Datasets:

aciborowska

/

customers-complaints

like 1

2020-09-06

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have called and written Equifax several times regarding the inquires on my credit profile which are : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have no open accounts with these companies and Equifax refuse to updated this inaccurate information on my credit profile.

EQUIFAX, INC.

TX

78218

Consent provided

Web

2020-09-06

Closed with explanation

Yes

2021-01-22

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

Credit reporting

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

Investigation took more than 30 days

On XX/XX/XXXX, XXXX XXXX reported to XXXX XXXX and Transition information from XXXX as if it were XXXX, resulting in a Derogatory remark on the credit report. The consumer attempted multiple times to have the problem rectified, only to receive multiple notifications that XXXX XXXX " adequately reported information to the credit bureaus, and the investigation was complete. '' I submitted multiple requests as to why information from XXXX was re-reported on XX/XX/XXXX, and no one at XXXX could indicate why the Derogatory remark was added to the account, but each time I called in, it was indicated that the account was not Derogatory and that it was in good standing and has been in good standing since XX/XX/XXXX. As such, although the account has been in good standing since XX/XX/XXXX, it is currently being reported as Derogatory. The consumer reached out to the credit bureaus, and was told it was a problem with the lender, and the lender indicated it was a problem with the credit bureaus. My credit score dropped almost XXXX points as a result, and I was in the process of purchasing a home and was no longer eligible due to the error on my credit report. My livelihood has been greatly affected, and I am unable to purchase anything as a result.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

190XX

Consent provided

Web

2021-01-22

Closed with explanation

Yes

2023-10-04

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} 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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10473

Consent provided

Web

2023-10-04

Closed with non-monetary relief

Yes

2023-02-22

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials. ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments. Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.

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

Experian Information Solutions Inc.

FL

33614

Servicemember

Consent provided

Web

2023-02-22

Closed with non-monetary relief

Yes

2022-09-05

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

Credit reporting

Incorrect information on your report

Account status incorrect

Dear Sir or Madame, I have made multiple complaints with experian and both XXXX to report a company called credit acceptance reporting incorrect fraudulent information on my credit report For the last six years credit acceptance has been reporting inaccurate to the credit bureaus. Which has affected my credit. XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. Experian and XXXX are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. This has really impacted me to use my VA benefits.

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

Experian Information Solutions Inc.

LA

705XX

Servicemember

Consent provided

Web

2022-09-05

Closed with explanation

Yes

2023-03-15

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. I did not knowingly obtained or should have known that I obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. The identified transaction is not information related to any transaction by me as the consumer. The request to block information was based on factual misrepresentation and not on a material misrepresentation. Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 15 USC 1681 Section 602 A : 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 without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 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. Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Inaccurate Account Because it is Unknown, Inaccurate, Unverified Due to Confirmed Fraud, and Due to Negligently Violated 15 USC 1681c-2, 15 USC 6802, 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( e ), 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681i ( 5 ), 15 USC 1681g ( 2 ) ( E ) , and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

EQUIFAX, INC.

FL

322XX

Consent provided

Web

2023-03-15

Closed with explanation

Yes

2022-08-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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

Experian Information Solutions Inc.

VA

23220

Consent provided

Web

2022-08-31

Closed with non-monetary relief

Yes

2018-04-26

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

This debt has been resold again. The original debt was for creditor XXXX XXXX. I never owned this account. I have attached a police report and an Identity theft report from the federal trade commission. Please remove this from my credit file immediately. As this is a debt in which I do not owe.

Company believes it acted appropriately as authorized by contract or law

ERC

GA

31204

Consent provided

Web

2018-04-26

Closed with explanation

Yes

2018-01-03

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

Credit reporting

Incorrect information on your report

Account information incorrect

The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91344

Consent provided

Web

2018-01-03

Closed with explanation

Yes

2022-11-30

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

Credit reporting

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

Investigation took more than 30 days

After several attempts to communication with the company. The company has failed to produce documents to validate the information that is being distributed to banking companies upon request. This agency is reporting to companies and should housed this data per law, however in any case when the information can not be validated it should be deleted from the consumer profile.

Early Warning Services, LLC

TX

78109

Consent provided

Web

2022-11-30

Closed with explanation

Yes

2018-03-07

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

Credit reporting

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

Their investigation did not fix an error on your report

I have been unable to get any feedback for my verification request from the credit reporting agency or the original creditor. I have submitted letters, requesting full validation of this debt. I have tried disputing this account with the company and the Experian credit reporting agency. I have not received a full validation of this debt in any way.

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

Experian Information Solutions Inc.

GA

XXXXX

Consent provided

Web

2018-03-07

Closed with explanation

Yes

2023-04-14

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.

EQUIFAX, INC.

NJ

07430

Consent provided

Web

2023-04-14

Closed with explanation

Yes

2017-01-12

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt is not mine

I have advice Portfolio Recovery that I have never had a XXXX account and request that validation be provided showing proof of my signature, Portfolio Recovery ca n't provide the requested documentation.

PORTFOLIO RECOVERY ASSOCIATES INC

TN

38115

Consent provided

Web

2017-01-12

Closed with explanation

Yes

No

2023-05-25

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX 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.

EQUIFAX, INC.

PA

15216

Consent provided

Web

2023-05-25

Closed with non-monetary relief

Yes

2022-06-03

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I received a loan XX/XX/XXXX DISBURSEMENT {$16000.00} I made payments totaling ( {$18000.00} ) with the last payment being XX/XX/XXXX. None of the payments were applied property to the account. The loan was sold off. I stopped paying the loan and making payments after speaking with Navient as to how my payments were being applied. I had {$470.00} in late fees over the course of XXXX years. From the report on Navient 's site I see ( {$3200.00} ) in interest over the course of the loan. Very quickly the amount should be {$16000.00} - {$18000.00} in payments XXXX late fees XXXX in interest = {$1800.00} should be the total I have called and called during normal business hours and they phone # tells me to call back during normal business hours. It is a scam.

Navient Solutions, LLC.

NY

11040

Consent provided

Web

2022-06-03

Closed with explanation

Yes

2022-12-04

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

Ref : XXXX - Filed and Submitted to the CFPB on XX/XX/XXXX Starting in XX/XX/XXXX I requested the original loan paperwork from a new servicing company XXXX - this was after my loan was transferred from XXXX XXXX XXXX XXXX XXXX no payments were missed during this time and the payback period started as soon as the loan was disbursed. The company has not been able to provide the original loan information and is now listed loan as a variable rate. The account transfer was complete I started receiving monthly interest rate increase notices on a monthly basis, the letter mentions the interest rate increase is effective the day the letter was issued. When asked for the payment history company said that they have not been able to locate the payment history or paper work from the previous provider. FROM XXXX - XXXX XXXX XXXX On the Last Day the Complaint was Open - XXXX was XXXX to obtain the information from the loan owner because the documents are unavailable. We sincerely apologize for the inconvenience experienced as a result of the matter. Lastly, as a result of late payments, unfavorable information was submitted to the consumer reporting agencies for XX/XX/XXXX through XX/XX/XXXX. FROM XXXX - XXXX Dated XX/XX/XXXX ( Only Letter Received About Any Debt ) An attempt to change the loans XXXX rate to 0 % backdated to XX/XX/XXXX, in order to collect debt but no amount or other information is provided... The Letter States - " This letter is for Information Purpurposes and it not an attempt to collect '' At the bottom of the letter : " This is a communication from XXXX XXXX XXXX, XXXX with may be considered a debt collector. "

EQUIFAX, INC.

CA

XXXXX

Consent provided

Web

2022-12-04

Closed with explanation

Yes

2017-06-08

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

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

I.C. System, Inc.

TX

77088

Consent provided

Web

2017-06-08

Closed with explanation

Yes

2023-04-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

EQUIFAX, INC.

GA

30019

Consent provided

Web

2023-04-19

Closed with explanation

Yes

2016-08-11

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt was paid

We revieved a statment from XXXX on XXXX/XXXX/2016 and paid it on XXXX/XXXX/16. BUREAU OF MED ECONOMICS Reported us to the Credit Bureau without ever contacting us

Company believes complaint caused principally by actions of third party outside the control or direction of the company

Medical Society Business Services, Inc.

AZ

85023

Consent provided

Web

2016-09-14

Closed with non-monetary relief

Yes

No

2022-04-30

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

Credit reporting

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

Investigation took more than 30 days

I XXXX XXXX XXXX under the penalty of perjury, affirm and attest that all after mentioned statements are true. On XX/XX/2022 I noticed after viewing all three of my credit reports from XXXX, XXXX, and XXXX that XXXX was and currently as of XX/XX/2022 still is reporting inaccurate and fraudulent information to my credit file on behalf of deceptive corporations and XXXX party thieves. On XX/XX/2022 I filed an FTC identity theft report against XXXX, XXXX, XXXX, and multiple other thieves who are utilizing my credit file without permissible purpose lacking consent from me to furnish or report such inaccurate details about my personal, consumer, and credit information causing defamation to my character and hardship for me and my family. On XX/XX/2022 I sent XXXX multiple letters requesting debt validation, personal information amendments, and other credit related inquiries which they signed for and received via XXXX certified postal mail on XX/XX/2022. XXXX has blatantly disregarded my request thus continuing to further violate my federally protected rights as a consumer. It is now XX/XX/2022 and I still have not received any proof that investigation has even begun. I am demanding that XXXX no longer violates my federally protected rights by adhering to my written instructions that I have supplied them as of XX/XX/2022 through updating, deleting/removing, and remeding the many violations that are being reported on my XXXX credit report and file. Please find attached all evidence supporting my claim and make the accurate changes. I demand XXXX stop violating the FCRA and the FDCPA.

Company believes it acted appropriately as authorized by contract or law

MoneyLion Inc.

NJ

07104

Consent provided

Web

2022-04-30

Closed with explanation

Yes

2019-08-30

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

There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

TD BANK US HOLDING COMPANY

TX

76002

Consent provided

Web

2019-08-30

Closed with non-monetary relief

Yes

2016-09-16

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt was paid

Four months ago, Escallate Collections and I made an agreement to pay $ 30 monthly. And I have already paid {$130.00}. So, I wonder why this statement is still there. Thanks you.

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

ESCALLATE, LLC

NC

28215

Consent provided

Web

2016-10-19

Closed with explanation

Yes

No

2023-08-25

Credit card

General-purpose credit card or charge card

Problem with a company's investigation into an existing problem

Was not notified of investigation status or results

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

206XX

Consent provided

Web

2023-08-25

Closed with non-monetary relief

Yes

2023-01-25

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

Credit reporting

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

Their investigation did not fix an error on your report

On XXXX XXXX I sent a letter to collection agency XXXX XXXX XXXX. They received letter XX/XX/2022, which is stamped on the Certified receipt. I have attached Certified receipt. Requesting full validation of Account # XXXX. I have attached letter I sent over to them. They have violated my rights as a consumer, not once but twice! First they sent me itemized receipt of account listed on my credit reports, their itemized letter clearly says I have a balance due of {$290.00} but on my credit report it is showing a balance of {$320.00}, I have attached a photo of that account showing on my credit file. So they are reporting inaccurate information on my credit reports. Second Violation they never put a " notice of dispute '' after 30 days of receiving my dispute, As you can see on the photo I submitted nothing was ever put under the comment section, they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.

EQUIFAX, INC.

FL

34142

Consent provided

Web

2023-01-25

Closed with explanation

Yes

2021-09-22

Debt collection

Auto debt

Attempts to collect debt not owed

Debt is not yours

For the last 6 years I have asked this company to remove this from my credit as well as I have disputed with the agencies they are reporting as us auto credit and XXXX XXXX on my report when called and asked about the information on the account I sac told this is from a place called XXXX XXXX XXXX that is closed and does not have any information the original contract that was signed or documents the address they have for me I never even lived they have nothing they can provide me to help me investigate or for them to be reporting on my credit as a charge off as well as still reporting Late payments with the account being this old they are rude and will not assist me also they are reporting twice separately on my credit once as auto credit and once as us auto cr then I sent a complaint XXXX to the incorrect information asking for original contract with my signature etc also for them to remove the fact it shows up as two different accounts us auto credit and XXXX XXXX XXXX XXXX and still do neither

Company believes the complaint provided an opportunity to answer consumer's questions

U.S. Auto Credit Corporation

NC

28216

Consent provided

Web

2021-09-22

Closed with explanation

Yes

2020-08-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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

Experian Information Solutions Inc.

PA

19111

Consent provided

Web

2020-08-27

Closed with explanation

Yes

2017-08-17

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

Credit reporting

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

Their investigation did not fix an error on your report

I have made 2 disputes to Transunion and XXXX to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have a copy of the original document filed from the court house. There is only name and address, no date of birth and no full social security number ( it is retracted on all of their documents ). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21012

Consent provided

Web

2017-08-17

Closed with non-monetary relief

Yes

2023-05-09

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

There was an unauthorized charge on my checking account from XXXX XXXX XXXX in the amount of {$430.00}. This was for a bill that I already paid, XXXX XXXX XXXX charged my twice. I submitted my receipt to show them that and CHIME denied my dispute without providing any reason even after requested

Chime Financial Inc

ID

838XX

Servicemember

Consent provided

Web

2023-05-09

Closed with explanation

Yes

2018-11-02

Checking or savings account

Checking account

Closing an account

Can't close your account

I closed the account and recently found out they are sending statements to an OLD Address that was never on file. I closed the account ending in # XXXX which was also referenced in a past complaint with the CFPB. I just want the account closed as implied.

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

SUNTRUST BANKS, INC.

FL

331XX

Servicemember

Consent provided

Web

2018-11-02

Closed with explanation

Yes

2017-06-13

Debt collection

Credit card debt

Threatened to contact someone or share information improperly

Talked to a third-party about your debt

RE : W EINBERG MEDIATION GROUP LLC. Today, Tuesday, XXXX XXXX , 2017 , robocalls about my financial business went out to people loosely associated with me, but who know nothing about my finances. For example, several relatives and a friend of a friend received a collection call from this organization about me. When I called them and asked them to remove all numbers except mine from their account, they refused and claimed I had a credit card I owed money on. I do not recognize the bank named on this debt, and there has been suspicious information on my credit report in the past, so I am investigating. I will pay the debt if it is valid, but in the meantime this organization has done damage to my reputation, privacy, and dignity and deserves censure for their aggressive tactics.

Weinberg Mediation Group LLC

CO

80302

Consent provided

Web

2017-06-13

Closed with explanation

Yes

2020-10-24

Credit card or prepaid card

Government benefit card

Problem with a purchase or transfer

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

I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month. 2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD. 3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was 'fraudulent use ' of the card. No information about when these situations occurred.

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

U.S. BANCORP

PA

19382

Servicemember

Consent provided

Web

2020-10-26

Closed with explanation

Yes

2021-01-27

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

On XX/XX/2020, I sent a letter to all the credit bureaus with a certified letter asking to see any inaccuracies on this debt as well as how were the able to verify the debt with this collection agency. On XXXX XXXX, 2020, I sent a letter to Creditors Bureau Associates to verify a collection that reported on my credit report. I sent a letter requesting for them to send me an original debt from the actual company of an agreement that was made. On XXXX XXXX, 2020, I sent a follow up letter to see how they were able to verify the debt with this collection agency. Creditors Bureau Associates does not have an account number listed as well on all three bureaus.

Company believes it acted appropriately as authorized by contract or law

Creditors Bureau Associates

GA

30310

Consent provided

Web

2021-02-03

Closed with explanation

Yes

2021-04-02

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

705XX

Consent provided

Web

2021-04-02

Closed with explanation

Yes

2017-12-04

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I have my Federal student loans serviced through Navient, who requires an annual income recertification to remain in an income-based repayment plan. I resubmitted my documentation in XXXX, yet the lender allowed my plan to expire on XXXX XXXX, which tripled the payment. I contacted Navient, whose representative stated that " they did n't know why my certification was not processed, '' but they did offer to put a forbearance on the account for two months to give time for me to submit a new request to update my plan or reenter my old income based repayment. This will add thousands of dollars of additional interest to the principal. This also happened in XXXX, where I was led to pay {$1400.00} to settle the elevated payment so I could remain current and avoid disqualifying myself for the public sector loan forgiveness program.

Navient Solutions, LLC.

MI

49006

Servicemember

Consent provided

Web

2017-12-04

Closed with explanation

Yes

2018-05-03

Debt collection

Other debt

Communication tactics

You told them to stop contacting you, but they keep trying

I recently received a notification from the credit bureau of a collections account from XXXX XXXX XXXX reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate. I fear for my safety.

Company believes it acted appropriately as authorized by contract or law

ERC

GA

30318

Consent provided

Web

2018-05-03

Closed with explanation

Yes

2023-09-08

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

On XX/XX/23, I mailed a letter to the reporting agencies to remove names and addresses that I was never associated with. On XX/XX/23, I mailed out the same letter. As consumer I know my rights and would like a resolution.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

016XX

Consent provided

Web

2023-09-08

Closed with non-monetary relief

Yes

2020-03-04

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

Credit reporting

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

Problem with personal statement of dispute

I was disputing a Bankruptcy on my credit report that TransUnion verified as accurate. Confused by this I sent them a letter on XX/XX/2020 through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX and asked them for their method of verification.. On XX/XX/2020 I received a letter from TransUnion stating they were to verify that bankruptcy from my credit report by verifying it with the US Bankruptcy Court located at XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX.I took it upon myself to go to the Bankruptcy Court in person and ask them if they verified my info with TransUnion. They turned around and told me they did not, they all so typed out a letter for me stating that they didnt verify my info with the credit bureaus. After that i sent that letter to TransUnion through certified mail with the tracking numbers XXXX XXXX XXXX XXXX XXXX on XX/XX/2020 asking them to remove that Bankruptcy from my credit credit because it can not be properly verified. As of today XX/XX/2020 i have not gotten a reply from them.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11422

Consent provided

Web

2020-03-04

Closed with explanation

Yes

2021-08-05

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

On XX/XX/1202 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

EQUIFAX, INC.

GA

30265

Consent provided

Web

2021-08-05

Closed with explanation

Yes

2019-10-06

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

on XX/XX/2019 I was browsing on XXXX website to shop for a cell phone. They had a simulator which looked for financing options and potential payments. They wrote explicitly in writing, without any disclaimers to hard or soft inquiry, they wrote, doing this would not affect my credit score on XXXX-affecting both my trans union and XXXX scores equally However upon checking my credit score, it dropped a significant 40 points with no detail to how or why. On the same day I call XXXX and they said they would email me as they are escalating the issue. i have not received any such communication.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MN

55408

Consent provided

Web

2019-10-06

Closed with explanation

Yes

2020-02-26

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

National Credit Systems,Inc.

FL

XXXXX

Consent provided

Web

2020-02-26

Closed with explanation

Yes

2019-01-25

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

I spoke with XXXX XXXX customer support approximately XX/XX/XXXX inquiring about the account coming off the credit Reporting agencies. I was told by a young lady that it was set to be removed off XX/XX/XXXX, 5 years after the account closed. It is now XX/XX/XXXX I called to inquire what the hold up was, as credit cards from the same year are set to drop this year with it. After being transferred several times they explained it is up to the credit agency to remove such account not them and that there is nothing they can do at this point. They clearly dont know what is going on nor what they are doing because they havent reported anything since XX/XX/XXXX. They change there answers too frequently. I would like what was told to me to be upheld. Calls are recorded and I urge the company to go through all of my recorded phone calls over the last two years so that this can be corrected immediately. Secondly I tried to re open my account or a new one and the company wont even consider me based on my credit report but instead an internal file on me. That is no longer accurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10473

Consent provided

Web

2019-01-25

Closed with explanation

Yes

2017-08-16

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

At the time services were rendered I was notified by the nurse that I did not have a co-payment for urgent care services. After checking my insurance she indicated that she was unsure and if I was ok with at least paying {$50.00} to cover it just in case but that no other fees would be associated with this. I never received a letter or bill from the urgent care facility nor did I receive anything from the financial debt collector. I called and spoke to XXXX at Sequoia financial and asked why I was placed into collections he indicated what the debt was for but had no paperwork or any evidence to support the claim. I still have not received anything. We exchanged words and I told him how the admitting nurse told me the {$50.00} co-pay was supposed to cover my visit yet he still was not able to provide additional information. A month or 2 passes and I get a prank phone call to my house from the police station indicating that someone was being held up in my house at gun point being robbed and locked in a closet. This happened on XX/XX/XXXX. The police responded to my home and I could see and hear someone who sounded like XXXX across the street in a black SUV which indicates to me he made the false claim. The police were unable to trace the call back to the originator as it was a masked phone number made from a computer. Not sure why a collection employee would perform such acts however this is still on my report and all other credit agencies have removed it except for XXXX because Seqouia indicated it is a valid debt. I can not be held responsible for charges I did n't approve or tell them to bill me for. I paid my co-payment in full at the time services were rendered and then received an erroneous collection on my credit report.

Company believes it acted appropriately as authorized by contract or law

Sequoia Financial Services

CA

91744

Consent provided

Web

2017-11-21

Closed with explanation

Yes

2023-02-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$0.00}.

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

Experian Information Solutions Inc.

SC

29505

Consent provided

Web

2023-02-15

Closed with non-monetary relief

Yes

2023-03-16

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

Credit reporting

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

Investigation took more than 30 days

I sent out a letter to the credit companies to remove unauthorized inquires from my credit report 30 days ago, and still no response. I also sent out a demand to comply letter because they have yet to respond and not complying with their own policies in a timely manner.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

44134

Consent provided

Web

2023-03-16

Closed with explanation

Yes

2018-12-21

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I have been disputing an account on my credit file, and although multiple FCRA violations have been cleary committed, this file remains on my credit report. I have contacted Experian numerous times, by mail, email, online dispute but they continue to report this inaccurate unverifiable information on my credit report. I have reached out to the credit issuer many times, but with no response. I have created a XX/XX/XXXX case ( XXXX ) against them, and a CFPB case complaint XX/XX/XXXX-XX/XX/XXXX against them as well. I have called them and tried to contact them through email, each time I get no response. This is a clear violation of FCRA. I just recently submitted a complaint and in 30 seconds the system said complaint completed and no information was every updated. It look like an automated response. I understand that repeat static complaints are ignored, but each time I add relevant attachments of new information that the company has not responded or ignored. By law Experian has the obligation to throughly review and update my credit file upon request in a fair and accurate manner. They are ignoring my complaints. If you look at the file on my credit report, the status of this entry has not been updated since XX/XX/2013 ( see screen shot ). I am looking for Experian to remove this entry, the company account find my account and the information they are reporting is incorrect. I have spent several months trying to get this account removed. Experian is in violation of FCRA and I am looking to seek damages. Please remove this erroneous information from my credit file ASAP

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

Experian Information Solutions Inc.

GA

30238

Consent provided

Web

2018-12-21

Closed with explanation

Yes

2023-06-06

Checking or savings account

Savings account

Problem caused by your funds being low

Non-sufficient funds and associated fees

On XXXX XXXX there was a withdrawal of {$300.00} out of my account then on XXXX XXXX there was a withdrawal of {$600.00} out of my account I found this out while I was at work because I kept on getting notifications where someone had transferred some money from my checking to my savings and withdrawing it all out of my account I went to XXXX XXXX banks XXXX on XXXX XXXX and the other was on XXXX XXXX both in XXXX Tennessee and I didnt get the proper help that I needed claims came back denied and the fraud center had made it seem like it was me that had took money out of my account but I was at work when this happened. The fraud center told me there was nothing they could do about it.

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

U.S. BANCORP

TN

37064

Consent provided

Web

2023-06-06

Closed with explanation

Yes

2017-08-03

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

On XXXX XXXX , 2017 XXXX XXXX XXXX in XXXX GA submitted requests to multiple lenders who pulled my credit report. This created multiple Hard Inquires on my credit report driving my score down even further. I did not provide written nor verbal authorization for my credit to be investigated, in fact I was in NY at the time. My wife was shopping for a car at the time but she did not/can not authorization of my credit. I would like the dealer 's credit practices reviewed for compliance to FCRA.

EQUIFAX, INC.

GA

30040

Consent provided

Web

2017-08-03

Closed with explanation

Yes

2017-06-27

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Santander Consumer USA improperly performed an inquiry without my authorization.

Santander Consumer USA Holdings Inc.

MD

20910

Consent provided

Web

2017-06-28

Closed with explanation

Yes

2022-03-30

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

Credit reporting

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

Was not notified of investigation status or results

I contacted lexisnexis on XX/XX/XXXX asking how they verified the information that XXXX, XXXX and XXXX are saying they furnished them regarding the bankruptcy on my credit report. On XXXX they replied that the bankruptcy was accurate without providing me the information that I was asking for even though at the bottom of their letter they said it was my right to request the process on how they obtain and verify this information. They tried to make it like I was disputing the information when I simply asked for the process of verification. on XX/XX/XXXX they sent another letter saying they were going to dispute/remove the info from XXXX, XXXX, XXXX. Then on XX/XX/XXXX they sent another letter stating they can't give the results of the investigation because I didn't fully identify myself which can't be true or else they wouldn't have responded to me on XXXX. Therefore I followed up today with response demanding what I asked for on XX/XX/XXXX

LEXISNEXIS

NJ

08096

Consent provided

Web

2022-03-30

Closed with explanation

Yes

2020-04-07

Checking or savings account

Checking account

Closing an account

Company closed your account

unathorized use of my account wells fargo closed checking account and did no investigation. wells fargo does not make your account safe. after all the fraud and eligal use of persons info by fargo. i have filled suit against fargo along with 12 other account holders

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

WELLS FARGO & COMPANY

TX

754XX

Consent provided

Web

2020-04-07

Closed with explanation

Yes

2017-12-12

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

Credit reporting

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

Was not notified of investigation status or results

I did a dispute on XXXX XXXX to the credit reporting agency on the XXXX and I havent received any update or status on the account

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

758XX

Consent provided

Web

2017-12-12

Closed with explanation

Yes

2020-11-12

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

Credit reporting

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

Their investigation did not fix an error on your report

There is an account on my credit report for XXXX XXXX XXXX with account number XXXX that I sent a dispute to Experian to provide a full payment history because I believe the statute of limitations has expired. What they responded with was only history back from XXXX and the account was showing opened XX/XX/XXXX where are the remaining months, years etc?

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

Experian Information Solutions Inc.

FL

34683

Consent provided

Web

2020-11-12

Closed with explanation

Yes

2022-11-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of fraud. I have filed disputes with all 3 credit betrays and contacted the creditors listed below : XXXX ). XXXXXXXX XXXX Reference No : XXXX Original Account No : XXXX Original Creditor : XXXX XXXX XXXX Credit Balance : {$1200.00} XXXX ). XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$500.00}. XXXX ). XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}. XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX ). XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX ). XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. XXXX ). XXXXXXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX ). XXXX XXXXXXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00} XXXX ) XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$490.00}. XXXX ). XXXX XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX ). XXXX XXXX Installment sales contract with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX ). XXXX XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX ). XXXX XXXX XXXX XXXX loan XXXX opened on XX/XX/XXXX and a balance of {$400.00}. XXXX )XXXX XXXX XXXX Note loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. XXXX ). XXXXXXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$5200.00}. XXXX )XXXX XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. XXXX ). XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$470.00}. XXXX ). XXXX XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. XXXX ). Collection account from XXXX XXXXXXXX XXXX with account # XXXX and a balance of {$570.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. XXXX ). Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$450.00}. The original creditor is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ). XXXX XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$990.00}. XXXX ). Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$160.00}. The original creditor is XXXX XXXX XXXX XXXX ). Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$230.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX ). XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX ). XXXX account from XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX. XXXX ). XXXX account from XXXX XXXX with account # XXXX and a balance of {$14000.00}. The original creditor is XXXX XXXX XXXX.

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

Experian Information Solutions Inc.

NC

27455

Consent provided

Web

2022-11-11

Closed with explanation

Yes

2023-03-09

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

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$32000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. XXXX XXXX XXXX Balance : {$0.00} This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28270

Consent provided

Web

2023-03-09

Closed with non-monetary relief

Yes

2022-08-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. I, ( XXXX XXXX ) never gave ( XXXX, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, XXXX XXXX

EQUIFAX, INC.

MI

48180

Consent provided

Web

2022-08-11

Closed with explanation

Yes

2022-08-01

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX XXXX : I am a XXXX XXXX. I am unable to work due to my XXXX I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. Account # XXXX XXXX shows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

GA

30238

Consent provided

Web

2022-08-01

Closed with explanation

Yes

2017-09-28

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I applied to the Public Service Loan Forgiveness ( PSLFP ) program because I work in a XXXX which is considered a nonprofit. I started working at the XXXX in XX/XX/2013 and soon after I began to make payments on my loan. The paperwork for the PSLFP took months to be processed. I inquired several times with XXXX and their service representative told me that the months would be retroactively applied towards the ten years. After several months they sent a letter stating that I was not on the correct payment plan so payments would not be applied to my ten years. The process took so long that I lost several months of payments that could have been applied. I have worked for a XXXX for 4 years now and have made monthly payments towards my loan for those years, but the company is not recognizing those payments. I think it is unfair for my payments not to be considered when the company gave me incorrect information and months to respond to application requests. The program was meant to help public servants not prolong their payments.

AES/PHEAA

MD

207XX

Consent provided

Web

2017-09-28

Closed with explanation

Yes

2021-01-27

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

Simple bank which is owned by BBVA is closing and I have attempted to transfer my funds to another bank account. I was successfully able to transfer some funds but I have not been able to transfer my remaining balance. BBVA will not accept customer service calls, and I am given the XXXX number for Simple which says my wait time is 2hrs. All of my support messages on the website are left unanswered. I need and want access to my funds immediately. The web interface even says I am eligible to transfer funds but it errors out on every attempt.

BBVA FINANCIAL CORPORATION

WA

98110

Consent provided

Web

2021-01-27

Closed with explanation

Yes

2023-06-25

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Creditors Equafax, XXXX These account have inaccurate chargeoffs on my credit profile.i would like a thorough investigation, retaining to dates, addresses and payment history. The account numbers last for provided. The creditors charged me off and charged {$230.00} and collection agencie XXXX XXXX charging the {$1200.00} .account are came creditor XXXX XXXX XXXX amount {$230.00} XXXX also have some errors on account. It doesnt provide all information needed for verification. I would like investigation aswell for this account. For charge off. Account # XXXX Amount {$3800.00}

EQUIFAX, INC.

AL

352XX

Consent provided

Web

2023-06-25

Closed with non-monetary relief

Yes

2022-05-15

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

Credit reporting

Incorrect information on your report

Account information incorrect

On XXXX XXXX Equifax sent me a letter notifying me that the report they removed off my credit would be put back on. Equifax put XXXX XXXX back on my credit report and damaged it and dinged my credit report XXXX points. Equifax is now reporting false information on my credit report. The loan was for 60 months and started on XX/XX/XXXX the whole loan amount was {$20000.00} with down payment. Equifax is reporting the original loan amount is {$11000.00} false statement, Equifax is reporting the amount I have paid is {$9200.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19.00} XXXX plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement I have paid {$17000.00} and at the end of the loan on XXXX XXXX I will have paid {$19000.00} plus my down payment I will have paid over {$20000.00}. Equifax is reporting my remaining balance is {$2400.00} false statement remaining balance is {$2600.00} Equifax is reporting my actual payment amount was {$650.00} false statement my last payment was {$320.00}, Equifax is reporting my last payment date was XXXX XXXX false statement it was XXXX XXXX is reporting 120 days past due false statement. Equifax is purposely and maliciously ruining my credit. I fell out of escrow last year due to Equifax false reporting and not removing account and false information in a timely manor.Equifax sent me a letter of reinsertion and that has wrong and false information.Aparently Equifax does not care about reporting correctly and they dont care to remove a account permanently when information is not correct since I have been complaining about this account for over a year. Equifax removed the false information one time and then put the same false information back on my credit report I have XXXX disputes with Equifax and all are for false or inaccurate information on my report and and over half give or take or for the same account XXXX XXXX. I called Equifax and spoke with XXXX XXXX badge number XXXX and he was to open a dispute and investigate the issue no dispute was ever opened by the EQUIFAX Supervisor.XXXX XXXX has been sued by the attorney general in for bad loans and subprime loans and bad lending practices .A 60 month loan at {$320.00} a month since XXXX XXXX is more then the {$9200.00} being falsely reported since XXXX.

EQUIFAX, INC.

CA

XXXXX

Consent provided

Web

2022-05-15

Closed with explanation

Yes

2021-07-21

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Phoenix financial services suddenly appeared on my credit with a medical debt. I do not recall this debt and they refuse to give me my documentation of where I signed to get this removed.

Phoenix Financial Services LLC

TX

77375

Servicemember

Consent provided

Web

2021-07-21

Closed with explanation

Yes

2020-10-29

Checking or savings account

Checking account

Managing an account

Banking errors

I opened this account in late XX/XX/2020 with a promotion to receive {$400.00} bonus once I had {$4000.00} in direct deposits in the first 3 months. I completed this in XX/XX/2020. I was told I had to wait until 30 days after the transaction getting me to {$4000.00} was reached and the bonus would be deposited by then. Then I was told 120 days after account opening. It's late XXXX ( 120 days after opening ) and I haven't gotten anything. Additionally, my account can not transfer to another account. I have stopped in a local branch and called several times, they keep telling me I need to wait for something to be mailed to me like a PIN, but I haven't gotten that yet. My current pin lets me use the debit card but that's it. I'm not sure what that has to do with transferring money. I was able to transfer to a different checking account ( XXXX ), but not this other one ( XXXX XXXX ). I don't have time to call and wait on hold for long times any more.

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

WELLS FARGO & COMPANY

NJ

080XX

Consent provided

Web

2020-10-29

Closed with explanation

Yes

2023-06-21

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

Credit reporting

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

Their investigation did not fix an error on your report

Based on the unapproved request, today I'd like to inform you that there are still accounts on my credit file appears inaccurately, so for that, I would like you to help me to correct these accounts which I never been late to pay my credits. FCRA 605B requires to correct these accounts : OFFICE OF THE ATTY GEN XXXX Balance : {$6700.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$5100.00} ; OFFICE OF THE ATTY GEN XXXX Balance : {$1800.00} ; OAG CHILD SU XXXX Balance : {$5100.00}.

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

Experian Information Solutions Inc.

TX

XXXXX

Consent provided

Web

2023-06-21

Closed with non-monetary relief

Yes

2022-08-30

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

last XX/XX/XXXX i noticed 2 credit inquires, syncb/j.c.penny XX/XX/XXXX and XXXX XX/XX/XXXX. i immediately called both of them, told them that i never applied to either of them. after they both reserched the accounts, they both concluded that someone fraududently tried to open an account. they both said that they would send a letter to XXXX to get it deleted off my credit report. i also requested that letter to be sent to me.they said that they would. they also said it would take30-60 days for the deletion. i said o.k., long as it is done. 3.5 months later, there is still no deletion. i called them back again to find out whats going on. they said they sent the letters to XXXX. XXXX told me, no such letter has shown up regarding any deletion. i asked them to send it again. they both said that they will. XXXX said that they never got letter, nor did the send me the letter as i requested. to date XX/XX/XXXX i have contacted both again3 or 4 more times about this. no letter has shown up at my residence or XXXX. every time i asked them to mail me and XXXX, they always said they would. and as allways no letter is sent. i'm just trying to get false info off my credit report. i have worked hard rebuilding my credit, up XXXX points in a year now up XXXX points to date. please help me get this false info off my credit report. syncb/j.c.penny XXXX and XXXX XXXX phone numbers. my name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX ohio XXXX my phone number is XXXX my email is XXXX XXXX

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

SYNCHRONY FINANCIAL

OH

44514

Consent provided

Web

2022-09-20

Closed with non-monetary relief

Yes

2023-07-31

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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Experian Information Solutions Inc.

KS

67207

Consent provided

Web

2023-07-31

In progress

Yes

2018-07-27

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

Credit reporting

Incorrect information on your report

Account status incorrect

I apologize for the length of this report, but I believe it is very suspicious activity and hope someone can affirm to me that what this company is doing is legal. In XX/XX/XXXX I noticed a new debt in collection reported to three credit bureau 's. The debt was from XXXX XXXX XXXX for around {$3000.00} for XXXX College loan. I did attend XXXX, a company of XXXX college, and I do have an active loan that was opened at the same time as the alleged collections loan. I checked with XXXX, the company that I was paying for the loan and I was still in active repayment with no late payments or any issues at all. I tried contacting XXXX XXXX XXXX but every time I called them it went straight to a voicemail that required you to press certain options in order for your voicemail to be saved, a shady practice if you ask me. Eventually ( After about a dozen attempts to call the company ) I called in and someone answered the phone to my surprise. I told him about my issue, how I was in active repayment of a loan but XXXX claims it is in collections. He said he would forward me to " someone who can help '' and then I was forwarded back to the voicemail box. I tried calling in immediately after that exchange, and after an initial answer was immediately transferred to a different voicemail box with different prompts than the previous voicemail. I tried calling in again, and it went back to the original voicemail. I began to suspect that they were ignoring/auto transferring my calls. I called in immediately after that with my fiance 's phone and it was immediately answered. I told him that I had talked to them previous but must have been accidentally transferred to voicemail. He offered to help. He said that XXXX was the owner of the debt, and that XXXX was the payment processor ( which is fine with me ) and that since I owed the debt, it showed up as a collection. I tried to tell him that a collection is an item that isn't in active repayment but he argued that since I owed them the money it was a collection, even if I am actively repaying it still. He then offered to transfer me to XXXX for further assistance, as he said that XXXX would have to be the company that told XXXX to remove the debt from my credit report. I got a hold of a representative at XXXX who said that in XX/XX/XXXX of this year XXXX ( who owned the debt ) changed their policies to immediately flag all accounts as in collections. He said that I should dispute the collections with the credit agency and they should remove it. I told him that I had disputed the collections, and XXXX and XXXX did remove the debt, but XXXX said the debt stayed as XXXX confirmed the collections was accurate. He thought that was strange. I asked how I could get the collections removed and he said that it would be removed by XXXX if I either paid off the loan, or settled for 50 % of the current balance owed. I am suspicious and question if it is legal for them to add an item to my credit reports as collections when it is not in collections. I am hoping someone can take a look and make sure this company is operating legally. I can provide statements from XXXX ( the payment company ) and my credit reports showing the active XXXX loan, as well as the " collections '' XXXX loan if required.

Riverwalk Financial Corporation

KS

67212

Consent provided

Web

2018-07-27

Closed with explanation

Yes

2020-07-19

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

I'm attempting to connect my PNC account to my XXXX account, and PNC is denying the connection and disallowing it to be made.

PNC Bank N.A.

IN

46142

Consent provided

Web

2020-07-19

Closed with explanation

Yes

2023-06-10

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93313

Consent provided

Web

2023-06-10

Closed with non-monetary relief

Yes

2022-09-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reportingXXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reportingXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX XXXXlease remove it from my credit report.

EQUIFAX, INC.

AZ

85323

Consent provided

Web

2022-09-07

Closed with explanation

Yes

2018-10-15

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I have been a customer of American Express since XXXX. In the time since, I have expanded my business with the Company, adding a " Preferred '' designation to my " XXXX '' card at {$95.00} annual fee, as well as adding an " Everyday Cash '' card and the {$550.00} per year " Platinum '' card. I have always made my payments on time, and have typically paid off large amounts - in recent months I have paid off a combined balance of around {$20000.00} - as is the case with all of my non-Amex cards. My complaint today centers on a recent business exchange concerning my " XXXX '' card, and secondarily, my " Platinum '' card. Since I have had my " XXXX '' card, I have maintained a {$4500.00} credit limit. I have demonstrated an exemplary history on this card, which I am aware of given my professional experience with credit. The more recent " Platinum '' card has no pre-set spending limit, yet there is a tool on the Amex website to check my spending power, indicating at any given time if a prospective purchase will be approved. Up until now - I have had this card since XXXX of this year - purchase amounts including {$15000.00} and {$25000.00} on separate occasions have been indicated as pre-approved. That brings me to my current position. My " XXXX '' card has had its credit limit lowered to {$3800.00} and not even {$5000.00} is being pre-approved on my Platinum card. I have continued to pay all of my credit cards as always and there has been no substantive or meaningful change whatsover in my credit picture. Rather, what prompted this adverse action on my Amex credit cards - and, as a result, my credit report - was due to a material misrepresentation made by the Company, which caused my minimum payment last month to be made " late ''. The background follows : For the last few years, I have redeemed my rewards points on my " XXXX '' card for cash back in the form of a statement credit. This credit posts and can be seen on the account within a few business days, and it also reduces the statement balance that must be paid by the current due date by the amount redeemed in order to avoid incurring purchase APR for the month. This fact would, understandably, lead one to believe that the cash back redeemed would reduce the minimum payment as well. Although, the minimum payment amount displayed would remain unchanged following redemption, so to would the statement balance amount displayed. And I was never charged interest following this understanding and approach month after month for years. I just would reduce the amount of my statement balance payment by whatever the cash back amount was. Pretty straightforward. Fast forward to last month. Unlike in most other months, my statement balance was very low : only {$85.00}, with a minimum payment of {$35.00}. However, because the previous month I had a lot of purchases, I had enough rewards points to cover most of the balance. Now, as it happens, I made many more purchases on the current cycle that followed the {$85.00} balance, but normally, I am going to bring my balance down for the statement in question by {$85.00}. No reason to pay more than what is due, right? First, I redeem {$67.00} in points for cash back which are applied to my balance within a few days, literally bringing the current balance down to close to {$0.00}. Then, I had {$1.00} in interest on my AMEX savings account come through so I just got rid of it by applying it towars the remaining statement balance. Might as well. That left {$15.00}. Yet, this month was unusual, as the remaining balance was now so low that it actually was below the " minimum payment '', which as I mentioned before does not change in terms of what is displayed. But normally what I have left greatly exceeds this, and I am never charged interest so it has never been a concern. Yet, I was aware of this discrepancy. Ever the conscientious customer, I did my due diligence calling American Express ( during first week in XXXX approx. a couple of weeks prior to my due date of XX/XX/XXXX ) to confirm my payment due. I spoke with a representative who, after doing some checking, confirmed my understanding in regard to the fact that I only owed {$15.00} for the remainder of the statement balance. I reiterated the amount and that the {$15.00} would satisfy both the statement balance with respect to interest, as well as the minimum payment. He confirmed that it would so I scheduled the payment for the due date and that was that. That is, until on XX/XX/XXXX, three days after my due date, when the Company declined a small purchase at a grocery store due to my having " not paid my bill. '' No call, just a decline. No matter that I had a Platinum card with no spending limit. Just decline my purchase for under {$10.00} ... totally logical. In any event, I called American Express immediately ( same day XX/XX/XXXX ) and spent about 45 minutes being transferred from what person to another clearly located in other countries ; hardly up to the promise of " American Express ''. Oh, forget about the {$550.00} + {$95.00} annual fees I pay. Finally, I got a hold of a manager. I explained the situation, and after much discussion, the manager stated that I still needed to pay the full {$35.00} from my bank account directly, even though that is literally the same as overpaying my balance ( suppose I hadn't made any further purchases on that current statement cycle - not that it should matter. ) I promptly paid the " remaining '' {$17.00} on the app while on the phone. The manager then provided me with a {$100.00} statement credit in acknowledgement and admission of the misrepresentation and incorrect information provided by the Company causing the inconvenience and dishonor up until that point. I inquired about any possible ramifications to my accounts with American Express or my credit report-at-large. I was assured that this would not be the case, but that she would watch my account for the next month to ensure that I suffered no adverse action of any kind. Of course, the adverse action described earlier would follow quickly thereafter, with the first notification of my credit limit reduction arriving on XX/XX/XXXX via e-mail, and further communications by phone and mail over the following week or so, as well as the self-evincing knowledge of my general downgrading with the Company via my checking of my pre-set spending limit on the website for my Platinum card. I never did hear from that manager who assured me that she would make sure that I suffered no adverse action, nor did anyone I spoke with following the XX/XX/XXXX adverse action attempt to inquire further into my situation. ( These follow-up calls happened over the next week or so following XX/XX/XXXX, roughly on XX/XX/XXXX. This conclusion to the sequence of events that transpired in the last 30 days between myself and American Express brings us full circle. I have so very clearly suffered numerous adverse effects from the Company 's deceptive and injurious actions. My credit report has suffered due to the reduction in my credit limit. My purchasing power has taken a tremendous hit. I was given no notice on the reduction to {$3800.00}, which was conveniently ( for American Express ) just above my then present balance at the time ( remember I pay off in full every month ) causing me to have to quickly pay {$500.00} to ensure continuity of purchase approvals. This behavior by American Express is deceptive, abusive, and downright unacceptable. I am relying upon the aid of the wonderful Consumer Financial Protection Bureau for a resolution to render my current injured state whole and to hold the injuring party fully accountable for its actions. Thank you

AMERICAN EXPRESS COMPANY

FL

34787

Consent provided

Web

2018-10-15

Closed with monetary relief

Yes

2023-08-29

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting Act. The following inquiries have violated my consumer rights to privacy and confidentiality under! 5 USC 1681. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly sent and called the all of the credit bureaus and requested that the inquiries removefor they my were not authorized by me nor did I give consent to any of these companies to pull my credit report, these following inquiries are violating my rights as a consumer. XXXX has refused to help even though they have had many inaccurate info on my reports. These inquiries has affected me immensely and i want these inquiries deleted immediatley!

EQUIFAX, INC.

CA

91350

Consent provided

Web

2023-08-29

Closed with explanation

Yes

2023-10-14

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed, and debt validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. Your office failed to respond to this debt validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediatelyPlease provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.

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

Velocity Portfolio Group

AL

350XX

Consent provided

Web

2023-10-14

Closed with explanation

Yes

2023-03-29

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I am a victim of identity theft please remove this fraud inquiry from my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60643

Consent provided

Web

2023-03-29

Closed with non-monetary relief

Yes

2020-03-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Although I have shown Transunion that XXXX was unable to validate the {$4900.00} balance, Transunion continues to report this unvalidated information on my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

782XX

Consent provided

Web

2020-03-11

Closed with explanation

Yes

2022-12-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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

Experian Information Solutions Inc.

MT

59718

Consent provided

Web

2022-12-06

Closed with non-monetary relief

Yes

2023-01-27

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

Credit reporting

Incorrect information on your report

Account information incorrect

Hello, I sent XXXX, Experian, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

NM

87031

Consent provided

Web

2023-01-27

Closed with explanation

Yes

2019-05-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Transunion, has allowed fraudulent accounts to be authorized on my Consumer Credit Report in which I did not authorize. These accounts were opened from a thief as a result of Identity theft. These accounts also list many inaccuracies. 1. XXXX XXXX XXXX XXXX Credit Card says Opened XX/XX/XXXX. It also states credit limit {$25000.00} according to XXXX XXXX XXXX XXXX this has already been closed due to fraud. They also advised me the limit they show is {$15000.00} therefore transunion is also reporting fraudulent inaccuracies. 2nd Item says XXXX XXXX XXXX Credit Card with a balance of {$1900.00} and a Credit Limit of {$2000.00} this account was not authorized and is a result of Identity theft. 3rd Item is XXXX XXXX loan for {$8000.00} again this was not authorized and is fraudulent. As a result of identity theft. Two more XXXX accounts, one showing a {$4000.00} limit Credit line and one showing a {$1000.00} credit line. These again are fraudulent as a result of Identity theft. There is also TWO XXXX XXXX inquiries for the same thing on the same date that are fraudulent XX/XX/XXXX. Lastly there is a XXXX inquiry which is also fraudulent and transunion lists a fraudulent address on my credit file.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75002

Consent provided

Web

2019-05-22

Closed with explanation

Yes

2022-12-24

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX have violated my rights according to 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 : 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. Because XXXX and Equifax show totally different information and the dates, amounts and reporting information is inaccurate. The following shows the inaccuracies. This needs to be removed immediately. Date Opened XX/XX/XXXX XX/XX/XXXX Balance : {$43000.00} {$43000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$38000.00} {$38000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$6000.00} {$5300.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Variable rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX

EQUIFAX, INC.

FL

34986

Consent provided

Web

2022-12-24

Closed with explanation

Yes

2020-04-07

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have a Bank of America Credit Card showing on all of my credit bureaus that I never Had. It shows Charge OFF. I keep calling them I they keep transferring me to other departments, my last call with them was over one hour long. Thank You.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

FL

33165

Consent provided

Web

2020-04-07

Closed with explanation

Yes

2023-01-04

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

Credit reporting

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

Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}

EQUIFAX, INC.

TX

770XX

Consent provided

Web

2023-01-04

Closed with explanation

Yes

2017-04-29

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

I have been using Discover Scorecard to track my FICO score for a little while now and my score has been steadily improving. I was on the Discover site and saw where it says to see " my offer ''. It also stated that it would not affect my score. I put in my name and last four digits of my social, knowing that I already have an account with them. When I submitted that information, I was directed to " My offer '', the Discover It card. After completing the application in is entirety and EVEN choosing my card design, my application was DENIED and when I checked my credit score , my score dropped due to that particular inquiry being added. There website is misleading. Particularly the wording of " Your offer '', letting me choose my card design, and stating that it wo n't affect my credit. i am working so hard to repair my credit and this is just devastating. I called XXXX and explained what happened and asked that they remove the inquiry, the representative told me that I had to call Discover Bank directly and that they would be able to remove it. When I called Discover , I spoke with a supervisor named XXXX who claimed they could not remove the inquiry even after I explained that it was misleading. I asked to speak to HIS supervisor because I was tired of being lie to. He told me that there was n 't one available and that one would be there at XXXX XXXX eastern standard time. That was at XXXX XXXX . He asked me for my callback number. I gave him the number ( the same one on my application/account ) and here it is XXXX XXXX and I have still not received a call yet!

DISCOVER BANK

GA

30058

Consent provided

Web

2017-05-01

Closed with explanation

Yes

2022-02-12

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

Credit reporting

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

Their investigation did not fix an error on your report

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$11000.00} open XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

482XX

Consent provided

Web

2022-02-12

Closed with non-monetary relief

Yes

2017-12-23

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter,

EQUIFAX, INC.

LA

70043

Consent provided

Web

2017-12-23

Closed with explanation

Yes

2021-05-11

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I had my accounts closed by chase and they are holding all my funds and want release them to me its been almost two months and every time I try and talk to someone about the phone automatically disconnects I need my money returned to me and the bank is refusing to send my money back to me.

JPMORGAN CHASE & CO.

IL

60636

Consent provided

Web

2021-05-11

Closed with explanation

Yes

2023-06-24

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

Based on the FCRA law Experian is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in XXXX. This is not true. The debt was bought from XXXX for a account created over ten years ago. Experian refuses to remove this account. Bought by XXXX XXXX XXXX.

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

Experian Information Solutions Inc.

TX

XXXXX

Servicemember

Consent provided

Web

2023-06-24

Closed with explanation

Yes

2016-03-31

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt was paid

The debts incurred during a hospital stay have been granted financial assistance from the hospital however Credit Bureau of Bessemer, a local collection company in Alabama, refuses to close the account. I have called, email, and even disputed through the credit bureau.

Company believes it acted appropriately as authorized by contract or law

Credit Bureau of Bessemer, Inc

AL

35216

Consent provided

Web

2016-04-04

Closed with explanation

Yes

Yes

2021-04-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

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

Experian Information Solutions Inc.

MI

482XX

Consent provided

Web

2021-04-25

Closed with explanation

Yes

2019-08-16

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

I signed up for Wells Fargo 's Checking promotion earlier this year in late XXXX for {$250.00}. The bonus was broken into $ XXXX {$100.00}. Wells Fargo paid the initial bonus of {$150.00} on my account after meeting terms on XXXX but refuses to honor the 2nd portion of the bonus ( {$100.00} ) despite initially leading me to believe I would get the {$100.00} as I will explain below. The terms for the second portion of the bonus were to continue making direct deposits of $ XXXX every 30 days for another 150 days following the initial 60 day period. Sometime just before XX/XX/2019 I contacted Wells Fargo via Secure Message asking about the status of my {$100.00} bonus. They responded on XX/XX/XXXX indicating that I had yet to meet the terms but led me to believe that I was very close. They specifically detailed out that I made $ 500+ in Direct Deposits of {$600.00}, {$550.00}, {$780.00} & {$500.00} for the 4 months ( 120 days ) following the initial 60-day period and {$400.00} as of XX/XX/XXXX but presumably had until XX/XX/XXXX to meet it ( Deposits from XXXX XXXX XXXX XXXX and XXXX XXXX as XXXX ). They said I had to make just {$96.00} by XX/XX/XXXX to receive the {$100.00}. The very next day on XX/XX/XXXX, a Direct Deposit of {$140.00} posted thus taking me over {$500.00} for the 5th straight month. So I thought I must be good for the {$100.00} bonus. Another month passes by and I still don't see the {$100.00} bonus post yet so I message them explaining to them that I had {$140.00} Direct Deposit post before XX/XX/XXXX. Now Wells Fargo tells me on XX/XX/19 that I don't qualify because I didn't meet the terms saying I only made {$370.00} in Direct Deposits from days XXXX?? ( 4th month ) despite their original message stating that I had done {$500.00}. I feel like I was screwed and deceived out of the extra {$100.00} bonus by Wells Fargo and that it should be honored.

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

WELLS FARGO & COMPANY

MI

49855

Consent provided

Web

2019-08-16

Closed with monetary relief

Yes

2022-10-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, Equifax and XXXX would like them removed immediately. Previously disputed with no resolution. XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance

EQUIFAX, INC.

MI

48917

Consent provided

Web

2022-10-13

Closed with explanation

Yes

2021-07-25

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.

Resurgent Capital Services L.P.

NY

11563

Consent provided

Web

2021-07-25

Closed with explanation

Yes

2019-10-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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

Experian Information Solutions Inc.

TX

77035

Servicemember

Consent provided

Web

2019-10-14

Closed with explanation

Yes

2022-01-05

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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

Experian Information Solutions Inc.

GA

30092

Consent provided

Web

2022-01-05

Closed with non-monetary relief

Yes

2021-09-24

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Received a letter from a Collection Agency " Transworld Systems , Inc. '' on XX/XX/21. It stated an account was placed with them for collection from XXXX XXXX for {$2300.00}. I contacted XXXX XXXX ( located in XXXX XXXX, CA ) and was informed they did not have an account or name associated with their Fire Department regarding this issue. I was also told that XXXX XXXX does not use Transworld Systems , Inc. for debt collection. Person I talked with stated this was most likely a scam. Contact name, address and telephone number for Transworld Systems, Inc : XXXX XXXX, License # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX I called above phone number and was transferred to a recording. With that being said, please note we have never been to XXXX XXXX, CA

TRANSWORLD SYSTEMS INC

NY

13126

Older American

Consent provided

Web

2021-10-05

Closed with explanation

Yes

2022-01-27

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

Credit reporting

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

Their investigation did not fix an error on your report

I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

323XX

Consent provided

Web

2022-01-27

Closed with non-monetary relief

Yes

2022-03-22

Checking or savings account

Other banking product or service

Closing an account

Can't close your account

Since XX/XX/XXXX, XXXX Wells Fargo is allowing my identity to be use by some thief. The thief has been using my address and my name as well as my email address and how did he/she managed to open multiple bank accounts using my information with or without the help of the BANK in QUESTION? Wells Fargo Bank has been sending me statement, letters, emails and even a debit card using my name, my address and my email address on multiple accounts I have not opened. I have NO business with Wells Fargo Bank. I have gotten multiple letters and collection letters from Wells Fargo as well. It's extremely annoying the endless amount of time/money that this FRAUD has cost me. I met/and contacted the bank on XX/XX/2022 in my community to discuss the issue. I made a report with the local police. I lost money because of this thief. But letters continue to insult my dignity and identity. Please I need an authentic answer to this issue. I worked all my life so hard to be abused by a thief who wants to steal my identify and commit financial crimes. Please contact me ASAP. THANK YOU! Or email me A fair solution to this issue, would be to compensate me for damages and lost of time, fear and mental health damages to my name/life which already is full of debts. I need to be compensated for the weakness or failure to secure my identity/the use of my personal information tacking my integrity, my dignity and my vulnerability as a hard-working person, a tax payer and a decent name. I want the bank to find the thief and let me know who did it. I want these accounts to be removed and permanently block the thief from further damage to me or anyone else. That's is a security issue because if we cant keep safe the business of money as a way to do make transactions, then we will be all forced to go back to trading goods which is a fair safer way to do business. il.com.

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

WELLS FARGO & COMPANY

NY

12590

Consent provided

Web

2022-03-22

Closed with explanation

Yes

2022-12-07

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

My husband and I had just opened up a joint account with Truist in XX/XX/2022. We had just gotten married and were excited to begin a new relationship with Truist. On XX/XX/XXXX my husband had received an XXXX check from his job for {$1100.00}. My husband endorsed the check and submitted a mobile deposit through his Truist app. Later that evening his card was declined while trying to buy dinner. He was never notified that the account was blocked prior to this. We both reached out to Truist immediately and spoke to the fraud department. No one could tell us why our joint account was frozen/blocked and could only assume it was the check that was deposited earlier for counterfeit. I had requested to speak to a XXXX and no one was available at that time but we were told the problem could be expedited. They recommended we go into a branch which is what we would do the next day. My husband went to a Truist branch located in XXXX, GA. He was told there was nothing they could do for him and was given the same number to the fraud department. So we called again and finally spoke to a XXXX who to no avail, could not give us the reason for the account being frozen and said the check looks like it may be available XX/XX/XXXX. Of course my husband and I are incredibly upset and live paycheck to paycheck. Our rent, car payment, electric, food and gas were all going to be paid from our Truist account. We had no cash or additional funds. At this point my husband can no longer access his account but I am still able to see mine. Thursday XX/XX/XXXX I had saw that my direct deposit for {$1100.00} had deposited into the account via XXXX which is also through XXXX. The account was still frozen and my husbands check had not cleared still, but we now had {$1100.00} available funds. I went to the XXXX XXXX XXXX we opened up our account at in XXXX, GA. I spoke to the teller who could also not tell me what was going on so at that point I requested to speak to a XXXX. I was able to speak to the same XXXX who helped my husband and I open our account. I calmly explained my entire situation to her. She showed little sympathy but that is fine I just wanted my available funds while we waited for my husbands check to clear. She looked up our account and like everyone else before her, could not even locate a note on why the account is frozen. She called the fraud department and spoke to a rep who told her that the check was on hold until XX/XX/XXXX and that is when I would most likely be able to access my account and my funds. They could not provide a reason such as specific fraudulent activity or anything that may have been why they feel the need to freeze the account. The XXXX I was working with asked the rep if I could at least receive the funds I have available already and of course I was told no. She proceeded to give me the number to the fraud department that my husband and I had already received 3 times before. I was of course very upset, got up from the desk and showed her the note that another customer had given me earlier at the bank telling me to go to a different company entirely to do my banking at. I told her my husband and I have no way to purchase food or gas, have no way to pay rent. All she could do was say she was sorry. At this point I was so angry that we ended up having a confrontational exchange of words and I left the branch. I later received a message back from their instagram account. It seemed hopeful and they seemed understanding in their message. I was told to give them XXXX business days to hear back from their leadership team. I have not heard back. It is now XX/XX/XXXX and my husband and I can not access any of our money still. I am saddened to say that this is the worst and most unprofessional experience I have ever had with any company. My husband and I plan to close the account as soon as we receive our money and will be going elsewhere.

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

TRUIST FINANCIAL CORPORATION

GA

30114

Consent provided

Web

2022-12-07

Closed with explanation

Yes

2020-09-28

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

Credit reporting

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

Their investigation did not fix an error on your report

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX XXXX XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Bread Financial Holdings, Inc.

MA

02301

Consent provided

Web

2020-09-30

Closed with explanation

Yes

2018-04-30

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I am extremely concerned over discriminatory banking practices regarding Citigroup and the gun industry. I use two Citigroup credit cards for almost everything I buy, including guns and ammunition. If these allegations are true, they are also extremely unethical, inappropriate, and will not never tolerated. As of right now, I use these cards to make approximately 2000 a month in purchases. I am ceasing to use these cards until I hear further information refuting this, and if true, I will immediately close the accounts.

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

CITIBANK, N.A.

NY

12010

Consent provided

Web

2018-04-30

Closed with explanation

Yes

2022-04-06

Vehicle loan or lease

Loan

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

I have an auto loan that XXXX signed for in XXXX for my daughter. The car was repossessed in XXXX. I have tried to contact the company, CNAC on several occasions. The number that they pricier that is listed on my credit report, ( XXXX, is always busy. I spent a week trying to contact the number everyday. I looked up the company on the internet and called it, ( XXXX ) XXXX XXXX. I was told that they could not pull up the loan, and to call ( XXXX ) XXXX. I called that number and it was the XXXX. I was told that they handle loans for banks that have closed. the lady, XXXX, informed me to make a complaint, because she had received several calls from other consumers from CNAC. I was also given ( XXXX ) XXXX. It was XXXX XXXX XXXX credit card account. This vehicle was almost paid for. The amount they gave me when the repossessed it was {$3000.00} to settle the debt. But now, I have over {$7500.00} on my credit report. I am trying to contact them for a settlement credit. At this time, I have no way to resolve this issue with CNAC, and can not obtain a vehicle for myself with this late amount on my credit XXXX every month. Because it has been so long ago, and it was my daughter 's car, I have no loan information that I can provide.

Byrider Franchising, LLC

IN

464XX

Servicemember

Consent provided

Web

2022-04-06

Closed with explanation

Yes

2022-10-18

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

On XX/XX/2022, XXXX debited {$89.00} & {$89.00} from my checking account with Capital One Bank. I did not order any product from this company. I've never even heard of this company. I searched them on the web and sent them an email on XX/XX/2022 stating this should not have been deducted from my account. I sent another email on XX/XX/2022, asking why they are not responding to my email. I've tried to call numerous times and the message says, " this phone is not set up to receive calls. I'm so frustrated. There is no way for me to reach them and my bank will not refund the money. Please help me.

CAPITAL ONE FINANCIAL CORPORATION

TX

762XX

Older American

Consent provided

Web

2022-10-18

Closed with explanation

Yes