Datasets:

aciborowska

/

customers-complaints

like 1

2019-07-24

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt is not yours

Debt was fraudulently obtained in 2008. No outstanding debt obligations. Repeated harassing phone calls. No attempts to resolve the issue, just calls dozens in the last week. All hours of the day. Threating messages

Company disputes the facts presented in the complaint

Dynamic Dedicated Financial Partnerships

MI

493XX

Consent provided

Web

2019-07-24

Closed with explanation

Yes

2020-06-02

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

Credit reporting

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

Their investigation did not fix an error on your report

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60561

Consent provided

Web

2020-06-02

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

Disputed an Equifax report inXX/XX/XXXXwhere I disputed a foreclosure on my report however the account could not be verified by the correct mortgage company. Equifax is stating that the account was verified however I have a letter from XXXX XXXX stating they have never been in control of the account which was held by XXXX XXXX. XXXX went bankfupt in XX/XX/XXXXtherefore the account can not be verified with the dates, loan amounts etc ... .This is required by law.

EQUIFAX, INC.

SC

29708

Consent provided

Web

2017-08-17

Closed with explanation

Yes

2023-01-16

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. 1. The following personal information is incorrect Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This address belongs to someone else. Delete it from my report immediately. 2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately. 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX - This name belongs to someone else. Delete it from my report immediately. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away. 5. XXXX XXXX XXXX XXXX XXXX XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX : Federal Trade Commission 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.

AL

355XX

Consent provided

Web

2023-01-16

Closed with explanation

Yes

2019-11-09

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

Other personal consumer report

Improper use of your report

Report provided to employer without your written authorization

I was driving with XXXX and as part of their background check my ability to drive as a partner for XXXX was restricted based on incorrect reporting of drivers license abstract. The company who is providing such information has not obtained written permission to provide my information. When I checked with NJDMV and legal attorneys, my record has no points and it is considered as legally eligible to drive. This company Checkr.com is using my information and providing it to other companies which is resulting in adverse action. I was making extra income to support my family of 6 people and now due to their incorrect reporting I have incurred loss in my income.

Checkr, Inc

NJ

08816

Consent provided

Web

2019-11-09

Closed with explanation

Yes

2020-09-23

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

This account is closed. Its reporting inaccurately to credit agencies. Its a violation. I want it deleted and removed. I begin trying to remove this since XX/XX/XXXX by sending multiple letters to the collection agency by certified mail through the post office as well as online. XXXX has agreed to remove and delete from my credit report. I was also a victim of the XXXX breach in XXXX.

Resurgent Capital Services L.P.

AZ

85301

Consent provided

Web

2020-09-23

Closed with explanation

Yes

2018-08-29

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I had a balance on a US Bank credit card of {$5200.00}. An auto payment of {$200.00} was just cleared on XX/XX/XXXX. I made a payment online for the balance of {$5200.00}. Once that payment cleared, I called the company and asked for my account to be closed. It was successfully closed. Today is XX/XX/XXXX and lo and behold I receive my statement. I open it expecting a big fat XXXX for balance due, but to my surprise, there was a balance of {$14.00}. What? I called the company and supposedly they were charging me interest DAILY for a cash advance. If that were the case, why wasn't that additional {$14.00} shown on my balance due online? I understand MONTLY statements showing MONTHLY charges, but a website can literally be updated every SECOND. Why wasn't the additional charge reflected in the balance? Why would anyone think about, check up on, or follow up on an account after it had been PAID IN FULL and CLOSED? What if I hadn't noticed this new bill for {$14.00}? What if a month went by, then another then another without me knowing about it. Meanwhile, US Bank is charging me interest on the interest on the interest. You could see where this could create problems. This seems VERY DECEPTIVE to me, bordering on illegal, that not only did the website not reflect the most up-to-date balance due, but that at no point during the process of me closing the account was I ever MADE AWARE OF the upcoming daily interest charge. Why would they not tell me at the time I was closing my account that I had the option of paying off the current daily interest charge. Today I called their one of their reps, asked why the full balance wasn't reflected on the website and reminded her, at least four times, that I paid the total balance due as it was reflected on my last statement, which was the same exact number reflected on their website. She finally offered to looking into getting the fee waived. She was able to. I asked for an email notice reflecting this waiving. She said it would be reflected on my next statement.

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

U.S. BANCORP

TX

78504

Servicemember

Consent provided

Web

2018-08-29

Closed with explanation

Yes

2023-05-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76036

Consent provided

Web

2023-05-11

Closed with non-monetary relief

Yes

2023-01-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. These are the ONLY personal information that should be reported on my credit report : Please update my address to : Address. Please update my name to : Name. I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IN

46517

Consent provided

Web

2023-01-12

Closed with non-monetary relief

Yes

2015-08-04

Debt collection

Medical

Disclosure verification of debt

Not given enough info to verify debt

Pulled credit report XXXX/XXXX/15. Sent validation request of 3 medical collection accounts. Received response from Business and Professional dated XXXX/XXXX/15 refusing to provide validation. Their " reasonable belief '' is incorrect ; validation request was NOT prepared or submitted on my behalf NOR was it supplied by a credit repair organization.

Medical-Dental-Hospital Bureau of San Antonio

TX

78210

Consent provided

Web

2015-08-06

Closed with explanation

Yes

No

2022-07-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days.

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

Experian Information Solutions Inc.

NC

27804

Consent provided

Web

2022-07-26

Closed with explanation

Yes

2022-06-03

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : This is a violation. Chargeoffs accounts should NOT report each month with active payment history. Best regards, XXXX XXXX

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

Army and Air Force Exchange Service

HI

96786

Servicemember

Consent provided

Web

2022-06-03

Closed with explanation

Yes

2023-06-27

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

Credit reporting

Credit monitoring or identity theft protection services

Problem canceling credit monitoring or identify theft protection service

I Received a copy of my credit report and noticed several accounts on my credit file that i never applied for and never used. these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

IL

60637

Consent provided

Web

2023-06-27

Closed with explanation

Yes

2018-07-17

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

Credit reporting

Incorrect information on your report

Account information incorrect

On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I did not once receive any notification from XXXX that I had a balance. Nor did I recieve notification that my credit limit had changed. I have not used my card for several months as I rarely visit XXXX stores and I had gift cards so I didnt need to use my credit card.

TD BANK US HOLDING COMPANY

CA

92673

Consent provided

Web

2018-07-17

Closed with explanation

Yes

2023-02-24

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Accounts, DPT EDXXXX : # XXXX, DPT EDXXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXXXXXX XXXX DPT EDXXXX, XXXX, DPT EDXXXX, XXXX XXXXXXXX, DPT EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX has all violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28213

Servicemember

Consent provided

Web

2023-02-24

Closed with non-monetary relief

Yes

2022-09-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and 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.

FL

33617

Consent provided

Web

2022-09-04

Closed with explanation

Yes

2023-07-07

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

Credit reporting

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

Investigation took more than 30 days

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. PLEASE CHECK ATTACHED LETTERS.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

34234

Consent provided

Web

2023-07-07

Closed with non-monetary relief

Yes

2023-08-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. See the documents attached.

Experian Information Solutions Inc.

TX

75126

Consent provided

Web

2023-08-02

In progress

Yes

2023-07-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

U.S. Department of Education has been furnishing personal transactions to consumer agencies since 2011. Money purchase loan one is {$3900.00} and Money purchase loan two is {$3400.00}. Account has been closed and sold to a collection agency who reopened and inserted late payments and started account over again. This is the first action taken. This is in violation of both the Family Educational Act of 1974 and the Privacy Act of 1974. 45 CFR 1800.9 Disclosure of record to a person other than the individual to whom the record pertains. The Foundation WILL NOT disclose a record to any individual other than to the individual to whom the record pertains without receiving the PRIOR WRITTEN CONSENT of the individual to whom the record pertains. These entities knowingly violate their agreements with malice. This is my notice to opt out as I was never given the opportunity to.

EQUIFAX, INC.

AL

355XX

Consent provided

Web

2023-07-26

Closed with non-monetary relief

Yes

2023-02-25

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Was sent a letter By GLOBAL CREDIT & COLLECTION CORP detailing a alleged debt not owed, further more I did not authorize this company to contact me or have my personal Indentifying information, this company do not have my consent un 15 U.S.C 1692 c.

Global Credit & Collection Corporation

IL

60624

Consent provided

Web

2023-02-25

Untimely response

No

2022-06-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. 15 U.S.C 1681 Section 602 A State i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it states a consumer reporting agency can not furnish a account without my written instructions

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

174XX

Consent provided

Web

2022-06-19

Closed with non-monetary relief

Yes

2020-05-27

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

Portfolio recovery continues to report a fraudulent account on my credit report and continues its refusal to correct this matter. I have made a previous complaint with the CFPB complaint number XXXX and provided supporting documents regarding my claim along with proof of delivery via USPS certified mail. The attachments include my letter to Portfolio recovery disputing the alleged debt along with a copy of a completed FTC ID theft report and police report. Portfolio recovery responded to my complaint by denying any receipt of a completed FTC fraud Affidavit and police report even after providing delivery confirmation. Portfolio recovery also denied changing the account number for purpose of deceiving the credit bureau into reporting a blocked collection account, yet the collection is still being reported on my credit bureau report with a different account number other than the original disputed account number which was blocked on my credit report per [ 15 U.S.C. 1681c2 ]. THIS COMPLAINT INCLUDES ATTACHED COPIES OF MY FTC FRAUD AFFIDAVIT AND POLICE REPORT ALONG WITH THE DISPUTE LETTER TO PORTFOLIO RECOVERY AND PROOF OF DELIVERY VIA USPS CERTIFIED MAIL ARTICLE # XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery is not being truthful in its response to my previous complaint and did infact receive these items and sign for them. Please review attachments to verify my claim before accepting portfolio recovery 's denial

PORTFOLIO RECOVERY ASSOCIATES INC

IL

60453

Consent provided

Web

2020-05-27

Closed with explanation

Yes

2021-07-23

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

Credit reporting

Incorrect information on your report

Account status incorrect

There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds. The following account name - 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.

TX

75217

Consent provided

Web

2021-07-23

Closed with explanation

Yes

2023-01-28

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 human being a natural person and I have rights under the Fair Debt Collection Practices Act. Transunion and XXXX XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. XXXX XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact Transunion and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78628

Consent provided

Web

2023-01-28

Closed with explanation

Yes

2020-10-26

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I have been an authorized user for now on my cousins cards using and paying it off. Trying to build my credit. The issue is nothing is showing on my report for either of these cards. One is XXXX and the other is XXXX XXXX XXXX. For some reason they are not reporting to XXXX, equifax and XXXX any help here would be greatly appreciate.

EQUIFAX, INC.

NY

10305

Consent provided

Web

2020-10-26

Closed with explanation

Yes

2020-08-03

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

Credit reporting

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

Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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

Experian Information Solutions Inc.

IL

604XX

Consent provided

Web

2020-08-03

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 am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account XXXX XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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

Experian Information Solutions Inc.

IL

60644

Consent provided

Web

2022-03-30

Closed with explanation

Yes

2020-01-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.

EQUIFAX, INC.

FL

33169

Servicemember

Consent provided

Web

2020-01-20

Closed with non-monetary relief

Yes

2021-01-25

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

Credit reporting

Incorrect information on your report

Account information incorrect

ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.

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

Experian Information Solutions Inc.

TX

762XX

Consent provided

Web

2021-01-25

Closed with non-monetary relief

Yes

2022-12-21

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

As Dated XX/XX/2022, I, XXXX XXXX, consumer did not give the written instructions to TransUnion LLC to furnish the identified information on my consumer report, I have come to the understanding that TransUnion LLC is in violation of my rights to privacy. See attachment.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30213

Consent provided

Web

2022-12-21

Closed with non-monetary relief

Yes

2016-09-27

Debt collection

Medical

False statements or representation

Attempted to collect wrong amount

On XXXX/XXXX/16, I contacted Collection Professionals Inc in XXXX IL. trying to explain that the past due medical bills were still pending with insurance. Insurance had initially denied them stating they were pre-exsisting. After I appealed and a lengthy investigation, the decision was reversed. At this time, I thought the issue was resolved. Until I received a summons to court for said medical bills. After calling insurance, it was determined that XXXX had forgotten to send the claims back to adjuster and did so today. They stated they would pay their portion and then secondary ( medicaid ) would pay the rest. After I explained this to XXXX from Collection Prof, he stated that it made no difference and that I would still have to pay it out of pocket resulting in double payment.He said it was because it took 4 years to process. He blantly called me a liar, even after I said that XXXX was sending a letter explaining situation. He would not answer any of my questions, interrupted me frequently and spoke down to me. I would and will gladly pay any bill, I am responsible for but not until insurance processes it. I will not pay only have insurance pay also and no one deserves to be talked to the way I was. I am not some low life who just doesnt pay their bills. I am a highly educated woman, who lost a great job after being XXXX with XXXX XXXX. XXXX was a lenghty process and I am dokng the best I can. I, nor does anyone else deserve to be treated like trash.

Company believes it acted appropriately as authorized by contract or law

Collection Professionals, Inc. (Macomb, IL)

IL

614XX

Consent provided

Web

2016-10-17

Closed

Yes

No

2018-08-26

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

Dear American Express, This complaint is relative to a public welcome offer listed on the American Express Surpass XXXX offer that advertises a free weekend night after the first anniversary of card membership. The offer also includes a XXXX XXXX XXXX bonus points after spending {$3000.00} in purchases within the first 3 months of card membership. While the spending requirement has been met and the XXXX XXXX XXXX bonus points received, I have yet to receive my weekend night certificate upon my annual membership date ( XX/XX/XXXX ) or payment of my annual fee, even within the generous 6 - 8 week window listed in the terms and conditions of the offer. I have contacted American Express through the websites chat and was unable to find resolution to this issue. I first contacted XXXX who then forwarded me to XXXX. Our main point of contention can be summarized as the following : There was a free night certificate for the XXXX surpass card but on the XX/XX/XXXX, we changed the terms of card as we changed the name from XXXX Surpass to XXXX Ascend. A condition was added that the Card member needs to spend {$15000.00} in a calendar year to earn that free night certificate. Hence, the Card member 's whose anniversary date was after XX/XX/XXXX will only get the free night once the spending is met on the account. I disagree and here are the reasons why this argument does not hold : 1. I mentioned that if I were to apply for an AMEX card with a signup bonus today and tomorrow AMEX immediately pulls the offer, changes the card slightly, and removes the welcome language from any offer terms and conditions, would I be grandfathered into the new terms and no longer be eligible for the bonus? In response, XXXX states that The card is eligible for the welcome bonus which it is linked with and I agree. The weekend annual night certificate was included as a special welcome bonus and NOT as a traditional feature of the Surpass card. Yet, she contradicts herself by saying, A condition was added that the Card member needs to spend {$15000.00} in a calendar year to earn that free night certificate. Hence, the Card member 's whose anniversary date was after XX/XX/XXXX will only get the free night once the spending is met on the account. 2. She argues that the Ascends universal feature of awarding an annual weekend night certificate after {$15000.00} of calendar year spend is a valid substitute of the one-time annual weekend certificate from Surpass limited welcome bonus offer. She makes no distinction between the Ascend or Surpass weekend night certificates regardless of why or how they are awarded. On the other hand, opening a Surpass with a welcome offer but completing the requirements shortly after the change to Ascend still satisfies the opening bonus, but XXXX insists each certificate is now mutually exclusive to each card. Still, there are counterexamples from XXXX users who could secure both during the start of the Ascend. If Shannons logic were to hold and instead the Ascend card offered no annual certificate for {$15000.00} calendar year spend or at the very least some incentive other than an annual night certificate ( {$100.00} statement credit, XXXX points, etc. ), then the Surpass annual free night certificate would have clearly been awarded on account anniversary. She makes no distinctions between annual night certificates, despite one being a unique welcome offer and the other a general feature of the card. 3. XXXX mentions, American Express reserves the right to modify or revoke offer at any time. I am sure there are certain boundaries in which AMEX can enforce this without any form of repercussions, though in this case it would be certainly a disingenuous and silly mechanism to avoid upholding its end of the bargain for what should have been an extremely simple case and resolution. The account has been in good standing, does not involve fraudulent activity, and only needed to be open for one year. In return, all AMEX needed to do was award just a single ( 1 ) weekend night certificate. I fail to see how refreshing a card or changing its name somehow justifies invalidating the weekend certificate bonus requirement that an account be open for one ( 1 ) year.

AMERICAN EXPRESS COMPANY

GU

XXXXX

Consent provided

Web

2018-08-26

Closed with explanation

Yes

2023-08-23

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

Credit reporting

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

Problem with personal statement of dispute

Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account removed off of my credit report that was paid off and closed! This company has since been closed/shut down all of their locations and is no longer in business! Since this account is closed and outdated while also being no longer collectible, while also not in business any more it should be deemed as not mines and removed immediately. All responses have been non compliant, I demand the deletion of this account immediately.

Bread Financial Holdings, Inc.

NJ

08054

Servicemember

Consent provided

Web

2023-08-23

Closed with explanation

Yes

2017-11-20

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

1. Received Email notification from PayPal saying my was in a negative balance XX/XX/XXXX 2. Called XXXX that was on the form and talked with a XXXX 3. Requested the original transactions, who initiated them, who the payee was and what account was the money to be taken from. She had some story that she could not supply the originals for me. 4. I asked her to mail the original transactions dates to me XX/XX/XXXX and she mailed me copies of the transactions with fake dates on them. 5. I sent Certified mail to her on XX/XX/XXXX requesting the original transaction date on all the transactions that they said I owed and gave them 14days from date of receipt or the debt would be considered not valid. They received it XX/XX/XXXX. 6. In XX/XX/XXXX they added more transactions to my account and increased the amount they said I owed. I have not initiated an transactions. I had expressed my concern that there was fraud on my account. 7. They did not respond to me at all and then placed the account into collections, I called PayPal again and they refused to talk with me and treated me very aggressive and rude, told me I could only talk with the collection agency. PayPal has a 60 day period to try to resolve with them they did not even honor that period of time 8. I sent a certified letter to the collection agency and requested the original transaction dates and they were supplied with another letter from PayPal with totally different information. 9. I have not authorized payments for what they say I owe and PayPal can not give me an exact date only a debt sometime between XX/XX/XXXX and XX/XX/XXXX or the payee of those transactions that were supposed to be taken out of my PayPal balance, which if that is the case they used money from my PayPal balance and the still wanted more money. This sounds like fraud on their account.

Paypal Holdings, Inc

OR

XXXXX

Consent provided

Web

2017-11-20

Closed with non-monetary relief

Yes

2022-04-08

Student loan

Private student loan

Dealing with your lender or servicer

Received bad information about your loan

I have been attempting to pay my monthly student loan payment for a week. The account has become locked and attempts to reset the the password or username have been blocked as well. I tried to e-mail the company, but I have to be logged into my account to access the e-mail form. I was provided with a XXXX number to unlock the account but there was no option on the main menu to unlock the account or to speak with a customer service representative. The entire menu was automated with no clear information on how to speak to anyone about unlocking the account so payment could be made. The only option was to pay by check over the phone, but with this option I am still left with a locked account so I am unable to check my balances or engage in correspondence with the company through e-mail.

AES/PHEAA

TN

37055

Consent provided

Web

2022-04-08

Closed with explanation

Yes

2018-03-03

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I have asked Diversified Consultants to send me verifiable documentation that this debt is indeed mine ( first request sent on XX/XX/XXXX, please see letter attached ), in turn they sent me was a bill of the charges they claim I owe. I sent the second letter demanding the same verifiable documentations ( sent XXXX, see attached ). They again responded with a bill, of the charges they claim I owed. I also would like to mention that this account was previously owned by XXXX XXXX, who ceased collection on this same account, and removed it from my credit file. Somehow this account was resold to Diversified Consultants!

Diversified Consultants, Inc.

MD

20723

Consent provided

Web

2018-03-03

Closed with non-monetary relief

Yes

2018-06-19

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX should be off of my account as paid off.

EQUIFAX, INC.

IL

60053

Consent provided

Web

2018-06-19

Closed with explanation

Yes

2023-01-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im XXXX they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am XXXX. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times in the last 120 days. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND XXXX AND TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of thisinformation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60636

Consent provided

Web

2023-01-23

Closed with non-monetary relief

Yes

2021-01-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30101

Consent provided

Web

2021-01-22

Closed with explanation

Yes

2022-09-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

According to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX, 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 : 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 with antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28216

Consent provided

Web

2022-09-23

Closed with non-monetary relief

Yes

2018-10-15

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Hi cfpb I am reporting transuion for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AS IN XXXX XXXX, XXXX XXXX, AND XXXX XXXX.I have proof that it has been removed and have proof of showing as a new collection. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28205

Consent provided

Web

2018-10-15

Closed with explanation

Yes

2022-03-13

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

Credit reporting

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

Their investigation did not fix an error on your report

Since i opened the account with lendebuzz they haven't actively report the account to the credit bureaus, i had made another complain before witch they only reported the months before but they never reported again since 6 months ago, on my experian doesnt even show up Which is a clearly violations of Fair credit act, i had paid my loan already and they haven't reported yet

Lendbuzz Inc.

TN

37013

Consent provided

Web

2022-03-13

Closed with explanation

Yes

2023-04-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

EXPERIAN has committed Identity theft 15 U.S. Code 1681a ( 3 ), pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EXPERIAN failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under Fair Credit Reporting Act, you have violated 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, You have as also you have failed the requirement imposed under the Fair credit reporting act pursuant to 15 U.S. Code 1681e ( a ) and did not maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. You can be held liable Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) because you have willfully failed to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q

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

Experian Information Solutions Inc.

NY

XXXXX

Consent provided

Web

2023-04-07

Closed with explanation

Yes

2019-07-04

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

ON XX/XX/2019 ( THURS ) I GOT A CALL FROM XXXX XXXX ( LEVY DEPARTMENT ) LETTING ME KNOW BY VOICEMAIL THAT THERE IS A CHANGE IN MY ACCOUNT. WHEN I CALLED, THE XXXX PERSON TOLD ME THAT THERE IS A LEVY IN MY ACCOUNT AND THAT THEY ARE HOLDING $ XXXX++ ( DON'T KNOW THE EXACT AMOUNT TO THE PENNY- THIS AMOUNT IS MY WAGE EARNINGS SCHEDULED TO BE USED FOR CHECKS I'VE ISSUED, CHILDREN 'S ENROLLMENT AND OTHER BILLS. ) AND IS SCHEDULED TO RELEASE MY MONEY TO I DON'T KNOW WHOM ON XX/XX/2019. I ASKED THE PERSON WHAT IT IS ABOUT, AND COULDN'T TELL ME EXACTLY WHAT IT IS FOR AND SUGGESTED FOR ME GO TO A LOCAL BRANCH AND GET A COPY OF THE DOCUMENTS THEY HAVE. I THEN GO TO XXXX XXXX BRANCH ( A BRANCH I NORMALLY GO TO ) AND ASKED THE BANKER TO PRINT A COPY FOR ME, I THEN EXAMINE THE DOCUMENT AND SAW THAT IT HAS A NAME I HAVE NEVER USED EVER AND WAS WITH MY SOCIAL SECURITY NUMBER. CREDITOR ( PLAINTIFF ) SAYS XXXX XXXX XXXX, WHOM I DONT KNOW. I CALLED THE ATTY IN THE CASE AND I WAS TOLD THAT HE WOULD PUT MY CASE TO THEIR DISPUTES DEPARTMENT AND WILL SEND ME AN ID THEFT PACKET ( WHICH I NEVER RECEIVED TILL NOW ). I WAS QUESTIONING HIM THAT HOW COME I DON'T SEE THIS IN MY CREDIT REPORT TO WARN ME THAT SOMETHING SUSPICIOUS IS HAPPENING. I ALSO ASKED HIM FOR THE ORIGINAL NOTE/OR STATEMENT OF WHAT WAS OWED TO SEE IF IT WAS ME WHO OPENED THIS ACCOUNT. HE JUST TOLD ME THAT MY CASE IS GOING TO BE IN THEIR DISPUTES DEPARTMENT AND HE ALSO TOLD ME THAT TO WAIT FOR THE ID THEFT PACKET HE WILL MAIL ME AND THAT I SHOULD FILL IT OUR AND RETURN TO HIM AS SOON AS POSSIBLE. WHEN MY LAWYER FRIEND CALLED THIS SAME LAWYER ( XXXX XXXX XXXX MR XXXX XXXX ) HE TOLD MY FRIEND THAT HE WILL PUT A HOLD ON THE GARNISHMENT ON MY ACCOUNT - BUT IT SEEMS LIKE HE NEVER DID. ON THE SAME DAY, XX/XX/2019, I WENT TO A POLICE STATION IN XXXX XXXX TO REPORT THIS ID THEFT AND THE OFFICER TOLD ME HE CANT FILE A POLICE REPORT BECAUSE IT IS NOT AN ID THEFT BECAUSE IT HAS MY SOCIAL. I DONT UNDERSTAND! I THEN GO TO THE COURT IN XXXX XXXX XXXX ON FRIDAY XX/XX/2019 AND GOT A COPY OF THE COURT DOCUMENTS. I SEE HISTORY OF ADDRESSES THEY SUPPOSEDLY HAVE SERVED THE PAPERS. THE COURT DOCUMENTS DONT HAVE MY SOCIAL SECURITY AND OTHER PERTINENT, ADDRESSES THAT I NO LONGER LIVE IN FOR MANY YEARS. IT SEEMS TO ME THAT THEY ARE JUST SLOWLY PUTTING MY INFORMATION TOGETHER, ALL THEY HAVE OF ME IS MY SOCIAL SECURITY. ON THIS SAME DAY I WENT TO THE SAME XXXX BRANCH I WENT TO ON XX/XX/19 AND SPOKE TO XXXX XXXX, A PERSONAL BANKER WHO KNOWS ME FROM COMING TO HER WHENEVER I NEED ASSISTANCE FOR ANYTHING REGARDING MY ACCOUNT. I TOLD HER MY STORY AND SHE CONTACTED AND INVOLVED THE BRANCH MANAGER XXXX XXXX AND XXXX INFORMED THEIR ESCALATIONS DEPARTMENT ABOUT MY CASE. WHO SAID THAT THEY COULD NOT DO ANYTHING TO RELEASE MY MONEY BECAUSE THE DOCUMENTATION PRESENTED TO THEM HAD MY FULL SOCIAL SECURITY THOUGH I REPEATEDLY TOLD THEM THAT I AM TRYING TO DISPUTE THIS AND THAT I ASK FOR THEM TO INVESTIGATE FURTHER SINCE IT DIDNT HAVE MY FULL NAME AND I HAVE NO RECOLLECTION WHATSOEVER, THAT I OPENED AN ACCOUNT WITH THIS CREDITOR. THEIR ESCALATIONS DEPARTMENT THEN TOLD MS XXXX THAT THEY WILL CALL ME NO LATER THAN WED OF THIS WEEK TO GIVE ME AN UPDATE. I EVEN TOLD MS XXXX THAT EVEN IF SHE KNOWS MY FACE AND NAME, WHENEVER I COME TO HER FOR HELP REGARDING MY ACCOUNT SHE STILL ASKS FOR 3 FORMS OF IDENTIFICATION : MY ATM CARD, MY PIN AND MY DRIVER 'S LICENSE. HOW COME XXXX CAN NOT DO THE SAME FOR ME? I EVEN ALSO GAVE HER AN INSTANCE WHERE I TRIED TO DEPOSIT A CHECK THAT MISSPELLED MY LAST NAME AND THEY REFUSED TO ACCEPT IT WHEN IT WAS ONLY 1 LETTER OFF MY LAST NAME .SHE JUST SHRUGGED AND SAID THAT IT IS WHAT IT IS AND SHE CAN'T DO ANYTHING ABOUT IT. I ALSO CALLED THE XXXXXXXX XXXX XXXX AND AFTER SEVERAL ATTEMPTS I WAS ABLE TO CALL MR XXXX XXXX AND ASKED HIM ABOUT THIS CASE AND ASKED HIM TO PROVE TO ME THAT THIS IS MY DEBT AND THAT HE HAS TO GIVE ME ANO ORIGINAL APPLICATION AND STATEMENT BUT HE KEPT SILENT AND SAID SOMETHING ELSE. ON THE SAME DAY, FRIDAY, XX/XX/2019 I WENT BACK TO THE POLICE STATION IN XXXX XXXX ONLY BECAUSE FROM MY RESEARCH, I AM ALWAYS ADVISED TO GO AND FILE AN ID THEFT WITH THE POLICE DEPT, STILL THE SAME ANSWER. AND WAS TOLD TO GO TO XXXX XXXX POLICE STATION. SO I DID AND SPOKE TO A COUPLE OF OFFICERS AND TOLD ME THE SAME THING. IT'S NOT ID THEFT COZ IT HAS MY SOCIAL. BUT HOW COME IT IS NOT IN MY CREDIT REPORT? MONDAY, XX/XX/2019 I SPOKE TO OUR ATTY FRIEND, MR XXXX AND HE TOLD ME THAT HE HAD SPOKEN TO THE ATTY IN CHARGE OF THIS CASE ( MR. XXXX XXXX ) AND THAT HE WILL EMAIL HIM A POSTPONEMENT OF THE LEVY. WE ARE STILL WAITING FOR THAT UNTIL THIS TIME. TUESDAY, XX/XX/2019 : XXXX ESCALATIONS DEPARTMENT CALLED AND INFORMED ME THAT THEY WOULD NEED 2 DAYS TO INVESTIGATE ON THIS MATTER AND WILL LET ME KNOW BY THURSDAY. I DON'T KNOW IF THAT IS ENOUGH TIME FOR ME TO BE ABLE TO PUT A HOLD ON THE LEVY UNTIL IT IS FURTHER INVESTIGATED FAIRLY THAT THIS ACCOUNT IS MINE. AFTER A FEW HOURS I CALLED XXXX COMPLAINT AND ESCALATIONS DEPARTMENT AND ASKED THEM FOR A VERIFICATIONS OF DEBT LETTER, I SPOKE TO XXXX AND SHE TOLD ME THAT THEY DONT HAVE THAT AND THAT I NEED TO ASK THE ATTY ASSIGNED TO THE CASE WHO IS MR XXXX XXXX FOR THAT. I KNOW THAT I HAVE ASKED THIS FROM MR XXXX THE TIME I CALLED HIM ON XX/XX/2019 AND ASKED TO FURNISH ME THE ORIGINAL NOTE OF THE DEBT, AND HE JUST KEPT SILENT AND TOLD ME SOMETHING ELSE. ALSO, ON XX/XX/2019, I WENT TO THE SHERIFF 'S DEPARTMENT TO FILE A CLAIM OF EXEMPTION -ENFORCEMENT OF JUDGEMENT. I WAS TOLD THAT THIS COULD HOLD OFF THE DISBURSEMENT OF MY MONEY TO THE CREDITOR. THIS IS IT FOR NOW. I HAVE BEEN SEEKING LEGAL HELP BUT IT SEEMS LIKE IT WILL COST ME THE SAME AMOUNT TO KEEP MY MONEY ( XXXX ) OR EVEN MORE. I REALLY HOPE YOU CAN HELP ME.

CAVALRY INVESTMENTS, LLC

CA

91606

Consent provided

Web

2019-07-17

Closed with explanation

Yes

2017-04-26

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

: I have medi cal Insurance and the y refused to take down information. Please advise to charge : XXXX NJ XXXX XXXX XXXX Member ID YHZ XXXX Member XXXX Provider XXXX Dental XXXX Pharm/Hosp XXXX

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

I.C. System, Inc.

NJ

075XX

Consent provided

Web

2017-04-26

Closed with explanation

Yes

2020-07-08

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

Discharged Chapter XXXX reported XX/XX/XXXX - I have disputed this as the record should have been removed after 7 years. It has not been removed. It is currently affecting my credit score and ability to rebuild my credit score. XXXX Dept of Education Balance {$7200.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. XXXX Dept of Education Balance {$4000.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. XXXX Dept of Education Balance {$1900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. XXXX Dept of Education Balance {$3900.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. XXXX Dept of Education Balance {$9300.00} Reports 5 late payments -- - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX disputed with credit report companies These were not late payments as they were deferred. XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month. XXXX XXXX Credit Card Reports late payment XX/XX/XXXX This payment was covered under payment protection which is a paid for service on my account and covered the payment for the month.

EQUIFAX, INC.

WI

532XX

Consent provided

Web

2020-07-08

Closed with explanation

Yes

2022-11-04

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

Someone has my information & tried to use it, and Im worried about identity theft. I Tried serval times to dispute accounts with credit bureau.According sec 15 USC 1681 ( A ) ( 4 ) Consumer right to privacy 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

EQUIFAX, INC.

CA

94619

Consent provided

Web

2022-11-04

Closed with explanation

Yes

2022-07-03

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, XXXX XXXX XXXX account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48188

Consent provided

Web

2022-07-03

Closed with non-monetary relief

Yes

2019-05-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

329XX

Consent provided

Web

2019-05-07

Closed with explanation

Yes

2023-06-24

Credit card or prepaid card

Store credit card

Incorrect information on your report

Account information incorrect

In accordance with the fair credit Reporting act Comenity bank/ express , has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Bread Financial Holdings, Inc.

TX

77055

Consent provided

Web

2023-06-24

Closed with explanation

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not being shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Bread Financial Holdings, Inc.

FL

33328

Consent provided

Web

2023-08-25

Closed with explanation

Yes

2016-09-07

Debt collection

Other (i.e. phone, health club, etc.)

Disclosure verification of debt

Right to dispute notice not received

I have disputed the debt with Procollection over 6 times. I have not received a response from them. I have provided the necessary fraud forms but I have not received any reply

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

ProCollect, Inc.

TX

79424

Consent provided

Web

2016-09-07

Closed with explanation

Yes

No

2017-06-07

Checking or savings account

Other banking product or service

Problem caused by your funds being low

Overdrafts and overdraft fees

BBVA has refused to refund, credit back {$96.00} in overdraft fees for 2 unauthorized transactions that were only pending on XXXX XXXX, XXXX for {$17.00} and {$19.00} but BBVA had already charged me {$32.00} dated for XXXX XXXX, XXXX when it was XXXX XXXX, XXXX ( they did n't know if it would clear or what they already had charged me {$32.00} and the date for the fee was XXXX XXXX, XXXX when it was still XXXX XXXX, XXXX ) for the transaction that was only pending I did send then an email to tell them the transactions for {$17.00} and {$19.00} was unauthorized and that will fall off or be refunded, credited back to my account and both transactions were credited back on XXXX XXXX for {$17.00} and {$19.00} total amount {$36.00}. When the transactions for {$7.00} did on XXXX XXXX, {$4.00} on XXXX XXXX and {$6.00} did on XXXX XXXX, XXXX all would have cleared if the money was in my account when the unauthorized transactions for ( {$17.00} & {$19.00} ) became pending on XXXX XXXX, XXXX on XXXX XXXX, XXXX I was charged {$32.00} already and it was dated for XXXX XXXX, XXXX and it was XXXX XXXX, XXXX which took more money out of my account that caused my balance to not cover the transactions for {$7.00}, {$4.00}, {$6.00} that were done from XXXX XXXX to XXXX XXXX, XXXX to bounce. I called the company they said those funds will be credited back to my account ASAP sorry for the mistake and they were on XXXX XXXX, XXXX that means that when the items from XXXX XXXX to XXXX XXXX I had the funds in my bank for these items that total {$17.00} would have and should have cleared, that money was put back into my account. BBVA has refused to refund {$96.00} in overdraft fees because they want to charge me OVERDRAFTS FEE 'S for Nothing you cant charge me fee 's if I had the money in the bank you just ca n't take my money just because funds were taken out of my account unauthorized and when that problem has been corrected BBVA wants to still keep and hold on to all of the money they have STOLEN from you cant do that BBVA refund {$96.00} for 3 overdraft fees that came from 2 Unauthorized transactions that was refunded back to my account So, Tell Me BBVA Why Is It That You Feel You Can Keep {$96.00} Of My Money That You Took For 2 Items That Was Unauthorized Transactions That Has Been Credited Back To My Account Which Did Show That If These 2-Unauthorized Transactions Were n't Taken Out Of My Account The Funds Would Have Been In My Account For The 3-Items for {$7.00}, {$4.00} and {$6.00} to clear if these fees were never placed on hold for pending charges it Would & will show the funds were in the account for these items to clear. BBVA has no right to charge me 3 {$32.00} overdraft fees for what now? And what is the reason now BBVA is refusing to refund my money this is Fraud what they are doing and BBVA has been doing this to all of there customers and this is wrong they are just taken customers money for No Reason! So, I want to know what & why they are refusing to return my money ... the money has been returned back to my account which showed the money was in the bank so Why Is BBVA Still Telling me to go get the money from the company??? Fraud, Stealing is what BBVA is doing you can only charge me if I did n't have the funds and that has been shown I had the money now BBVA has to correct the problem on they end which they refuse to do. It is no other reason you can keep 3 overdraft fees for {$32.00} total amount {$96.00} Refund Money ASAP Today ...,

BBVA FINANCIAL CORPORATION

CA

90278

Consent provided

Web

2017-06-07

Closed with monetary relief

Yes

2020-11-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.

CBC Companies, Inc.

TX

77083

Consent provided

Web

2020-11-15

Closed with explanation

Yes

2020-03-28

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

I applied for a Chase Freedom credit card on their website on XX/XX/19. Because there is an extended fraud alert on my credit file, it took an additional 8 days to get approved. I was approved on XX/XX/19 with a credit limit of {$2200.00}. I did not receive and activate my card until XX/XX/19. At that time I setup my online account and activating of my free credit monitoring account. Shortly after, about 8 days, my card/ was cancelled and the account closed. I did not receive any notification prior to doing that from Chase. I contacted Chase several times and was not given a clear explanation as to why I was approved for an account and then 8 days later it was closed by Chase. I received notifications from my credit monitoring apps that there was a closed account added to my credit file by Chase for this credit card that they closed. It caused my credit score to drop substantially.I contacted Chase and also wrote then goodwill letter asking to remove this account, as it was closed without explanation and also only open 8 days. I also explained to them that credit reports every 30 day account info and this account was not open even 14 days to report anything. I advised them that creditors aren't required by law to report borrowers ' account information to the credit bureaus. They replied back that they are with no documentation backing up that claim. I also notice conflicting info on each credit bureau report about this Chase account. XXXX is listing a open date of XX/XX/19 and a close date of XX/XX/19. XXXX is listing an open date of XX/XX/19 with a close date of XX/XX/19. XXXX is listing an open date of XX/XX/19 and a close date of XX/XX/19 As you can see, these dates contradict and do not coincide with the dates that were actually listed as the application, approval, and activation of this account. So I would like Chase to please petition to remove this account from my credit file on all credit reporting agencies.

JPMORGAN CHASE & CO.

TX

78727

Servicemember

Consent provided

Web

2020-03-28

Closed with explanation

Yes

2022-11-15

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

Credit reporting

Incorrect information on your report

Account information incorrect

INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, XXXX HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance.

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

Experian Information Solutions Inc.

TX

75241

Servicemember

Consent provided

Web

2022-11-15

Closed with explanation

Yes

2023-01-05

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

For more than 5 months I am trying to fix the errors about some debts that appear in my name. I call the accounts and no one gives me information. I also made several disputes with the credit bureaus and none have been answered. there are XXXX accounts with different amounts.

EQUIFAX, INC.

FL

33018

Consent provided

Web

2023-01-05

Closed with explanation

Yes

2018-07-13

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

Debt went in collections. It was paid as agreed had contacted both the creditor and debt collector about reporting it correctly. Neither would acknowledged me and my problem

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

WELLS FARGO & COMPANY

NJ

07621

Consent provided

Web

2018-07-17

Closed with non-monetary relief

Yes

2019-05-09

Checking or savings account

Other banking product or service

Managing an account

Problem accessing account

As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud, corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving my rights.

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

WELLS FARGO & COMPANY

VA

22041

Consent provided

Web

2019-05-09

Closed with explanation

Yes

2018-04-12

Credit card or prepaid card

General-purpose credit card or charge card

Incorrect information on your report

Account status incorrect

Navy Federal has been contacted about an account that was settled for less. This was done via agreement made and they continue to report the account as being late for 30 days. They have not updated the credit bureaus to reflect that the account was paid/settled. They are reporting the card as late with a date that the card was already paid in full per a confidential agreement. While I no longer have this credit card it is harming me that they continue to report the card as 30 days late which is not correct as I do not have a credit card with them and have paid in full the settlement amount. I found this on all my credit report with multiple credit reporting agencies. Therefore, I need the correction to be made with XXXX, XXXX, and XXXX XXXX. Upon making the request the bank refused to make any further reporting to the bureaus as they had the settlement money and didn't need to continue to report. They reporting information from XX/XX/2017. The balance has been XXXX for quite some time now and they continue to report either a balance or late pay which has impacted my credit report. I advised them that the reason for the settlement was to clear my account balance and not have this show up as a late pay after being paid in full.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

CA

95747

Consent provided

Web

2018-04-12

Closed with explanation

Yes

2022-06-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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. The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXXXXXX XXXX XXXX XXXX collection for {$2700.00}. Account # XXXX XXXX XXXX XXXX Installment loan collection for {$2600.00}. XXXX XXXX XXXX collection for {$1200.00}. XXXX XXXX XXXX XXXXXXXX XXXX XXXX collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. XXXX XXXX : XXXX XXXX collection for {$340.00}. XXXXXXXX XXXX XXXX XXXX XXXX collection for {$230.00}. XXXX XXXX : Secured loan collection for {$150.00}. XXXX XXXX XXXX XXXX XXXX insurance collection for {$140.00}.

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

Experian Information Solutions Inc.

NV

894XX

Consent provided

Web

2022-06-11

Closed with explanation

Yes

2018-02-20

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

This company initially called and would not explain why they were calling me. When I said I would hang up if they did not state who they were & why they were calling then the female caller just said " okay '' and hung up. Today I got a collection notice from Diversified Consultants Inc ( same as the caller ) saying I owed {$28.00} for XXXX. I resolved the bill with XXXX years ago and closed the account. The XXXX bill was resolved after reporting XXXX with the FCC for poor service. I have not had XXXX for 3 years or more. I do not owe XXXX anything at all. After seeing reviews about DCI and seeing people say DCI is " taking advantage '' of the data breach of one of the credit reporting agencies I feel I may be getting scammed.

Diversified Consultants, Inc.

TN

37921

Consent provided

Web

2018-02-20

Closed with non-monetary relief

Yes

2019-06-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XXXX of 2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my XXXX and Trans union reports.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30046

Consent provided

Web

2019-06-27

Closed with explanation

Yes

2023-02-13

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

This is a XXXX home internet account that was paid in full when the service was canceled. The equipment was returned. I do not owe anything on this account. I have attempted to contact both the original creditor, XXXX XXXX and the collection agency, Amsher Collection Services . Amsher does not have any information about why XXXX claims there is a {$280.00} balance, and XXXX will not send me any documentation or accept payment unless I complete an " identity verification '' process that requires visiting a XXXX store. However, I am unable to complete XXXX 's " identity verification '' process because XXXX stores are unable to assist with home internet accounts that were opened online, as mine was.

Company believes it acted appropriately as authorized by contract or law

Amsher Collection Services, Inc.

TX

770XX

Consent provided

Web

2023-02-13

Closed with explanation

Yes

2023-07-23

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

Credit reporting

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

Their investigation did not fix an error on your report

I am filing this dispute against EXPERIAN for unfair and inaccurate credit reporting for an unvalidated All In FCU Charge Off/Other Derogatory account. I have made four attempts to resolve the matter with All In FCU and Experian. I have disputed this account without any action which is a violation of The Fair Credit Reporting Act. Charge Off definition based on Experian : A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. Per the comments reflecting on my credit report : Unpaid balance reported as a loss by credit grantor. I requested a 1099 from All In CU by certified mail and did not receive a response. I called to follow up and spoke to XXXX XXXX and was informed I would not receive a 1099. I am disputing payment history. This account date open is XX/XX/XXXX. That requires 5 years of payment history. This account is missing 37 months of that is required to make this account accurate and complete. Based on payment history is account does not reflect any payment history reporting from XXXX XXXX. Based on the reporting of this account it must be deleted based on FCRA Section 623 Responsibility of the furnisher of information to the Consumer Credit Reporting Agency Please delete the account the creditor is not reporting accurately on this account. The account is currently reflecting inaccurately each month to date as CO/Late payment and the account has been closed since XXXX. According to FCRA Section 623 the clause states that it is illegal for a closed/charge off account to report after the close date. Delinquent payments can only reflect on an open account. The account is a charge off and should not be reporting late and severely affecting my credit. This is inaccurate information and I demand the charge off to be deleted immediately from my credit report. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. They need to be held of violation of the consumer 's law.

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

Experian Information Solutions Inc.

AL

36507

Consent provided

Web

2023-07-23

Closed with explanation

Yes

2020-02-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX ARKANSAS XXXX {$170.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AR

72113

Consent provided

Web

2020-02-10

Closed with explanation

Yes

2021-06-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Collection account from XXXX XXXX XXXX should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX

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

Experian Information Solutions Inc.

FL

33139

Consent provided

Web

2021-06-28

Closed with explanation

Yes

2021-06-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I 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.

Santander Consumer USA Holdings Inc.

SC

29223

Servicemember

Consent provided

Web

2021-06-08

Closed with explanation

Yes

2018-02-22

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

Capital One XXXX XXXX card is charging me 30.65 APR. The posted APR on the Capital One website is 24.99. I'm also being charged a {$59.00} interest rate which is incorrect. The posted rate on the Capital One site shows {$39.00}. Thirdly, my rate should be capped at 6 % due to XXXX XXXX service. I have tried for over a year to correct this issue with Capital One with no success. The problem started when Capital One purchased XXXX. My original card was with XXXX, which I had no issues. When Capital One purchased it, everything changed for the worse. I have other Capital One accounts which are correct, but Capital One refuses to correct this account because they are taking a large amount of money from me each month. I've tried so many times to resolve this issue with Capital One, but it's hard to solve it when everytime I call, I'm speaking to someone in another country that can't speak basic English. This is so frustrating.

CAPITAL ONE FINANCIAL CORPORATION

MS

396XX

Consent provided

Web

2018-02-22

Closed with monetary relief

Yes

2023-07-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXXXXXX ) XXXX Balance : {$570.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

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

Experian Information Solutions Inc.

AR

72120

Consent provided

Web

2023-07-29

Closed with explanation

Yes

2021-03-30

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

Below is the letter I have emailed and submitted by online complaint. I have also explained this and much more on many phone calls as well. GM has a very serious problem with communicating with a customer once a problem is identified. A month or so back I made a verbal complaint and I have a case # of XXXX. I have not had any luck at all with these methods. Please review this and let me know how we can resolve this. Thank you, GM FINANCIAL, XXXX. # XXXX I am contacting your because I want to resolve the problem with my account and have always been willing to do so. I paid off this account on XXXX XXXX 2020. I printed a confirmation at that time. The next day I received an email confirmation stating that no further action is required your words not mine, I printed that as well. On XXXX XXXX 2020 on received the Title to vehicle in question in the mail. It is a clear title in my name with no lien. On XXXX XXXX 2020 I received an email stating you had great difficulty contacting me which is not true- this is the first notice I had that there was any kind of problem and it did not state what the problem was. I called to see what the problem was and your agent told me that my check bounced. I will not put up with an accusation like this from anyone, especially when it is not true. My bank always calls me if there is a problem with any of my accounts because they do not want to make me mad. Since then I have called several times to try to get this resolved. Your people are not trained very well and are not willing to report this to someone who can help resolve this problem. I will be glad to pay you the {$6200.00} that you did not get the first time if you will produce 3 things. 1 A letter guaranteeing that GM Financial will not report any negative information about me and this account to any and all entities and persons and guaranteeing that GM Financial will remove any negative information that has been reported to any and all entities and persons about me and this account. 2 An explanation of how this happened why you waited so long to contact me. 3 Some kind of credit for my damages. I have not been able to use and enjoy my vehicle because you have informed me that my vehicle would be repossessed and I have had 2 repo companies contact me regarding this issue. I am always negotiable and am willing to live up to my part of this thing. It will take reasonable communication from GM Financial to do so. Thank you, XXXX

General Motors Financial Company, Inc.

TX

XXXXX

Consent provided

Web

2021-03-30

Closed with explanation

Yes

2022-12-06

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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.

TX

76119

Consent provided

Web

2022-12-06

Closed with explanation

Yes

2022-01-20

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

Credit reporting

Incorrect information on your report

Personal information incorrect

On my credit reports from all 3 main agencies XXXX, Equifax, and XXXX shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my credit score.

EQUIFAX, INC.

CA

91401

Consent provided

Web

2022-01-20

Closed with explanation

Yes

2022-04-24

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

I wasn't aware of this date Not even the service And I definitely have insurance

Durham & Durham, LLP

GA

30310

Consent provided

Web

2022-04-24

Closed with explanation

Yes

2022-07-18

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I was in XXXX XXXX from XX/XX/XXXX until the morning of XX/XX/XXXX, and my debit card was stolen. I didnt realize that my card was missing until XX/XX/XXXX afternoon. By that time, someone used my debit card in over a dozen locations, totaling over {$1100.00} dollars spent in less than 24 hours. They didnt have my pin and were using it like a debit card, Valley had no internal controls in place and never froze the card or blocked a transaction. When I called to dispute, I received a letter 10 days later from XXXX XXXX stating that my statements were inconsistent and that I can call back to appeal. Over a month since the letter has passed, I tried calling her hundreds of times and always go straight to voicemail. I am disgusted by the customer care at this bank, I am XXXX XXXX XXXX and had an account with them since I was an XXXX and this is my first ever dispute

VALLEY NATIONAL BANCORP

NJ

076XX

Consent provided

Web

2022-07-18

Closed with monetary relief

Yes

2023-05-22

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

Credit reporting

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

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

EQUIFAX, INC.

NY

10566

Consent provided

Web

2023-05-22

Closed with non-monetary relief

Yes

2021-12-09

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

I am writing to inform you and to dispute a credit card issue. I was approved for a credit card with AvantCard on XXXX XXXX in the amount of {$300.00}. On XX/XX/2021 at XXXX EST, I received an email from AvantCard saying " this email is to confirm that your AvantCard has successfully activated! I called customer service at XXXX and informed them that I never received a card, so how could the card be activated. The representative informed me that a statement was due in XXXX days and that the card was used in Washington DC. The representative proceeded to cancel the the card and said that a new card was issued. I received the new card, activated that card and attempted to use the card and it declined. I called customer service again, and was told by the representative that I was responsible for a card that I never received. I also asked the question how was the card activated without a social security number. I am kindly asking that this matter be investigated.

Avant Holding Company, Inc.

MD

20746

Consent provided

Web

2021-12-09

Closed with explanation

Yes

2022-04-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

308XX

Consent provided

Web

2022-04-22

Closed with non-monetary relief

Yes

2019-02-03

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

In XXXX of XXXX we signed with XXXX XXXX XXXX, our account is with XXXX XXXX XXXX. This was for debt relief from credit cards. A woman came over the house, to which I later found out she was a third party. I received a packet in the mail from XXXX XXXX XXXX XXXX. To which I thought great. Only to find out that the main firm is XXXX XXXX XXXX XXXX which hires out third parties. My husband and I agreed that they XXXX XXXX XXXX would take XXXX from my husbands social security check only because I am the main supporter of the house. We have been paying since XXXX, that equals {$4200.00}. I checked with XXXX and we only have a balance of {$590.00}. I am now being sued by Discovered. I can not afford to have my paycheck garnished I am the main supporter of this house. I have all documents printed, with all fees and charges. They have not contacted any one. I with each phone call that came in gave them their number like I was told to do. My husband has debt collector letters coming in. I had called them to cancel the contract, they told me I had to do it with XXXX XXXX she said gXXXX XXXX was only a third party and she can not do it. I sent my husband to the bank to stop payment yesterday on XX/XX/XXXX, to which we had to pay XXXX to do that. My email is XXXX. XX/XX/XXXX XXXX fee and also XXXX fee.dec, XXXX XXXX, fee dec. XXXX XXXX fee. XXXX XXXX fee it goes on and on I have all documents printed beginning in XXXX when they started taking the money out We just want our money back and something to be done so my check don't get garnished. Please help.

DISCOVER BANK

NJ

07747

Consent provided

Web

2019-02-03

Closed with explanation

Yes

2020-09-02

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX and Equifax continue to report negative fradulent information on my credit report. They are in violation of the FCRA

EQUIFAX, INC.

FL

32304

Consent provided

Web

2020-09-02

Closed with explanation

Yes

2023-02-17

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Unable to receive car title or other problem after the loan is paid off

The car was paid off in XXXX I was told the lien release was sent to me I never received it. The call was totaled and before the insurance company will send me the check for the loss they need the lien release I called GM financial on XXXX the XXXX and asked if they would fax it to the insurance company I was told they would but it could take 3 to 5 business days. My wife called Monday and spoke to a someone and asked if they could expedite the situation the contact was extremely rude and told her they had 3 to 5 business days. I called on the XXXX and was told they had 3 to 5 business days. As of the XXXX the insurance company still has not received the lien release.

General Motors Financial Company, Inc.

MO

63368

Consent provided

Web

2023-02-17

Closed with explanation

Yes

2022-10-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I XXXX XXXX, Consumer and natural person am a victim of identity theft. XXXX, equifax and XXXX has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.

EQUIFAX, INC.

NY

10940

Consent provided

Web

2022-10-18

Closed with explanation

Yes

2023-03-23

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 inquiries. 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.

NY

103XX

Consent provided

Web

2023-03-23

Closed with explanation

Yes

2022-04-07

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, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.

EQUIFAX, INC.

OH

441XX

Consent provided

Web

2022-04-07

Closed with explanation

Yes

2021-03-21

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

In early XXXX I opened a XXXX credit card account which was serviced by XXXX XXXX. I made purchases and paid my bill on time. In XXXX, Citibank took over some of XXXX credit accounts. I did not make any purchases after Citibank took over my account. I continued to make payments through the same portal I had been using for months, through XXXX. In XX/XX/XXXX, I paid the remaining balance in full. Ive been contacted numerous times by Citibank saying that I owe hundreds of dollars that Ive already paid off through XXXX. These charges include multiple late fees and interest charges. Ive tried contacting Citibank, but was told I have to get my money back from XXXX so I can give it to Citibank. From a consumer point-of-view this is very confusing. It was very hard to get in touch with a representative as they only offer a customer service phone number, no other way to solve this miscommunication. I dont think this is an error on my part. I owed money to a company that I borrowed from, and I paid it back. It seems that Citibank and XXXX do not have an effective plan in place for how to professionally handle the accounts transition. Citibank is now reporting to credit bureaus that I owe money. I never even made any charges on the account since Citibank took the account over. These two companies need to get together and share information. Citibank is now harassing me and incorrectly reporting a balance due which is devastating my credit which Ive worked for the past three years to rebuild.

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

CITIBANK, N.A.

WI

54911

Consent provided

Web

2021-03-21

Closed with explanation

Yes

2022-06-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

125XX

Consent provided

Web

2022-06-24

Closed with non-monetary relief

Yes

2019-01-06

Vehicle loan or lease

Loan

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

XX/XX/2016 the vehicle was repossess and sold at an later, the total amount on the vehicle was {$5500.00} at the time of the repossess. I had written the company and requested a copy of how much the vehicle was sold at. Also, request that the company updated with all three credited bureau, the company refuse to do sent me any information or update my information with all three credit bureau. In addition, I have disputed this account with XXXX, XXXX, and XXXX. No changes have been made with the credit bureau 's. In addition, the company sold me a car with a salvage title without my knowledge.

The LGM Co., Inc.

NC

28262

Consent provided

Web

2019-01-06

Closed with explanation

No

2021-11-22

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

Credit reporting

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

Investigation took more than 30 days

XXXX. XXXX XXXX XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX. I immediately disputed this information with XXXX XXXXF XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX

EQUIFAX, INC.

CA

954XX

Consent provided

Web

2021-11-22

Closed with explanation

Yes

2018-07-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On Thursday XX/XX/XXXX I reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act. I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.

EQUIFAX, INC.

IL

60619

Consent provided

Web

2018-07-14

Closed with explanation

Yes

2023-01-20

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

Credit reporting

Incorrect information on your report

Account information incorrect

On around or about XX/XX/2022, my score dropped XXXX points from TransUnion. All I see is XXXX changes for this action. XXXX XXXX services account balance increased by {$55.00}. XXXX XXXX increased by {$2400.00}. I can't see my score dropping XXXX points for this. The other XXXX XXXX score drop XXXX points not XXXX. I want a re-evaluation of my score. I think this is wrong.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WV

254XX

Older American, Servicemember

Consent provided

Web

2023-01-20

Closed with explanation

Yes

2022-12-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

CA

91911

Consent provided

Web

2022-12-19

Closed with non-monetary relief

Yes

2015-06-30

Debt collection

Auto

Cont'd attempts collect debt not owed

Debt is not mine

I've asked Chase numerous times to provide proof that this debt belongs to me - as it did and does not. They provided documents from the dealership that did NOT have my signature and where there was a signature it did NOT match that of my own. When I called and wrote to them questioning this, I was given the run around and nothing was done about it - yet it is till on my credit report as a repossession.

JPMORGAN CHASE & CO.

MA

01915

Consent provided

Web

2015-06-30

Closed with explanation

Yes

No

2020-07-11

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2020 my wife & I purchased a vacation through XXXX XXXX to the XXXX XXXX XXXX XXXX XXXX - Amount {$8300.00} 1. The travel was to take place XX/XX/2020 and return on XX/XX/2020. 2. Due to the Corona Virus the flights were cancelled and no possible way to get to XXXX XXXX XXXX XXXX XXXX XXXX owned by XXXX was closed. 3. We had been in contact with XXXX XXXX prior to the XX/XX/XXXX departure due to worries of travel plans and whether or not we would go since we have a XXXX year old and XXXX year old. Since the airline cancelled our flights and the resort was closed that made our decision for us and we never were able to attend the trip we had paid for. 4. XXXX XXXX refunded our airfare, but not our lodging with the XXXX XXXX. They played games and said we can give you a voucher for a year or two from now. They will not refund the money 5. I contacted my credit card company on XX/XX/2020 I disputed the charge of {$8300.00} with USAA Bank. 6. USAA had refunded me the money initially and reviewed the dispute. I had provided the requested documentation and then USAA put the charge back on my card XX/XX/2020. 7. I had called in immediately to USAA telling them I was not paying for something I could not get to due to the flights being cancelled & resort being closed and whatever further information and documentation they require to substantiate my dispute I had no problem sending them. 8. On XX/XX/XXXX the {$8300.00} was credited for a second time to the account. 9. No further requests were made by USAA bank for additional information to substantiate my dispute. 10. XX/XX/2020 USAA never contacted me nor requested further information regarding my claim and put the charges of {$8300.00} back on my credit card. 11. Around XX/XX/XXXX I received a letter from USAA Bank stating that they would not credit me the {$8300.00} and that I had to work it out with the merchant directly. 12. I had called USAA to request further clarification why my claim was denied and they sent me off to various divisions and nobody has ever returned my calls to discuss additional steps to remedy the issue 13. I had contacted XXXX XXXX around XX/XX/XXXX and spoke with a woman by the name of XXXX at Phone number XXXX XXXX XXXX XXXX. She was nice and attempted to be accommodating at first, but would not refund my money. Her claim is that XXXX will not refund money. 14. Part of the XXXX XXXX Contract is a Force Majeure Statement that XXXX XXXX is saying why they don't need to refund my money. 15. In the Force Majeure Clause there is no mention of pandemic, epidemic, quarantine or diseases. 16. From my side XXXX XXXX is admitting they did not nor can they provide their contractual obligations and therefore the contract is null and void. 17. I was never given any notification of Force Majeure by XXXX XXXX prior to XX/XX/2020 nor during my submitting my credit card disputes until XX/XX/2020. 18. To date I have nothing in writing from XXXXXXXX XXXX stating when travel can begin again. 19. The current situation is I now have a credit card company - USAA Federal savings bank that wants nothing to do with the dispute except for me to pay them for a trip that was never taken nor could be taken due to the Corona virus.

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

NY

106XX

Consent provided

Web

2020-07-11

Closed with explanation

Yes

2022-11-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am currently a victim of the XX/XX/2017 Equifax data breach due to cyber criminals. Because of these unlawful action I am now in jeopardy of identity theft. Im learning how to and taking action to protect my credit data adding fraud alert to credit report. Seeking support to help with this stressful offense to my information.

EQUIFAX, INC.

VA

23234

Consent provided

Web

2022-11-10

Closed with explanation

Yes

2021-10-07

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

Credit reporting

Incorrect information on your report

Personal information incorrect

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for 5 times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33461

Consent provided

Web

2021-10-07

Closed with explanation

Yes

2021-08-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please help me and resolve my difficult situation. Surprisingly I have items that are not mine. I am victim of identity theft and someone just used my personal information. I do not know what to do now ... there are few of them and they just killed my score completely. Please I m asking you to investigate- this is nonsense! Please remove these items ASAP

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33027

Consent provided

Web

2021-08-01

Closed with explanation

Yes

2021-03-23

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

Purchase Date : XX/XX/XXXX Product : XXXX XXXX XXXX XXXX XXXX XXXX : Apple Card Card Issuer : Goldman Sachs Problem : Apple Card Monthly Installment Plan For specific Apple products purchased with Apple Card. Amount : {$810.00} Installment amount : {$34.00} I purchased the XXXX XXXX XXXX on XX/XX/XXXX under the Apple Card Monthly Installment Plan for Apple products. The total amount, {$810.00} was applied in full to my Apple credit card. Not the monthly installment amount, {$34.00}. As a result, my available credit for purchase was reduced, an increased total remaining card balance, and Apple Card has reported information to the Credit Bureaus suggests a higher credit utilization rate with this card. During the phone call with the Apple Card Specialist, who helped me with the application and applying for the Monthly Installment Plan didnt fully disclose how the Monthly Installment Plan works or potential effects to credit and credit availability and overall interest charges that potentially will arise. Additionally, I have read and reviewed the availability information on the Apple Card website and the terms and conditions available in the Apple Card Customer Agreement pertaining to the Monthly Installment Plan. There is no mention, directly or indirectly of, the amount of the product being charged in full to the consumers credit card when purchased under the Monthly Installment Plan. Moreover, the consumer is forced to pay off their card balance in full before paying off the product purchased under the monthly installment plan. Apple Card & Goldman Sachs has drastically infringed on consumers abilities to manage personnel debts. For example the strategy of paying down/ off debts with the lowest interest rate. I am also concerned with interest charges. Apple states, customers wont pay interest on the specific item purchased on their card under the monthly installment plan. However, as I mentioned before, the total amount was applied to my card increasing my total card balance amount remaining/ owed. To my understanding interest charges are calculated using ones total card balance amount remaining/owed. I have reached out to Apple Card Services. I have talked with numerous Card Services Specialist and Supervisors on various occasions regarding my complaint. However, I have not heard from anyone else from Apple Card Services regarding my complaint. Moreover, in the documents and areas of information available to consumers previously mentioned it further creates confusion about the monthly Installment plan and is misleading when Apple/Goldman Sachs stated eligibility is subject to credit approval. Which suggests consumers will be subjected to another credit check to determine credit worthiness for the monthly installment plan separate from the current credit card account currently held. Lastly, the charges for the monthly Installment plan is always charged after the close of a billing cycle, creating a new charge for the next billing cycle even if I hadnt made no other purchases to produce a new bill

GOLDMAN SACHS BANK USA

OH

44122

Consent provided

Web

2021-03-23

Closed with explanation

Yes

2020-06-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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

Experian Information Solutions Inc.

AR

72223

Consent provided

Web

2020-06-25

Closed with explanation

Yes

2023-06-29

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

Credit reporting

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

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

EQUIFAX, INC.

TX

76132

Consent provided

Web

2023-06-29

Closed with non-monetary relief

Yes

2021-11-08

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

XXXXefferson Capital have been sending me letters stating I owe a debt that I do not owe. I have no binding contract with their company. I have never done business with Jefferson Capital. I have sent them letters asking that they validate the debt and instead they continue to send me letters giving me payment options to settle a debt that is not mine. This negative account is reporting on my consumer credit report tarnishing my reputation and its becoming depressing/stressful.

CL Holdings LLC

TN

37075

Consent provided

Web

2021-11-08

Closed with explanation

Yes