeps send mail through the XXXX just to have it stolen over and over again. We also have to go to the PO and pick up the bulk of our mail, on a schedule ( 2 days a week ) by address which causes us all to wait in line for 1-2 hours twice a week. Is this Citibank 's fault? No! But you are contributing to the increased problem.
Finally, On Tuesday of this week myself, my wife and other neighbors have been receiving calls from a FAKE ( criminal ) person representing themselves as representing ALL card companies. This certainly set off a " Red Flag '' for me and the aforementioned neighbors I discussed. I was so fortunate to intercept two of these calls. On stated he represented XXXX XXXX XXXX and wouldn't you know it, one stated he was representing Citibank and he was " rebuilding my entire credit file ''. The crazy thing is that these calls both came from the same number XXXX XXXX and both times the Fraudster represented himself as XXXX XXXX. Hmmmm! I am no dummy and neither are my neighbors and we came together again stating this had to be fraud. I called all my creditors, as did they, other than Citibank because all of our calls are going absolutely nowhere, and the people who need to know either don't return their calls, though they said they would within 24-48 hours or the messages never actually get to them because of Citibank 's highly disparate and dysfunctional system where notes and documentation are not forwarded on to the " next link of the chain ''. How would that " next link '' know to ask for this information unless they scurried around to find it? Why wouldn't that WEAK chain link instead place all of the documentation and notes in a central repository only able to be viewed by those that have the authority and therefore not have to " scurry '', receiving partial or no documentation at all after all of their hard work? This has now happened dozens of times with me and many times with the friends I am in contact with that are in the same boat, which because it's Citibank, is taking on a lot of water it appears! So anyway, this " agent '' ( fraudster '' ) state that he was in the process of rebuilding my profile with Citibank and " all '' of my card accounts ( very suspicious ). Second he gave his FULL NAME ( XXXX XXXX ) and seemed very aware of what was going on with me and several others in my area. The full name issue also was very suspicious because up to XXXX XXXX in Citibank 's XXXX, I had been told that last names were not permitted and that all employees had no way to call out, nor did they have an outside email address. This led me and others right back to the Identity theft and we wonder if Citibank is sharing our XXXX ( Data Privacy ) with the outside which would be an extreme regulatory and legal violation.
This is what is going to happen on my side in the coming week or so : 1. My Lawyer
will be sending Citibank a letter via overnight that highlights the major issues, points to the regulations and laws and will attest the fact that I have had nothing but a great relationship with Citibank ( starting with Home Depot ) since XXXX!
The way to remediate this will be as follows
: 1. Citibank is to contact me with a date and time that can be placed on my calendar and my lawyer will be allowed to be present to listen in as I will authorize this. We will then open up a two way discussion and Citibank will discontinue treating me as a criminal. 2. Citibank will be asked to remove all Fraudulent Charges, Fraudulent payments and bounced ACH payments that have not come from any other banks/credit union that I don't have an account with. You may call and verify those facts
with said companies by using my SSN, DOB, Address, etc. In all cases you will find I have not had an account with any, other than XXXX since the XXXX XXXX ( XXXX accounts ) which is likely purged. These payments and " charge backs '' are to be ex-sponged from my credit record on the accounts in question ( XXXX and XXXX XXXX XXXX accounts ) as they have/had nothing to do with me 3. There was a {$7000.00} charge made to my Citibank XXXX account from a " XXXX XXXX XXXX '' merchant and this not only needs to stay removed it has nothing to do with me as well. From my understand, this is a XXXX shop and that's an awful lot of XXXX XXXX to purchase as an individual. Note, I don't XXXX, I don't distribute, nor do I sell any type of XXXX related products. I am deeply concerned that I had to find this and Citibank did not question this " rounded '' dollar charge. Absolute fraud and Citi did a very bad job here!
4. All of my credit card need to be reactivated as soon as all fraud has been removed and my credit limits must be re-established on the following 1. XXXX XXXX XXXX 2. XXXXy 4. Brooks Brothers 5. Home Depot 6. Best Buy 5. All three bureaus are to be contacted immediately and Citibank is to reverse the " Account Closed by Creditor '' statements an place my accounts in excellent standing as they were prior to this mess that began when my laptop was stolen from my XXXXXXXX XXXX Room in XXXX Florida.
You lack of verbal an discussion responses have all been noted and it it now required that this come to a head with restoration of my credit rating and accounts.
What Citibank has done is non-transparent, reprehensible, and immoral It's time to fix this for myself and my family immediately or additional actions will be taken. All other creditors have contacted me and are cleaning this up since, it's convoluted, complex and quite scary for my family to be going through. Again, if I am spoken to as a criminal, I will ensure that is recorded, as it has in the past, and presented to higher state or federal authorities for review that we will subpena Citibank to be present for. In this case, Citibank is in the wrong and unfortunately we, the consumers, are made to suffer due to your inappropriate reactionary ways. You are to be there to protect you consumer, and bottom line, you have not been. Citibank should be embarrassed and I would even say this is press worthy so that all can see what the bank has/has n't done and what myself, my family and my attorney have gone through to get the appropriate communication this has deserved!
Thank you, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 77095 | null | Consent provided | Web | 2021-07-01 | Closed with explanation | Yes | null | 4,508,572 |
2023-05-23 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible. | null | EQUIFAX, INC. | IL | 60644 | null | Consent provided | Web | 2023-05-23 | Closed with non-monetary relief | Yes | null | 7,018,755 |
2017-01-10 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Don't agree with fees charged | Have a loan that is from an institute from a different state ; it was online services. The only loan I should and do have is a institution in New York only. I would like to dispute this and get it off my loan | Company disputes the facts presented in the complaint | Dream Center Education Holdings | NY | 121XX | null | Consent provided | Web | 2017-01-10 | Closed with explanation | Yes | No | 2,281,281 |
2016-02-09 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | received a statement from XXXX XXXX , XXXX stating that I owed PayPal Inc. {$150.00} when I 've never had a PayPal account. I called PayPal to verify that I did not had an account. | null | Paypal Holdings, Inc | CA | 93940 | Servicemember | Consent provided | Web | 2016-02-09 | Closed with non-monetary relief | Yes | No | 1,777,672 |
2023-01-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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. | null | EQUIFAX, INC. | MD | 21044 | null | Consent provided | Web | 2023-01-31 | Closed with explanation | Yes | null | 6,504,121 |
2020-08-26 | Checking or savings account | Checking account | Managing an account | Banking errors | Please see attached Letter Dated XX/XX/2020 Regarding CFPB Complaint Nom XXXX To Attorney XXXX XXXX Senior Vice President & Counsel First Horizon Bank Email sent to XXXX XXXX | null | FIRST HORIZON BANK | GA | 30319 | null | Consent provided | Web | 2020-08-26 | Closed with explanation | Yes | null | 3,815,467 |
2022-05-04 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I requested a copy of my credit report and I found a collection account being reported by this company. I have never received any communication from said company about any debts so I proceeded and mailed a debt validation request to the address they had provided to the credit bureau. They refused to respond to the letter which is a clear violation of the Fair Credit Reporting Act and the Florida law regarding debt collection practices. I request they remove the account from my credit report no latter than XX/XX/2022 per the guidelines of law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | FL | 32828 | null | Consent provided | Web | 2022-05-04 | Closed with explanation | Yes | null | 5,536,646 |
2021-02-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts. | null | EQUIFAX, INC. | FL | 34668 | null | Consent provided | Web | 2021-02-27 | Closed with explanation | Yes | null | 4,171,067 |
2017-10-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I have been trying to submit disputes for some inquires on my credit report for the past few months and Equifax does nothing to investigate the inquires in question. I have been unable to get help from the company who made the inquires and now Equifax wont do their part by investigating the inquires. I have attached a copy of the inquires in question. | null | EQUIFAX, INC. | TX | 78251 | null | Consent provided | Web | 2017-10-02 | Closed with explanation | Yes | null | 2,690,711 |
2020-10-05 | 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've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance.
Its was cellphone account. Its showing a installment.
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IA | XXXXX | null | Consent provided | Web | 2020-10-05 | Closed with explanation | Yes | null | 3,880,642 |
2021-05-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I want to request a credit report due to I have information on my credit report that is fraud.
I have not received a free credit report that I requested from the credit bureau that I have written for with no return as of date and its been over 2 months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89121 | null | Consent provided | Web | 2021-05-22 | Closed with explanation | Yes | null | 4,398,301 |
2019-09-12 | Checking or savings account | Checking account | Managing an account | Fee problem | I had these account for about 7 years, I had XXXX to deposit and went to the me I feel branch to deposit and was enticed to take advantage of the XXXX incentive. program and was told tof upgrade the account to premier plus.
I have been displeased with chase over the last few months thus been funneling money to XXXX XXXX. now they accused a {$25.00} fee ony my checking account I have had the whole time with chase.
I combined to the lady, XXXX XXXX, who did absolutely nothing. at the XXXX branch that oversees to account therefore, she doesn't care, nor do I, so I want to close my entire accounts with chase and will gladly take my money elsewhere.
I also want my {$25.00} back in will stand for inferior service and will not bank with chase again. I want everything removes and do not want my name on any mailing list with chase. | null | JPMORGAN CHASE & CO. | CA | XXXXX | null | Consent provided | Web | 2019-09-12 | Closed with explanation | Yes | null | 3,372,104 |
2020-04-07 | 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 first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my credit report. | null | EQUIFAX, INC. | AR | 72113 | null | Consent provided | Web | 2020-04-07 | Closed with explanation | Yes | null | 3,596,026 |
2015-08-22 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls. | Company chooses not to provide a public response | SQUARETWO FINANCIAL CORPORATION | NC | 28804 | Older American | Consent provided | Web | 2015-08-24 | Closed with explanation | Yes | No | 1,531,653 |
2020-02-20 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | TD Bank would not give me my money back from fraudulent transactions. XX/XX/2019 I used my card at the bank atm about XXXX XXXX. I dropped the card right outside of the bank as well as my phone. I had to wait for the bank to open to report this and turn off my card. By then over {$200.00} was gone. two {$40.00} meals at XXXX and over {$100.00} at XXXX XXXX.
I disputed this the bank refused to give me my money back because they said no one attempted to use the card after they issued me a new one. I was honest and I really would like my money back. | null | TD BANK US HOLDING COMPANY | NY | 10457 | null | Consent provided | Web | 2020-02-20 | Closed with monetary relief | Yes | null | 3,538,348 |
2019-10-01 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | My medical insurance reversed a bunch of payments saying that I had other health insurance which wasn't the case. I notified XXXX, the original creditor what had happened and they were supposed to resubmit the claim to tricare for processing. They never did, even though I called XXXX XXXX billing department on 12 different occasions. Recently XXXX turned over the debt to Medicredit for collection. Rather than contacting me about the debt to be disputed they went and placed it on my credit report.
I contacted medicredit to dispute the claim and they sent me back a letter saying that I was wrong and the debt was write which is a failure to validate the debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | The Outsource Group, Inc | HI | 96817 | Servicemember | Consent provided | Web | 2019-10-01 | Closed with explanation | Yes | null | 3,392,171 |
2021-03-26 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | We have a fixed rate auto loan with XXXX XXXX. We pay extra on the loan most months and noticed that the amount due on the bill fluctuates each month which should not be possible given that the loan terms are fixed. ( Background : My career and XXXX XXXX are both in finance ).
I called XXXX XXXX today and spoke to employee ID # XXXX. I described the problem and was forced to listen to a recording about how additional funds were not applied to principle unless one were to jump through a bunch of hoops after each payment to get the additional funds applied to principle. What they do instead is apply the additional payment to future payments.
By doing this they are overcharging me in interest as the additional payments are not impacting the outstanding principal balance they are intended for. The outstanding principal balance is the input in the calculation made each month when payment is made to derive how much of the payment goes to interest with the remainder going to principle ( as per any standard amortization schedule ).
This practice is dishonest if not illegal. Why would anyone decide to give the lender money in advance if it has no impact on the total interest paid over the life of the loan? Literally they are taking this money as if I were now lending them cash interest free or if I am being paid interested on my advanced payments, they are creating a potential tax liability for me that isnt getting accounted for when I pay income tax.
I asked the kid on the other line to tell me where on the loan documents I could find this unconventional and possibly illegal practice defined. He could only point me to the bill and didn't seem to realize that the bill was not an addendum to the contract or even on the same legal level. Finally, he asked " How can I help you? '' as if it wasn't clear what I was requesting to happen. The call was ended unresolved.
Later after reading the loan documents I found where credits were applied in reverse order and it suggests that interest is also paid ( see attached documentation ). | null | TOYOTA MOTOR CREDIT CORPORATION | TX | XXXXX | null | Consent provided | Web | 2021-03-26 | Closed with explanation | Yes | null | 4,248,752 |
2023-05-19 | 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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! | null | EQUIFAX, INC. | FL | 34112 | null | Consent provided | Web | 2023-05-19 | Closed with non-monetary relief | Yes | null | 7,002,783 |
2015-04-06 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do? | Company believes complaint caused principally by actions of third party outside the control or direction of the company | R.M. Galicia, Inc. | OR | 97233 | null | Consent provided | Web | 2015-04-06 | Closed with explanation | Yes | No | 1,317,003 |
2021-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed | null | EQUIFAX, INC. | NJ | 07108 | null | Consent provided | Web | 2021-07-07 | Closed with explanation | Yes | null | 4,522,820 |
2023-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file.
XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77532 | null | Consent provided | Web | 2023-05-15 | Closed with non-monetary relief | Yes | null | 6,982,213 |
2021-02-21 | Credit card or prepaid card | Government benefit card | Problem with a purchase or transfer | Charged for a purchase or transfer you did not make with the card | I noticed a charge of XXXX on my account. Dated XX/XX/2021 .I phoned the bank on the day I noticed it and it had posted the day before,XX/XX/XXXX. The bank issued me a new card.although my card wasn't stolen the money was transferred from my account.i received a new card but my XXXX isn't on there.i phoned the bank again and spoke with the fraud dept.and they gave me the run around plus I couldn't understand him because of his language problems.i still have not gotten my money back from the bank. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 94513 | null | Consent provided | Web | 2021-02-21 | Closed with monetary relief | Yes | null | 4,155,450 |
2023-09-05 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$4000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | GA | 30092 | null | Consent provided | Web | 2023-09-05 | Closed with non-monetary relief | Yes | null | 7,497,665 |
2020-04-03 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | I recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX Acct XXXX Bal {$400.00}, ICS # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX XXXX {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | AR | 72076 | null | Consent provided | Web | 2020-04-03 | Closed with explanation | Yes | null | 3,591,714 |
2017-11-29 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | I have attempted to dispute the debt of {$440.00} as it appears on my credit report ( s ) by sending a debt validation letter via certified mail in XXXX XXXX. The collection agency, TransWorld, Inc., responded by sending an itemized statement of services. I am bothered by this as this does not prove the debt belongs to me. My signature was not present on the document and this statement did not prove validation or ownership of the alleged account. It is also a violation of HIPAA laws as the aforementioned document disclosed PHI without a signed consent to release information. This is an illegal and reprehensible way to conduct business. If this dispute is not resoled, I may be forced to take legal action against TransWorld, Inc. | null | TRANSWORLD SYSTEMS INC | MI | 48239 | null | Consent provided | Web | 2017-11-29 | Closed with explanation | Yes | null | 2,741,731 |
2022-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23236 | null | Consent provided | Web | 2022-05-06 | Closed with non-monetary relief | Yes | null | 5,550,646 |
2023-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. This is affecting my well-being.It is damaging my reputation and causing great grief to my mental health. This account is being reported on my Transunion consumer report without my consent and its inaccurate and misleading. I've never had a contract or rental agreement to purchase any product with this company. I never purchased or received any goods or services from this company.
They are reporting false information on my consumer report. This is a violation according to under fcra sec 15 U.S.C1681s-2. Also under Section 605B it clearly states, if a consumer submits an identity theft report to a consumer reporting agency and requests a block on the reporting of information that resulted from the identity theft, the agency must comply with the request within XXXX business days. I was never contacted or never received any notification of this debt or information being reported on my consumer report. These consumer reporting agencies have a responsibility to make sure that the information that they are furnishing is 100 % TRUE AND ACCURATE. I believe they have failed to do so and this is also violates my rights according to 15 USC 1681i ( a ).
The account is only on my transunion report because the other consumer reporting agencies already removed this account because they found it to be inaccurate and invalid. I dont know what made Transunion follow different procedure.
The account is XXXX Acct # XXXX They state that my high balance is {$5100.00} and they are reporting that i owe {$2800.00}. I challenge all information for this account and i would like to see all original documents including all payment history and all original signed contracts that shows that i agreed to rent a product for {$5100.00} and leaving a balance of {$2800.00}. Thank you for your help. I appreciate it very much!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 067XX | null | Consent provided | Web | 2023-03-07 | Closed with non-monetary relief | Yes | null | 6,663,342 |
2022-03-09 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with customer service | I am XXXX XXXX, Capital One Bank customer from XXXX. I havenever seen such terrible service from this bank like thesedays.
The whole story : On XX/XX/XXXX my account was locked because of suspiciousactivities. I was trying to make {$500.00} transaction with XXXX XXXX. I spent 1.5 hours confirming my identity, uploading my driver 's license. The account was unlocked finally, but when I tried to use it again it was locked againand Customer service advised me to replace a card.I received a newcard in 3days, and I was able to make one transaction for {$500.00} on XX/XX/XXXX. Then the second transaction for {$200.00} to the same XXXX XXXX XX/XX/XXXX failed, and the accountwas locked again.Today I spent XXXX hours on a phonewith Customer service, and as a result, I was requested to submit 3 more documents to verify my identity. And this time, verification will take up to 10 businessdays. Moreover, I could not submit thosedocuments because the upload link provided by email is not working consistently. I called Customer service again and got an answer that they could not help me with thisissue.On my question, if I have a locked account again would I need to submit another set of documents, I got theanswer that it is unpredictable.As of now, I spent4 hours already trying to resolve the simple issue and I am thinking if I need such service inthe future. Just imagine if I was abroad, and I have to pay for something urgently!!! I understand their concern about fraud activities, but I think it is unreasonableto make customers suffer from the unprofessional way of doingbusiness.As an example, the same kind of verification in XXXX took me 10 min last year. And today I used my XXXX card to make the same transaction with no issues.I am working in the banking industry for almost 20 years and I have never seen such negligence in treating customers. I think they owe me an apology for treating me as a thief. I can not teach them how to do business, but the way they are doing it is unacceptable. People do not have to spend 1 month to make verification in order to use their card account. Now it can be done within minutes, if required. I can tell you this as a professional in this area. | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 11214 | null | Consent provided | Web | 2022-03-09 | Closed with non-monetary relief | Yes | null | 5,303,436 |
2022-03-01 | Vehicle loan or lease | Loan | Getting a loan or lease | Fraudulent loan | On XX/XX/XXXX I purchased a vehicle from XXXX which then assigned the promissory. note to Bridgecrest to allegedly manage/finance. I've made several complaints in regards to Bridgecrest/ CEO XXXX XXXX not upholding her fiduciary duty and complying with federal laws to provide remedy to I consumer XXXX XXXX . I rescinded the transaction in accordance to 15 USC 1635/ 12 CFR 1026.24 and I have yet to receive my refund of all monies paid to date on account within 20 days allowed by law. Instead I continue to get a deceptive, false, misleading, and fraudulent response via mail and CFPB that I continue to owe a debt that pursuant to federal law 31 U.S. Code 3123 ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. 18 U.S. Code 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Steinber v. Mid-Penn Consumer Discount Co., 220 B.R 155 ( Pa. 1990 ). XXXX violated TILA by not including a finance charge for the consumers ' purchase of such insurance was a condition I'mposed by the company. The cost of the insurance was added to the amount financed and not to the financed charge. Bridgecrest never even offered or allowed me to add insurance to the finance charge. The entire contract was fraud and they continue to lie and send false and misleading messages via the CFPB site. in Case law Schultz v. Central Mortgage Co., 58 B.R. 945 ( Pa. 1986 ) The court determined that the creditor failed to meet any of the conditions for excluding such costs and was liable for twice the finance charge. Bridgecrest is liable to me the consumer twice the finance charge. The retail installment agreement showed that I gave security interest that secured all obligations and for Bridgecrest to turn around and create a loan under the Truth and Lending act and FDCPA constitutes it as fraud. The Uniform Commercial Code informs of the security interest. 9-206. SECURITY INTEREST ARISING IN PURCHASE OR DELIVERY OF FINANCIAL ASSET.
( a ) [ Security interest when person buys through securities intermediary. ] A security interest in favor of a securities intermediary attaches to a person 's security entitlement if : ( 1 ) the person buys a financial asset through the securities intermediary in a transaction in which the person is obligated to pay the purchase price to the securities intermediary at the time of the purchase; and ( 2 ) the securities intermediary credits the financial asset to the buyer 's securities account before the buyer pays the securities intermediary.
( b ) [ Security interest secures obligation to pay for financial asset. ] The security interest described in subsection ( a ) secures the person 's obligation to pay for the financial asset.
( c ) [ Security interest in payment against delivery transaction. ] A security interest in favor of a person that delivers a certificated security or other financial asset represented by a writing attaches to the security or other financial asset if : ( 1 ) the security or other financial asset : ( A ) in the ordinary course of business is transferred by delivery with any necessary indorsement or assignment ; and ( B ) is delivered under an agreement between persons in the business of dealing with such securities or financial assets ; and ( 2 ) the agreement calls for delivery against payment.
( d ) [ Security interest secures obligation to pay for delivery. ] The security interest described in subsection ( c ) secures the obligation to make payment for the delivery.The contract was never between I the consumer but between the creditor and seller pursuant to 2-104. Definitions : " Merchant '' ; " Between Merchants '' ; " Financing Agency ''.
Primary tabs ( 1 ) " Merchant '' means a person who deals in goods of the kind or otherwise by his occupation holds himself out as having knowledge or skill peculiar to the practices or goods involved in the transaction or to whom such knowledge or skill may be attributed by his employment of an agent or broker or other intermediary who by his occupation holds himself out as having such knowledge or skill.
( 2 ) " Financing agency '' means a bank, finance company or other person who in the ordinary course of business makes advances against goods or documents of title or who by arrangement with either the seller or the buyer intervenes in ordinary course to make or collect payment due or claimed under the contract for sale, as by purchasing or paying the seller 's draft or making advances against it or by merely taking it for collection whether or not documents of title accompany the draft. " Financing agency '' includes also a bank or other person who similarly intervenes between persons who are in the position of seller and buyer in respect to the goods ( Section 2-707 ).
( 3 ) " Between Merchants '' means in any transaction with respect to which both parties are chargeable with the knowledge or skill of merchants. According to 15 USC 1681b my social security number is defined as a " credit card '' however the social security number belongs to the US government, it was assigned to me but doesn't belong to me. Which is the reason why pursuant to 18 USC 8 all debts are the obligation of the United States. Any entity requesting my social security number to apply for a loan on any application, knowing there's no money to lend is a felony and pursuant to 42 U.S.Code 408. I am requesting the director of CFPB to step in and Rhoit Chopra and assist with charging CEO XXXX XXXX with non compliance of Federal Law and fraud and all agents that did research fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Bridgecrest Acceptance Corporation | CA | 95205 | null | Consent provided | Web | 2022-03-01 | Closed with explanation | Yes | null | 5,276,073 |
2022-03-17 | 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 | Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you. | null | EQUIFAX, INC. | FL | 32244 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,335,581 |
2021-02-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Consumer Adjustment Company a request to block a fraudulent account that is being reported on my credit report. The request was sent via certified mail recorded delivery. | null | Consumer Adjustment Company Incorporated | GA | XXXXX | Servicemember | Consent provided | Web | 2021-02-26 | Closed with explanation | Yes | null | 4,170,201 |
2023-05-13 | 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 | It will not let me use the card at all. It always says " there is a problem with your bank. '' | null | AMERICAN EXPRESS COMPANY | MA | 01851 | null | Consent provided | Web | 2023-05-13 | Closed with explanation | Yes | null | 6,973,776 |
2019-03-06 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | I received this companies " proof of Debt '' they are right it is NOT a XXXX - it is XXXX.. STILL NOT MY DEBT! I stated that this is not mine. This debtor needs to contact XXXX XXXX XXXX. The dates are included with a legal case. All original creditors have been contact. further collection is a violation - if you continue, I would be happy to hold you responsible for damages I would be entitled from you to under the law.
Or you could contact this law firm ask for XXXX ... a paralegal that I know would be happy to set you straight By the way I also mail you the information! | Company disputes the facts presented in the complaint | Alpine Credit, Inc | CO | XXXXX | null | Consent provided | Web | 2019-03-06 | Closed with explanation | Yes | null | 3,170,950 |
2023-06-20 | 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 | Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
I have inquiries from XXXX XXXX that need verification or deletion. | null | EQUIFAX, INC. | NV | 89156 | null | Consent provided | Web | 2023-06-20 | Closed with explanation | Yes | null | 7,143,644 |
2023-02-05 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Bank of America can not handle a fraudulent XXXX case that caused me to steal unauthorized {$3300.00} from my checking account without my knowledge, authorization, or the unknown destination of the people who stole this. They have disapproved of my case, claiming it's unresolved after being researched.
XXXX XXXX XXXX CLAIM NUMBER : XXXX ACCIDENT DATE : XX/XX/2023 BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX, TX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 77077 | null | Consent provided | Web | 2023-03-03 | Closed with monetary relief | Yes | null | 6,522,633 |
2022-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state. | null | EQUIFAX, INC. | PA | 19119 | null | Consent provided | Web | 2022-08-08 | Closed with explanation | Yes | null | 5,853,752 |
2019-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On my XXXX, XXXX, and XXXX credit files, an old account from Capital Bank, NA is reporting incorrectly. I have disputed the account multiple times both with all 3 agencies and Capital Bank, NA. The 3 bureaus all claim that Capital Bank verified the accuracy of the information, yet Capital Bank has not been able to send any documentation to me, and their customer service representatives that I spoke with stated that the account had been purged from the system and they could not access any records, as well as not updating my current address on file despite multiple disputes. The most recent call to Capital Bank was XX/XX/2019. As they are unable to verify the accuracy of the information, yet informed the credit bureaus that they investigated the dispute, as well as being unable to provide documentation to the consumer, they are in violation of the FCRA, section 623. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 763XX | null | Consent provided | Web | 2019-03-21 | Closed with explanation | Yes | null | 3,186,970 |
2023-04-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request.
XXXX XXXX XXXX : {$870.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89044 | null | Consent provided | Web | 2023-04-23 | Closed with non-monetary relief | Yes | null | 6,878,630 |
2020-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am disputing identity theft for more than a year now .I sent hundreds letters and this incorrect information is still on my report.
I dont understand how is that possible!!!!!!!!!!!!!!
Please see attached documents. One of this document is affidavit from my step son that he used my information without my authorization.
and its still on all three Credit Bureaus Reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10305 | null | Consent provided | Web | 2020-06-26 | Closed with explanation | Yes | null | 3,718,321 |
2019-02-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | For the following accounts, Someone went into my trash. and opened an account using my information. I never did this, please remove ; XXXX XXXX for {$270.00} XXXX XXXX for {$180.00} These do not belong to me, have the bureaus take them off please. | null | EQUIFAX, INC. | MD | 208XX | null | Consent provided | Web | 2019-02-26 | Closed with explanation | No | null | 3,163,555 |
2020-12-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft.
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) | null | EQUIFAX, INC. | CA | 90303 | null | Consent provided | Web | 2020-12-10 | Closed with explanation | Yes | null | 4,002,516 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm 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. | LA | 70094 | null | Consent provided | Web | 2023-06-08 | Closed with non-monetary relief | Yes | null | 7,087,029 |
2019-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please see the 5 BK 'S on my credit report that have been removed and replaced back on my credit report. Dates removed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX BANKRUPTCY | null | EQUIFAX, INC. | OH | 44118 | null | Consent provided | Web | 2019-06-26 | Closed with explanation | Yes | null | 3,287,299 |
2020-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AR | 72204 | null | Consent provided | Web | 2020-06-12 | Closed with explanation | Yes | null | 3,695,780 |
2022-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11226 | null | Consent provided | Web | 2022-06-26 | Closed with non-monetary relief | Yes | null | 5,704,115 |
2021-03-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible. | null | EQUIFAX, INC. | SC | 290XX | null | Consent provided | Web | 2021-03-04 | Closed with explanation | Yes | null | 4,183,994 |
2022-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report plan as late for purpose. | null | EQUIFAX, INC. | LA | 71201 | null | Consent provided | Web | 2022-12-09 | Closed with explanation | Yes | null | 6,296,768 |
2023-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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. | FL | 33125 | null | Consent provided | Web | 2023-07-29 | Closed with non-monetary relief | Yes | null | 7,323,426 |
2023-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | I recently disputed two charged off accounts for the finding of FCRA VIOLATIONS BELOW I WILL SUPPLY SUPPORTING DOCUMENTS THAT A INVESTIGATION WAS NOT PROPERLY HANDLE BY BOTH EXPERIAN AND XXXX I AM REQUESTING THAT THE FTC AND CPBF FULL LOOK INTO THE COMPLAINTS THAT ARE BEING FILED IN THE PAST EXPERIAN AND XXXX HAS A KNOWN HISTORY OF NOT COMPLETING A FULL INVESTIGATION OF THE ILLEGAL REPORTING AND THE DISPUTES REPORTED.
I want to added I sent the same dispute to XXXX verified the inaccuracies and incomplete and inconsistencies for the account prompted for the account to be removed from my credit report This is my statement and DISPUTE LETTER FOR YOUR RESPONSE TO your Letter DEAR EXPERIAN AND XXXX AFTER FULLY READING YOUR RESULTS I FEEL YOU AGAIN HAVE NOT PROPERLY INVESTIGATED THE INACCURACIES ON MY CREDIT REPORT THE ACCOUNTS THAT ARE IN QUESTION ARE AS FOLLOWS XXXX XXXX XXXX opened XX/XX/XXXX Account number XXXXPast due balance on a CHARGE OFF account is XXXX Which is also INACCURATE REPORTING Last updated of activity was on XX/XX/XXXX on a charge off account which is also INACCURATE REPORTING PAYMENT HISTORY As of XX/XX/XXXX Experian is being reported PAYMENT History As of XX/XX/XXXX XXXX DOES NOT REPORT ANYTHING THIS IS INACCURATE INCOMPLETE AND INCONSISTENT REPORTING PLEASE NOTE XXXX DELETED ACCOUNT XXXX XXXX XXXX opened XX/XX/XXXX Account number XXXXPast due balance on a CHARGE OFF account is XXXX Which is also INACCURATE REPORTING Last updated of activity was on XX/XX/XXXX on a charge off account which is also INACCURATE REPORTING PAYMENT HISTORY As of XX/XX/XXXX Experian is being reported PAYMENT History As of XX/XX/XXXX XXXX DOES NOT REPORT XXXX THIS IS INACCURATE INCOMPLETE AND INCONSISTENT REPORTING PLEASE NOTE XXXX DELETED ACCOUNT If these account have been properly verified who verified it where are the documents as the error and illegally reported information is still on my report as a consumer I have the RIGHT TO A COMPLETE CONSISTENT AND ACCURATE CREDIT REPORT AND YOU HAVE FAILED FO COMPLY TO THIS OBLIGATION.
MY DISPUTE LETTER IS AS FOLLOW YOUR COMPLAINT I recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXX both accounts opened XX/XX/XXXX and XX/XX/XXXX. Charged off accounts should Never be associated with any late payments on top of it a charge off account. While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Theses charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT Experian XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX XXXX XXXX ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA Experian & XXXX TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA , and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX AND FTC IN REGARDS TO THE CONSTANT NEGLECT OF MY DISPUTES | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 70065 | null | Consent provided | Web | 2023-06-23 | Closed with explanation | Yes | null | 7,156,942 |
2017-11-28 | Vehicle loan or lease | Loan | Struggling to pay your loan | Denied request to lower payments | I was recently reviewing my loan contract because I do not understand how my unpaid principal balance is so high based on the amount I borrowed 4 years ago.
I pulled all of my loan contracts for review and noticed a substantial discrepancy. The day that I took delivery of the new vehicle from the dealer, gap insurance I wanted was omitted, and you will notice that loan contract used an interest rate of 11 %. About 4 weeks later, I returned and was asked to sign a new contract that included the gap insurance, and the new loan contract appears to have an interest rate of more than 21 %. I do not understand this and believe I have been the subject of a bait and switch scam and also believe I have been treated unfairly and deceptively.
Additionally, I asked someone who knows a lot more about these matters more than my husband and me, and he ran an amortization schedule for the loan. He seemed to think that the unpaid principal balance could be more than {$4000.00} too high.
We firmly believe the car is so far under water, partly due to the potential incorrectness of the amortization schedule.
My family is poor and we have lost my husbands income due to an awful workplace accident that has rendered it difficult for him to work. We barely get our bills paid, and I would like to know why the interest rate for this loan appears to be 10 points higher about 4 weeks after closing than it was earlier at loan closing and car drive away.
Please help us. I can not afford an attorney.
Thank you in advance. | null | Santander Consumer USA Holdings Inc. | NJ | 072XX | null | Consent provided | Web | 2017-11-28 | Closed with explanation | Yes | null | 2,738,514 |
2019-10-01 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | MEDICREDIT, INC # XXXXXXXThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.
Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following account MEDICREDIT, INC # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | The Outsource Group, Inc | OH | 43229 | null | Consent provided | Web | 2019-10-01 | Closed with explanation | Yes | null | 3,392,349 |
2023-01-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | EQUIFAX HAS DELETED MY CONSUMER ACCOUNT AFTER NOTICE OF THE VIOLATIONS TO MY CONSUMER FRAUD INFORMATION BY EQUIFAX. EQUIFAX IS CONTINUING TO DISABLE MY ACCOUNT IN RETALIATION TO SUBMISSION OF COMPLAINTS AND NO ENFORCEMENT OR ACCOUNTABILITY IS BEING ENFORCED BY CFPB. | null | EQUIFAX, INC. | LA | 70458 | null | Consent provided | Web | 2023-01-08 | Closed with explanation | Yes | null | 6,412,916 |
2022-11-30 | 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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | null | EQUIFAX, INC. | FL | 33040 | null | Consent provided | Web | 2022-11-30 | Closed with explanation | Yes | null | 6,255,114 |
2023-07-26 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | I have purchase protection benefit with Amex card : I have purchased the item that has been stolen, Amex requested police report.
Police report clearly stated a THEFT.
Amex representative had stated it was " mysterious disappearance because police investigator did not examine the purse.
Police investigator never even ask me to bring the purse into police station or to come in to police station.
I ask to honor benefit offered under Terms and Conditions. | null | AMERICAN EXPRESS COMPANY | WI | XXXXX | null | Consent provided | Web | 2023-07-26 | Closed with explanation | Yes | null | 7,299,264 |
2022-02-02 | 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 came to file a FTC complaint of inquiries that I do not recognize and it redirected me here to file a complaint. I am submitting a complaint of inquires from unknown sources. I can not identify these inquires made nor did I authorize them so I believe I am a victim of identity theft. I would like these inquires removed from my credit report with investigation on who made them.
XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Experian - XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48221 | null | Consent provided | Web | 2022-02-02 | Closed with non-monetary relief | Yes | null | 5,173,689 |
2023-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please look at the attached documents as the personal information you are reporting is NOT MINE. | null | Experian Information Solutions Inc. | FL | 34771 | null | Consent provided | Web | 2023-04-13 | Closed with non-monetary relief | Yes | null | 6,833,714 |
2019-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 291XX | Servicemember | Consent provided | Web | 2019-11-11 | Closed with explanation | Yes | null | 3,435,197 |
2023-03-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. | null | Experian Information Solutions Inc. | MI | 48111 | null | Consent provided | Web | 2023-03-13 | Closed with explanation | Yes | null | 6,685,965 |
2019-02-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | im am writing in regards to Experian reporting inaccurate information on my credit report. i have no acknowledge of the tally tech account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA failure to do so will result in a small claims court law suit reporting to the state attorney general better business bureau and the bar association | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11375 | null | Consent provided | Web | 2019-02-27 | Closed with non-monetary relief | Yes | null | 3,164,580 |
2018-12-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Please know that I was not late on XXXX XXXX XXXX I wonder why Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90034 | null | Consent provided | Web | 2018-12-20 | Closed with explanation | Yes | null | 3,105,758 |
2018-06-14 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | The amount claim owed by XXXX XXXX XXXX was incorrect. I talked with them on multiple occasions and they did not respond with evidence supporting the bill. Eventually they turned the dispute over to a collections agency " XXXX XXXX XXXX '' which sent me a letter.
I immediately contacted them and emailed them filing a dispute with them and followed up a couple of times. I was told verbally and via email they were waiting for a response from XXXX XXXX XXXX and that " apparently XXXX XXXX XXXX sees this inconsistency as well ''. Eventually they drop the issue after XXXX XXXX XXXX was unable to substantiate there claim. Then I received a call & letter from another collection company " Diversified Consultants Inc ''. I contacted them and explained the issue, emailed them a dispute, and sent the dispute letter, and supporting documentation within 30 days of notification. No response was recieved from them written or other. They did no investigation, and proceeded to immediately filed a collection with credit reporting agency 's. " Diversified Consultants Inc '' did not follow the law and provide or protect my rights under FTC rules and laws. | null | Diversified Consultants, Inc. | MI | 483XX | null | Consent provided | Web | 2018-06-14 | Closed with non-monetary relief | Yes | null | 2,935,959 |
2023-01-15 | 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 still see XXXX XXXX on my report after I said I had no knowledge of this and I didnt do it. My score a month ago was XXXX now its XXXX and I didnt see any new items causing it Ive requested proof of what made me loose a XXXX points and I still have not received anything this is a big deal also I had my credit frozen so for it saying a new card account opened four months ago how so its frozen and I received no notification alerting me and I still dont see the new account that supposedly was recently opened | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95901 | Older American, Servicemember | Consent provided | Web | 2023-01-15 | Closed with explanation | Yes | null | 6,437,357 |
2023-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My personal info was stolen and used without my consent. This issue has caused me to become depressed and homeless. I refuse to pay any debts that I did not take. This is my formal complaint to get these items removed off of my credit report.
XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8500.00} XXXXXX/XX/XXXX XXXX | null | EQUIFAX, INC. | FL | 331XX | null | Consent provided | Web | 2023-05-01 | Closed with explanation | Yes | null | 6,915,612 |