Datasets:

aciborowska

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customers-complaints

like 1

2022-11-29

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair Credit act XXXX Account XXXX XXXX, has violated my rights. Per fair Credit Report act Laws you can't have a pass due balance on a closed Charge off account. 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. XXXX XXXX Account # XXXX, Has violated my rights. 15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 18 USC 894 NO negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing late payments, chagere offs, etc.

EQUIFAX, INC.

TX

77099

Consent provided

Web

2022-11-29

Closed with explanation

Yes

2023-04-29

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

Credit reporting

Incorrect information on your report

Personal information incorrect

To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. Please delete the following inaccurate names : List of misspelled or inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury. Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151. I have enclosed copies of my state-issued identification and social security number to validate my identity.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

DE

19713

Consent provided

Web

2023-04-29

Closed with non-monetary relief

Yes

2023-04-28

Debt collection

I do not know

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

The account listed by the collection agencies do not list what it is for. I have attached from there website if this is not handled properly and a timely manner, it must be deleted from all credit bureaus immediately. They have had the account since XX/XX/22 and nothing is showing up and Ive not been given the correct information in 10 months, For this reason it must be deleted immediately.

Resurgent Capital Services L.P.

SC

296XX

Consent provided

Web

2023-04-28

Closed with explanation

Yes

2022-11-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 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 take 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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33897

Consent provided

Web

2022-11-23

Closed with non-monetary relief

Yes

2023-02-25

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

Credit reporting

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

Was not notified of investigation status or results

XX/XX/2023 - I have requested the removal of a activite security alert that is still on my credit report.

EQUIFAX, INC.

SC

29730

Servicemember

Consent provided

Web

2023-02-25

Closed with explanation

Yes

2021-12-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.

OneMain Finance Corporation

FL

32277

Consent provided

Web

2021-12-17

Closed with explanation

Yes

2023-02-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX : {$2000.00} XXXX XX/XX/XXXX

EQUIFAX, INC.

CA

90650

Consent provided

Web

2023-02-06

Closed with explanation

Yes

2022-01-15

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

Formal Complain On Third Party Credit Reporting Blacklisting Services, ( Early Warning Systems ) and ( XXXX XXXX ) are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of XXXX scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These Blacklisting Services and trying to dispute or clear these types of blacklisting from an individuals account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A Blacklisting Services

Early Warning Services, LLC

OH

435XX

Consent provided

Web

2022-01-28

Closed with explanation

Yes

2021-01-13

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 an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! Please remove these fraudulent account asap!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30122

Consent provided

Web

2021-01-13

Closed with explanation

Yes

2020-06-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. DEPTEDXXXX XXXX {$9000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTEDXXXX XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX {$2500.00} XXXX XXXX {$990.00} XXXX XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AR

72211

Consent provided

Web

2020-06-05

Closed with explanation

Yes

2018-07-09

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I made three deposits, XXXX, XX/XX/2018, XXXX, XXXX, XXXX, XXXX. Well Them I paid my rent, which included some back rent, then paid the rent for XXXX. All totaling about {$1900.00}. The checks bounced and when I checked, there was a verification hold on my account. I called the number, several times, only to be sent to a voicemail. I tried other ways, but always got sent back to the voice mail. It said they would call me back. They never did. Now I'm in danger of being evicted.

CAPITAL ONE FINANCIAL CORPORATION

AR

72206

Servicemember

Consent provided

Web

2018-07-09

Closed with explanation

Yes

2021-09-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

After disputing inaccurate information, using the online method, I find it to be very useless and only to benefit the reporting agency like it's a game. XXXX has a history of violating the FCRA by altering information, re-aging, adding and omitting information but absolutely never resolving an issue the honest way. I have included evidence of XXXX violations. Anytime I use online dispute process, XXXX alters whats being disputed and report the results. XXXX has NO LEGAL rights to keep altering and changing ANY information. That is considered FRAUD. And absolutely not accurate. On XX/XX/2021 I was left with no other choice but to send my request in writing to XXXX, requesting the account is verified and validated with original agreement, contract or account with my signature and date to match what the are actively reporting. XXXX continues to ignore and disregard my request, alters and change information and continue the inaccurate fraudulent reporting. It is the reporting agency responsibility to have 100 % accurate information on consumers they report. It is a total violation and against the law to post inaccurate information and even worse to furnish that information to other agencies and lenders. XXXX has done an extreme amount of damage to my report keeping my scores and ratings low. XXXX did not fulfill my request in the 30 days given, XXXX refuse to acknowledge the request and posted updated results without ever verifying and validating the request. I demand the inaccurate fraudulent much altered account completely and permanently removed immediately.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

44446

Consent provided

Web

2021-09-13

Closed with explanation

Yes

2018-07-25

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE XX/XX/XXXX- 30 DAYS LATE XX/XX/XXXX- 60 DAYS LATE XX/XX/XXXX- 90 DAYS LATE XX/XX/XXXX- 120 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MA

02301

Consent provided

Web

2018-07-25

Closed with explanation

Yes

2022-02-02

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

Credit reporting

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

Their investigation did not fix an error on your report

All 3 of my credit reports are reporting the same account containing a lot of inaccuracies. The account I am referring to is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Account XXXX This account is reporting inaccurate late payments and I have been going back and forth trying to correct the information. If the information can not be corrected, the account has to be removed off of all 3 of my credit reports because it is reporting inaccurate information and violating the FCRA. All 3 Credit Bureaus are reporting that I was 30 days late in XX/XX/XXXX, then you reported again that I was 30 days late in XX/XX/XXXX. They then reported that I was 60 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. How is this so? I can not be 30 days late for two consecutive months back-to-back, then 60 days late the month right after the previous two months, and then 60 days late again the following month. It is impossible. This is a serious error in your reporting. I have written multiply letters dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so forth.

EQUIFAX, INC.

FL

33313

Consent provided

Web

2022-02-02

Closed with explanation

Yes

2019-05-14

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX and Transunion are reporting incorrectly that I am30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 5 and 6 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

80247

Consent provided

Web

2019-05-14

Closed with explanation

Yes

2023-05-04

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

Credit reporting

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

Investigation took more than 30 days

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IN

471XX

Consent provided

Web

2023-05-04

Closed with non-monetary relief

Yes

2022-12-01

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

On XX/XX/2022, a Dispute letter was sent out to XXXX XXXX which is being furnished on my Consumer report. The address to send correspondence to XXXX as reflected on my Consumer report is XXXX XXXX XXXX XXXX, MN XXXX. My dispute was sent to this address in an attempt to have this account investigated and all reporting to cease and desist until it could be investigated, however, the mail sent to XXXX was returned " not deliverable as addressed ''. The credit reporting remains and I have disputed with credit agencies and they have verified as accurate, however the debt infact is not accurate and is the result of Fraud. Law provided that all information is furnished on my consumer report must be 100 % accurate and I, in fact, would like this debt verified and a contract to be provided that bears all party 's signatures. which has not been provided to me. I found a secondary address and sent a letter to XXXX in XXXX Texas in which they received my dispute and signed for it. However no response was ever received providing me with complete debt validation regarding this dispute.

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

NRA Group, LLC

FL

32940

Consent provided

Web

2022-12-01

Closed with explanation

Yes

2021-11-10

Checking or savings account

Checking account

Opening an account

Account opened as a result of fraud

I spoke with Wells Fargo on XX/XX/2021 because I received an alert with XXXX about an account being open which I did not apply for. The lady explained that someone opened a checking account online in my name and they will open a fraud case about the matter.

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

WELLS FARGO & COMPANY

TX

76063

Consent provided

Web

2021-11-10

Closed with explanation

Yes

2022-04-04

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

Credit reporting

Incorrect information on your report

Account information incorrect

To whom this may concern, Please see enclosed document from XXXX XXXX. I received a letter from XXXX XXXX stating the information you have placed on my personal credit profile wasnt and couldnt be verified by XXXX XXXX and has been removed from my personal credit profile. Who verified this FALSE information? Either this was an is an ERROR or a LIE a this must be REMOVED immediately. Also please place a FREEZE on my account Ive enclosed a copy of my Drivers License, social security card. Im writing you once again asking you to remove INACCURATE DEROGATORY items listed below of my personal credit profile ASAP! This is my final attempt I will be seeking legal action after the notice. 1 ) Barklays Bank Delaware 2 ) XXXX XXXX XXXX XXXX ( account was never late ). 3 ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( account was never late ). 4 ) US Dept Of Education XXXX 5 ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate derogatory information listed above Im requesting be REMOVED ASAP. XXXX you have violated my rights for the past 2 years, as a citizen I have a RIGHT to have a public record, but as a CONSUMER congress gives me a right to and accuracy, fairness also privacy. 15USC1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

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

BARCLAYS BANK DELAWARE

GA

30076

Consent provided

Web

2022-05-09

Closed with explanation

Yes

2022-08-09

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXXXXXX BANK XXXX XXXXXXXX Balance {$360.00} o XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00}

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

Experian Information Solutions Inc.

TX

77016

Consent provided

Web

2022-08-09

Closed with explanation

Yes

2021-07-08

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

Credit reporting

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

Investigation took more than 30 days

Received copy of my Experian credit report and it showed some inaccurate information specifically a bankruptcy. I asked Experian to disclose there method of verification and Experian received XX/XX/21 and never received response. Sent 2nd request for method of verifcation XX/XX/21 and replied XX/XX/21 with file # XXXX claiming the bankruptcy was verified by XXXX. So I went directly to XXXX to confirm this information and on XX/XX/21 XXXX couldn't verify the inaccurate bankruptcy on there file and as of XX/XX/21 has deleted and removed the bankruptcy from there files. On my behalf XXXX also filed a dispute with Experian to confirm the bankruptcy was deleted from there file. Also as a follow up, I sent the results of this investigation to Experian directly received on XX/XX/21 and as of XX/XX/21 has not received a response from my request to have the bankruptcy removed from there file. I pulled my Experian credit report on XX/XX/21 with file # XXXX which still shows the bankruptcy on my file. Seems as if Experian is ignoring the dispute done on my behalf by XXXX and my followup done as well with a no response.

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

Experian Information Solutions Inc.

IL

604XX

Consent provided

Web

2021-07-08

Closed with explanation

Yes

2015-06-30

Debt collection

Medical

Disclosure verification of debt

Right to dispute notice not received

I have a debt from a XXXX I had back in 2009 when I was in college. I could not afford to pay the bill and did not have insurance at the time.

Company chooses not to provide a public response

HCFS Health Care Financial Services, Inc.

PA

19446

Consent provided

Web

2015-07-06

Closed with explanation

No

No

2023-08-02

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

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Experian Information Solutions Inc.

PA

19606

Consent provided

Web

2023-08-02

In progress

Yes

2022-12-24

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

American Adjustment Bureau Inc has reported workmans comp items to the credit report that have been paid off. As well as obtaining personal medical information unlawfully.

AMERICAN ADJUSTMENT BUREAU,INC.

CT

06010

Consent provided

Web

2022-12-24

Closed with explanation

Yes

2021-03-26

Debt collection

I do not know

Communication tactics

Used obscene, profane, or other abusive language

I was contacted today XX/XX/XXXX by a female at my work phone number from a company called XXXX calling on behalf of XXXX she says.I told her I don't know what the loan was for and that i recently paid off all of my debts. She went on to tell me that " I work at a XXXX and i should know how it works '' Threatening me saying " she doesnt know how i am still employed because i owe the money and i need to resolve before they take further action '' They claim they have sent me emails, which i have never received. They also said it was from XXXX, why is this no where to be found on any of my credit reports? Last time a gentleman called and started giving me a different customers DL #, address and ssi? This is not okay. She called from XXXX i received a call a few weeks ago in XXXX of XXXX as well. My mail has also been forwarded from any previous addresses i have had so i would have received communication.

ENOVA INTERNATIONAL, INC.

OH

44095

Consent provided

Web

2021-03-26

Closed with explanation

Yes

2018-11-30

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

LEXISNEXIS

OH

43227

Consent provided

Web

2018-11-30

Closed with explanation

Yes

2019-12-20

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

On XX/XX/19 I set up payments with Preferred Collection and Management Services. I made one payment online and was sent a statement for the three payments post initial payment. I was looking into why I owed $XXXX in the first place since I had not been billed. When the second payment was due on XX/XX/19 I called and payed the balance to avoid any future payments after agreeing I did owe the balance. On XX/XX/19 my bank was drafted a payment of $XXXX. I called wanting to remove my bank card from the records since I have now overpayed. I was told by supervisor XXXX that preferred does not have my card on file and that I must have made the payment myself. I consider myself a perfectly sane person and know that I did not make the last payment of $XXXX. If they do not have my card on file, I am not sure how they can draft me. I do not trust this company and am truest fed up with them and the lack of respect I received on the phone. They also wanted me to email my bank records as proof that the charge was not backed out. Yeah no I don’t think so! Wow!

Preferred Collection and Management, Inc.

GA

30224

Consent provided

Web

2019-12-20

Closed with explanation

No

2016-03-01

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

On XXXX/XXXX/2016 I received a letter from XXXX XXXX , XXXX claiming that they were collecting on behalf of Pay Pal , Inc. for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my Pay Pal account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.

Paypal Holdings, Inc

VA

23220

Consent provided

Web

2016-03-01

Closed with non-monetary relief

Yes

No

2022-11-01

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 the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. States I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse items of information, other than record of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681 s-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.

EQUIFAX, INC.

GA

30331

Consent provided

Web

2022-11-01

Closed with explanation

Yes

2022-01-14

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

I am submitting this complaint because I am being extremely affected by CREDIT MANAGEMENT , LP, They are being completely unfair and I dont know how to get ahold on them but through this portal. This what happened : I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX in XXXX of XXXX where I was listed as the account holder with XXXX XXXX XXXX After moving they generated a final bill which was never relayed to me. Although we moved to our new home of XXXX XXXX XXXX, XXXX XXXX CA and started XXXX transferred our XXXX service to that address., XXXX XXXX XXXX never transferred our old bill to our account for payment which resulted in us not knowing we had an open balance showing Final bill was not sent. Last year the person who lives at our old house sent me some old XXXX bills, this is how I found out that there was an outstanding bill. In XX/XX/XXXX he called XXXX to setup payment plan. He paid {$400.00} in XXXX, I was led to believe they would take out the monthly payment automatically in an installment plan but I later found they failed to do so. And the collection company didnt send me any notices eithe Account information. : Date Assigned XX/XX/XXXX Original Balance : {$930.00} Responsibility : Individual Solution : Deletion account from all credit bureaus and waive the balance.

Company believes it acted appropriately as authorized by contract or law

The CMI Group, Inc.

CA

94903

Consent provided

Web

2022-01-14

Closed with non-monetary relief

Yes

2020-10-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. -- REAL ESTATE LOAN 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. -- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91768

Consent provided

Web

2020-10-14

Closed with explanation

Yes

2023-04-18

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

EQUIFAX is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EQUIFAX to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EQUIFAX has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number : XXXX. XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX of the XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EQUIFAX is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT.

EQUIFAX, INC.

TX

75089

Consent provided

Web

2023-04-18

Closed with explanation

Yes

2022-12-07

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MS

395XX

Consent provided

Web

2022-12-07

Closed with non-monetary relief

Yes

2020-05-26

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

Credit reporting

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

Investigation took more than 30 days

I recently looked at my credit report and noticed some things that I believe to be wrong. I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

EQUIFAX, INC.

TX

75702

Consent provided

Web

2020-05-26

Closed with explanation

Yes

2021-03-09

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

Credit inquire does not belong to me

Consumer Portfolio Services, Inc.

MO

641XX

Consent provided

Web

2021-03-09

Closed with explanation

Yes

2020-08-14

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

Credit reporting

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

Investigation took more than 30 days

I saw discrepencies in my credit report and asked the credit bureaus to please remove the inaccurate items, nevertheless, it's been over 40 days and the items still havent been removed and I have not received any results from the investigation

EQUIFAX, INC.

AL

367XX

Consent provided

Web

2020-08-14

Closed with explanation

Yes

2023-06-26

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

Credit reporting

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

Their investigation did not fix an error on your report

I'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.

EQUIFAX, INC.

PA

171XX

Consent provided

Web

2023-06-26

Closed with non-monetary relief

Yes

2020-12-18

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

Credit reporting

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

Was not notified of investigation status or results

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

37042

Consent provided

Web

2020-12-18

Closed with explanation

Yes

2020-06-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX and Experian are both reporting incorrect information on my credit report. they are both reporting an account from XXXX XXXX, that does not belong to me. the address that they are reporting does not belong to nor have i ever lived there. i asked them to provide me with verifiable proof and they have not. they have not produced any documentation, no binding agreement contract, no signature that belongs to be. they have only produced an itemized bill, which proves nothing.

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

Experian Information Solutions Inc.

FL

33176

Consent provided

Web

2020-06-15

Closed with explanation

Yes

2021-05-11

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

Credit reporting

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

Their investigation did not fix an error on your report

I have requested that Porffolio Recovery Associates provide me with a copy of the original contract in reference to account number XXXX. Portfolio Recover Associates has repetitively sent copies of bills. Im requesting a contract stating that I owe Portfolio Recovery the actual said debt of {$780.00}. I have been receiving the alleged bills since around 2016.

PORTFOLIO RECOVERY ASSOCIATES INC

SC

298XX

Consent provided

Web

2021-05-11

Closed with explanation

Yes

2023-08-27

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

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

CORELOGIC INC

IN

46268

Consent provided

Web

2023-08-27

Closed with explanation

Yes

2023-02-21

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

Preface : I have had multiple Chase accounts for years in the form of Mortgages and Credit cards. Chase most certainly knows who and what I am and many of my financial habits, my credit score, etc. I had recently opened a Chase business checking account because XXXX XXXX XXXX had cut their hours at my branch. On XX/XX/2022, I made a remote online deposit for {$820.00}. The deposit was a rent payment from a tenant who has been using counter checks. People use counter checks when they don't have a checkbook. Chase bank did not communicate any problem to me at that time. A few days later, I went to my online account and found that my account was frozen. I called the designated number. The call was routed to an XXXX call center, I believe. The rep told me that the check was deposited more than once, as shown on her screen. I said that was not true. She told me the bank 's policy was that I had to prove it, and that my newly opened account would be closed in 10 days if I didn't. I also took this problem to the persons working in my local branch. They also saw something on their computer screens, and also told me that the check had been deposited more than once. I again said that was not true. They said that it was true. I asked what are the details of this other deposit. They said they did not have that information. They closed my account that very day. A week or so later, I received a check for the amount in the account, minus the {$820.00}. I have continued to try and do not accept that they are keeping my money. Now here are the facts of this Chase-made fiasco. I received a counter check just like I had been receiving ( and depositing in another bank ) for a year. I deposited the check one time only. The check did not bounce, it was honored by XXXX XXXX which is the issuer. Neither XXXX XXXX not my tenant is aware of any irregularities. I have been accused, convicted, and punished by an incorrect computer. Neither the computer nor any person can tell me what they think has happened wrong. The only human intervention has been to enforce whatever the computer indicated. So Chase bank has this computer problem, and a policy of no human being checking on the computer. Either that or there is some intentional act by them. I was told be Chase, several times, that I had to prove that there was no other transaction. This in itself is very problematic : How to prove a negative? -- If someone is making an accusation, the least they can do is show the evidence. A false message on a screen is not evidence. I actually have gone to XXXX XXXX, and have verified that there is not problem. The man there told me that he did not see any problem. I asked him if I could get a note from him saying that there was no problem to show to Chase. He said no, because I was not the account holder. My tenant, the account holder has already been to XXXX XXXX at least twice in regards this matter. He has to walk a mile to get to the bank. I don't think that I should have to get my tenant to do any more just because Chase has a system error. Chase has told me to refer to a document I signed when the account was opened which said that deposits are subject to verification. I did not read the reams of paper created by squads of lawyers, and I am sure no one else does either. In any case, verification of that check came to Chase in the usual way, by electronic payment. There is and has been no problem, other than whatever is wrong with Chase bank. I find it infuriating that they are being so high handed and think they can lay out unreasonable terms for them to give me what is clearly mine.

JPMORGAN CHASE & CO.

NY

XXXXX

Older American

Consent provided

Web

2023-02-21

Closed with explanation

Yes

2020-12-17

Credit card or prepaid card

General-purpose prepaid card

Problem with a purchase or transfer

Card company isn't resolving a dispute about a purchase or transfer

On XXXX XXXX I paid {$100.00} for a XXXX with XXXX XXXX XXXX. Unfortunately it was not a XXXX, the dr did not even look at the area I wanted the XXXX XXXX done on, did not answer questions, this was not a XXXX. I sent an email with questions and concerns to XXXX of XXXX XXXX XXXX on XX/XX/2020. XXXX replied on XX/XX/2020 stating that they would issue me a full refund for {$100.00}, did not want to work with me on my XXXX. See her email below which I have attempted to share with US BANK for dispute claim : From : XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX < XXXX XXXX> Subject : Re : Additional questions XXXX, After speaking with Dr. XXXX and staff, I believe it would be mutually beneficial to terminate the physician/patient relationship between our office and yourself and that you locate a new physician for treatment. You may contact our front desk and we will issue you a full refund for the {$100.00} consult fee you paid to your original payment method. Sincerely, XXXX XXXX Manager XXXX XXXX XXXX ( XXXX ) XXXX I disputed the {$100.00} charge with US Bank on XX/XX/2020. US BANK issued {$100.00} provisionary credit and did not indicate that I would need to follow up with them, just explained that they would investigate dispute. On XX/XX/2020 US BANK to my surprise with no explanation reversed the {$100.00} provisionary credit. I called US BANK and spoke with a supervisor named XXXX who explained that I never provided completed form that they needed. I explained I never received any form to fill out. XXXX said he would send the form via US mail. I waited and the form never came. At this point on XX/XX/2020 I reached out to the dreaded XXXX at XXXX XXXX XXXX asking that she issue refund as promised because my dealings with US BANK were an awful runaround, dead end, nothing was being solved. XXXX said she would issue check if I removed negative review I posted about the XXXX XXXX XXXX. The check never came, she lied. I called US BANK again on XX/XX/2020 asking for the form, for ways to get my {$100.00} back and the rep told me my dispute had expired. I asked to speak with a supervisor and he said he would have one call me back. No one ever called. On XX/XX/2020 I called US BANK again asking for help with this dispute. I spoke with XXXX, a cardmember service rep and no resolution was provided, I am still owed {$100.00}, have not been given proper opportunity to provide proof that this dispute is valid.

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

U.S. BANCORP

CO

802XX

Consent provided

Web

2020-12-17

Closed with monetary relief

Yes

2021-01-08

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

Credit reporting

Incorrect information on your report

Account information incorrect

hello. My issue is the Company called XXXX XXXX reported wrong inaccuracies to all three Bureau 's and instead of the deleting it off of my credit report they did nothing at all. I contacted XXXX, Transunion, and also XXXX about this matter and asked for it to be removed due to inaccuracy have constantly tried to understand why is this still affecting my credit report when it has previously reported incorrect and inaccurate information. I am saddened by this matter and if you could assist me with this matter I would greatly appreciate you for it. enjoy the rest of your evening.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30224

Consent provided

Web

2021-01-08

Closed with explanation

Yes

2020-03-07

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

The billing address is incorrect on the billing statement I never stay at the address shown on the bill the account is not mines. I never received notice of any bill due for any service

Debt Recovery Solutions, LLC

FL

33311

Consent provided

Web

2020-03-07

Closed with explanation

Yes

2023-07-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

AS XX/XX/XXXX I HAVE NOTICE FRAUDULENT INQUIRES IT IS NOW XX/XX/XXXX THE 3 CREDIT BUREAS AND THE COMPANIES LOSTED BELOW TOOK MORE THAN 45 days to respond according to the " FAIR CARES ACT '' ALL COMPANIES INVOLVED ARE NOW VIOLATING THE LAW! REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY BEFORE I HAVE TO MAKE LAW SUIT!!!! Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type All Banks Contact info Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number By mail only ( tel : MAIL % XXXX ) XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXXXXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX ( XXXX ) CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11233

Consent provided

Web

2023-07-03

Closed with explanation

Yes

2021-08-18

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

National Credit Systems has been attempting to collect a debt from an apartment complex. The lease of that apartment complex was terminated due to the landlord 's failure to maintain the premises. Mold, algae, and water intrusion were not remediated after the landlord was served a 7 day notice on XXXX XXXX XXXX. After the 7 day notice expired, tenant served landlord with notice of termination of tenancy XX/XX/. After moving out, the landlord failed to send a notice of intention to impose claim to security deposit to the address listed on the termination letter. The landlord is withholding security deposit and attempting to collect early termination fees and rent for the month that the lease was terminated. I do not owe those debts because the landlord failed to provide a habitable premises under Florida Statutes. From FL statutes : Once tenant properly serves seven-day notice and the landlord fails to substantially resolve the issue within the seven-day time frame, the landlord is considered the party who breached the lease. At this point, the tenant can serve a second notice informing the landlord that the tenant wishes to terminate the lease and be sure to provide a move out date in such letter so the landlord knows when tenant is leaving. If the tenant properly gives the landlord a seven-day notice and terminates the lease in writing after the seven days expires, the tenant is not responsible for the 2-month early termination fee/liquidated damages. Please see and review FL statutes 83.49, 83.51, 83.56. A dispute was submitted to National Credit Systems on XX/XX/XXXX. The date is now XX/XX/XXXX and I have not received a decision from the dispute. I call National Credit Systems for information from the dispute and I am told that my account is in investigation status so they can not talk to me. This attempt to collect is a malicious attempt by the landlord to collect funds in which I do not owe. Photos of the property show mold and algae growth over several months after the office was notified. No significant effort was made to remediate the property. A 7 day notice was given and soon after notice to terminate. All paper work signed and dated by the property manager. XXXX XXXXXXXX will claim that the window was left open and resulted in mold growth. This simply is not true. This is an attempt by them to limit liability and shift blame to me. ( they wanted me to sign a non disclosure agreement when I left the property for the last time. ) I contacted XXXX XXXX on XX/XX/XXXX about the issue. I followed the guidance they gave me and the issue did not resolve. After contacting them several times after, nothing was resolved. I contacted an attorney and they provided guidance for me to find better living conditions. All of this was documented with daily photographs of the mold and recorded conversations with apartment management. The facts are this : I reached out for help, XXXX XXXX did not provide it so I served them with a notice to fix. They did not fix the issue, so I gave them a notice of termination. Now they are attempting to charge me for a contract they violated - as a result it was terminated in accordance with FL statutes. National Credit Systems continues to report the account to the credit bureaus and refuses to update the dispute in a timely manner. This is not fair to me - a debt I do not owe is being reported to the credit bureaus and wounding my credit history.

National Credit Systems,Inc.

FL

32117

Consent provided

Web

2021-08-18

Closed with explanation

Yes

2020-12-06

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

XXXX XXXX calls me AT LEAST once a week and threatens to sue me for my uncollected debt. They call and dont announce themselves just ask to verify my birthday and address in a very non-secure manner. Theyve used abusive and explicit language on the phone with me over the past 1 year and continue to call me although I do NOT have a sign contract or agreement with their company. Ive told them to leave me alone and they continually harass me. I need to leave me alone so I can have some peace of mind. Theyve also assigned my minor account over to an attorney over our disagreement but once again I DO NOT have an agreement or contract with Portfolio Recovery so I have no idea why theyre calling me harassing me trying to collect money that isnt owed to them. When they bought my debt from Capital One it became their problem, not my problem anymore.

CAPITAL ONE FINANCIAL CORPORATION

NV

89031

Servicemember

Consent provided

Web

2020-12-06

Closed with explanation

Yes

2023-01-01

Student loan

Federal student loan servicing

Improper use of your report

Reporting company used your report improperly

In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. Under 15 USC 1681 SECTION 602 states that I have the right to privacy. 15 USC 1681 604A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on an account open end consumer credit plan as late for any purpose.

Maximus Education, LLC dba Aidvantage

AZ

85044

Consent provided

Web

2023-01-05

Closed with explanation

Yes

2023-07-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance {$68000.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX.

EQUIFAX, INC.

TX

76063

Consent provided

Web

2023-07-28

Closed with non-monetary relief

Yes

2021-04-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/2020, Jefferson Capital System add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

CL Holdings LLC

GA

30093

Consent provided

Web

2021-04-06

Closed with non-monetary relief

Yes

2023-09-01

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

N Accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX has violated my rights 15 US C 1681 section 602a states i have the right to privacy.15US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instruction.

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

SYNCHRONY FINANCIAL

MI

48066

Consent provided

Web

2023-09-01

Closed with explanation

Yes

2022-08-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.

EQUIFAX, INC.

IN

46254

Consent provided

Web

2022-08-19

Closed with explanation

Yes

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 is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX Balance {$660.00} XXXX XXXX Balance {$160.00} XXXX XXXX Balance {$70.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

EQUIFAX, INC.

NC

28214

Consent provided

Web

2023-04-17

Closed with explanation

Yes

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

Was not notified of investigation status or results

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.

EQUIFAX, INC.

HI

967XX

Consent provided

Web

2022-05-05

Closed with explanation

Yes

2023-09-28

Credit reporting 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, this creditor has violated my rights under 15USC1681 SEC 602 states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B, a creditor may not treat a payment late on an open credit card account. XX/XX/2019 late fees were attached.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

XXXXX

Consent provided

Web

2023-09-28

Closed with explanation

Yes

2023-06-27

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 Agency Act XXXX, XXXX XXXX XXXX XXXX : XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end customer credit plan as late for any purpose.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

701XX

Consent provided

Web

2023-06-27

Closed with non-monetary relief

Yes

2019-10-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am filing this report because today XX/XX/19 I found out that my personal information was used to open several accounts without my authorization. I have no idea who stole my information or how he/she got a hold of it but I have already filed a police report regarding these unauthorized accounts. I did not participate in any purchases, transactions or payments towards any of these accounts nor did I benefit anything from them being open in my name. I have no relationship with any of the companies I have listed and I never gave them permission to run or access my credit report nor personal information.

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

Experian Information Solutions Inc.

CA

94538

Consent provided

Web

2019-10-02

Closed with non-monetary relief

Yes

2017-12-20

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Yes I got an alert from XXXX XXXX saying I had some hard inquiries recently. The two I do not recognize or did not give consent were both on XXXX XXXX, 2017 from XXXX and XXXX. I 'm not sure where they came from or how they obtained my information. I did not authorize them to access my credit report.

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

CORELOGIC INC

NM

88030

Consent provided

Web

2017-12-20

Closed with explanation

Yes

2022-12-14

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

Credit reporting

Incorrect information on your report

Account status incorrect

My Credit Report is inaccurate With multiple attempts to fix the inaccurate accounts listed below - XXXX XXXX XXXXXXXX XXXX XXXX Collection Status showing Active Open account inaccurate data - XXXX XXXXXXXX XXXX XXXXXXXX Show account balance on a closed write off account inaccurate

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60107

Consent provided

Web

2022-12-14

Closed with non-monetary relief

Yes

2022-01-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. XXXX XXXX {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards, XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30318

Consent provided

Web

2022-01-10

Closed with non-monetary relief

Yes

2023-03-12

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 following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These items must be DELETED immediately and a rapid re-score is requested.

EQUIFAX, INC.

CA

93706

Consent provided

Web

2023-03-12

Closed with explanation

Yes

2023-01-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In 2022 Credit Karma said I was pre-approved for multiple credit cards that I was not approved for therefor causing negative impacts to my credit score.

Credit Karma, LLC

TN

385XX

Consent provided

Web

2023-01-26

Closed with explanation

Yes

2021-07-28

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

You never received your bill or did not know a payment was due

I entered into a consumer credit transaction with First Progress a few months ago .They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with First Progress using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with First Progress. I am not for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with First Progress. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. First Progress ran my " credit '' received the credit and they want me to pay something back.

Synovus Bank

PA

19136

Consent provided

Web

2021-08-11

Closed with explanation

Yes

2018-08-19

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

Hi, There was a fraudulent transaction on my Bank of America travel rewards credit card for {$180.00} by a merchant with name of " XXXX XXXX XXXX '' on XX/XX/XXXX. I was in XXXX at that time, but i went nowhere near the XXXX XXXXXXXX XXXX or stayed there. So this was obviously a fraudulent transaction. Upon noticing the charge, I contacted XXXX XXXX XXXX and asked about this charge. I got written confirmation from the hotel that they never made this charge and don't recognize it. They also confirmed that they never have a reservation under my name. Since this was obviously a fraud case, i filed chargeback with Bank Of America. After investigating for a month Bank of America ruled against me quoting that " either signature or pin was used in the charge, so it is not fraud ''. There is no pin on the credit card and I am sure I never signed anything. Bank of America did not even contact me as part of the investigation. Upon receiving this decision, i contacted Bank of America and reopened the dispute. Again they started investigation, but after a week of not even a single contact with me, they again ruled against me saying that they stay with their original decision. I felt very cheated. If Bank of America is investigating a fraud, why is that they are not even contacting the customer to see what evidence I have. Plus saying that either a pin or signature was used, which could easily be investigated and found to be false, is clearly a measure taken by the bank to descredit the customer and save themselves the hazzle of recovering this money or writing it off. Big banks like this should not be allowed treat customers like dogs. They should be held accountable to their policies of protecting their customer from fraud.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

94566

Consent provided

Web

2018-08-19

Closed with explanation

Yes

2023-06-16

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

Credit reporting

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

Was not notified of investigation status or results

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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

EQUIFAX, INC.

TX

777XX

Consent provided

Web

2023-06-16

Closed with explanation

Yes

2020-11-22

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

Credit reporting

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

Their investigation did not fix an error on your report

I closed an account with XXXX XXXX back in XXXX. When getting ready to return all the equipment, I inquired about equipment that they had mounted/attached to the floor joists downstairs. The representative told me that I didn't have to return it as that equipment is no longer used with the upgraded technology. On XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX : # XXXX. I called them and told them I couldn't owe XXXX anything because my account is on automatic withdrawal from my checking account and has been that way for two years. I then called XXXX and inquired about the collection. Finally after further investigation I found out it was for a modem that was attached in the basement. On XX/XX/XXXX, I returned that equipment to XXXX Receipt # XXXX filed a resolution document with XXXX XXXX and provided all the information to them on the return. On XX/XX/XXXX, I contacted the credit bureaus and disputed the collection since it hadn't been removed. XXXX removed the collection. XXXX and Transunion have not. I think I provided enough information and justification to have this removed.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

63376

Consent provided

Web

2020-11-22

Closed with explanation

Yes

2019-08-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap .. XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX/XXXX ( reported twice and this one is reported for collection which is definitely false ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF ED/XXXX ( account reported as closed Chapter XXXX bankruptcy - this is incorrect, XXXX account is in deferment and not for bankruptcy because I did not file this for bankruptcy, and account reported 10 times ), XXXX XXXX XXXX I ( ORIG CREDITOR : XXXX UNIVERSITY ), XXXX XXXX, XXXX/XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX )

EQUIFAX, INC.

GA

308XX

Consent provided

Web

2019-08-01

Closed with explanation

Yes

2021-12-30

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

I have contacted Amazon Store Card / Synchrony Bank regarding multiple returns that I sent back and received confirmation of those returns via email to XXXX on Friday XX/XX/2021 and yet my Store card is not refunded. So they have the merchandise, acknowledged the returns but wont credit my credit card and are collecting interest. This is criminal. Called today and the response is typical, it can take a week or more .... huh?? I dont thing so, and if I open a dispute it can take 90 days so its like a threat not to open a dispute.

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

SYNCHRONY FINANCIAL

IN

470XX

Consent provided

Web

2021-12-30

Closed with explanation

Yes

2022-10-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93722

Consent provided

Web

2022-10-15

Closed with non-monetary relief

Yes

2021-04-09

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On XX/XX/21, {$14000.00} was deposited to my account electronically direct deposit by a company I am doing business with. On XX/XX/21, I withdrew {$13000.00}. On XX/XX/21, I received an alert that my account was overdrawn. I logged into my account and it showed that the deposit on XX/XX/21 was attempted to be reversed. On XX/XX/21, I contacted the agent of the company that placed the {$14000.00} deposit. On XX/XX/21, the agent responded back and said that he would straighten out every thing. The same day I received an alert that my account had a positive balance. I attempted to make a purchase with my debit card and it was declined for insufficient funds. I logged into the account to verify this. I contacted the bank by phone and was told that my account is frozen. I have called the bank several times and have been told it is still frozen but the bank refuses to tell me why. On XX/XX/21, I went to the XXXX XXXX, Colorado branch and the bank officer called the person who put the freeze on my account, but that person refused to tell him the reason for the freeze. It was confirmed to me that the company who deposited the money on XX/XX/21, has NOT since XX/XX/21, attempted a second recall of the XX/XX/21 deposit. I logged into my account today and it shows an available balance of {$2500.00}, but my account is still frozen.

JPMORGAN CHASE & CO.

NV

XXXXX

Servicemember

Consent provided

Web

2021-04-09

Closed with explanation

Yes

2018-08-10

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

Back in 2017, I was the victim of an auto theft in which my wallet was taken. I filed a police report about the matter and continued on with my life after walking away from the incident safe. Early this year I started noticing random accounts appear on my credit that I did not authorize nor did I apply for these fraudulent accounts. Some of my very important personal information was inside of the wallet and I have reason to believe that my social security number may have been compromised.

CAPITAL ONE FINANCIAL CORPORATION

GA

30012

Consent provided

Web

2018-08-10

Closed with non-monetary relief

Yes

2023-08-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

This is my complaint about AMEX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions

AMERICAN EXPRESS COMPANY

CA

94115

Consent provided

Web

2023-08-17

Closed with explanation

Yes

2023-04-09

Credit card or prepaid card

Store credit card

Incorrect information on your report

Public record information inaccurate

We have a Gap store card for years and has been on auto pay. Last year Gap moved the account from XXXX ( i think ) to Barclays. The account transfer was bungled such that we could not create a new login at Barclays to check account balances. In the meantime we used the card. In XX/XX/2022, we called on the phone and made all the payments and made balance XXXX. Somehow they charged us {$2.00} minimum fee and we never got any letter for it and we never used the card for next few months. In the meantime, that {$2.00} had a {$30.00} and {$40.00} late fees tagged on. We called and sorted it out with Barclays. But they reported us for " late payment '' to credit bureaus which adversely affected our credit while this was no fault of ours. We currently have a credit balance with Barclays gap card ( they owe us money. ) We called them to resolve the credit reporting matter but they do not have a phone number or an email to communicate with their credit reporting dept. Only help we're looking for it to fix the incorrect reporting to the credit dept.

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

BARCLAYS BANK DELAWARE

TX

78665

Consent provided

Web

2023-04-09

Closed with explanation

Yes

2022-02-04

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

On XX/XX/2022, at XXXX am, I consumer XXXX XXXX, contacted NAVY FEDERAL to obtain the form so I may exercise my right to rescind. XXXX, a supervisor at NAVY FEDERAL, whom failed to provide his employee id, failed to provide me with the form, in accordance with regulations of the Bureau. Pursuant to 15 USC 1635, it states we have the right of recession in the case of ANY consumer credit transaction.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

GA

30909

Consent provided

Web

2022-02-04

Closed with explanation

Yes

2019-11-08

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

THIS COMPLAINT IS IN REGARD TO A CREDIT INQUIRY EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST THE CREDITOR TD BANK XXXX XXXX THAT IS FURNISHING THIS OUTDATED INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to XXXX or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). TD BANK XXXX XXXX is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that TD BANK XXXX XXXX is the one responsible for removing this information from my credit report. As it currently stands XXXX nor TD BANK XXXX XXXX has not validated or verified the accuracy of this inquiry. They also failed to remove the inquiry from my credit report after the two year statute of limitation. The following outdated inquiries are being furnished by TD BANK XXXX XXXX and are being reported by XXXX. Inquiry Entry Date Legal Removal Date Inquiry listed as XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX As of XX/XX/XXXX these inquires are still being reported.

TD BANK US HOLDING COMPANY

TX

76039

Servicemember

Consent provided

Web

2019-11-08

Closed with non-monetary relief

Yes

2023-04-20

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 rights to privacy, confidentiality, and my rights of being a victim of identity theft under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : 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. 1681 Section 623 ( a ) ( 6 ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information, 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. XXXX XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

NY

11787

Consent provided

Web

2023-04-20

Closed with explanation

Yes

2023-02-03

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On XX/XX/23, early morning, I activated my EDD card of my account in Bank of America sothat I would go to the bank and withdraw my money that day. By XXXX I was in the bank and when I tried to with draw the money, the teller told me that someone had already with drew {$5000.00} from my account that very morning in XXXX transactions ; XXXX {$4500.00} and later {$500.00}, and my card had also been blocked. Immediately, i called bank of America to ask them about who had withdrawn my money and what I needed to do next. They told me that a claim has been put in for my stolen money and that I should give them XXXXdays to work on it. At that time my account was only remaining with {$2900.00}, so I asked them whether I should with draw that balance that very day and they told me that I should wait to receive a new card because the one I had, had been blocked. In XXXXweeks, I called the bank again to know about my claim, the person I talked to said she couldn't tell me anything about my claim unless I go and call them again when am inside the bank. When I asked her why i had to call from the bank, she told me that because the bank has to request XXXX IDs from me to be sure am the real owner of the account I was calling about. The next day I went to the bank with my XXXX IDs and called again. They just told me to wait until XXXX days. Surprisingly, on XX/XX/2023 they sent me a letter, stating that their research confirmed it was me who authorized the withdraw of the {$5000.00} from my account and for that reason, they denied my claim. Its on that note that I write my claim here, seeking for justice of my {$5000.00} that was stolen from my account in Bank of America.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

91401

Consent provided

Web

2023-02-03

Closed with monetary relief

Yes

2019-08-13

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

Several inquiries that I never authorized on my consumer credit report.

EQUIFAX, INC.

IL

60188

Consent provided

Web

2019-08-13

Closed with explanation

Yes

2023-06-23

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with XXXX to make the correction, they said they would correct it but did not.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32570

Consent provided

Web

2023-06-23

Closed with non-monetary relief

Yes

2022-01-28

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

Other personal consumer report

Incorrect information on your report

Personal information incorrect

Phone number is my old phone number. And my address needs to be updated.

Checkr, Inc

CO

XXXXX

Consent provided

Web

2022-01-28

Closed with explanation

Yes

2023-03-10

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

Credit reporting

Incorrect information on your report

Account status incorrect

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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

Experian Information Solutions Inc.

NC

28083

Consent provided

Web

2023-03-10

Closed with explanation

Yes

2021-08-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called XXXX or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. The bureaus so far have refused to delete it which I have no idea why. I also got a response from XXXX with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue everyone involved.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

89145

Consent provided

Web

2021-08-20

Closed with explanation

Yes

2021-12-01

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

Credit reporting

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

Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this XXXX complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. ( XXXX XXXX XXXX )

EQUIFAX, INC.

NV

89148

Consent provided

Web

2021-12-01

Closed with explanation

Yes

2023-05-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60652

Consent provided

Web

2023-05-29

Closed with non-monetary relief

Yes

2023-05-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX : # XXXX 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.

TX

760XX

Consent provided

Web

2023-05-12

Closed with explanation

Yes

2022-04-07

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

XXXX - LENDING TREE every week for the last month - XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 has attempted to review my credit history. I NEVER CONTACTED THEM NOR HAVE ANY CONTRACT WITH THEM TO PULL MY CREDIT REPORT. Lending Tree is committing fraud by pulling credit information randomly picking names without any approval from the consumer. Please force cease and desist order. Thank you.

Home Loan Center, Inc.

AK

995XX

Consent provided

Web

2022-04-07

Closed with explanation

Yes

2021-05-27

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 disputed my XXXX XXXX XXXX XXXX charged off balance of {$13000.00} with all three credit reporting agencies ( XXXX, Equifax, and XXXX XXXX XXXX that this debt was forgiven. I included a 1099C form confirming this status and the credit reporting agencies did not update the status that this debt has a {$0.00} balance, and forgiven. I am requesting that you investigate the lack of investigation from the credit reporting agencies due to this dispute so that they do their job accurately.

EQUIFAX, INC.

NC

28112

Consent provided

Web

2021-05-27

Closed with explanation

Yes

2018-06-29

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that XXXX XXXX is reporting not them, but when ask XXXX XXXX tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is XXXX XXXX reporting late payments to the bureau and I have paid my balance with XXXX XXXX.

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

Experian Information Solutions Inc.

TX

77545

Consent provided

Web

2018-06-29

Closed with explanation

Yes

2017-07-17

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

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

I filed for bankruptcy from XXXX to XXXX . The credit card XXXX through XXXX XXXX was placed in the chapter XXXX bankruptcy. I sent full payment of XXXX to the bank and a check was returned to me stating due the account is in bankruptcy, they could not accept any payments. The bankruptcy was dismiss XX/XX/XXXX and they continue to report that my account was late during the time it was in bankruptcy. The account should have reflected never late because it was in bankruptcy. <P/> I contacted XXXX XXXX several times to resolve the issue but I keep getting bounce to the bankruptcy department and back to customer service.

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

Experian Information Solutions Inc.

FL

33909

Servicemember

Consent provided

Web

2017-07-17

Closed with non-monetary relief

Yes

2023-02-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30075

Consent provided

Web

2023-02-10

Closed with non-monetary relief

Yes

2023-08-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; 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

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

Experian Information Solutions Inc.

CA

91344

Consent provided

Web

2023-08-04

Closed with explanation

Yes

2023-03-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I I recently just found out that I have two student loans reports on my credit and I have never been to school. I got a student loan before.

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

Experian Information Solutions Inc.

CA

93308

Consent provided

Web

2023-03-19

Closed with explanation

Yes

2019-08-21

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/2018, XXXX XXXX of XXXX XXXX was given an invitation to bid on electrical work to be preformed at my residence. XXXX XXXX was provided a copy of electrical plans that I have also attached. The same plans are also referenced in several places on the contract dated XX/XX/2018 with the language *per plans. This is XXXX XXXX acknowledgement of receipt of said plans and understanding that work was to be completed in accordance to plans as well as terms of our contract. The plans provided to XXXX XXXX state very clearly in writing that all work is to be performed in full compliance with all, city , county, state, and national codes. Texas law also requires that any electrician performing work will do so in compliance with all applicable codes. There is NO language on the contract that releases Texas XXXX XXXX XXXX of this requirement, and referencing the plans on the contract in writing further reinforces contractors responsibility for meeting this requirement. I am also adamantly refuting the possibility of XXXX XXXX releasing himself of this obligation verbally or otherwise as he has stated in his supporting documentation. XXXX XXXX did not complete any of the contracted work in a compliant manner, defrauded me out of {$4000.00} including {$420.00} of which was charged on my Citibank XXXX. I reached out to Citibank to dispute the charge and they denied my claim. Citibank has chosen to side with a fraudulent merchant who has violated Texas state law rather than grant me proper protection under the Fair Credit Billing Act. Also attached to my complaint is the result of the investigation performed by the Texas Department of Licensing and Regulation in which they made the determination that XXXX XXXX was in violation of Texas statue as it relates to work on my property. Why has Citibank taken it upon themselves to make a different determination and violate my rights in the process?

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

CITIBANK, N.A.

TX

75069

Consent provided

Web

2019-08-21

Closed with explanation

Yes

2022-08-02

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

My name is XXXX XXXX XXXX I am sending this to request my full credit file. Including ( sources, report recipients, and summary of rights ).

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

Experian Information Solutions Inc.

FL

33027

Consent provided

Web

2022-08-02

Closed with non-monetary relief

Yes

2021-11-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I did not authorize Capital One Auto to access my credit file or solicit any finance offer to me in 2021. Capital One Auto has used my credit report and gotten access to my credit file without my permission. My credit was frozen. I did not file any application with Capital One Auto. I received a phone call from Capital One Auto soliciting asking me if I wanted to get a loan with them for another vehicle and i declined their offer. I did not authorize XXXX to access my credit file. I did not authorize XXXX XXXX XXXX to pull my credit file. I have never applied for anything with these companies.

CAPITAL ONE FINANCIAL CORPORATION

TX

78665

Consent provided

Web

2021-11-04

Closed with explanation

Yes

2021-01-26

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

I've tried to dispute the Child Support on my Credit report and I have a letter stating when the account was open and last payment made. The information on my credit report is all wrong. No dates are correct or payments made. The account is too old to be on my credit report and fake payments, and open dates are being showed. I sent in proof as well as contacted Child Support and I am not getting the right answers. Child Support is saying they did not send in the information to the credit reporting agencies. The Credit Reporting Agencies are saying they did. I am not getting the right information and its not being removed. I sent in all the correct information and 2 of the reporting credit agencies have corrected it. Transunion has not, and while I was trying to explain that this will be my 3rd dispute the agent hung up on me. I called back and talked to as Supervisor who said she can play back the conversation and will get back to me, she never did. I need help it is stopping me to obtain a place to live.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

85210

Servicemember

Consent provided

Web

2021-01-26

Closed with explanation

Yes

2022-04-06

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

Credit reporting

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

Their investigation did not fix an error on your report

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

EQUIFAX, INC.

WI

53218

Consent provided

Web

2022-04-06

Closed with explanation

Yes

2023-04-04

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

Credit reporting

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

Was not notified of investigation status or results

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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

Experian Information Solutions Inc.

FL

32808

Consent provided

Web

2023-04-04

Closed with explanation

Yes

2017-05-18

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt is not yours

Received call from " XXXX XXXX '' claiming I owe a debt to some payday loan company. I do NOT. I owe ANY payday loans. <P/> They threatened to take " legal action '' if I did n't call. I did to listen to their lies -and they claimed a payday loan company named " XXXX XXXX '' was their client. <P/> ALL completely fake and a complete scam. While they did have my 1st and last name and my last 4 digits of my SS # - they clearly bought this information and are attempting to strong arm me into paying a ransom. Illegal under Federal and State criminal laws. <P/> The BBB has them marked an F and a known scam in NY -- > XXXX XXXX XXXX XXXX XXXX XXXX I demand they stop contacting me and purge all information they have in their system on me purged - immediately. <P/> This company must be shut down immediately to prevent further ID theft of others.

Worldwide Processing Group, LLC

TN

38464

Consent provided

Web

2017-07-06

Closed with explanation

Yes