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2018-02-05 | Checking or savings account | Checking account | Managing an account | Fee problem | I opened a new business account with a local Suntrust branch back on XX/XX/2017. I already have a personal checking account with Suntrust for several years now. When I initially opened the account I made a {$100.00} deposit and was instructed on what the fees were for monthly charges, bank wires etc. I only had 2 transactions through this account period I made 2 wires through the bank to acquire a investment property for the business. I was told the wires would cost {$35.00} each. No other fees would be required as I was told there was a current promotion for new accounts where monthly fees were waived for the first year. I thought that's great! So I was initially happy and satisfied with the new account and service. Now fast forward one month and I get a overdraft notice from my bank. I am overdrawn by {$160.00}. I logged into my account to see that I was charged an account Analysis fee of {$180.00}. I immediately called the bank rep who opened my account and could not initially get in touch with her. I finally got a call back a week later and was told to come into a branch to discuss. I came in and was told I needed to speak with a branch manager but she was not there that day. I got a call a few days later from the branch manager who made an appointment for me to come in and talk in a couple of days. I took off work early to go into the branch and spoke with her and took about 45 mins with her on the phone with customer service to try and get the fees reduced. She advised me that I was signed up for a service that requires higher fees. I explained to her that I did not need any service and that I only signed up for a simple checking account. I told her I had to leave to get my grandson from school and she assured me she would get it all straightened out and call me shortly. Well I never received a call from her. So I went back into a branch the next morning after taking off more time from work and spoke with a bank rep who told me the manager was not in and I would have to make another appointment with her. I am getting frustrated at this point and told the rep to please leave a message for the manager to please call me asap. I was assured that the message would get sent. I also called her cell phone and left a message with her as well. Well fast forward 2 weeks have passed and I am getting nothing but run around and no calls returned, My bank is still overdrawn with fees that I did not authorize. I told one rep I wanted to close the account but am told I can not do that until I pay the overdraft fees and bring the account to a XX/XX/XXXX balance. I have only had this account opened for 3 months and only did 2 transactions through it and I'm being charged outrageous fees and. I feel like they are extorting fees from me as I can not even close the account to prevent more fees from accruing. I want the fees refunded and my account closed asap I will take my business elsewhere. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNTRUST BANKS, INC. | FL | 344XX | null | Consent provided | Web | 2018-02-05 | Closed with monetary relief | Yes | null | 2,804,155 |
2020-11-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19124 | null | Consent provided | Web | 2020-11-19 | Closed with explanation | Yes | null | 3,962,798 |
2022-02-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MS | 39042 | null | Consent provided | Web | 2022-02-19 | Closed with explanation | Yes | null | 5,241,439 |
2019-07-18 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was paid | I had given a 60 day notice to vacate my apartment in XX/XX/2013 from XXXX XXXX XXXX in XXXX, AZ. Since we had purchased our first home and closed escrow on XX/XX/2013. On the written 60 day notice we had given the property manager for XXXX XXXX XXXX the dates were blacked out. Then advised they did not receive sufficient time to vacate the property and were going to be charged an amount of over {$5000.00} to move out plus rent for XXXX. We decided to take this to court. On XX/XX/2013 we appeared in court with the property manager. The XXXX ordered XX/XX/13 XXXX for the agreed eviction/surrender move out expenses of the apartment for the amount of {$2000.00}. We moved out of the apartment and paid the amount in full. Received an additional moved out statement for XXXX. Charging and additional termination fee of {$1900.00} and concession repayment of {$1400.00} on top of the agreed amount. Contacted the property manager for XXXX XXXX XXXX, they advised charges were correct. Contacted their attorney, refused to discuss the judgment unless we were in court. The charges could not be explained or justified, even though we complied with the 60 day vacate notice, which was also blacked out. We also never received a vacate pay or quit notice. We had paid our debt in full and do not owe any debt to XXXX XXXX XXXX or Collection USA company. An amount of {$2900.00} was sold to Collection USA company and still trying to collect this not agreed amount. | null | COLLECTIONS USA, INC. | AZ | 85142 | null | Consent provided | Web | 2019-07-18 | Closed with explanation | Yes | null | 3,311,419 |
2022-01-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have disputed XXXX XXXX XXXX XXXX XXXX with Experian several times each time Experian has changed the account status both creditors have been reporting under XXXX XX/XX/XXXX which does not exist I have told Experian several times XXXX XXXX XXXX was never my address and Experian refuses to remove the address and any creditor that is reporting under that address both creditors we're reporting under a bankruptcy a few months ago the bankruptcy was removed and Experian did not remove the creditors reporting under the bankruptcy they changed both account statuses XXXX XXXX XXXX XXXX XXXX have always report under XXXXXX/XX/XXXX and Experian has always refused to remove any address that does not belong to me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53227 | null | Consent provided | Web | 2022-02-04 | Closed with explanation | Yes | null | 5,164,223 |
2021-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called Caine & Wiener, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history. | null | CAINE & WEINER COMPANY, INC. | CA | 90001 | null | Consent provided | Web | 2021-03-29 | Closed with explanation | Yes | null | 4,253,780 |
2023-08-15 | 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 into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 303XX | null | Consent provided | Web | 2023-08-15 | Closed with non-monetary relief | Yes | null | 7,397,075 |
2023-04-02 | 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 | Please remove all of the unauthorized inquiries attached to my consumer profi le. My consumer rights hasbeen violated and my character is being tournished according to 15 us code 1681b. I am requesting itremove within 15 calendar days. | null | EQUIFAX, INC. | IL | 60462 | null | Consent provided | Web | 2023-04-02 | Closed with explanation | Yes | null | 6,768,644 |
2022-06-25 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33029 | null | Consent provided | Web | 2022-06-25 | Closed with non-monetary relief | Yes | null | 5,709,098 |
2022-06-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | They run my credit report to many rime and Im authorized that | Company can't verify or dispute the facts in the complaint | PRIMARY RESIDENTIAL MORTGAGE | MN | 55443 | null | Consent provided | Web | 2022-06-15 | Closed with explanation | Yes | null | 5,675,410 |
2018-03-12 | Credit card or prepaid card | General-purpose credit card or charge card | Incorrect information on your report | Account information incorrect | Greetings, Ive sent several faxes, emails, and postal service mailing to Wells Fargo requesting they correct incorrect information on my credit report. I was told that if I paid off my debt by a personal banker if I paid off my debt they would removal all late payments and show it as noting or as paid on time. This was said in the context that they were sending my statements to the wrong address and wasnt notifying me properly about a debt I owed them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MN | 55418 | null | Consent provided | Web | 2018-03-12 | Closed with explanation | Yes | null | 2,841,184 |
2022-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Improper use of your report | Reporting company used your report improperly | in accordance with the fair credit reporting act XXXX account # xxxxxxxxxxxx XXXX, has violated my rights. | null | CAPITAL ONE FINANCIAL CORPORATION | IL | 60619 | null | Consent provided | Web | 2022-05-26 | Closed with non-monetary relief | Yes | null | 5,601,979 |
2021-03-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to XXXX and Experian about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to XXXX and Experian. However, XXXX and Experian continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60586 | Servicemember | Consent provided | Web | 2021-03-02 | Closed with explanation | Yes | null | 4,177,223 |
2017-07-20 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency. This is showing on my credit report 3 times. | null | Synerprise Consulting Services, Inc. | TX | XXXXX | null | Consent provided | Web | 2017-07-20 | Closed with explanation | Yes | null | 2,580,041 |
2023-07-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have yet to receive anything back.
I do not have any accounts or credits with these companies and are all closed as well.
Here are the accounts that are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute This is a violation of my rights. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76065 | null | Consent provided | Web | 2023-07-30 | Closed with explanation | Yes | null | 7,324,605 |
2022-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Dear team of Consumer Financial Protection, I was shocked to realize that I have unknown items in my credit report mainly inquiries that are not connected to me. I have never done anything connected with these inquiries. Moreover I can not understand how come I got into this situation that my report is damaged by unknown items. Please `I kindly ask you to remove them and make investigation because I feel its a mistake or error in reporting or something else. I hope you will help me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11229 | null | Consent provided | Web | 2022-03-31 | Closed with non-monetary relief | Yes | null | 5,390,353 |
2022-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies XXXX, Transunion and XXXX which was not accurate because the balance was paid and applied to NYS Pell grant. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 146XX | null | Consent provided | Web | 2022-05-26 | Closed with explanation | Yes | null | 5,606,746 |
2017-10-08 | Credit card or prepaid card | General-purpose credit card or charge card | 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 | Capitol One sold my account to XXXX XXXX XXXX, XXXX. I was not aware of my rights at the time when I first contacted Capitol One in regards to this debt. I now know that my rights are being violated under the Fair Credit Reporting Act. The collection agency that brought my account do not have an address for me to submit any information to in fact only their name appears on my credit report preventing me from defending myself. | null | CAPITAL ONE FINANCIAL CORPORATION | IL | 604XX | null | Consent provided | Web | 2017-10-08 | Closed with explanation | Yes | null | 2,696,312 |
2023-01-19 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | I made a purchase in XXXX via XXXX using my Chime XXXX XXXXr card. Unfortunately I never received the product ( it was sent back to the merchant ), but I was still being charged. XXXX couldn't do anything & the vendor was refusing to refund my money, so I did a dispute with Chime. Even after providing proof that the item was sent back to the merchant, they closed the dispute in the merchant 's favor. Due to this, I closed the card. A few days later, the merchant FINALLY credited the money back, but since the account was closed, it was sitting in " limbo ''. I was told by multiple representatives and even a supervisor that once all final charges hit ( which made no sense because I couldn't spend what wasn't available on the card ), the funds will be sent to me. First, they said it would be transferred to the checking account that I have open, but then I was told it couldn't be. I was later told a refund check would be sent.. and I'm still WAITING. I filed a complaint with the XXXX and Chime went in circles & the XXXX dispute specialist suggested I make a complaint with the CFPB as well. | null | Chime Financial Inc | NY | 10027 | null | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | null | 6,459,848 |
2022-09-17 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | XXXX I went to there XXXX XXXX and I do not have an account with this company. They have tried calling 15 times over the last 2 weeks to try to collect debt that on a card that I do not have. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | OH | 431XX | null | Consent provided | Web | 2022-09-17 | Closed with explanation | Yes | null | 5,992,524 |
2022-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance Owed : {$0.00} XXXXXX/XX/XXXX | null | EQUIFAX, INC. | CA | 92691 | null | Consent provided | Web | 2022-12-21 | Closed with explanation | Yes | null | 6,349,717 |
2021-06-11 | 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 account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you. | null | EQUIFAX, INC. | TX | 75229 | null | Consent provided | Web | 2021-06-11 | Closed with explanation | Yes | null | 4,452,087 |
2021-11-04 | Checking or savings account | Checking account | Closing an account | Can't close your account | I have been contacting Comerica Bank for the past 3-4 weeks attempting to close my bank account. Initially on XX/XX/2021 I called to close the account after having paid it to a XXXX balance. I was advised the account could not closed because that payment was still pending. I was advised once it cleared the account would be closed. I informed them Id like the account block from further charges because it had been compromised at which time they informed me they was not possible but they didnt see any upcoming/pending transactions. On XX/XX/2021 I logged back in to find the account still open and negative for approximately {$120.00}. I immediately called and was placed on hold while the previous call and account notes were reviewed. The representative returned and advised she was completing a form to have the account closed and that management had approved the reversal of the funds. She stayed the account would be closed in 24-48 hrs. It is now XX/XX/2021 and the account remains open and has now been assessed Extended Overdraft fees and has a negative balance of {$130.00}. They are now advising that the account cant be closed and Im responsible for the fees. Theyve also indicated they will research the matter more. Im fearful this issue is not going to be resolved, I will be held liable for the fees, and my credit will be impacted. Please assist! | null | Comerica | TX | 75240 | null | Consent provided | Web | 2021-11-04 | Closed with explanation | Yes | null | 4,876,847 |
2021-06-15 | 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 | On XX/XX/XXXX, XXXX issued a credit card to a thief in Florida. I live in NJ, never live in FL. After I called XXXX, I faxed a file and sent 2 mails to dispute it. the documents included NJ driver license, home equity loan bill with NJ property address, and my NJ utility bill to prove that I never live in FL. XXXX did not have any response. I hired a lawyer to send similar document to XXXX & Equifax in XX/XX/XXXX and XX/XX/XXXX. These 2 companies completed investigation without any change. Equifax even did not remove all of FL addresses generated by thief. Even credit unions ' report along shows 3 evidences that XXXX and the 2 report companies did poor job.
1. Credit report shows 2 reports from XXXX for the same fraud account. One report shows every payment is OK. The other one shows 4 late payments. Two reports show opposite results.
2. The account had more than {$3000.00} balance in XX/XX/XXXX. I don't think that the thief would pay the balance. The balance is XXXX since XX/XX/XXXX. XXXX was cheating on this balance.
3. XXXX 's report made credit union companies believe that I paid off the balance, so that the fraud account belongs to me. | null | EQUIFAX, INC. | NJ | 085XX | Older American | Consent provided | Web | 2021-06-15 | Closed with explanation | Yes | null | 4,464,234 |
2018-04-27 | 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 | They tried to open a credit card with my information not authorized.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | PR | 00754 | null | Consent provided | Web | 2018-05-02 | Closed with explanation | Yes | null | 2,889,155 |
2022-08-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information.
I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30331 | null | Consent provided | Web | 2022-08-31 | Closed with non-monetary relief | Yes | null | 5,931,529 |
2023-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | 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 | Experian Information Solutions Inc. | NC | 273XX | null | Consent provided | Web | 2023-07-27 | Closed with explanation | Yes | null | 7,315,652 |
2023-03-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNRISE CREDIT SERVICES, INC | CA | 91202 | null | Consent provided | Web | 2023-03-20 | Closed with explanation | Yes | null | 6,724,927 |
2021-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX / fraudulent account XXXX XXXX XXXX/ fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX fraudulent account XXXXXXXX XXXX/ fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXXfraudulent account 29 fraudulent hard inquiries Credit reporting agencies are not disputing accounts by policy. | null | EQUIFAX, INC. | NC | 278XX | null | Consent provided | Web | 2021-03-10 | Closed with explanation | Yes | null | 4,200,772 |
2023-05-11 | 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 find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60643 | null | Consent provided | Web | 2023-05-11 | Closed with non-monetary relief | Yes | null | 6,965,472 |
2021-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Flagship replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FC HoldCo LLC | IL | 61107 | Older American | Consent provided | Web | 2021-04-24 | Closed with explanation | Yes | null | 4,321,564 |
2017-01-20 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Don't agree with fees charged | My experience with Navient, formerly XXXX XXXX, is identical to the issues described in the lawsuit that was just brought against them. My payments have changed multiple times, each time increasing and each time I called they would say it was a mistake. I called to try and get a lower payment, and they told me that was all they could do, and then the next month told me I was 3 months behind on payments! I get charged extra fees every month for this supposed late payment, which never happened. I also verbally agreed to have my payment taken out of my bank account each month, and some months they take it out, and other months they do not ( and I DO have money in my account to cover the payment, so it is n't my fault ). The months they do not take it out, they tell me I have to call back when the loan is late ( pass the grace period ) so that they can help me. Lo and behold, when I call back exactly when I was told, they tell me I owe them fees. Every single month they tell me my payment has been made late, and charge me a new fee, but THEY TAKE OUT THE PAYMENTS! I 'm paying so much in fees it 's a joke. Every time I call, there is a different story about why these fees are being charged, despite paying on time every single month. I have n't paid down ANYTHING on these loans in 10 years because of fees and crazy changing payments. I hate Navient and their customer service is horrible and full of lies. Hopefully something can be done, or my credit will be ruined and I will be in debt to them for the rest of my life. | null | Navient Solutions, LLC. | MI | 49525 | null | Consent provided | Web | 2017-01-20 | Closed with explanation | Yes | No | 2,297,631 |
2023-08-29 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I am a victim of identity theft please remove this fraud inquiry from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60620 | null | Consent provided | Web | 2023-08-29 | Closed with explanation | Yes | null | 7,466,608 |
2017-10-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 270XX | Servicemember | Consent provided | Web | 2017-10-06 | Closed with explanation | Yes | null | 2,695,508 |
2022-05-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I wrote a letter to all the CRA 's : Experian, XXXX, and XXXX on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing.
Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.
This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 63137 | null | Consent provided | Web | 2022-05-05 | Closed with explanation | Yes | null | 5,542,532 |
2021-02-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I previously disputed that this item was not mine, provided all three bureaus with the requested information. After 47 days of waiting abd this adversly effecting me, it was removed. I recently checked my credit report and it was added back, without notification and with no regard to the information that was sent to all three bureaus, several times. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48124 | null | Consent provided | Web | 2021-02-08 | Closed with non-monetary relief | Yes | null | 4,123,184 |
2022-12-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX has violated my rights.
1
5 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19143 | null | Consent provided | Web | 2022-12-23 | Closed with explanation | Yes | null | 6,352,367 |
2022-03-01 | 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 fair credit reporting act XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32714 | null | Consent provided | Web | 2022-03-01 | Closed with explanation | Yes | null | 5,271,445 |
2023-02-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Dear Sir/Madam, I am writing to dispute the accuracy of the information being reported on my credit report regarding the above-referenced account [ or accounts ]. I believe that there may be a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ).
Specifically, I dispute the following : XXXX. XXXX [ Account XXXX : XXXX ] - XXXX is reporting a 120-day late payment, but according to other credit bureaus, there are no late payments. This may be a violation of the FCRA.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX ], XXXX XXXX XXXX XXXX Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX ]XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Account XXXX : XXXX ], XXXX XXXX XXXX [ Account Number : XXXX ] XXXX XXXX XXXX XXXX [ Account Numbers : XXXX and XXXX XXXX, XXXX XXXX [ Account Number : XXXX ], XXXX XXXX XXXX XXXX [ Account Number : XXXX ] - There may be violations of the FDCPA, TILA, RESPA, ECOA, and/or FCBA with respect to these accounts. I would appreciate if you could provide me with additional information regarding these accounts so that I can better understand the basis for any charges or collections.
I request that you investigate and correct any inaccuracies or incomplete information regarding these accounts as required by the FCRA. I also request that you cease any collection activities related to these accounts until the dispute has been resolved. Please provide me with copies of any documentation that you may have regarding these accounts.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX XXXX | null | EQUIFAX, INC. | MN | 550XX | null | Consent provided | Web | 2023-02-22 | Closed with explanation | Yes | null | 6,604,188 |
2016-04-05 | Debt collection | Other (i.e. phone, health club, etc.) | Communication tactics | Frequent or repeated calls | I had an account with XXXX XXXX but was mislead from the beginning on what the monthly payments would be. After that I switched my account over to XXXX who was supposed to pay off the transfer fees but never did. I received Collections calls from a company called Valentine and Kebartas regarding the debt. I worked with them for some time making bi weekly pmts of XXXX dollars. I had paid off almost half of the debt and came upon harder financial times. I spoke to a single rep regularly, but one day when i called back I spoke with a rep I had never before spoke with. I made a pmt of XXXX dollars and made him aware that I would only be able to pay monthly and that I would not be able to afford to pay what I was paying before. He told me that was fine and that he would schedule for me to be called in a month. Following that payment and agreement with the rep, I continued to receive up to five collections calls per day. After a week of receiving those calls during work and at all hours, I finally answered and spoke with the rep that I normally worked with. I asked why I was still receiving calls after having made a payment and worked out an arrangement with the other agent. She told me that the payment I made was not enough and that the account had been sent back by the " System '' and that is why I was still getting calls. After having worked with them for so long and even having made a payment as recently as the day before, that amount of calls was definitely harassment. Statements of my account automatically being sent to the system were also false and misleading. I work in collections and am very familiar with the way an auto dialer works and the work that is taken to load them. Arrangements should not have been agreed to if they were supposedly not " sufficient '' to keep them off of the dialer. receiving collections calls the next business day after having made a payment and agreements, is harassment and not fair collections practices. And blaming those tactics on the " system '' is misleading and a downright lie.
I discussed witht he rep and a supervisor settlement options to avoid legal assistance or escalated complaints, but was not given any real help. I have already paid over half a debt for a service that I practically never used, and canceled because of misleading and deceptive tactics used by a sales rep belonging to the same mother company, XXXX XXXX. | Company believes it acted appropriately as authorized by contract or law | Valentine and Kebartas, Inc. | UT | 84065 | null | Consent provided | Web | 2016-04-05 | Closed with explanation | Yes | Yes | 1,862,252 |
2019-06-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted a Dispute at the hard inquiries on my credit report from banks and creditors I did not apply for..
I have disputed the information twice and only got one response, which they refused to furnish any viable proof of this inaccurate information According to the ( FCRA ) section 611 and 609 ....
The reporting agencies are supposed to furnish the original instrument barring my wet ink signature or any contact that I have signed..
They never furnished any proof according to the guidelines of the ( FCRA ) In addition they never showed proof of any investigation or their methods of investigation which I am entitled to | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 18015 | null | Consent provided | Web | 2019-06-04 | Closed with explanation | Yes | null | 3,263,410 |
2023-06-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 337XX | null | Consent provided | Web | 2023-06-20 | Closed with explanation | Yes | null | 7,134,917 |
2023-01-26 | 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 | The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 105XX | null | Consent provided | Web | 2023-01-26 | Closed with non-monetary relief | Yes | null | 6,485,703 |
2017-07-24 | 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 authorized a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX for a car. I have notice that since then the same finance company continued to pull my credit report. This company has obtained my credit report XXXX more additional times without my permission, adding XXXX more hard inquiry 's. XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX were all unauthorized. Also, in addition to affecting my credit score , this company obtained my information and addresses that were unknown to them with out my permission. | Company believes it acted appropriately as authorized by contract or law | Byrider Franchising, LLC | OH | 43213 | null | Consent provided | Web | 2017-08-19 | Closed with explanation | Yes | null | 2,583,761 |
2023-05-18 | 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 | I am filing this complaint against [ ] because they have violated my rights as a consumer and failed to respond to several demands for resolution. They are in willful violation of the FCRA and they clearly have no desire to act beyond evading responsibility. I have given them ample opportunity to resolve these issues. These incorrect files are having a severe impact on my credit bureaus and XXXX scores. This inaccurate information is preventing me from moving forward with several financial plans. I have sent letters to the credit bureaus and to them specifically on [ Dispute and letter dates from results portal or we can provide these ] with no results and with no response. They are engaging in plausible deniability of the following issues.
account closed XX/XX/14 We bought a brand new XXXX XXXX with a loan from Ally Financial. Along with that we also purchase the GAP insurance incase anything were to happen. Unfortunately a year after purchasing the the car. My wife was at a light with our children in the car and a drunk driver came over the from the other side of traffic and ran into the truck head on and totaled the vehicle. We only had one car at the time and didnt have means to keep making payments before all the approval that the car was totaled and GAP kicked in to pay off the vehicle. During this time our account went past due and as you can see in the account it was paid off by GAP insurance because it was deemed totaled. Since then if you look up my history with Ally weve purchased and sold many vehicles using Ally. We currently have a longterm savings account with them. So our track recored with getting and paying off loans is there. This mark on our credit is a faulty example of what occurred and were asking for it to be removed or we will take a legal action. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | FL | 349XX | null | Consent provided | Web | 2023-05-18 | Closed with explanation | Yes | null | 6,997,894 |
2020-09-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | All those student loans accounts were result of identity theft, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of XXXX that I did not authorize see the attachment. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78681 | null | Consent provided | Web | 2020-09-11 | Closed with explanation | Yes | null | 3,841,973 |
2021-03-18 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/2021 I received a first communication from Vengroff Williams regarding a supposed overpayment on short term XXXX related to my prior employer ( via insurance company The XXXX ). Around that time I spoke with a VW representative explaining that the issue regarding employment end date and the " overpayment '' existed somewhere between XXXX and The XXXX. Per VW 's recommendation, I attempted to work with XXXX to address the issue with them - they were ultimately unresponsive.
On or about XX/XX/XXXX, I contacted VW at XXXX to let them know that the error between XXXX and The XXXX could not be resolved due to unresponsiveness, but that I had written proof of the claim end date and my employment end date lining up and disputed the debt. Per VW 's instructions, I provided said evidence and my written dispute of the claim to XXXX with the claim number in the subject line on XX/XX/2021 at XXXX.
There has been no response from VW providing any contrary evidence since that dispute and they are now well beyond their window of time to continue to harass me over this claim. Still, today I received a letter dated XX/XX/2021 stating that " Despite repeated requests for payment, the balance remains delinquent and unpaid ''. | Company believes it acted appropriately as authorized by contract or law | Vengroff Williams, Inc | CT | 068XX | null | Consent provided | Web | 2021-03-18 | Closed with explanation | Yes | null | 4,226,739 |
2023-05-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have tried to get this account remove from my credit file because it is FRAUD!!!!! Several times I have disputed this account that is on my report fron Experian from XXXX XXXX XXXXfor {$2400.00}. I don't what else to do except get a lawyer and file suit against Experian. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 237XX | Older American, Servicemember | Consent provided | Web | 2023-05-27 | Closed with explanation | Yes | null | 7,036,937 |
2017-09-05 | 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 saw a credit inquiry on my Equifax credit report from XXXX XXXX XXXX XXXX XXXX. I called and the person I spoke to said there was nothing they could do about it. I aksed about placing a fraud alert and the person I spoke to said they could not do so.
I asked for a phone number or contact information for XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the person refused to provide it. | null | EQUIFAX, INC. | CA | 92562 | null | Consent provided | Web | 2017-09-05 | Closed with explanation | Yes | null | 2,658,460 |
2021-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Barclays Bank is reporting an erroneous late on my credit file. I have a couple accounts with Barclays and make sure to make all my payments on time. I have perfect credit and have never made a late payment. I called Barclays to make a payment on my accounts as i normally do and went on with life. When i checked my credit later i noticed i had a late remark for the month of XX/XX/21. When i called in to see why or where the late remark came from they advised that i made a payment late. I told them i didnt and to check because i called in to make the payment. When they reviewed they said the representative who helped me applied the payment to the wrong account and refunded the late fee. When i asked about the late reporting on my credit file they said there was nothing they can do. That is the most ridiculous thing i have ever heard of. How can they admit the wrong doing and missed applied payment but not remove it from my credit file? This late remark dropped my credit scores drastically. I have been denied financing due to Barclays mistake and it very frustrating to hear that the bank that ruined you credit can not help fix it. I need this late removed ASAP, it shouldn't be there and it still is and is affecting my financing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | CA | 90278 | null | Consent provided | Web | 2021-04-26 | Closed with explanation | Yes | null | 4,328,534 |
2019-10-20 | 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 | My name is XXXX XXXX I tried checkin it through XXXX XXXX and XXXX XXXX.even tried the annual report..called Equifax..nuthn worked..I 'm gettin scared cause im only XXXX and want to mak sure nobodies using my ssn.
Please help..I did all this on XX/XX/XXXX..but got an alert from XXXX XXXX about a new account on my report but cant check it to mak sure its mine | null | EQUIFAX, INC. | NC | 281XX | null | Consent provided | Web | 2019-10-20 | Closed with explanation | Yes | null | 3,411,572 |
2021-10-19 | Checking or savings account | Checking account | Managing an account | Banking errors | Capital One Has refused to send me documentation for the disputed charges showing they are valid. the account currently has a negative balance from the disputed charges being reversed with no valid reason. proof of errors was provided to capital one for charges at the time of dispute. | null | CAPITAL ONE FINANCIAL CORPORATION | IN | 46201 | null | Consent provided | Web | 2021-10-19 | Closed with explanation | Yes | null | 4,825,519 |
2022-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.
15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
They also violated my rights numerous times.
The credit bureaus violated my given rights under 15 USC 1681.
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
According to : 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 According to : 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. | AL | 366XX | null | Consent provided | Web | 2022-06-21 | Closed with explanation | Yes | null | 5,689,305 |
2019-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have disputed this account for over a year now via all credit bureaus. I have specifically asked for when, where, and by whom this account was opened. And the information is never provided or even answered. This is not my account, and you can not continue to report it as you have not once verified the detailed information requested. Please provide all pertinent information used to open the account to verify it's accuracy. | Company believes it acted appropriately as authorized by contract or law | STERLING JEWELERS, INC. | MD | XXXXX | null | Consent provided | Web | 2019-05-20 | Closed with explanation | Yes | null | 3,247,614 |
2017-07-28 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I do n't understand how wells fargo allowed someone to rob my savings account. every day.Someone was going to wells fargo ATM in Florida getting taking {$300.00} out everyday starting on the XX/XX/XXXX antil XX/XX/XXXX 2017.also someone was checking account balance in XXXX NC and tried to take out {$400.00} and {$300.00} and {$100.00} in the XXXX NC as well as someone taking money out in Florida. Someone manually keyed Credit card in at a XXXX XXXX XXXX in XXXX XXXX area, I did a fraud claim with the ATM card service nothing has been done. Some one from the Attorney General need to go into that Bank and take over and do a internal investigation. I have seen plenty different face that work there and then leave. please have the FBI go into that location XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 28208 | null | Consent provided | Web | 2017-07-28 | Closed with explanation | No | null | 2,588,764 |
2023-04-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.
See the documents attached. | null | EQUIFAX, INC. | IL | 60440 | null | Consent provided | Web | 2023-04-17 | Closed with explanation | Yes | null | 6,850,291 |
2023-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been reaching out so serval months ; I have sent letters to the credit bureaus to remove these XXXX addresses and the different inquiries from my credit report, but it still needs to be done. The XXXX addresses that require immediate removal from my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX The inquiries that need to be removed from my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | AL | 35242 | null | Consent provided | Web | 2023-06-16 | Closed with explanation | Yes | null | 7,128,035 |
2018-03-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | There are many mistakes appear in my report without my understanding. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 20903 | null | Consent provided | Web | 2018-03-11 | Closed with explanation | Yes | null | 2,839,713 |
2022-10-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX, to removeitems that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ; DEPT OF ED 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 | 77095 | null | Consent provided | Web | 2022-10-31 | Closed with non-monetary relief | Yes | null | 6,149,040 |
2018-02-01 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I have been receiving multiple phone calls and paper mail from a company called Portfolio Recovery Associates.
They claim that I own money on a account that I have no knowledge of. They never provided me any information, indicating that this debt is indeed mine. The call me all the time, and at times leave me voice mails.
I have made attempts to speak to one of the representatives on the phone.However at times they hang before I can even say a word to them. Then when I try to call back its as if the number used to call me is not working.
I have recently checked my credit and noticed that, the debt in question of {$2800.00} has appeared on my credit report. This debt needs to be removed as soon as possible as it does not belong to me. | null | PORTFOLIO RECOVERY ASSOCIATES INC | NY | XXXXX | null | Consent provided | Web | 2018-02-02 | Closed with explanation | Yes | null | 2,800,035 |
2019-11-01 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/2019, I contacted XXXX XXXX to schedule a house cleaning. During that initial phone conversation I gave them a specific, detailed list of what was to be cleaned. At their advice, we contracted with XXXX and cleaning was scheduled for XX/XX/2019. ( When I initially spoke with XXXX they said the job would take 6-man hours. They made that determination without ever setting foot in my home. At that time I told XXXX it was impossible to complete the items I wanted cleaned in that timeframe. I was assured the person scheduling the cleaning knew what she was doing and six hours was sufficient. ) On XX/XX/2019 a three-person crew arrived at my home. According to XXXX, the crew chief, one of the three people was a trainee and could not be left unsupervised. ( It should be noted that I have correspondence from XXXX that specifically states, Each staff member has had extensive orientation and training prior to servicing your home. ) The crew chief acknowledged that there was no way to complete the work I contracted for in the time allowed. Additionally, the crew chief told me that some of the work I specifically contracted for is not cleaning that XXXX provides. The work was NOT completed satisfactorily. Both the crew chief and I called XXXX that day to express our concerns but we were not able to make contact while the cleaning crew was at my home. I expressed my dissatisfaction before the crew left my home. That same afternoon I reached out to XXXX XXXX to express my dissatisfaction. They were able to read to me over the phone the specific items I had requested and had contracted to be completed. XXXX XXXX understood my frustration and told me they would make it right. Later that day I spoke with XXXX from XXXX who refused to send out a team to complete the work and took no responsibility for the poor, incomplete job that had been done. However, the information XXXX sent me states, We are so confident in our service, we guarantee it. If you are not satisfied with a certain area of your home, simply call us within 24 hours and we will re-clean the area for free. On XX/XX/2019, I reached out to XXXX to dispute the charge on my credit card statement. I left a message for XXXX and received no response. On XX/XX/2019 I spoke with XXXX XXXX who reached out to XXXX and assured me I would be receiving a call from XXXX that afternoon. XXXX, from XXXX, called that afternoon and stated they are only responsible for estimates and scheduling. She would send an email to the manager, XXXX, at the local XXXX XXXX location. On XX/XX/XXXX I received confirmation from Comenity bank that our dispute had been received. On XX/XX/2019 I reached out to XXXX XXXX and requested documentation of our XX/XX/XXXX phone conversation outlining the specific work I contracted XXXX to complete. That information was never received. On XX/XX/2019, I called back to XXXX XXXX and was advised I had to send a request in writing in order to receive the transcript of the XX/XX/XXXX phone call. I sent that request on XX/XX/2019. On XX/XX/XXXX I received a letter from a Corporate Paralegal at XXXX XXXX stating they require our investigating bank to send them a request, on their letterhead, detailing exactly what information they require XXXX XXXX to provide. I have been in contact with Comenity Bank on multiple occasions attempting to dispute the charge. I received multiple form letters in response stating our dispute was received, requesting further information ( which was provided multiple times both over the phone and in writing ) and ultimately that Comenity is unable to send communication to any third parties as you requested and that the dispute was concluded. My frustration is that I was billed for services that were not completed and Comenity Bank is refusing to contact XXXX XXXX to obtain the documentation necessary to fully investigate my dispute. | null | Bread Financial Holdings, Inc. | MD | 21012 | Servicemember | Consent provided | Web | 2019-11-01 | Closed with explanation | Yes | null | 3,425,510 |
2020-05-01 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | All of these are from 2011 and payed off and the rest are account not done by myself. Cease to exist | Company believes it acted appropriately as authorized by contract or law | SCHOOLSFIRST FEDERAL CREDIT UNION | CA | 92804 | null | Consent provided | Web | 2020-05-01 | Closed with explanation | Yes | null | 3,632,525 |
2018-05-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have lodged disputes with Capital One, XXXX, XXXX and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 92116 | null | Consent provided | Web | 2018-05-07 | Closed with explanation | Yes | null | 2,899,352 |
2017-07-07 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | 3rd COMPLAINT Ref Complaint # XXXX XXXX Numerous requests to PNC to stop sending credit card offers in the mail have failed. Was assured by PNC by phone and by complaint # XXXX that I will not receive offers to my address. <P/>Please see previous complaints for additional documentation. <P/>> This is the ONLY bank that does not remove this address from their marketing. | null | PNC Bank N.A. | IL | 605XX | null | Consent provided | Web | 2017-07-07 | Closed with explanation | Yes | null | 2,568,444 |
2018-07-18 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | continues to call me at work or cell phone states they have documentation that they are going to submit. When I asked them to stop calling they become irate and verbally abusive | Company believes complaint caused principally by actions of third party outside the control or direction of the company | BlueChip Financial | CA | 91786 | null | Consent provided | Web | 2018-07-18 | Closed with explanation | Yes | null | 2,966,400 |
2023-10-02 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required that was asked and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. These accounts have been deleted from my other consumer reports such as XXXX and XXXX. I will include proof below. According to the FCRA, Transunion is required to delete them as well. I have sent an FTC Identity theft report to Transunion proving the accounts are fraudulent which was also asked for. According to the FCRA, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. This has caused emotional distress and damage and also has caused damage to my reputation. I am asking Transunion to provide a copy of my consumer report showing the items deleted during the 30 day investigation and also proving they are complying with the FCRA. I am also asking Transunion to provide the name and direct contact information of the persons they will interview to verify the information the information on my consumer report they have refused to delete. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KS | 662XX | null | Consent provided | Web | 2023-10-02 | Closed with non-monetary relief | Yes | null | 7,619,965 |
2017-09-17 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | I have been dealing with this medical debt for 2 years now. I had an emergency room visit on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the doctor was paid by my medical insurance on XXXX/XXXX/XXXX. I notice that the date of service on the debt collection letter is for XXXX/XXXX/XXXX and the date on my insurance claim is for XXXX/XXXX/XXXX. I did get treated at the ER on both of these dates so I think maybe the dates are mixed up on the paperwork. That may be what the problem is because I have insurance claims to different doctors on both of these dates. The original fee charged was {$1200.00}. He is a physician provider on my insurance and agreed to accept the eligible charges that were paid to him. This has been on my credit report up until a couple of months ago and the only reason it 's not there now is because I filed a dispute with XXXX XXXX. After the dispute was settled it was deleted from my credit, but this physician sent these charges to a different collection agency after the other one dropped it. The old collection agency was XXXX XXXX and the new collection agency is XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX DO ) and the current creditor is listed as Pendrick Capital Partners. A XXXX XXXX/ XXXX XXXX XXXX representative even tried to call and talk to the first collection agency ( XXXX ) and the physicians company, but was given the run around and was unsuccessful. I faxed them proof of payment from the insurance company on several occasions, but was unsuccessful until I filed the dispute with XXXX. I have not contacted the new collection agency because collection agencies only go by what the creditor claims you owe them, so I 've decided to file this complaint here. | null | Pendrick Capital Partners Holding, LLC | AL | 36330 | null | Consent provided | Web | 2017-09-17 | Closed with explanation | Yes | null | 2,676,665 |
2022-12-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | TN | 37167 | null | Consent provided | Web | 2022-12-30 | Closed with explanation | Yes | null | 6,380,236 |
2023-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | JPMCBANK/ XXXX XXXX XXXX XXXX XXXX XXXX ARE ACCOUNTS ON MY REPORT WITH FRAUDELANT INFO/ PLEASE REMOVE AND REMITT ALL FUNDS DUE TO ME. PER 12 USC 1813 | null | JPMORGAN CHASE & CO. | NV | XXXXX | null | Consent provided | Web | 2023-04-12 | Closed with explanation | Yes | null | 6,832,361 |
2022-03-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38016 | null | Consent provided | Web | 2022-03-01 | Closed with non-monetary relief | Yes | null | 5,275,410 |
2021-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Company reporting violations to my credit report. Please see the violations below.
Account Name : XXXX XXXX. Account Number XXXX Violation Reported : date of last payments reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are all reporting different date of late payments.
Violation Reported : reporting past due of XXXX, and payment status reports collection/ charge-off. No pass due balance should be reporting.
Violation Reported : two-year payment history reporting nothing for XXXX, Experian reports as CO, and XXXX reports as current/ Ok. These accounts are reporting under the closed account section, and not reporting under the collections accounts section and yet these are charged-off/ collections accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77070 | null | Consent provided | Web | 2021-06-02 | Closed with non-monetary relief | Yes | null | 4,425,679 |
2022-05-01 | Credit card or prepaid card | Store credit card | Incorrect information on your report | Account information incorrect | I have over 8 late payments reflecting on my credit card. I never paid late. I always had a extension or forbearance I spoke to reps before who were suppose to update information. Shortly after my account got closed out without allowing a option to do anything. Despite their being a recorded conversation we're reps clearly stated the problem that occurred. I begged them to re open account but they didn't. They should of honored the conversation cause I was completely mislead | null | TD BANK US HOLDING COMPANY | FL | XXXXX | Servicemember | Consent provided | Web | 2022-05-01 | Closed with explanation | Yes | null | 5,524,835 |
2021-11-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have submitted XXXX disputes with XXXX, XXXX Disputes with XXXX, XXXX disputes with Experian regarding a collection account they have let remain on my Credit Report, even though I have asked the companies listed below for a " SIGNED CONTRACT '' by me, Per the F.C.R.AXXXX CREDIT XXXX has had XXXX different occasions to produce such documentation if they had any, I have yet to receive such a contract, which is required to " MEET FCRA STANDARDS ''! I have provided proof of this account being removed/deleted from my XXXX Report XXXX If XXXX could not verify this account per the F.C.R.A, How are XXXX and EXPERIAN doing so? XXXX XXXX XXXX LETTER, XXXX XXXX XXXX - XXXX letters, XXXX - XXXX letters, XXXX - XXXX Letters Experian - XXXX Letters | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33781 | null | Consent provided | Web | 2021-11-27 | Closed with non-monetary relief | Yes | null | 4,951,820 |
2018-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX have been reporting a card that was not open by me on my report I have removed them all off all other reports except transunion they removed once an than put it back XX/XX/XXXX Completed XXXX XXXX Reported on XX/XX/XXXX {$1900.00} 79 % of Credit Limit* Item Results Result : Deleted - TransUnion has deleted the account or record from your TransUnion credit report.
Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data.
The creditor agreed to remove this account from my file.
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX.
Mail : TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94565 | null | Consent provided | Web | 2018-05-08 | Closed with explanation | Yes | null | 2,900,025 |
2020-08-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of 2020, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible. | null | EQUIFAX, INC. | GA | 30344 | null | Consent provided | Web | 2020-08-28 | Closed with explanation | Yes | null | 3,818,568 |
2022-08-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act ( Account, XXXX XXXX Account # XXXX ) has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 350XX | null | Consent provided | Web | 2022-08-19 | Closed with explanation | Yes | null | 5,895,986 |
2019-12-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Experian has for years had a wrong address listed. I believe it is a typo that someone put in as it is a derivation of my correct address. The address does not even exist. I have submitted this error to them at least twice and they refuse to fix it. The XXXX address on the attached does not exist and obviously I have never lived there. It is the 2nd address listed. Also the 3rd address is no one. This is a condo complex so that address without an apartment number would be 12 people not me. | 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 | 2019-12-30 | Closed with non-monetary relief | Yes | null | 3,481,174 |
2018-11-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | RE : REQUEST FOR REMOVAL OF INQUIRIES To Whom It May Concern : Section 609 [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], there should be no charge for this information.
Please remove the following inquiries from my report I have no knowledge of these companies. XXXX XXXX TRANSUNION XXXX XXXX XXXX VIA XXXXTRANSUNION XXXX TRANSUNION CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION CONSUMER XXXX TRANSUNION XXXX / XXXX XXXX XXXX TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions or need additional information, please contact me at address noted below.
Thank you.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43211 | null | Consent provided | Web | 2018-11-08 | Closed with explanation | Yes | null | 3,069,019 |
2023-02-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | The following address, names ect must be removed from credit report as the are incorrect.
DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( correct address is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( remove the XXXX XXXX XXXX ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( correct address is " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( Add a " XXXX '' ) ) DELETE : " XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( was my XXXX. no longer own, not residence ) DELETE : " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '' ( My mother and fathers old house not mine ) DELETE : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' ( NEVER LIVED THERE ) DELETE : XX/XX/XXXX ( XXXX ) NOT MY XXXX DELETE : XXXX XXXX XXXX, " XXXX '' IS MY MIDDLE XXXX NOT 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 | 13760 | null | Consent provided | Web | 2023-02-17 | Closed with non-monetary relief | Yes | null | 6,579,040 |
2019-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Looking to apply for credit and found a number of inquiries that I did not make or give permission. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 27284 | null | Consent provided | Web | 2019-09-28 | Closed with explanation | Yes | null | 3,389,349 |
2019-12-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. | null | EQUIFAX, INC. | CA | 93638 | null | Consent provided | Web | 2019-12-11 | Closed with non-monetary relief | Yes | null | 3,465,487 |
2023-02-09 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | Hi, It is my understanding that a debt collector must furnish a letter within XXXX days of contacting you. According to the Fair Debt Collection Practices Act ( FDCPA ), within XXXX days of initially contacting you, a debt collector must send you a written debt validation letter that contains the following information : The amount of the debt ; The name of the creditor to whom the debt is owed ; and A statement that unless you dispute the validity of the debt within XXXX days after receiving the notice, the debt collector will assume that the debt is valid. Midland Credit started contacting me on XX/XX/XXXX. However, I have never received a five-day letter detailing why. This is a violation of the FDCPA. As you can see, from the attachment, they contacted me at least XXXX times after the initial contact. I am retired and living on Social Security as my sole source of income. | null | ENCORE CAPITAL GROUP INC. | WI | 53051 | Older American | Consent provided | Web | 2023-02-09 | Closed with non-monetary relief | Yes | null | 6,550,529 |
2023-02-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am submitting this Complaint regarding the fraudulent accounts and information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report that I need you removed as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required to remove any accounts and information you report on my Credit File, so please comply with the Federal Law and have the disputed items removed as soon as possible. | null | EQUIFAX, INC. | TX | 77521 | null | Consent provided | Web | 2023-02-20 | Closed with explanation | Yes | null | 6,589,960 |
2019-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77089 | null | Consent provided | Web | 2019-10-11 | Closed with explanation | Yes | null | 3,402,657 |
2018-06-15 | Student loan | Private student loan | Struggling to repay your loan | Can't get other flexible options for repaying your loan | I have made numerous attempts to repay my loans to Navient without success. Navient representatives have advised inconsistent and/or inaccurate information to me regarding forbearances and lower monthly repayment options. In XX/XX/XXXX, I was advised that monthly payments would be around $ 810/month and that I would not be eligible for forbearance. In XX/XX/XXXX, I was advised that I had forbearance options and that they were available for use at the rate of {$100.00} per loan ; I was advised that I would pay {$200.00} to use 3 months of forbearance and no other repayment option was available. In XX/XX/XXXX, I was advised that I have a repayment option that is interest only, payments for 6 months being $ XXXX/month- nothing going towards the principal and increasing the life of the loan. No other repayment option available. I was advised that should my account go into default, that more repayment options would become available. I was advised that I had forbearance time left and that it would be {$100.00} total to utilize this. I utilized the forbearance option and told the representative that the last agent advised it was {$200.00}. The new representative advised that the previous agent was wrong and should not have charged {$200.00} for my forbearance privileges. This sheds light on misallocated funds and leads most to question what they're doing with consumer 's repayments. Payments are currently at {$850.00} and I have no means to pay them currently. | null | Navient Solutions, LLC. | CA | 90019 | null | Consent provided | Web | 2018-06-15 | Closed with explanation | Yes | null | 2,937,624 |
2023-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and 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 my written instructions | null | EQUIFAX, INC. | AL | 360XX | null | Consent provided | Web | 2023-02-24 | Closed with explanation | Yes | null | 6,606,218 |
2016-10-30 | Debt collection | Other (i.e. phone, health club, etc.) | False statements or representation | Attempted to collect wrong amount | In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay. | Company believes it acted appropriately as authorized by contract or law | N.A.R., Inc. | UT | XXXXX | null | Consent provided | Web | 2016-10-30 | Closed with explanation | Yes | No | 2,186,126 |
2021-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | credit report from XXXX, XXXX, and Experian/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies?
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NH | 032XX | null | Consent provided | Web | 2021-06-09 | Closed with explanation | Yes | null | 4,447,115 |
2022-11-13 | Student loan | Federal student loan servicing | Improper use of your report | Reporting company used your report improperly | I have been in constant communication with Navient agents regarding my loan status. The lost time I spoke with an agent, and the information provided was that all student loans had been placed in forbearance status until XX/XX/XXXX. Per the office of the President of the US. And so, during this loan collection forbearance period, I was working towards consolidating my loans. However, last week I received a notice from the credit bureaus informing me that Navient reported my loans as delinquent thereby dropping my XXXX XXXX from XXXX to the low XXXX. Needless to say, I immediately went into shock.
After I recovered, on XX/XX/XXXX I called Navient and spoke with an agent, I explained the reason for the call, explained I was misinformed by Navient, and demanded that the report credit report be rescinded immediately. He was unable or unwilling to assist, thus I am reaching out to CFPB for support and assistance in order to resolve this issue.
Thank you : XXXX XXXX, I can also be reached via Text : XXXX I | null | Navient Solutions, LLC. | CA | 92394 | Older American | Consent provided | Web | 2022-11-13 | Closed with explanation | Yes | null | 6,198,836 |
2023-04-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19607 | null | Consent provided | Web | 2023-04-19 | Closed with explanation | Yes | null | 6,855,305 |
2020-02-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Pennymac Loans # XXXX is reporting a late in XX/XX/20 that I should not have. This late was a fault of XXXX XXXX as I kept trying to call and make the payment by phone and by doing it online, but they kept giving me the run around because their website was not working. This is not my fault and I shouldn't have a late. | null | PENNYMAC LOAN SERVICES, LLC. | GA | 306XX | null | Consent provided | Web | 2020-02-17 | Closed with non-monetary relief | Yes | null | 3,534,274 |
2023-01-06 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved. | null | JPMORGAN CHASE & CO. | IL | 61820 | null | Consent provided | Web | 2023-01-06 | Closed with monetary relief | Yes | null | 6,407,116 |
2019-03-02 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | On XXXX, a visit was made to the XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The physician apparently was employed by XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX submitted a bill for {$90.00}, which was paid on XX/XX/XXXX. XXXX XXXX XXXX is no longer in business, although the Internet still shows a XXXX XXXX location at XXXX XXXX XXXX. There was never a bill received from XXXX XXXX XXXX. On XX/XX/XXXX, a bill was received from Phoenix Financial Services on behalf of XXXX XXXX XXXX for {$90.00}. The bill was paid for {$45.00}, which was the amount demanded by Phoenix. Upon further checking, it was discovered that that the original bill had been paid as noted above. Upon contacting Phoenix, they disclaimed all responsibility for the effort of XXXX XXXX XXXX to collect money from the individual for a bill that had already been paid to another party that XXXX XXXX XXXX was unable to collect from. Phoenix then sent a notice ( exhibit 5 ), disclaiming all responsibility for their actions and referring the individual to XXXX XXXX XXXX, even though Phoenix had improperly collected a debt and acted as an agent of XXXX XXXX XXXX. | Company believes it acted appropriately as authorized by contract or law | Phoenix Financial Services LLC | IL | XXXXX | null | Consent provided | Web | 2019-03-07 | Closed with explanation | Yes | null | 3,167,363 |
2021-07-07 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | The original loan was with Credit Acceptance and the amount was for {$11000.00}. The loan is now at {$22000.00} which is 50 % interest rate. The car was a lemon and told them we wanted to do a voluntary repossession. They never came to get it. They then sold the account to XXXX XXXX XXXX XXXX. They took us to court and won the judgement and a lien was put on our bank account and then emptied. Credit Acceptance is still reporting on my husbands and my credit reports when they sold the account. The original loan was opened XX/XX/XXXX. The judgement that XXXX XXXX received against us was XX/XX/XXXX. I want credit acceptance to be removed from our credit reports as the account holder. They just dropped our scores over XXXX points because they reported it as 180 days late, which was years ago, and added another {$100.00} to the balance. | null | CREDIT ACCEPTANCE CORPORATION | CA | 950XX | Servicemember | Consent provided | Web | 2021-07-07 | Closed with explanation | Yes | null | 4,521,536 |
2023-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reportsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32244 | null | Consent provided | Web | 2023-08-10 | Closed with non-monetary relief | Yes | null | 7,383,962 |
2020-03-07 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | I received an email on Monday, XX/XX/2020 at XXXX XXXX that I had been declined for a credit card with CapitalOne. I immediately contacted CapitalOne and notified them of a fraudulent application in my name. After answering questions CapitalOne was convinced that fraud had taken place. I was advised and assured that I would be receiving a letter and that the three credit bureaus would be notified. Nothing has happened and I want to be assured that my score is not harmed as a result of this fraud.
Thank you.
XXXX XXXX XXXX | null | CAPITAL ONE FINANCIAL CORPORATION | MA | 01108 | Older American | Consent provided | Web | 2020-03-07 | Closed with non-monetary relief | Yes | null | 3,558,033 |
2015-08-26 | Student loan | Non-federal student loan | Can't repay my loan | Can't get flexible payment options | When attending XXXX I did not know the high interest rates from my private loans. The payments are too high and hard to afford. Current interest rates are 10.25 %. I am submitting this complaint from attending XXXX from XXXX. When attending XXXX we were not told about the interest rates and pressured into the loans. Below is the amount owed to First Associates Loan Servicing, XXXX {$6200.00} $ XXXX is the contact info for First AssociatesPhone : XXXX : XXXX XXXX XXXX XXXX, CA XXXX | Company believes complaint caused principally by actions of third party outside the control or direction of the company | First Associates Loan Servicing LLC | MI | 48038 | null | Consent provided | Web | 2015-09-02 | Closed with explanation | Yes | No | 1,536,798 |
2018-01-31 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | OnXX/XX/XXXX XXXX XXXX arrived in XXXX XXXX and made a cash withdrawal at the International Airport.
A second cash withdrawal datedXX/XX/XXXX appeared on our account allegedly from the same ATM at the international airport. This was discovered onXX/XX/XXXX upon return from XXXX.
On the day of this alleged cash withdrawal at the international airport, XXXX XXXX and daughter were more than 50 miles away on a vacation excursion. XXXX XXXX was in XXXX during the entire period. No cardholder made this cash withdrawal.
Despite numerous attempts to resolve this issue with XXXX XXXX XXXX, the only conclusion they can reach is that XXXX XXXX had the card in her possession and had the PIN ( which was not personal as the pin was issued by XXXX XXXX ).
All undisputed charges incurred during this billing period for XXXX and XXXX were paid XX/XX/XXXX with a subsequent payment for international fee charges and interest on the undisputed cash withdrawal. All subsequent and current balances on this card are related to the alleged cash withdrawal. A detailed time line is attached. There has been no attempt by XXXX to resolve this either as admitting a mistake, determining fraud or providing XXXX XXXX to an excellent customer. | null | AMERICAN EXPRESS COMPANY | GA | 30022 | null | Consent provided | Web | 2018-02-02 | Closed with monetary relief | Yes | null | 2,799,052 |
2021-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53208 | null | Consent provided | Web | 2021-02-24 | Closed with explanation | Yes | null | 4,162,775 |
2023-02-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. | null | EQUIFAX, INC. | NY | 14612 | null | Consent provided | Web | 2023-02-28 | Closed with explanation | Yes | null | 6,620,667 |