Datasets:

aciborowska

/

customers-complaints

like 1

2021-09-25

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

Credit reporting

Incorrect information on your report

Account information incorrect

Experian keeps reporting late payment on my credit report for the month of XX/XX/2021. THis is inaccurate. I've reached out to them XX/XX/2021 disputing this but no response or action to remove this has been taken.

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

Experian Information Solutions Inc.

CO

80017

Consent provided

Web

2021-09-25

Closed with explanation

Yes

2023-08-18

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33909

Consent provided

Web

2023-08-18

Closed with non-monetary relief

Yes

2018-01-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

fraud and Id theft, police reports # XXXX ( fraud ) # XXXX ID theft

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77083

Consent provided

Web

2018-01-27

Closed with explanation

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

There is fraud on my account. I did not authorize any credit reporting on my report. 12 CFR subsection 1022.3. Anything added to my credit report without my knowledge is fraud. There are a lot of discrepancies on my credit report which needs to be fixed.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Servicemember

Consent provided

Web

2023-08-25

Closed with non-monetary relief

Yes

2022-01-19

Debt collection

Mortgage debt

Communication tactics

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

I previously rented a property in XXXX IL XXXX through XXXX XXXX and moved into the property on XX/XX/XXXX. Upon move in we were told by property management one parking space is included with rent. While living on the property we never paid any parking fees or was told to purchase any parking sticker. While on the property we incurred many maintenance issues that became unresolved with XXXX XXXX. In XXXX of XXXX I received an email that XXXX XXXXe would now be taken over by XXXX XXXX XXXX XXXX. I forwarded the many maintenance issues over to XXXX XXXX which for the duration of the stay on the property still had not been resolved. In XXXX of XXXX my car was towed from the property in which I incurred towing costs to retrieve it. I had never been notified of any parking changes. After complaining about this issue to XXXX XXXX I was given the contact info for the HOA which had never been provided to us against our many requests at the initial move in. After speaking with the attorney for the HOA XXXX XXXX I was advised by her to stop paying rent to XXXX XXXX XXXX and she made accusations of them not being legitimate. XXXX XXXX claimed to have contacted XXXX XXXX regarding the new parking changes which required tenants to purchase a sticker to be able to utilize the property parking. XXXX XXXX XXXX claimed to have never received anything nor did they provided us with any information. XXXX XXXX XXXX refused to refund the cost of towing expenses. Because of this I became frustrated with the lack of competency from unresolved maintenance issues to the matter of the parking and towing issue and decided best to terminate the lease early. I was advised by XXXX XXXX that I could make a formal complaint against XXXX XXXX on XXXX website which I did. Shortly after I was contacted by the XXXX XXXX XXXX lawyer XXXX XXXX to negotiate an agreement in which I would be able to terminate my lease early if I had removed my complaint from the website. The time frame given was unreasonable due to the fact that I had just had a baby and dealing with XXXX issues and wanted to take care in finding something that wouldnt give us a hassle the way XXXX XXXX had. XXXX XXXX was unwilling to accept the terms of me not paying any rent going forward and moving out of the property once proper housing had been found for my family and IXXXX XXXXXXXX XXXX had also falsely closed my utilities account with XXXX and peoples gas and had it transferred in their name to be able to bill us directly from their XXXX company. I had never authorized for this to happen. I vacated the premises on XX/XX/XXXX of XXXX and notified XXXX XXXX XXXX as well as their attorney XXXX XXXX. A forwarding address was never provided on my end and all contact which had been happening via email had ceased. Now my husband and I are receiving calls from a company IQ data international regarding a {$6000.00} debt from XXXX XXXX. They frequently call I or my husband refuse to provide any documentation regarding the debt and bully us over the phone. I would like this debt collection agency to stop harassing my husband and I until we see proof of this debt. XXXX XXXX XXXX who has our contacts never reached out regarding a debt or anything we owe and now several months later my husband and I are getting these harassing calls and its always the same person calling. I have made attempt to call and was put on hold to be connected to the same person who has called talking so aggressively. I asked to provide a forwarding address in which all debt documents could be sent and this person refused because I was not willing to fill out a hardship application over the phone. I need the harassment to stop. I have reached out to an attorney who provided me this website to complain because everything I explained to her sounded sketchy.

T.S. Holdings

IL

60645

Consent provided

Web

2022-01-20

Closed with explanation

Yes

2022-08-31

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

EQUIFAX, INC.

TX

75063

Consent provided

Web

2022-08-31

Closed with explanation

Yes

2019-05-17

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

Im reviewing my credit card statements for the past three months. My overall balance is decreasing, but the interest charges are going up every month. For XX/XX/XXXX the balance is {$300.00} higher than the XX/XX/XXXX statement, but the interest charges for XX/XX/XXXX are {$5.00} more.

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

CITIBANK, N.A.

IN

46307

Consent provided

Web

2019-05-17

Closed with explanation

Yes

2022-04-06

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

Credit reporting

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

Was not notified of investigation status or results

There are accounts under my name that are reporting INACCURATE and UNAUTHORIZED inquiries that are violating my FCRA rights. I already files a proper documentation regarding these accounts and I have attach documents for these accounts I am complaining.

EQUIFAX, INC.

TX

77657

Consent provided

Web

2022-04-06

Closed with explanation

Yes

2023-02-23

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

Credit reporting

Incorrect information on your report

Account information incorrect

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21117

Consent provided

Web

2023-02-23

Closed with non-monetary relief

Yes

2020-03-13

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

I CONTACTED THIS COMPANY ARS IN AN ATTEMPT TO CLEAR UP THIS MATTER BUT WAS UNSUCCESSFUL. THE REP WAS RUDE AND DISRESPECTFUL

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

HCFS Health Care Financial Services, Inc.

NJ

08016

Consent provided

Web

2020-03-13

Closed with explanation

Yes

2020-01-22

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

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

Lowes credit card ( synchrony bank ) is turning down my dispute for roughly XXXX $ they lied on the phone and said all my signatures are on the receipts with in the 56 transactions Ive opened 5 claims sinceXX/XX/XXXX sent affidavits which they say they never received which Ive mailed faxed everything. They wont send me the proof of receipts with the signatures. This is ruining my credit and they are breaking their 100 % fraud they had in there forms when I applied for the credit card and they have record of my account being hacked and turned over with other peoples information took me months to get the info changed back to my information. I just want this dispute closed and off my records worst credit card services with no protection would high recommend to not do anything through synchrony bank

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

SYNCHRONY FINANCIAL

DE

199XX

Consent provided

Web

2020-01-22

Closed with explanation

Yes

2023-04-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Dear, Consumer Financial Protection Bureau, I am writing to dispute two late payment entries on my credit report that were reported by Capitol One Bank, XXXX. The account in question is a credit card account that I have held since XX/XX/XXXX. I have disputed this with Capital One but XXXX did not take it off my credit report. These late payments were not intentional and were a result of unforeseen circumstances that occurred during that time. I have never missed a payment on this account, but due to financial hardship, two payments were made late. As you may be aware, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was passed in XXXX of XXXX to provide financial relief to individuals and businesses affected by the pandemic. The CARES Act included provisions that allowed borrowers to request forbearance on certain types of loans, including credit card accounts, for up to six months. I was unaware of this option at the time and therefore did not request forbearance for my Capital One account. Furthermore, the negative impact that these late payments are having on my XXXX credit report is causing additional financial hardship as it is impacting my ability to obtain credit at favorable terms. This is particularly concerning as I am now in a better financial position. I have now stabilized and have been making timely payments since then. I am therefore requesting that you remove these late payment entries from my credit, as they are not a true representation of my creditworthiness. I would like to bring to your attention that during my XXXX XXXX with the XXXX, I was a member of the Servicemembers Civil Relief Act ( SCRA ) with Capitol One. Throughout my time of service, Capitol One was very supportive of my military commitments, and they extended their support to me during my financial hardships and always applied my benefits to me so that I was able to maintain a credit history. Although I am now a XXXX XXXX XXXXXXXX veteran, I still appreciate what they have done for me in the past. I would like to request that Capital One remove the two late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies and furnishers of credit information report accurate and complete information. If the consumer did not provide written consent to Capital One Bank to report to the credit bureaus, they may have grounds to dispute the accuracy of the information being reported on their credit report, and request that Capital One Bank remove any negative information that was reported without their consent. I would also like to request that you confirm the removal of these late payments in writing and provide me with a copy of my updated credit report. Thank you for your time and attention to this matter. I look forward to hearing back from you. Sincerely, Consumer

CAPITAL ONE FINANCIAL CORPORATION

GA

30127

Servicemember

Consent provided

Web

2023-04-22

Closed with non-monetary relief

Yes

2020-06-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

EQUIFAX, INC.

TN

38016

Consent provided

Web

2020-06-03

Closed with explanation

Yes

2022-04-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

EQUIFAX, INC.

FL

34221

Consent provided

Web

2022-04-05

Closed with explanation

Yes

2022-12-27

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

Credit reporting

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

Their investigation did not fix an error on your report

I WAS NEVER LATE ON THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan

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

Experian Information Solutions Inc.

PA

19122

Consent provided

Web

2022-12-27

Closed with explanation

Yes

2022-09-03

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 Source XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

EQUIFAX, INC.

WY

82009

Consent provided

Web

2022-09-03

Closed with explanation

Yes

2023-06-14

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX

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

Experian Information Solutions Inc.

CA

92392

Consent provided

Web

2023-06-14

Closed with explanation

Yes

2023-02-03

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. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C- 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXX account number # XXXX Name= XXXX XXXXXXXX account number # XXXX Name= XXXX XXXX # XXXX Name= XXXX XXXX # XXXX Name= XXXX XXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX # XXXX Name= XXXX XXXXXXXX XXXX # XXXX Name= XXXX XXXX XXXX # XXXX Name= XXXXXXXX XXXX XXXXXXXX # XXXX Name= XXXX # XXXX Name= XXXX XXXXXXXX # XXXX Has violated my rights.. 15 U-S-C 1681 Section 602 A- Stat 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 instruction. 15 U-S-C- 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other advice item of information, other than records of conviction of crimes which antedates the report by more than seven years. 15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the infomation is inaccurate.

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

Experian Information Solutions Inc.

GA

30281

Consent provided

Web

2023-02-03

Closed with non-monetary relief

Yes

2019-07-22

Student loan

Private student loan

Dealing with your lender or servicer

Don't agree with the fees charged

I have been paying my loans for years now and its only getting worse. I was paying XXXX which is almost all of my paycheck for two weeks. They call from unfamiliar numbers at all hours of the day. On XX/XX/XXXX they called me at XXXX in the XXXX. I picked up and the person on the line was rude and demanded that I give them money. I felt cornered, but I wasnt even sure if it was them because they call from a new number every time. Today I looked into a loan because they said I need to pay, and they told me that I had to pay XXXX dollars to go into forbearance. I feel hopeless when I call, like Im not really going to be helped, I feel like Im being coerced into paying more money than I have. They refuse to go below XXXX but thats still half of one paycheck. I felt like I was in a standoff.

Navient Solutions, LLC.

CT

060XX

Consent provided

Web

2019-07-22

Closed with explanation

Yes

2022-03-08

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

Credit reporting

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

Was not notified of investigation status or results

You are in violation! You broke the law!! I have enclosed all documents which includes ( Previous CFPB Complaint, Copy of Driver License, Identity Theft Report, Statement, & instructions ). PLEASE SEE ATTACHMENTS

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

Experian Information Solutions Inc.

CA

94591

Consent provided

Web

2022-03-08

Closed with explanation

Yes

2021-01-12

Debt collection

I do not know

Took or threatened to take negative or legal action

Threatened to arrest you or take you to jail if you do not pay

Convergent Outsourcing, Inc sent me a letter on XX/XX/XXXX stating that I owe a debt in the amount of {$16000.00} to XX/XX/XXXX, XXXX. They also state that they are willing to reduce the amount by 35 % to {$5.00}, XXXX. ACCOUNT NUMBER : XXXX. The letter doesn't not include enough information about this debt. I've never heard of XXXX XXXX, XXXX. Original creditor XXXX XXXX XXXX XXXX. I am filing a dispute about the debt they are trying to collect. They contacted me by mail, on XX/XX/XXXX and identified the debt as XXXX XXXX, XXXX. I don't not owe this debt. I've called several times and someone repeatedly hangs up the phone. I've researched both companies and no additional identifiable information is available. This is the second time this fraudulent company has tried to accuse me of a debt I do not owe. Similar debt with different amounts from a different creditor. See my previous complaint I filed in XX/XX/XXXX. This needs to stop. Please stop sending me fraudulent letter claiming I owe debt. LEAVE ME ALONE LIARS. Hide full complaint

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

Convergent Resources, Inc.

MD

20743

Consent provided

Web

2021-01-12

Closed with explanation

Yes

2020-01-17

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT. WITHOUT : Permissible purpose from the creditor. Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Date of Birth - XX/XX/1995

Exeter Finance Corp.

FL

349XX

Consent provided

Web

2020-01-17

Closed with explanation

Yes

2023-02-19

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

On XX/XX/XXXX, I sent a notarized Billing Error Notice to CARECREDIT 'S CEO XXXX XXXX via USPS certified mail with a Domestic Return Receipt. CARECREDIT received the Billing Error Notice on XX/XX/XXXX. I also sent a copy of the Billing Error Notice to CARECREDIT/SYNCHRONY BANK BILLING INQUIRIES via USPS certified mail on XX/XX/XXXX, and XX/XX/XXXX. Those Notices were delivered to their XXXX XXXX and picked up on XX/XX/XXXX. I am aware that CARECREDIT/SYNCHRONY BANK shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer. I am also aware that " the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' CARECREDIT/SYNCHRONY BANK reported the account as 30 days past due on XX/XX/XXXX, which is a violation 15 U.S. Code 1666 ( e ). CARECREDIT/SYNCHRONY BANK also closed my account on XX/XX/XXXX, when there were no missed payments or reason to close my account, which is a violation of the FDCPA as well. Lastly, CARECREDIT/SYNCHRONY BANK has not responded with a rebuttal, point for point, which forfeits CARECREDIT/SYNCHRONY BANK right to collect the disputed amount as described in 15 USC 1666 ( e ).

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

SYNCHRONY FINANCIAL

WA

98112

Consent provided

Web

2023-02-19

Closed with explanation

Yes

2021-01-08

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

Credit reporting

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

Investigation took more than 30 days

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38016

Consent provided

Web

2021-01-08

Closed with explanation

Yes

2023-04-19

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

Credit reporting

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

Their investigation did not fix an error on your report

I have been disputing inaccurate accounts on my credit report for a year now and the credit bureaus have not corrected the inaccurate the information at all. The last letter I sent out was a certified letter to each credit bureaus. I have 8 accounts that are reporting incorrect information on my credit report. Here are the accounts. XXXX XXXX I address that the date of last activity is being reported as 3 different dates to each credit bureau. XXXX XXXX XXXX, XXXX reports XXXX and Equifax reports XXXX. The creditor just verifies the account but why are they reporting different dates to each credit bureau. This is not accurate at all and they have not updated or deleted this account. Law requires the information to be reported correct and it simply is not. This is the same issue with XXXX XXXX, and XXXX account. The date of last activity is being reported as different dates to each credit bureaus. I am so tired of stating this and they are not doing anything about it. Now with these 4 accounts XXXX, XXXX XXXX XXXX has 2 accounts ) and, XXXX XXXX the issue is the account status. Some are reporting the account as open which the account should not be reporting as open, and some closed and open to each of the credit bureaus and it is not accurate and the account should be deleted from my credit report. Last there is an account with XXXX XXXX that was an account with XXXX XXXX XXXX XXXX, that was deleted off all three credit bureaus by XXXX XXXX XXXX XXXX and not even a month later added back with XXXX XXXX. The Credit Bureaus did not sent me a letter to let me know that the account would be added back on my credit report. I sent the credit bureau a certified letter to address it and they did nothing about it.

EQUIFAX, INC.

NJ

08109

Consent provided

Web

2023-04-19

Closed with explanation

Yes

2021-05-14

Credit card or prepaid card

Store credit card

Incorrect information on your report

Old information reappears or never goes away

To whom it may concern, I have a charge off from KOHLS DEPARTMENT STORE that is still listed on all of my credit reports. I called several times regarding this and was told by KOHLS DEPARTMENT STORE company this would be removed from my credit report. I just checked again today and currently XX/XX/XXXX and it is still showing up from ( KOHLS DEPARTMENT STORE ). I would like this updated and removed from all 3 credit report agencies ( XXXX XXXX, and XXXX ) as they had promised. Card Detail : KOHLS DEPARTMENT STORE Opened XX/XX/XXXX ( 6 yrs, 7 mos ) Closed XX/XX/XXXXThank you for your time, efforts, and assistance in having this removed, I am grateful.

CAPITAL ONE FINANCIAL CORPORATION

NJ

07110

Consent provided

Web

2021-05-14

Closed with explanation

Yes

2023-05-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 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.

NC

28277

Consent provided

Web

2023-05-15

Closed with non-monetary relief

Yes

2023-09-13

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10314

Consent provided

Web

2023-09-13

Closed with non-monetary relief

Yes

2017-03-21

Debt collection

Medical

Disclosure verification of debt

Right to dispute notice not received

SCA has reported XXXX collection accounts on my credit report. Prior to these accounts appearing on my report, I never received a notice of right to dispute, which is a violation of the Fair Debt Collection Practices Act. I have asked SCA to remove these accounts because I was never served with a notice of right to dispute, but they refuse.

SCA Collections, Inc.

NC

278XX

Consent provided

Web

2017-03-21

Closed with explanation

Yes

Yes

2023-01-10

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

Credit reporting

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

Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) maXXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 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

90277

Consent provided

Web

2023-01-10

Closed with non-monetary relief

Yes

2021-03-25

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Hello Awa collections is trying to collect a debt that is not mine and this is not the first time this happens. I called the company and they told me that this is for a auto insurance policy. I don't have a car let alone a driver 's license. I have never engaged in business with this company and I have no knowledge of any insurance nor have I ever had one. This is affecting my ability to purchase a home I just recently move to the united states of america from abroad and have no business with insurances or collections.

Adler Wallach & Associates, Inc.

CA

90023

Consent provided

Web

2021-03-25

Closed with explanation

Yes

2022-03-08

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am being violated by TransUnion as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76705

Consent provided

Web

2022-03-08

Closed with non-monetary relief

Yes

2023-03-23

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95307

Consent provided

Web

2023-03-23

Closed with non-monetary relief

Yes

2022-05-30

Debt collection

Medical debt

False statements or representation

Impersonated attorney, law enforcement, or government official

Upon reviewing Consumer Financial Protection Bureau ( CFPB ) Complaint ID XXXX. I, XXXX XXXX, an federally protected consumer, dated on XX/XX/2022 am aware that this company Consumer Adjustment Company Inc ( CACi ) are in violation of HIPAA. Criminal Penalties for HIPAA Violations, The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. Restitution may also need to be paid to the victims. I am demanding remedy for each violation. Consumer Adjustment Company Inc ( CACi ) will be held accountable.

Consumer Adjustment Company Incorporated

FL

33150

Consent provided

Web

2022-05-30

Closed with explanation

Yes

2023-07-27

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

Credit reporting

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

Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTIFY THEFT AND I WOULD LIKE TO GET SOME FRAUDULENT ACCOUNTS REMOVED AND BLOCKED DUE TO FRAUD. ACCORDING TO UNDER 15 U.S.C AND 1681i ( FCRA ) YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38017

Consent provided

Web

2023-07-27

Closed with non-monetary relief

Yes

2023-06-13

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

I sent a letter on XX/XX/2023 to Experian, XXXX and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. According to the law 15 U.S code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information of a consumer 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 XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete the investigation.

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

Experian Information Solutions Inc.

TX

78501

Consent provided

Web

2023-06-13

Closed with explanation

Yes

2023-01-21

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 XXXX XXXX XXXX. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have 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.

EQUIFAX, INC.

FL

34234

Consent provided

Web

2023-01-21

Closed with explanation

Yes

2020-01-21

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

I checked my credit report to find that I had 2 negative medical accounts on my credit profile both which I have no knowledge of. I have never received any bills or notification stating that I owe anything to any medical center nor do I recall going to a medical center for anything.

Company believes it acted appropriately as authorized by contract or law

AmeriCollect

MI

49508

Consent provided

Web

2020-01-27

Closed with explanation

Yes

2022-01-27

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I spoke with salesman at XXXX XXXX of XXXX on XX/XX/XXXX. I currently had a XXXX lease from them that was coming to the end of its term on XX/XX/XXXX. I had a lot of pressure to turn it in to them because of the chip shortage and lack of inventory. I received many calls, e-mails and correspondence in the mail from them. I decided to purchase the vehicle and obtain financing from XXXX XXXX XXXX ( I have financed my vehicles through them for over a decade ). The salesman said that he would send me an e-mail with link for financing through XXXX XXXX XXXX. I completed and returned it on XX/XX/XXXX and was instantly approved. When asked what my rate was, he told me 6.50 %. I told him that it was too high and would get my own financing. The salesman called again on XX/XX/XXXX to ask what I decided. I told him that I was going with XXXX XXXX XXXX because of the rates. He then put his Finance guy on the line. The Finance guy said that he would try to get a better rate with other banks. I told him that I didn't want him to and that if XXXX 's rate was too high, I was going with XXXX. He again said let me see what I can do. I told him that I didn't want any hard hits on my credit report and told him that XXXX was enough and then I would have one more with XXXX. He then asked me my occupation. I said banker, Risk and Compliance. He sounded nervous. He again said Let me see what I can do. I said again I do not want any more hard hits on my credit report. He said we already did and I will call you back. I never heard from them again. I pulled my own report and saw that XXXX Bank was listed and XXXX XXXX XXXX was not. I proceeded to another XXXX dealership on XX/XX/XXXX. The other dealership told me that there were more hard hits on my credit report. The rate that I could have received with XXXX was between XXXX and XXXX percent. Because of the hard hits, it is now XXXX percent. I am outraged at this point. I went ahead and completed the paperwork at the other dealership because my lease is ending. Had XXXX XXXX of XXXX not bombed my credit report, I would have had a 90 day waiver for my first payment and a much lower rate ( for a credit score of XXXX and above ). Now I have a high rate and have only a 30 day waiver. The finance guy at XXXX XXXX XXXX XXXX said they only had one tire protection package that would cost me {$1800.00} and that was not true. They had several options and I picked one at the other dealership for less than half that amt. He also told me a XXXX yr. warranty would cost me {$4800.00}, the Premium Warranty plan that I have with the new dealership is {$2600.00} for 5 years. I tried to see how this could be resolved with the credit union and new dealership and they could do nothing but advised me to wait a few months to refinance when the hard hits fall off. I called attorney and was advised to contact credit bureau ( Transunion ). Transunion advised me to report this to the FTC in which I did ( Ref # XXXX ). The FTC advised me to also report this to the CFPB. I received a call from XXXX XXXX of XXXX on XX/XX/XXXX asking me to come in and meet with a XXXX XXXX representative and look at a new car purchase and when I said No thank you, she said, Do you still own the XXXX Fusion? Really? I have read reviews for XXXX XXXX XXXX XXXX after the fact and see that they have been doing this to other people as well. I should not have to pay higher rates because of the greed of others. What is my recourse? Please investigate. We are hard working people trying to stay afloat. Please forgive my punctuation, grammar or misspellings. I received a call from the new dealership on XX/XX/XXXX and they want me to come in to sign the final transfer paperwork now. I hope this gets resolved and I do not have to pay 7.49 %. I would never recommend XXXX XXXX XXXX XXXX to anyone and think that someone needs to keep an eye on their bad business practices.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

483XX

Consent provided

Web

2022-01-27

Closed with explanation

Yes

2022-02-18

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

Credit reporting

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

Was not notified of investigation status or results

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX

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

Experian Information Solutions Inc.

OH

432XX

Consent provided

Web

2022-02-18

Closed with explanation

Yes

2022-09-08

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

Credit reporting

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

Was not notified of investigation status or results

and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamtion of my character

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32301

Consent provided

Web

2022-09-08

Closed with non-monetary relief

Yes

2022-12-21

Checking or savings account

Checking account

Managing an account

Fee problem

Ive been banking with Citizens bank since 2017 and it has been the worse experience ever. Ive been hit with several overdraft fees from this bank authorizing charges with no money in the account after I argued with this bank millions and millions of times. I was even told I have some type of over draft protection on my account yet I get charged with XXXX of dollars worth of overdraft fees. I spoken to a supervisor name XXXX who gave me a hard time just Authorizing my account just to look at the account after I offered to give her my ssn she refused to take the ssn the turned around and asked for it. On XX/XX/XXXX I also spoke with XXXX who was also incompetent and was a waste he would not tell me his boss name after I requested to speak with his boss. This bank is stealing from me and Im sure a lot of people who bank with them as well. Im currently closing this account because I dont trust my money in this account. I have transferred money to this account that dont post and when I question this bank they dont know. They are thiefs and liars and this is my first point in contact before seeking legal action on this bank.

CITIZENS FINANCIAL GROUP, INC.

MI

48125

Consent provided

Web

2022-12-21

Closed with explanation

Yes

2023-08-30

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

MA

01843

Consent provided

Web

2023-08-30

Closed with explanation

Yes

2019-04-10

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

Hello, I was able to access my Experian credit report online, however the website would not allow me to print my report in a printer friendly format without first signing up for for a 30-day trial ( free for the first month but costs XXXX thereafter ). I believe that Experian should be able to provide a printer friendly version of the report with out having to sign up for additional services. I have been able to generate printer friendly PDF report from both XXXX and XXXX. With Experian I was forced to print the webpage directly. Thank you for your time.

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

Experian Information Solutions Inc.

OK

730XX

Consent provided

Web

2019-04-10

Closed with non-monetary relief

Yes

2017-09-25

Student loan

Federal student loan servicing

Incorrect information on your report

Information belongs to someone else

I attended XXXX XXXX in 2009 and their were two loans opened without my knowledge and I want deleted off my credit report. I did n't authorize. I was thinking I only was using financial aid only, NOT STUDENT LOANS.

Navient Solutions, LLC.

NC

27834

Consent provided

Web

2017-09-25

Closed with explanation

Yes

2017-12-02

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

Hello Beginning XXXX XXXX I disputed an amount on my credit report that was not owed. The attorney continued to call and Harass me about this amount of {$2100.00}. I explained I did not owe that amount. They refused to listen to me. Now the credit bureaus job was to gain evidence that the amount was inaccurate or correct. They continued to report that it was correct without even doing their job. Therefore this was to be deleted from my account within 30 days. I disputed 6x for an entire 8 months and no one listened to me. The Fair Credit Reporting Act states to verify and/or DELETE these inaccuracies within 30 days. They failed to do so. Why are they allowed to continue to keep this on my report inaccurate for 3 years? I want this deleted. I noticed recently that the price was changed, even after XXXX sent me a letter stating Paid in full, XXXX balance. I 'm unsure why this amount is changed after almost 4 years. I called the National Credit Systems and they refused to delete it still. This is unjust to the laws that were put in place to protect the consumer. The new amount of {$620.00} on my report should be deleted and obsolete. I have been unable to secure a safe apartment for my children due to this inaccuracy that I reported in XXXX to all 3 bureaus MULTIPLE times for 8 months. Broken leases are not considered under any circumstances. This has gone on longer than the 30 day requirement to wait for an answer. 8 months longer. I want this deleted from my report as that was suppose to be done in XXXX XXXX after the inaccuracies were not investigated properly or deleted in a timely manner. How many people are being overcharged inaccurate fees that were not correct from the beginning? How many Americans are suffering with inaccurate debt placed on them due to a company mistake? I am not the only one. This should be stopped and the proper authorities should step in and give proper penalties to the bureaus and creditors for not following the Fair Credit Reporting Act accurately. Is n't that way it was written? Thank you for your time and help.

National Credit Systems,Inc.

TX

77089

Consent provided

Web

2017-12-02

Closed with explanation

Yes

2021-10-04

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .CREDENCE RESOURCE MANA bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of 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 relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX

Kriya Capital, LLC

PA

19141

Consent provided

Web

2021-10-04

Closed with non-monetary relief

Yes

2019-12-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I C System is reporting an account that does not belong to me of {$340.00} to XXXX and XXXX, I have never had any accounts with this company and this is not my account. Stop reporting bad information.This is harming my credit!!

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

I.C. System, Inc.

MI

48167

Consent provided

Web

2019-12-06

Closed with explanation

Yes

2019-08-06

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.

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

Experian Information Solutions Inc.

UT

84095

Consent provided

Web

2019-08-06

Closed with explanation

Yes

2022-08-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 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 by the consumer. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

934XX

Consent provided

Web

2022-08-23

Closed with non-monetary relief

Yes

2020-06-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..

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

Experian Information Solutions Inc.

FL

33073

Consent provided

Web

2020-06-20

Closed with explanation

Yes

2016-07-26

Student loan

Non-federal student loan

Dealing with my lender or servicer

Having problems with customer service

NAVIENT ( or XXXX ) is not updating my student loan payment information, which is adversely affecting my credit score ( see document # XXXX XXXX. Over the past year, I paid approximately {$10000.00} per month, and I paid off my student loans in XXXX 2016 XXXX see document # XXXX XXXX. HoweverXXXX shows that I have a balance of {$100000.00}, which is incorrect ( see document # XXXX ). I have not had a balance that high since XXXX. I called NAVIENT on XXXX XXXX, 2016, and the customer service representative was unhelpful, saying the issue is with XXXX, although she could not tell me if NAVIENT had sent the correct, updated information to XXXX.

Navient Solutions, LLC.

NY

10036

Servicemember

Consent provided

Web

2016-07-26

Closed with explanation

Yes

No

2022-01-19

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

I called CSO Financial Inc twice to take care of my debts. They would not just let me pay. They said I had to pay additional interest on the debt and said I had to talk to someone else to find out how much I owed, rather than just allowing me to pay it off. They attempted to collect unnecessary information ( address, phone number ) and would not just provide me with the info I asked for or allow me to pay off my debt.

CSO Financial

CA

XXXXX

Consent provided

Web

2022-01-19

Closed with explanation

Yes

2021-10-21

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XXXX XXXX Equifax added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports. ( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately. In Addition they have violated the Fair Debt Collection Practices Act as well.

EQUIFAX, INC.

NJ

08081

Consent provided

Web

2021-10-21

Closed with explanation

Yes

2022-09-02

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

Credit reporting

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

Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32837

Consent provided

Web

2022-09-02

Closed with non-monetary relief

Yes

2023-05-08

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

I have received calls almost everyday for a year about my credit card. I didn't even know I signed up for a credit card. I thought I was getting a membership and then I found out that it was a credit card. I accepted that I must have messed up somewhere and tried to pay it. But soon after I had my son and had to pay out of pocket for many of his medical bills. I didn't know until recently that this was harassment.

ENCORE CAPITAL GROUP INC.

MI

48327

Consent provided

Web

2023-05-08

Closed with non-monetary relief

Yes

2020-03-16

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, these accounts I had nothing to do with that are showing incorrectly on my credit report

EQUIFAX, INC.

NY

10016

Consent provided

Web

2020-03-16

Closed with explanation

Yes

2022-04-16

Debt collection

Auto debt

Attempts to collect debt not owed

Debt is not yours

The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. XXXX has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from XXXX in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.

Northstar Location Services, LLC

MI

494XX

Consent provided

Web

2022-04-16

Closed with explanation

Yes

2022-05-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32304

Consent provided

Web

2022-05-04

Closed with non-monetary relief

Yes

2019-01-30

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

Credit reporting

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

Their investigation did not fix an error on your report

Dear Experian, RE : Acct : XXXX Report Number : XXXX This account was under dispute and came back verified in XX/XX/XXXX and XX/XX/XXXX. I recently submitted a dispute asking that you delete the account due to multiple inaccuracies being reported by this account that doesn't even involve whether or not the account had been verified. All you did was update the account and still have failed to report it correctly. A collection account can not have a past due amount for sheer fact that a collection account is already a past due balance, therefore it itself can not have a past due balance. - This collection account reports 1 months terms - This collection account has been disputed and I have asked for method of investigation as well as who verified this account and Experian has failed to provide this information at every turn. This is not request for another dispute, investigation or re-investigation. Either provide the information asked for or remove this account immediately

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

Experian Information Solutions Inc.

IN

46235

Consent provided

Web

2019-01-30

Closed with explanation

Yes

2023-02-28

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

Credit reporting

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

Investigation took more than 30 days

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

TX

761XX

Consent provided

Web

2023-02-28

Closed with explanation

Yes

2018-01-21

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

Credit reporting

Incorrect information on your report

Account status incorrect

Credit Card Company has reported late payment history from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit reports which is inaccurate information and lowing my credit scores.

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

CITIBANK, N.A.

NC

27713

Consent provided

Web

2018-02-03

Closed with explanation

Yes

2022-01-14

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

I have sent debt validation letters to Preferred Lease twice as well as disputing the incorrectly reported information for a Lease for a mattress that was only {$900.00} that now says it is {$2500.00} plus what was already paid. Preferred Lease has not answered phone calls or emails, or replied to debt validation letters. I have received no contact and yet they continue to report the debt as valid to XXXX.

C/C Financial

TX

77511

Consent provided

Web

2022-01-14

Closed with explanation

Yes

2022-08-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block the reporting of any information in my credit file that resulted from alleged identity theft. Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : $ XXXX

EQUIFAX, INC.

NM

87112

Consent provided

Web

2022-08-29

Closed with explanation

Yes

2021-02-23

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

Credit reporting

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

Difficulty submitting a dispute or getting information about a dispute over the phone

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20746

Consent provided

Web

2021-02-23

Closed with explanation

Yes

2020-05-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

LEXISNEXIS

OH

43232

Consent provided

Web

2020-05-28

Closed with explanation

Yes

2022-05-16

Debt collection

Payday loan debt

Written notification about debt

Didn't receive notice of right to dispute

I was notified by XXXX XXXX XXXX XXXX XXXX that an owed balance of {$300.00} was placed in collections for a Speedy Cash loan that is more than XXXX years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. It was not identified if these people own the debt or are a collection agency.

CURO Intermediate Holdings

CA

95687

Consent provided

Web

2022-05-16

Closed with explanation

Yes

2016-04-20

Debt collection

Non-federal student loan

False statements or representation

Attempted to collect wrong amount

Simms Associates, a dubious debt collector, is making false statements claiming that I am not making direct payments on my student loan debt to the student loan company, XXXX. These statement ( s ) are adversely affecting my credit report. I have in fact continued to make monthly payments each and every month to XXXX without fail and furthermore XXXX has continued to receive and deposit these payments into their account.

SIMM Associates, Inc.

AZ

863XX

Older American

Consent provided

Web

2016-04-20

Closed with explanation

Yes

No

2022-07-24

Debt collection

Credit card debt

Threatened to contact someone or share information improperly

Talked to a third-party about your debt

In accordance to the Fair Credit Reporting act, the following creditors have violated my rights. XXXX. XXXX XXXX XXXX/ {$510.00} XXXX. XXXX XXXX XXXX XXXX # XXXX/ {$630.00} XXXX. XXXX XXXX XXXX # XXXX/ {$940.00} XXXX. XXXX XXXX XXXX # XXXX/ {$990.00} XXXX. XXXX XXXX # XXXX / {$900.00} 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.

TX

75126

Consent provided

Web

2022-07-24

Closed with non-monetary relief

Yes

2020-05-26

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) Sold an apartment complex including all tenant debts at the time of sale in XX/XX/2019 ; He subsequently attempted to collect on those same debts ( double collect on the same debts ) that the purchaser ( XXXX XXXX XXXX ) now owns and manages. Mr. XXXX has in his possession the real estate contract which clearly outlines that all tenant accounts/ both credits and/or debts owed were transferred at the time of sale to the new property owners - the new apartment owner/manager confirmed this with me in detail. According to the new apartment owners, Mr. XXXX XXXX was selective about which tenants he attempted to strong arm debt collection from - XXXX and elderly tenants were targeted in an attempt to collect extra money from a real estate sale in which he had already been compensated. The current apartment owner managing these tenant accounts advised the tenants to ignore Mr. XXXX 's wrongful attempt to collect the debt and that Mr. XXXX is attempting to scam extra payments from debt that he no longer owned and was not entitled to collect. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX WA XXXX ) reported this fraudulent attempt to collect debt on all three credit bureaus, dropping by credit score by more than 100 points. After many phone calls, this debt collection agency refused to entertain any resolution or address my concerns and hung up on me multiple times.

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

Credit International Corporation

WA

XXXXX

Consent provided

Web

2020-05-26

Closed with explanation

Yes

2022-01-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have attached an account that was opened fraudulently in my name and I need it removed. I have created a report with the FTC and attached my drivers license and my social security card as identification.

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

Experian Information Solutions Inc.

GA

30094

Consent provided

Web

2022-01-10

Closed with non-monetary relief

Yes

2023-06-24

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. I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

EQUIFAX, INC.

AL

35215

Consent provided

Web

2023-06-24

Closed with non-monetary relief

Yes

2023-10-04

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$720.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

XXXXX

Consent provided

Web

2023-10-04

Closed with non-monetary relief

Yes

2023-10-29

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

On Wednesday, XX/XX/XXXX, at approximately XXXX XXXX XXXX, I received a mobile phone call from XXXX. The caller identified himself as " XXXX, a Citibank employee ''. He alerted me that there was suspicious activity occurring on my Checking account. After reviewing/confirming the transactions, I was alarmed, and he assured me that he would help me stop and reverse these items. Unbeknownst to me, this caller was an imposter and had already hacked into my Saving account and transferred {$3600.00} into my checking account, this was not authorized. Savings account Number is This fraudulent caller was skillful and professional in keeping me calm, insuring he would help me. In order to do so, he said we would use XXXX to transfer the funds to a phone number he provided, which was assigned to XXXX XXXX ; I do not know this person. I only know of this name when I saw it in the text confirmation. Additionally, the transfer occurred in three different transactions all to the same person. The transactions were for {$25.00} ; {$2400.00} and {$2500.00}. Once all funds were transferred out, the call ended, and I had less than {$5.00} in my checking account. As soon as the call ended, I immediately call the real Citibank Customer Service Number at XXXX, the same number the caller called from. The frontline Citibank employee started an investigation and within days I received a letter in the mail that my request for the funds to be returned was denied. Since then, I have called the only number I have for Citibank ( XXXX ) and I haven't been able to get beyond the frontline customer service representatives. These Customer Service calls seem to be outsourced to a foreign country in which the language is thick and my understanding is uncertain. Additionally, the frontline customer service representatives seem to be reading from a written script, in which they ask only the questions/statements on this script and not providing any intuition or common thought processing. Each time I would call, these frontline representatives did not present compassion or comprehension to what had occurred to me. In the last 12 months I have called the Citibank Customer Service Number to get help or clarification as to why my investigation keeps getting denied. Each time I called, I must be triaged by the same foreign country service representatives, each reading from the same script, neither asking follow-up questions. Never, not once, was I able to talk to a supervisor, manager, or person of seniority who had the authority to provide greater insight or investigate further. Each time I called, required me :45 - :90 minutes ; time entering selections on the phone, triage, on-hold while the foreigner looked up my account information, but mostly me trying to explain what happened. To help substantiate my lose, I filed a Crime Report with the XXXX XXXX XXXX XXXX Police Department. I have also, faxed my account statements, crime report, and printout of the fraudulent transactions to Citibank and my case was stilled denied. I have visited the local Citibank branch to ask for help but they claim that they can NOT help me because they too must call the same toll-free number, XXXX to be triaged like me. With the lack of cooperation with my numerous calls to Citibank, I have contacted the Local XXXX station ( XXXX XXXX ) in XXXX and have an upcoming interview with the segment, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ) is a Consumer Affairs Reporter, and the interview is intended to bring awareness to the length of fraud consumers are encountering from hackers. Finally, and interestingly, shortly after my account was hacked into and I lost all but {$5.00}, I was no longer able to use XXXX to send funds to friend/family, via XXXX. When I called the Customer Service number, XXXX, the representative says, the vendor is working on it and it was supposed to be done in a few days. This is telling to me that Citibank knows there is a problem with XXXX and its ability to be infiltrated, yet Citibank wont protect their account holder- for which I have been one since XXXX! Recently, I was listening to a XXXX XXXX XXXX ( XXXX ) story on Consumer Financial Protection Bureau and I thought to myself, that this is my last resort, I am pleading to your agency to investigate and probe into why Citibank would partner with XXXX and NOT support their customers who are using this application.

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

CITIBANK, N.A.

IL

601XX

Consent provided

Web

2023-10-29

Closed with explanation

Yes

2021-12-13

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Card opened as result of identity theft or fraud

A XXXX XXXX account was opened in my name this last XXXX that I had no idea about, also my wallet was stolen a while back and I did cancel the cards but someone was able to run up the bills on my card and now the accounts are closed and being charged off. Im XXXX and never dealt with something like this.

JPMORGAN CHASE & CO.

AZ

85295

Consent provided

Web

2021-12-13

Closed with explanation

Yes

2023-06-01

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

" in accordance win me Fair cream Reporung acr. The List or accouns below nas violared my rederany protecred consumer tignts to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ] ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven vecEs 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.

EQUIFAX, INC.

OH

43015

Consent provided

Web

2023-06-01

Closed with explanation

Yes

2019-12-31

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

The complaint that Wells Fargo closed on XX/XX/XXXX as being duplicate is actually a new complaint. As a follow-up to complaint # XXXX, Wells Fargo mandated closure of our personal checking account ending in XXXX and opened a new personal checking account ending in # XXXX. This account was opened two weeks before this event ( payment of a counterfeit check ). We had not written any checks on the # XXXX account nor had we shared the account number with anyone. A counterfeit check was negotiated by Wells Fargo that overdrew the account. The check was an OBVIOUS FRAUD, yet Wells Fargo paid on it -- causing the account to be overdrawn. I expect Wells Fargo to provide written answers to the following questions : 1. The XXXX ( counterfeit ) check was written on a Wells Fargo Commercial ( misspelled " Commerical ' ) Disbursement Account, our account is a personal checking account. Why was the check negotiated? 2. The name printed on the check is XXXX XXXX XXXX in XXXX, FL. This is not the information printed on our checks. Why was the check negotiated? 3. The check number is XXXX. Our account had just been opened and the checks issued started with # XXXX, Why was the check negotiated? 4. The signature is neither mine nor my wife 's, nor was there an attempt to mimic either of our names. The name of the person who signed the check is not an authorized signer on our account. Why was the check negotiated? 5. The check overdrew the account by {$460.00} -- we have never overdrawn our account. Why was the check negotiated? 6. Wells Fargo did not detect the fraud and stop it. On Saturday, XX/XX/XXXX, I got an email that the account was overdrawn. We were charged a {$35.00} overdraft fee which I got reversed when I closed the account. How could Wells Fargo miss this obvious fraud and assume we overdrew the account? There were a number of " red flags '' that Wells Fargo missed that should have caused them to reject this check? Since we have not issued any checks on this account and have not provided the account number to anyone, the investigation needs to focus on Wells Fargo and the company that prints the checks. I have already provided a copy of the letter dated XX/XX/XXXX from Wells Fargo Phone Bank which discloses our full account number and a form from Wells Fargo that discloses our complete Social Security numbers. A police report has been filed and I will provide a copy when I get it.

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

WELLS FARGO & COMPANY

FL

33156

Older American

Consent provided

Web

2019-12-31

Closed with explanation

No

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 Account 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

Experian Information Solutions Inc.

OH

43607

Consent provided

Web

2022-04-22

Closed with non-monetary relief

Yes

2022-07-26

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92394

Consent provided

Web

2022-07-26

Closed with non-monetary relief

Yes

2022-10-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

OneMain Finance Corporation

TN

38133

Consent provided

Web

2022-10-04

Closed with explanation

Yes

2022-11-05

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

I received medical service by a covered provider on XX/XX/XXXX. The provider sent my labs to an outside company by the name of XXXX XXXX XXXX. In late XXXX of XXXX, I received a collection notice for {$620.00} adjusted down to {$500.00}. The collection company is Keynote Consulting. They called me to collect on this debt before they ever mailed me anything. I told them I was not comfortable paying anything over the phone, and did not have any bills I was Aware of in collections. I never received a bill in this amount from XXXX XXXX XXXX ( XXXX ) Keynote Consulting provided me with verification of debt in the form of a bill that was dated XX/XX/XXXX, XXXX months after the date of service. The bill has a line item/note that made it seem as though maybe my insurance denied the claim in XXXX, however my insurance never received a claim from XXXX, which is now out of business ( as of XX/XX/XXXX ). I am trying to explain this to Keynote Consulting, and have attempted to reach out to XXXX via email ( only received 1 response from them, so I know they received my emails but they did not Provide me with the proof of filing to my insurance as I asked ). There is no longer a working number for XXXX, and Keynote Consulting has told me they are in contact with XXXX, but refused to help connect me to them to get this resolved. My insurance company states that if XXXX did not submit a claim, I can not be helped responsible for the bill they would have otherwise been covered. Keynote Consulting says there is nothing they can do, and will send me to collections if I do not pay.

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

Keynote Consulting, Inc.

IL

60544

Consent provided

Web

2022-11-05

Closed with explanation

Yes

2023-07-16

Credit card or prepaid card

Store credit card

Credit monitoring or identity theft protection services

Billing dispute for services

I have a new account with Fortiva and the first payment was due XX/XX/2023, they have reported the account 30 days late on XX/XX/2023!! I called and spoke with a supervisor over there on Friday XX/XX/XXXX. Her name is XXXX, she advised me the account was not reported late. I advised her that I have proof from XXXX and XXXX that account has been reported late.. I would like for them to resolve this issue and correct error reported to credit bureaus!!!!! This is hurting my credit file and was done in error!!!!!!!!

Company believes it acted appropriately as authorized by contract or law

Atlanticus Services Corporation

GA

30228

Consent provided

Web

2023-07-16

Closed with explanation

Yes

2019-04-06

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

In XX/XX/2017, Region Bank ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

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

REGIONS FINANCIAL CORPORATION

LA

70816

Consent provided

Web

2019-04-06

Closed with non-monetary relief

Yes

2020-04-02

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

In XXXX, my husband and I filed Chapter XXXX Bankruptcy and it was closed out in XXXX. I believe this is the time when re-affirmation would have started. I am no longer married and trying to refinance my home to remove his name off the loan, being we have been divorced for over 14 years. XXXX, I did a loan modification under my name only and they still never started recording my payment history from there. I tried refinancing with XXXX XXXX XXXX, and I was denied.

EQUIFAX, INC.

FL

32208

Consent provided

Web

2020-04-02

Closed with explanation

Yes

2018-06-25

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

Credit reporting

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

Their investigation did not fix an error on your report

I began disputing these items on my credit report with the credit bureaus and the creditors beginning in XX/XX/XXXX and continued you to dispute them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not believe the items reported by US Bank, XXXX XXXX and XXXX XXXX are reporting these items to my credit report in compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

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

U.S. BANCORP

FL

32746

Consent provided

Web

2018-06-25

Closed with explanation

Yes

2019-12-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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

Experian Information Solutions Inc.

CA

94601

Consent provided

Web

2019-12-17

Closed with non-monetary relief

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 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 Section2 : It also states a consumer reporting agency can not furnish an 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

EQUIFAX, INC.

NY

11727

Consent provided

Web

2022-04-26

Closed with explanation

Yes

2022-02-02

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from XXXX XXXX on this day.

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

Experian Information Solutions Inc.

IN

464XX

Consent provided

Web

2022-02-02

Closed with explanation

Yes

2022-07-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am submitting a complaint to you today to notify you that I was the victim of identity theft. I studied on how to DELETE the fraudulent accounts from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE these accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inaccurate pieces of information which were being posted to my report. Here is the list of accounts which do not belong to me or were opened without my authorization : XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$550.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$56.00} ; XXXX XXXX Balance : {$110.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

34714

Consent provided

Web

2022-07-12

Closed with non-monetary relief

Yes

2020-12-22

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

Credit reporting

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

Investigation took more than 30 days

On XX/XX/2020, I sent an letter to Bank of America Home Loans ( account # XXXX ). I advised Bank of America Home Loans that the company is reporting incorrect information to credit bureaus indicating the account is currently XXXX days past due. However, Bank of America Home Loans sold the loan to another company and should be reported XXXX days past due.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

FL

33127

Consent provided

Web

2020-12-22

Closed with explanation

Yes

2021-02-12

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

These items have been investigated by both the police as well as the credit bureaus and proven to be fraudulent. These items have since been removed from all 3 accounts but is now showing up again on my XXXX report as well as TransUnion as a closed account. These fraudulent accounts appearing on my report is now harming me from properly utilizing my credit. These items need to be removed and blocked from being able to re-appear on my report at a later date as they are not mine.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77583

Consent provided

Web

2021-02-12

Closed with explanation

Yes

2022-09-09

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

Credit reporting

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

Difficulty submitting a dispute or getting information about a dispute over the phone

I had 4 inquiries on my report> I called experian as they said I cant dispute those online. I asked them to investigate and have them removed and agent refused. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.

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

Experian Information Solutions Inc.

NE

68164

Consent provided

Web

2022-09-09

Closed with explanation

Yes

2020-05-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

UNVERIFIED ACCOUNT. Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.

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

Experian Information Solutions Inc.

CA

90806

Consent provided

Web

2020-05-27

Closed with explanation

Yes

2023-08-11

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

EQUIFAX, INC.

GA

30132

Consent provided

Web

2023-08-11

Closed with non-monetary relief

Yes

2020-10-10

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

Credit reporting

Incorrect information on your report

Account information incorrect

I WAS TOLD SEVERAL TIMES BY SEVERAL XXXX EMPLOYEES THAT ONCE I PAID MY DEBT AFTER THIRTY DAYS IT WOULD BE REMOVED FROM MY CREDIT REPORT, HOWEVER IT IS STILL SHOWING UP ON MY REPORT. I SET UP DIRECT DEBIT FROM MY ACCOUNT BUT WAS NEVER TLD IT DIDNT GO THROUGH, DURING THIS TIME MY MOM DIED XX/XX/20, FROM XXXX FOLLOWED BY MY FATHER XX/XX/20 FROM XXXX RELATED AND OTHER ILLNESS, FINALLY MY SISTER DIED XX/XX/20. I WAS STRESSED OUT DURING THIS TIME CARING FOR MY SISTER AND HANDLING MY PARENTS AFFAIRS AS WELL AS BEING A XXXX XXXX WORKING IN THE XXXX. DURING THE HEIGHT OF COVID. HAVING THIS ITEM ON MY REPORT WHEN I WAS EXPLICITLY TOLD IT WOULD BE REMOVED NOT JUST REPORTED AS PAID HAS ADVERSELY AFFECTED FINANCIAL DECISIONS I AM TRYING TO MAKE. AGAIN I WA TOLD BY THREE AGENTS WITH XXXX THAT THIS ITEM WOULD BE REMOVED FROM MY CREDIT REPORT.

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

Experian Information Solutions Inc.

IL

60617

Consent provided

Web

2020-10-10

Closed with non-monetary relief

Yes

2021-11-12

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. Has been sending me notice balance {$690.00} The collection has reported as a pass due balance. I dont know this company. I never done any business with this company. This company doesnt have a contract with my signature.

Company believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

IL

603XX

Consent provided

Web

2021-11-12

Closed with explanation

Yes

2020-09-25

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Revco Solutions has put non-HIPPA compliant accounts on my credit report and claiming that I owe the amount shown. There are three ( 3 ) accounts in the amounts of {$500.00}, {$280.00} and {$1200.00} for which there is no account number, no explanation and no dunning notice. Furthermore, Revco Solutions did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information to credit bureaus, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. Finally, I want to see an agreement with Revco 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX XXXX XXXX and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.

Revco Management, LLC

IN

46902

Consent provided

Web

2020-09-25

Closed with non-monetary relief

Yes

2017-01-05

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt is not mine

On XXXX XXXX XXXX, I was brought to the XXXX XXXX XXXX due to XXXX. I was still XXXX when I got there. As soon as my XXXX, I told the staff that I did not want to be treated or examined and walked out, since I was n't sure whether XXXX was going to cover the hospital bill. ( I had just received my XXXX acceptance letter shortly before this incident. ) A few weeks later, I received XXXX invoices : one from the ambulance service, one from the hospital. I called both companies and gave them my XXXX number so they could charge XXXX ( since I now knew that XXXX covers emergencies ). The ambulance service was apparently able to charge the bill to XXXX without any issues. However, about 4 months later, in XXXX XXXX as well as in XXXX XXXX I was surprised to be sent XXXX letters from the XXXX XXXX XXXX asking again for the XXXX USD they claimed I owed ( even though I had refused treatment ). I received those letters in XXXX since I had been out of the country in XXXX. I called the hospital up immediately and asked what the problem was. It seemed as though they had had the wrong XXXX number. I gave them my XXXX number again. This time, I asked the person on the phone to read it back to me, so we could make sure that it was definitely the correct number. When she read it back, it was correct. Since then I did not hear from the hospital again at all. On XXXX XXXX ( XXXX/XXXX/XXXX ) I received a letter from a debt collector asking for the " outstanding '' debt to the XXXX XXXX XXXX. The debt collector said that the documentation they had gotten from the hospital did not show that any XXXX number had been given - even though I had given it to the hospital twice ( albeit once apparently incorrectly ). I was shocked. The worst part about this is, of course, that XXXX generally only pays bills that lie, I believe, at the most about one year back. The XXXX XXXX XXXX # 1 apparently failed to attempt to collect the payment from XXXX and # 2 failed to inform me about this in due time so that I could have gotten in touch with XXXX myself. Now, that the timeframe during which they could have claimed the amount from my insurance has passed, they try to make me responsible for their failure.

Company believes it acted appropriately as authorized by contract or law

California Business Bureau, Inc.

CA

90057

Consent provided

Web

2017-01-05

Closed with explanation

Yes

No

2023-05-16

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

Credit reporting

Incorrect information on your report

Account information incorrect

SAFCO- Auto loan. XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX phone # XXXX. We opened the account in XX/XX/2013 for {$26000.00}. The loan was paid for over 3 years and then we had a hardship and voluntarily returned it to the creditor. They should have only had the remaining balance owed showing on our credit report ( which should have been about {$12000.00} ). The vehicle was sold at auction and I felt after a few years they could have removed it from our report. It's now been 7 years and it's still showing as a charge off/collections. The amount that is showing on the report is more than the original loan amount - {$27000.00}.

Southern Auto Finance Co

MO

65721

Servicemember

Consent provided

Web

2023-05-16

Closed with explanation

Yes

2018-04-29

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX XXXX We disagree with the balanced noted on Equifax and XXXX noted as {$38000.00}. The account was open in 2006, we need to see the past 7 year history.

EQUIFAX, INC.

MD

206XX

Consent provided

Web

2018-04-29

Closed with explanation

Yes