Datasets:

aciborowska

/

customers-complaints

like 1

2022-08-01

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

On XX/XX/XXXX, I contacted Ally Bank re their lack of action regarding a fraudulent charge by XXXX. On XX/XX/XXXX, I made an online purchase from XXXX for {$66.00}. The purchase was acknowledged by the merchant. I discovered too late that XXXX has a history of taking money and not sending the merchandise. This is precisely what happened to me. By XX/XX/XXXX, I gave up on XXXX and disputed the charge via Ally Banks online form. It is now XX/XX/XXXX and Ally has failed to reverse the fraudulent charge, despite numerous requests from me via secure messaging. Suddenly, some time prior to XX/XX/XXXX, Ally decided that my dispute could *only* be processed via written forms which they claimed to have sent which have not been received. On XX/XX/XXXX, Ally confirmed that, upon review, they had my correct address. I have had no further contact from Ally. The charge has still not been reverse. My orders page at XXXX has been scrubbed but I screenshotted the page prior to scrubbing. Thus, Ally has done nothing but play games and drag their feet over a clearly fraudulent charge. Thank you.

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

ALLY FINANCIAL INC.

TN

377XX

Older American, Servicemember

Consent provided

Web

2022-08-01

Closed with explanation

Yes

2022-11-24

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I have been in constant contact with Experian, XXXX, and XXXX. They refuse to remove personal information that does not belong to me.

Experian Information Solutions Inc.

GA

31069

Consent provided

Web

2022-11-24

Closed with explanation

Yes

2022-03-12

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

Credit reporting

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

Investigation took more than 30 days

I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33179

Consent provided

Web

2022-03-12

Closed with non-monetary relief

Yes

2020-06-22

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

I had a significant family tragedy in XXXX which I am still dealing with today. This tragedy caused me to " drop the ball '' and I ended up failing to pay my credit card bill on time. As a result US Bank called me to inform me that my account was past due in XXXX. The calls prior to when I made the overdue payment are completely understandable and permitted by the FDCPA. Once I got back to my hotel I immediately went online and paid US Bank using funds from a checking account at US Bank. The funds were removed from my checking account and I could see the payment on the US Bank Credit Card. Later that evening US Bank called again while I was on the phone with my wife discussing my family tragedy. Due to the nature of my personal tragedy the call was very painful to receive and served as a reminder of how much I was failing. There was no reason for US Bank to call me after they had taken possession of the money and were made whole. At some point I called in and talked to a supervisor at the collections department who explained that whether or not US Bank has received a payment the auto-dialer continues to call until the next day. I contacted US Bank to try to try to get US Bank to recognize this was an issue and ask them to make a change to prevent the erroneous call in the future. Unfortunately I ran out of time to get back to them and didn't bring it back up until this month. I reached out about this issue and long-term payment relief options ( related to COVID-19 ). A US Bank representative called me to let me know they were going to research the issue and get back to me. Today, XX/XX/2020, I received a call from a representative who explained the same thing the collections supervisor did and told me US Bank had no intention of improving the issue at this time and, instead, would take the issue under advisement for future improvement. This is unacceptable as the monthly US Bank statements note, " The payment date is the day we receive your check or money order at U.S. Bank National Association, XXXX. XXXX XXXX, XXXX XXXX, MO XXXX or the day we receive your electronic or phone payment. '' As far as I am concerned if US Bank removed my ability to access the money for the payment from my account or took the money out of my account then they have received the payment. I believe I consented to auto-dialed calls related to collections and account security only. I do not believe I consented to auto-dialed calls that are /not/ regarding account security or collections. A call because my account is no longer past due is /not/ a collections call. No one should have to continue receiving harassing phone calls after they have righted their wrong ( brought their account current after missing a payment ). This is true even if the person isn't dealing with a significant family tragedy.

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

U.S. BANCORP

WA

99205

Consent provided

Web

2020-06-22

Closed with explanation

Yes

2020-02-03

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

DMV in Texas does not have my apartment number listed on my registration, despite me showing proof of residence with my lease. Toll bills have not been sent to my mail. Signed up for XXXX and was assured my account was clear as that was they only way they were able to add my license plate to the account. Received a letter in the mail from Penn Credit Collections company with the apartment number listed. I never received ANY toll bill in the mail, therefore, could not pay the original bill.

Penn Credit Corporation

TX

78758

Consent provided

Web

2020-02-03

Closed with explanation

Yes

2022-10-19

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have tried to submit a dispute online for an incorrect account reporting on my credit from XXXX XXXX. I keep getting error message when I try to submit disputes at each credit bureau

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32303

Servicemember

Consent provided

Web

2022-10-19

Closed with explanation

Yes

2022-10-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

FL

33013

Consent provided

Web

2022-10-11

Closed with non-monetary relief

Yes

2022-11-06

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

Credit reporting

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

Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

278XX

Consent provided

Web

2022-11-06

Closed with non-monetary relief

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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX XXXX XXXX Balance : {$950.00}

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

Experian Information Solutions Inc.

NV

894XX

Consent provided

Web

2023-06-14

Closed with non-monetary relief

Yes

2021-12-09

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

Credit reporting

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

Their investigation did not fix an error on your report

In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved Nevada to Georgia XXXX due to the impacted COVID-19 had on my immediate family. Because of the move I was unemployed until XXXX XXXX Therefore, I wasn't able to pay the balance of the invoice until XXXX of XXXX I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing COVID symptoms ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX. In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX XXXX XXXX and spoke with XXXX the office manager on XX/XX/2021 to inquire about ( Amerassist ) reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX from XXXX to sometime in XXXX. The office manager stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( Amerassist ) remove the account collection/outsources. With that said, I contacted on XXXX and XXXX ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office manager to have ( Amerassist ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions. On today 's day XX/XX/2021, XXXX sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted XXXX again and explained what was uploaded to my XXXX disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full. Amerassist has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so.

AmerAssist A/R Solutions, Inc.

GA

30039

Servicemember

Consent provided

Web

2021-12-09

Closed with explanation

No

2022-02-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

MI

48076

Consent provided

Web

2022-02-15

Closed with explanation

Yes

2021-05-24

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from XXXX XXXX XXXX attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.

Cascade Capital, LLC

MI

48108

Consent provided

Web

2021-05-24

Closed with explanation

Yes

2019-11-04

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

My complaint is regarding Merchants Credit Guide Collection Company listed on my credit report also under XXXX XXXX XXXX for {$280.00} and {$750.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.

Company believes it acted appropriately as authorized by contract or law

Merchants' Credit Guide Company

TX

751XX

Consent provided

Web

2019-11-04

Closed with explanation

Yes

2022-06-02

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 XXXXXXXX Account # XXXX ; XXXX XXXX XXXXXXXX XXXX Account # XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Company Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account XXXX XXXX ; XXXX XXXXXXXX XXXX Account # XXXX ; has XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that 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

75068

Consent provided

Web

2022-06-02

Closed with non-monetary relief

Yes

2023-07-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to formally dispute the validity of a debt that your agency has been attempting to collect from me. I recently received correspondence from your agency regarding an alleged debt in the amount of {$1300.00} owed to XXXX XXXX XXXX. However, I would like to bring to your attention that this debt is not mine and I believe it has been erroneously assigned to me. Upon careful examination of the United States Code, specifically the Fair Debt Collection Practices Act ( FDCPA ), I have identified several sections that empower me to dispute this debt and seek its verification : Section 809 ( b ) of the FDCPA states that, within five days of initial contact, the debt collector must provide written validation of the debt, including the amount owed and the name of the original creditor. I have not received any such validation from your agency, and I request that you provide me with the necessary documentation to prove the existence and accuracy of this debt. Section 809 ( a ) ( 4 ) of the FDCPA mandates that, upon the consumer 's written request, the debt collector must provide the consumer with the name and address of the original creditor. Therefore, I kindly request that you disclose the complete contact information of the original creditor associated with this debt. Section 809 ( b ) ( 5 ) of the FDCPA requires the debt collector to cease collection activities until it has provided the consumer with the requested verification of the debt. Therefore, I demand that you immediately cease all collection efforts regarding this disputed debt until you have satisfactorily provided the necessary validation and supporting documentation. I would like to emphasize that I have been diligent in maintaining my financial records, and I have no knowledge or recollection of any outstanding debt owed to XXXX XXXX XXXX. It is crucial that you investigate the matter thoroughly and correct this mistake promptly. Failure to comply with the FDCPA 's provisions outlined above may result in legal action, including a formal complaint lodged with the Federal Trade Commission and a civil lawsuit seeking damages for violations of the FDCPA. I trust that your agency will handle this matter with the utmost professionalism and adhere to the legal requirements governing debt collection practices.

Monarch Recovery Holdings, Inc.

PR

00718

Consent provided

Web

2023-07-07

Closed with explanation

Yes

2023-06-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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. I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

809XX

Servicemember

Consent provided

Web

2023-06-09

Closed with non-monetary relief

Yes

2022-10-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

FL

32129

Consent provided

Web

2022-10-19

Closed with explanation

Yes

2023-07-02

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 violation. The following accounts : XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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. It also states a consumer reporting agency can not furnish an account without my written instructions..

EQUIFAX, INC.

TX

77087

Servicemember

Consent provided

Web

2023-07-02

Closed with explanation

Yes

2023-03-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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

Experian Information Solutions Inc.

NJ

07047

Consent provided

Web

2023-03-21

Closed with non-monetary relief

Yes

2023-05-21

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On XX/XX/2023, TD Bank placed XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my TD Beyond checking account. Despite previously filing a complaint with TD Bank through the Consumer Financial Protection Bureau, I have yet to receive a satisfactory resolution from the bank. The responses I received from TD Bank, which I am attaching in PDF format, only redirect me to a third-party organization with limited information on the court cases and no ability to assist. Even though the TRO has legally expired, TD Bank continues to hold my funds without providing any information. This is my third and final attempt to kindly request the lifting of the insufficient levy and request an internal review of this case with a prompt response. Furthermore, I want to notify TD Bank that as a customer, I am escalating this case to the American Arbitration Association ( before the court complaint ). I am suing the bank for customer negligence and the indefinite holding of personal funds. Should TD Bank provide me with a satisfactory resolution, I will promptly drop this case and refrain from further escalation. Thank you in advance, XXXX XXXX

TD BANK US HOLDING COMPANY

NJ

08857

Consent provided

Web

2023-05-21

Closed with explanation

Yes

2022-06-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

CA

93611

Consent provided

Web

2022-06-21

Closed with non-monetary relief

Yes

2022-05-03

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

Credit reporting

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

Was not notified of investigation status or results

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

447XX

Consent provided

Web

2022-05-03

Closed with non-monetary relief

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

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. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11355

Consent provided

Web

2022-08-29

Closed with non-monetary relief

Yes

2023-02-22

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : {$28000.00}

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

Experian Information Solutions Inc.

GA

30008

Consent provided

Web

2023-02-22

Closed with explanation

Yes

2023-05-23

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

Credit reporting

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

Investigation took more than 30 days

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

EQUIFAX, INC.

TX

75051

Consent provided

Web

2023-05-23

Closed with explanation

Yes

2023-08-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Experian Information Solutions Inc.

NY

11219

Consent provided

Web

2023-08-21

In progress

Yes

2017-08-01

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

I attempted to to send USD from a CapitalOne 360 account to a XXXX XXXX XXXX account. Capital One told me that this transfer process between my own accounts takes 48 hours due to 'federal regulations '. In XXXX , XXXX and other countries the transfer of funds ( in the same currency ) occurs instantly. Why does this process take so long in the United States?

CAPITAL ONE FINANCIAL CORPORATION

TX

75077

Consent provided

Web

2017-08-01

Closed with explanation

Yes

2021-10-08

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

I have been disputing this account for some time now with National Credit Systems. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.

National Credit Systems,Inc.

TX

77459

Consent provided

Web

2021-10-08

Closed with explanation

Yes

2021-12-19

Checking or savings account

Checking account

Closing an account

Can't close your account

Someone else opened the account under my name and last name via TD bank routing : XXXX account : XXXX

TD BANK US HOLDING COMPANY

FL

32707

Consent provided

Web

2021-12-19

Closed with non-monetary relief

Yes

2019-04-29

Debt collection

Payday loan debt

Took or threatened to take negative or legal action

Seized or attempted to seize your property

Claims they are the company ( false representation ) attorney claims they have tried to contact me. I have never received anything from them. They are also harassing me while, I am working. I am not allowed to have visitors or calls while at work. They never sent proof or validity of this debt. They claim twice, someone was suppose to come, a man from XXXX XXXX service to have forms signed. I have never seen such person. I work during the day, no way I am home. Man left a number on my phone, I called that number. The person at was not helpful, he was rude, and hung up. He would not listen to me. I kept explaining to him, I am not home to sign a form. He attempted to bully, and scare me saying they will garnish my wages, out a lien on property, and or have a judgement. I have just my income, taking care of my XXXX wife, elderly parents, and XXXX teenagers. All my bills are behind. Either we are homeless or pay them. I will choose to keep a roof over my family head, and help my XXXX parents. If in fact this debt is mine. I can't pay what they are asking. The number I called was XXXX. This number says they are representing XXXX. I believe XXXX XXXX XXXX XXXX, OH XXXX is the corporate office at XXXX. They also have a local office in Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX. Per XXXX XXXX XXXX they sold to debt collector Alliant Capital Management who has violated several ways, that are aganist the law. They have to verify this debt is mine. They have to prove the debt is real. They have to prove they are authorized to collect debt. Never received a debt validation letter. Never seen this company license, are they even a legitimate company. They have validated the law. Called at work several times, not able to get calls at work or have visitors. Also harassed, oppressed, and abused me over the phone. Also life to me, falsely applied I committed a crime. Used unfair practices to attempt to collect a debt with no proof. Concealed his identity, did not give me any information, would not listen, rude, nasty, disrespectful, and hung up. Impersonated they are XXXX XXXX XXXX Attorney based on my first complaint they are not their attorney. They sold them to a debt management company called Alliant. My rights have been violated under FDCPA. This a third party collector. According to XXXX XXXX XXXX this is the company number who harassed me at XXXX at Alliant Capital Management.

Alliant Capital Management LLC

PA

19061

Consent provided

Web

2019-04-29

Closed with explanation

Yes

2023-05-16

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

Credit reporting

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

Their investigation did not fix an error on your report

The Credit Bureaus have failed to investigate my dispute of false information reported on my consumer profile. I have sent written notices disputing both the debt with the original creditor ( XXXX XXXX XXXX ) as well as the collection agency who has purchased the debt ( XXXX XXXX XXXX ). I do not owe either the original creditor or the collection agency who has been attempting to collect this debt from me. The original account was not authorized by me and when I filed disputes the Credit Bureaus did nothing, eventually the account charged off and now the collection agency is ruining my credit history by reporting this information. Furthermore, the credit Bureaus were notified of this dispute, but my account remains unmarked with any dispute status. This is a violation of my consumer rights under the FCRA and FCDPA. I have the right to an accurate and true credit profile. My complaint is against the Credit Bureaus for their failure to investigate. I have filed additional complaints with the FTC, see attachment for reference.

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

Experian Information Solutions Inc.

IL

616XX

Consent provided

Web

2023-05-16

Closed with explanation

Yes

2021-09-12

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

I mailed a debt validation letter to Lockhart , Morris & Montgomery , INCXXXX on XX/XX/2021. The company received the letter on XX/XX/2021 and has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2021, which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 1st account : XXXX XXXX, XXXX ( current creditor ) XXXX XXXX ( original creditor ) Total Amount Due : {$350.00} 2nd account : XXXX XXXX, XXXX ( current creditor ) XXXX XXXX ( original creditor ) Total Amount Due : {$320.00}

Company believes it acted appropriately as authorized by contract or law

Lockhart, Morris & Montgomery Inc.

FL

32792

Consent provided

Web

2021-09-12

Closed with explanation

Yes

2017-05-07

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

XXXX XXXX XXXX accounts dated for XXXX , amounts are {$650.00} & {$450.00}. -According to a statement dated for XXXX , mentions that the the original creditor is : XXXX XXXX , current creditor is : Jefferson Capital Systems LLC and the company who mailed statement is : XXXX XXXX XXXX XXXX XXXX XXXX -Disputed both debts with XXXX on several occasions due to a storm in Alabama that caused overages on cellular devices under both accounts ; also due to power outages.

CL Holdings LLC

AL

XXXXX

Consent provided

Web

2017-05-07

Closed with non-monetary relief

Yes

2023-05-10

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

XXXX XXXX Last XXXX of XXXX XXXX & XXXX XX/XX/XXXX Credit Bureau XXXX TransUnion XXXX XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE BALANCE of {$480.00}. XXXX on XXXX, Transunion, and XXXX how can First Premier, opened XX/XX/XXXX This is a violation of the FCRA XXXX XXXX XXXX ( I ) XXXX XXXX XXXX ( XXXX ) Civil liability for willful noncompliance XXXX XXXX XXXX ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account Their is also false inaccurate incomplete Inconsistent payment history made so all three reporting agencies XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX shows payment history within the last 24 months This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : Transunion shows no payment history within the last 24 months

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70065

Servicemember

Consent provided

Web

2023-05-10

Closed with non-monetary relief

Yes

2015-03-26

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!

CCS Financial Services, Inc.

AR

72015

Consent provided

Web

2015-03-26

Closed with explanation

Yes

No

2023-08-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have reviewed my report and I noticed some inaccurate information.

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

Experian Information Solutions Inc.

PA

19143

Consent provided

Web

2023-08-04

Closed with explanation

Yes

2018-07-14

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

Credit reporting

Incorrect information on your report

Account information incorrect

My complaint is both PHEAA and XXXX are reporting the status of an account with two different account numbers PHEAA # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally PHEAA continues to contact we and not my attorney who is currently handing my account via POA.

AES/PHEAA

NC

28227

Consent provided

Web

2018-07-14

Closed with explanation

Yes

2021-02-03

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

I recently received notices of the decision to close my credit card accounts for personal and business ( 2 of the 4 accounts ) : 27 year old, {$51000.00} credit line Account # XXXX 2 year old, {$10000.00}, Account # XXXX The reason stated Irregular authorized activity. Now my accounts are flagged as Bad Status. This is very disappointing for I have never had a negative implications or markers on these account or credit report. My credit history in impeccable. I pride myself on my established and strong credit reporting history and do not take this lightly of this unfortunate and abrupt termination of all my BofA accounts. It needs to be noted and high considered that this termination does impact my access to financial wealth, credit accessibility, and relationship with BofA. Permission to Add Authorize Users : To ensure I was not in violation of BofA credit card policy. On XX/XX/2020, I called and spoke to a representative named XXXX in the fraud department. I asked was the call being recorded and proceeded to ask for confirmation that it is permissible to add my described persons as an authorized user. She did confirm the call was recorded, and stated my intentions were permissible. In addition, I had more than {$400.00} Cash Rewards that is no longer available because BofA forfeited the funds. This too needs to be reversed, and a cash fund that I earned need to be allocated.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

XXXXX

Consent provided

Web

2021-02-03

Closed with explanation

Yes

2018-05-03

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I realized there was a debt on my credit from XXXX. I have never had a phone with XXXX or any services with XXXX. My father has the same name as me and he does have XXXX. I think the debt may belong to him.

Company believes it acted appropriately as authorized by contract or law

Amsher Collection Services, Inc.

FL

32839

Consent provided

Web

2018-05-03

Closed with explanation

Yes

2022-01-05

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

I closed my business checking account with Citibank on XX/XX/21 via the phone. Citibank claims to have mailed me a check. It never came. I called Citibank to alert them. They said they would issue a replacement check. The replacement check never came. Two lost checks in the mail seems suspicious. After numerous phone calls, and one month later, I arranged to pick up the funds at the local branch. It was explained to me that in order for me to pick up the monies at the branch, they would have to cancel the second check ( apparently, they canceled the initial check in order to issue the second check ), in order to transfer money to the branch 's general ledger, so I could in fact pick up the monies. I repeatedly asked for documentation -- copies of the two canceled checks -- as of today, I have yet to receive. While I did finally receive my funds, two loose checks are floating around with my name on it. I would like proof -- documentation -- that those two checks were canceled. Citibank is a finial institution that is supposed to keep accurate records. I am not sure why they refuse to share with me proof that they mailed the two checks. Right now, they are claiming that the XXXX Postal Service lost the mail -- yet, they refuse to provide docmentiaon that the checks were ever issued. Please provide a copy of the canceled checks, and a copy of the actual checks.

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

CITIBANK, N.A.

CA

90034

Consent provided

Web

2022-01-05

Closed with explanation

Yes

2022-06-07

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 Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

CA

90006

Consent provided

Web

2022-06-07

Closed with explanation

Yes

2023-07-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The list of accounts below have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C 1681. The accounts listed below does not belong to me. I request that any sign contracts or disclosures be sent with my written consent. XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries do not acknowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate the accounts listed

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

27604

Consent provided

Web

2023-07-02

Closed with explanation

Yes

2022-07-27

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

BJ 's Master Card serviced by Comenity Bank ( Bread Financial ) since XX/XX/2022 can not access my account either on line or through a representaive at the bank. The Bank can not provide me with any details or send me a statement of the charges on my account. I am not able to make payments on the account either on line or by phone. Their response is they can see that my account is active but can not see any details. I have been calling them since XX/XX/2022 and can not get this resolved as they continue to tell me their nothing they can do to help me. Since I can not access my account I can not provdie any futher details.

Bread Financial Holdings, Inc.

NJ

080XX

Older American

Consent provided

Web

2022-07-27

Closed with monetary relief

Yes

2023-05-11

Checking or savings account

Checking account

Problem caused by your funds being low

Non-sufficient funds and associated fees

Hi my name is XXXX XXXX .I got a call from Citizen Bank saying that if you were the one who withdrew {$80.00} and {$200.00} from an ATM machine at XXXX XXXX XXXX MA XXXX. I replied saying no that was not me and mentioning to them that it must have been a fake card because mine was in my wallet at that time. They asked me to file a fraud claim and said that they would send me a new card, so I filed a claim three times and they only refund {$80.00} not the other {$200.00} and they said that the other {$200.00} was me although I told them that it was not me when called. I tried to call them multiple times but they would not cooperate with me. This is my claim number XXXX The company is Citizen Bank . Thank you

CITIZENS FINANCIAL GROUP, INC.

MA

02151

Consent provided

Web

2023-05-11

Closed with monetary relief

Yes

2021-02-09

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

So I take my credit report and Wakefield and associates has two accounts put on my credit report and they're both identical for one they are double reporting which is unfair and not correct for two my ID was stolen I reported that to the police and my passport was stolen and I reported that to the agency I was supposed to as well and out of nowhere months later this appears on my credit report

WAKEFIELD & ASSOCIATES, INC.

TN

XXXXX

Consent provided

Web

2021-02-09

Closed with explanation

Yes

2021-08-21

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

US BANK allowed a debit transaction to process when there wasn't sufficient funds in the account to satisfy debit amount, without my permission. The consequence being my account being overdrawn. To which US BANK promptly added a overdraft charge of {$36.00}, a maintence fee of {$14.00}, and {$.00} service tax. When I contacted customer service, demanding a reversal of charges because I did not authorize said transaction. But also, US BANK should protect their clients accounts from such transactions is their are insufficient the in the account. Instead, US BANK designs their mobile app to have a default setting ALLOWING transactions to complete WITHOUT SUFFICIENT FUNDS. The support rep explained that I could change this overdraft setting, if I preferred. But nowhere, on their app or website, does the bank inform their customers that there is a setting for overdraft permissions and that it's default setting is in " allowed overdrafts '' mode. . This obvious fraud, as in the bank 's monetary gain from overdraft charges in the amount of {$36.00} per overdraft, needs to be addressed immediately. THIS IS OBVIOUSLY INTENTIONAL in order to financially gain from overdraft fees and FRAUD.

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

U.S. BANCORP

IA

526XX

Servicemember

Consent provided

Web

2021-08-21

Closed with explanation

Yes

2021-08-21

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

Barclays will not stand behind us on travel services not delivered. They are using the excuse that the charge is over three months old. The problem is there was no problem until only a few weeks ago when the travel promotion company canceled our prepaid contract due to their interpretation of what they said broke the contract. They accused us of traveling with a party to their destination which would break the contract. However, we we were not traveling with a group. They used a change of flight plans due to the airlines that require a new arrival date and we requested to stay at the original resort. They first agreed to work with us but then abruptly canceled our reservation and kept our money with the excuse we were now traveling with a group. This is simply not true. We sent all documents to Barclays as requested. This is a scam, not only by the travel company in XXXX but by Barclays who promises to stand by deliverance of services. Since we paid well in advance of the reservation, they are using the lapse of time between when we prepaid and the promised delivery date. This is not right or ethical. How could we challenge within 3 months if the promised services were ten months away? If that is the case, their policy of standing behind deliverance of services should say explicitly they will not honor prepaid travel services if paid more than 3 months ago.

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

BARCLAYS BANK DELAWARE

OR

97266

Consent provided

Web

2021-08-22

Closed with explanation

Yes

2021-12-07

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19143

Consent provided

Web

2021-12-07

Closed with non-monetary relief

Yes

2021-12-13

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

Deposit {$1400.00} was made by another person my Wells Fargo checking account on XXXX XXXX. A few days later XXXX XXXX Wells Fargo sent me an email message that they are putting the deposit on hold until XXXX XXXX. I contacted Wells Fargo, who claimed insufficient fund to clean check. Even though the {$1400.00} was removed form the other person bank ( XXXX ) XXXX XXXX,2021.A statement sent to my buy the person who made the deposit.

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

WELLS FARGO & COMPANY

DE

19701

Older American

Consent provided

Web

2021-12-13

Closed with explanation

Yes

2017-05-09

Debt collection

Auto debt

Attempts to collect debt not owed

Debt was paid

Vital Recovery Services , a debt collection agency, keeps calling me to collect on a matured auto lease. I have informed them multiple times that the account has been paid in full and closed ( which I confirmed with auto fina nce company ), but t hey will not listen and keep calling to hassle me. I told them to contact the auto finance company directly to sort out the issue, but they have refused to do so.

Vital Solutions, Inc.

NY

10028

Consent provided

Web

2017-05-09

Closed with explanation

Yes

2023-06-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I called XXXX to remove the inquiries that were not authorized by me and was told to call the company who created the inquiry in which I have already done so. I requested the following inquiries be removed as it is erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32209

Consent provided

Web

2023-06-22

Closed with explanation

Yes

2017-10-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

These accounts are not mines and some are 7 years old or more. XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted. COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention

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

Experian Information Solutions Inc.

TX

XXXXX

Servicemember

Consent provided

Web

2017-10-14

Closed with non-monetary relief

Yes

2018-07-13

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

The North Shore Agency debt collection agency attempts to collect {$100.00} for the XXXX XXXX ( Creditor ) Account # XXXX It claimed that they sent me jewelry in which I had never ordered nor did I receive it. The debt collection agency web is XXXX The automated attendant toll free number is XXXX The address is North Shore Agency -- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

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

North Shore Agency, LLC

NY

11375

Consent provided

Web

2018-07-13

Closed with explanation

Yes

2023-08-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Accounts : Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : Miscellaneous Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

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

Experian Information Solutions Inc.

CA

91977

Consent provided

Web

2023-08-09

Closed with non-monetary relief

Yes

2023-07-04

Debt collection

Auto debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

I have never done business with this company. I owe this company nothing. 5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

Mercedes Benz Financial Services

CA

90302

Consent provided

Web

2023-08-08

Closed with explanation

Yes

2023-08-22

Credit card or prepaid card

General-purpose credit card or charge card

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

Was not notified of investigation status or results

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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

Experian Information Solutions Inc.

IL

60620

Consent provided

Web

2023-08-22

Closed with explanation

Yes

2023-08-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95051

Consent provided

Web

2023-08-11

Closed with non-monetary relief

Yes

2020-12-01

Checking or savings account

Checking account

Managing an account

Banking errors

On XX/XX/XXXX I tried to make a transfer deposit of {$430.00} from my Chime checking account ( XXXX XXXX ) to my XXXX bank account online. I had just received {$430.00} ( confirmed credited to my account ) in the form of a direct deposit from my employer earlier on the same date. XXXX XXXX rejected this deposit on XX/XX/XXXX and stated insufficient funds were the reason. Per XXXX, the deposit was returned unpaid to Chime and debited from my XXXX account. My balance in my Chime account was enough to cover such a deposit, however. After speaking to Chime several times I spoke with XXXX, a manager in the claims department, who told me that I would have to fill out a claim form for the money and then submit it to another department. He assured me that he would email me the proper form ( s ). I have yet to receive anything from him or the department. My last call to them yesterday XXXX XX/XX/XXXX ) ended with a customer service representative hanging up on me while I was complaining about my situation. Earlier yesterday Chime had sent me an email stating that there was no reason for them to credit my account with the {$430.00} from the failed transfer.

Chime Financial Inc

VA

240XX

Consent provided

Web

2020-12-01

Closed with explanation

Yes

2021-05-24

Debt collection

Other debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Sequium Asset Solution placed a {$360.00} collection default on my account on behalf of XXXX XXXX. I tried calling them but they do not respond to messages I had to leave at XXXX. I have never done business with XXXX and never had an account with them. The email address they referenced for this debt, is not mine. They obviously have me mixed up with someone else. I have never been late on any payment to anyone in my entire life!

Company believes it acted appropriately as authorized by contract or law

Sequium Asset Solutions, LLC

MI

483XX

Older American

Consent provided

Web

2021-05-24

Closed with explanation

Yes

2018-05-11

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

Credit reporting

Incorrect information on your report

Account status incorrect

On my transunion account it is showing XXXX XXXX XXXX as a derogatory mark. That account should have been closed. It is still reporting as opened on my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

62703

Consent provided

Web

2018-05-11

Closed with explanation

Yes

2022-12-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

IL

60504

Consent provided

Web

2022-12-01

Closed with explanation

Yes

2016-02-05

Debt collection

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

Disclosure verification of debt

Right to dispute notice not received

I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.

Company chooses not to provide a public response

Kriya Capital, LLC

CA

91205

Consent provided

Web

2016-02-05

Closed with non-monetary relief

Yes

Yes

2022-11-11

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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

36116

Consent provided

Web

2022-11-11

Closed with non-monetary relief

Yes

2022-07-16

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I tried to terminate my monthly membership with XXXX XXXX after only going to their location ONCE in XX/XX/2021, but was unable to get in touch with anyone, or perform any processes online that allowed me to do so. They continued to keep fraudulently charging an expired XXXX card, I had to issue a stop-payment order to even get them to stop, as they had already charged several hundred dollars to my account without my knowledge. I attempted to call their phone lines dozens of times, waiting on hold for hours before being disconnected. I was never able to get in touch with any people to resolve anything. In addition to this, I never received any notice in the mail from anyone about any attempts to collect debt ( illegitimate or not ). I never provided my social security number to XXXX XXXX, nor did I authorize them to continue charging me for a service I was no longer using, and had long cancelled via my cardholder 's stop-payment order. Suddenly, a mark appeared on my credit report, which is detrimental for me as I am due to purchase a car soon, which is how I found out about this. I never received any notice in the mail of any kind informing me of an impending collections action, nor any phone calls.

Consumer Adjustment Company Incorporated

CA

95833

Consent provided

Web

2022-07-16

Closed with explanation

Yes

2016-07-31

Student loan

Non-federal student loan

Dealing with my lender or servicer

Received bad information about my loan

Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MN

55372

Consent provided

Web

2016-08-03

Closed with explanation

Yes

No

2023-06-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Lawful Notice Of Dispute To : DeptedNelnet, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in receipt of a computer- generated letter from your company dated XX/XX/2023, unsigned, unvalidated statements alleging some kind of debt. It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of purjury. Who are you? Do I have a contract with you?

Nelnet, Inc.

NJ

08638

Consent provided

Web

2023-06-17

Closed with explanation

Yes

2023-04-12

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

Credit reporting

Incorrect information on your report

Account status incorrect

I am the Creditor of the accounts listed below pursuant to XXXX XXXX XXXX XXXX ( F ) The term Credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The consumer credit transaction created by me granted the rights to comenitybank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by way of endorsement. I am the original creditor pursuant to 15 U.S Code 1602 ( g ) The term creditor refers only to a person whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. The debt derived from me when the note was endorsed by me. The information reported by this agency is not reporting the true and original Creditor and therefor the accounts is not reported accurately and needs to be removed. I demand you verify that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Social Security Card was used to extend credit to these companies it was the Credit card used to fund these accounts pursuant to 15 U.S Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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

Experian Information Solutions Inc.

NY

11422

Consent provided

Web

2023-04-12

Closed with explanation

Yes

2020-06-19

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

Citibank offered me another card with 0 % APR for 21 months on balance transfers and 12 months on purchases. I have an existing Citibank Card XXXX XXXX XXXX XXXX with a XXXX balance and credit limit of {$13000.00}. The new card with the promotion only has a credit limit of {$1000.00}. I contacted Citibank to have them match the other card 's credit limit or move the promotion from card ending XXXX to card ending XXXX. They refused to do anything.

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

CITIBANK, N.A.

IN

XXXXX

Consent provided

Web

2020-06-19

Closed with explanation

Yes

2020-12-21

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

I opened a account I was told it would be pay ed off in a year it not I haven't gotten any where they misled me I'm a senior citizen

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

SYNCHRONY FINANCIAL

VA

245XX

Older American, Servicemember

Consent provided

Web

2020-12-21

Closed with monetary relief

Yes

2022-11-07

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX corrected the lates on their end, but said I had to go through this process to update the information with the credit reporting bureau 's

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

Experian Information Solutions Inc.

GA

30047

Servicemember

Consent provided

Web

2022-11-07

Closed with explanation

Yes

2023-04-20

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

TX

78752

Consent provided

Web

2023-04-20

Closed with explanation

Yes

2019-03-20

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

they keep calling and identify themselves as genisis credit and their a debt collector, but they never say what its regarding and who the creditor is, i never received a written noticed from them in the mail. please investigate them and end this abuse

Genesis Credit Management, LLC

CA

953XX

Consent provided

Web

2019-03-20

Closed with explanation

Yes

2021-11-09

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Money was taken from your account on the wrong day or for the wrong amount

Ive had around XXXX dollars withdrawn from my BofA account. I was told that I had until Wednesday XX/XX/XXXX to pay the money. As the charges havent been reversed I can no longer pay the amount and am out of a job. There has been recurring charges every single day since the XXXX amounting to the XXXX dollars Im renting to drive and have no idea how to manage this as BofA already cleared my account as of XX/XX/XXXX and now XXXX is charging with amounts not agreed to in the contract Even if I had warranted a XXXX dollar a day charge that would be a quarter of the amount take BofA XXXX XXXX are leading people to lose money and this is a key example I do believe there is fraudulent activity involved Both the XXXX employee and investigator have said Im not in repossession

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

90813

Consent provided

Web

2021-11-09

Closed with explanation

Yes

2023-08-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

304XX

Consent provided

Web

2023-08-12

Closed with non-monetary relief

Yes

2022-04-12

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

i had a checking account with citi bank and they closed it out and now iam having trouble getting my money back i get nothing but different stories from different people

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

CITIBANK, N.A.

OH

44035

Consent provided

Web

2022-04-12

Closed with explanation

Yes

2017-07-22

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

In early 2017, I applied for -- and was approved for -- a Macy 's branded American Express ( i.e., open loop ) credit card, which is issued by Department Stores National Bank ( hereinafter " DSNB '' ), a subsidiary of Citibank. The card was given a {$7000.00} credit limit. I utilized the card heavily, charging several multiples of the credit limit. This often resulted in later-declined charges and fraud blocks on the card that became inconvenient. However, all bills were paid on time and all charges were authorized by me. In early XXXX, 2017, I had anticipated the need to make multiple large charges on my Macy 's American Express. As a result, I overpaid the balance by making in-store payments. This resulted in a substantial overpayment. My hope was that this would allow me to make continued charges on the card without the inconvenience of continued blocks on the card. Unfortunately, shortly thereafter, the card was locked. When calling the phone number on the back on the card, I was immediately routed to a representative ( usually with a 20-minute wait ) instead of the XXXX. This resulted in multiple inquiries about the status of the card. Despite answering all the questions related to the card 's usage and payment history, the card was not unlocked. In early XXXX ( a month after the card was locked ), I spoke with a representative from DSNB 's fraud team who indicated that the card was locked and that there was " no timetable for the lock to be removed. '' As a result, I requested that the credit balance be refunded to me, and the representative assured me it would be. In early XXXX ( XXXX XXXX, 2017, specifically ), having received no refund or even any indication of a refund on the electronic card-management system ( XXXX XXXX XXXX XXXX ), I sent a certified letter ( return receipt requested ) to the address of record for Department Stores National Bank indicating my written request for a credit balance refund in accord with 12 CFR 1026.11 ( a ). As noted in this code section, upon receipt of the written request, the creditor has seven ( 7 ) business days to return the credit balance to the consumer. Per return receipt, the letter was received by DSNB on XXXX XXXX, 2017. As of today, XXXX XXXX, 2017, the electronic card-management system still shows no record of a credit balance refund. As such, DSNB and its parent, Citibank, are in violation of federal law. To avoid continued dispute, please refund the credit balance to the cardholder immediately.

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

CITIBANK, N.A.

CA

920XX

Consent provided

Web

2017-07-22

Closed with non-monetary relief

Yes

2021-04-06

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from Capital One NA. I know nothing of anything I may owe or even ever having used Capital One NA. I would like any verification that I owed anything to Capital One NA and when this was assumed and for what the bill was generated. If XXXX can not verify this claim, I want the claim erased from my credit reports. Thanks for your help. XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

MO

XXXXX

Consent provided

Web

2021-04-09

Closed with explanation

Yes

2018-09-19

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

According to the Fair Credit Reporting Ace, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/218, I sent an initial letter requesting them to remove specific inquiries that I believe were placed in error. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up letter referencing XXXX v TransUnion, again asking them to investigate and remove the inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/2018 stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32205

Consent provided

Web

2018-09-19

Closed with explanation

Yes

2020-08-03

Debt collection

Credit card debt

Threatened to contact someone or share information improperly

Talked to a third-party about your debt

On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was XXXX. XXXX sent Kohn Law Group my incorrect information and are threatening me with a lawsuit. First off, XXXX does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now XXXX and Kohn Law Firm and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that XXXX posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. My reputation and financial information were completely violated. To make matters worse, when I contacted XXXX, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager, but instead he hung up. All the information XXXX has pertaining to me is inaccurate as well as this debt. Barclay has written off my account and did not reach out to me to pay them any outstanding amount. XXXX who is working alongside with Kohn Law Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want XXXX or Kohn Law Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.

Kohn Law Firm S.C.

IL

60016

Consent provided

Web

2020-08-03

Closed with explanation

Yes

2019-10-28

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

Credit reporting

Incorrect information on your report

Account information incorrect

capitol one auto finance acct. XXXX XXXX. XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX in the year, 2016 month of XXXX and XXXX my account is showing a charge-off. there was a payment agreement placed on the account to help bring the account to a current balance. These two charges-offs should be removed. the account is current with monthly payments being made as agreed. please have capitol one remove charge-off. talked to a supervisor named XXXX, ID, XXXX

CAPITAL ONE FINANCIAL CORPORATION

NJ

08902

Consent provided

Web

2019-10-29

Closed with explanation

Yes

2023-04-13

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

The information this debt collection agency is claiming to be mine is not accurate information.

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

TrueAccord Corp.

GA

30067

Consent provided

Web

2023-04-13

Closed with explanation

Yes

2023-08-20

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

My federal student loans were recently moved to MOHELA. I called MOHELA with a question regarding my consolidated loans which are in an IDR plan and have been due awhile. They said they had no info on my loans pre-consolidation. They told me to call Dept. of Ed. I called XXXX and they told me MOHELA has to have that information. I want to know what happens to my payments on my loans when I first consolidated. 7 years later I went back to school, and my loan provider at the time told me I had to reconsolidate my loans to continue with IBR. So I want to know if my payments count towards my 25 years or not. No one can tell me. And if they don't then who I contact about receiving deceiving/predatory loan advice.

Company believes it acted appropriately as authorized by contract or law

MOHELA

MN

55122

Consent provided

Web

2023-08-20

Closed with explanation

Yes

2021-08-16

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Account Information Name : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX, XXXX. Outstanding Balance : {$120.00} Payment Amount : {$120.00} Make a payment now You are making a payment of {$120.00} towards your balance of {$120.00} due to XXXX XXXXXXXX Card Bank Transfer Credit or Debit All fields required. Name ( As appears on card ) Card Postal / Zip Code I made a reservation thru XXXX Hotels for the amount of {$120.00}. I immediately cancelled the reservation. XXXX XXXX has been charging me amount due. I have sent them documentation to let them know that XXXX confirmed the cancelation. Now it is in collection via TrueAccord. TrueAccord at XXXX or ( XXXX ) XXXX. This is the organization that is requesting debt collection. I will not pay them for a service that was not provided to me whatsoever. .

TrueAccord Corp.

CA

90650

Servicemember

Consent provided

Web

2021-08-16

Closed with explanation

Yes

2020-07-10

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

Credit reporting

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

Their investigation did not fix an error on your report

I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Equifax did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Equifax is allowing this to occur.

EQUIFAX, INC.

MS

395XX

Consent provided

Web

2020-07-10

Closed with explanation

Yes

2020-07-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Equifax has some bad information on my report and will not allow me to fix the information. They say there is an installment loan, a student loan and a mortgage, all of which I do not have!!!!!

EQUIFAX, INC.

DE

19803

Servicemember

Consent provided

Web

2020-07-08

Closed with explanation

Yes

2023-03-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identinty theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

EQUIFAX, INC.

PA

19124

Consent provided

Web

2023-03-24

Closed with explanation

Yes

2022-06-16

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

Credit reporting

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

Their investigation did not fix an error on your report

I received an alert from my credit card company stating that my score had decreased due to an account reporting a write-off in my name to the credit bureaus. I completed the dispute process since I had no knowledge of opening an XXXX XXXX credit card. I received the results of the investigation done by Experian and no changes have been made and additionally stated that the information is correct.

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

Experian Information Solutions Inc.

NJ

07202

Consent provided

Web

2022-06-16

Closed with explanation

Yes

2018-04-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my credit without my authorization.

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

WELLS FARGO & COMPANY

CA

949XX

Consent provided

Web

2018-04-16

Closed with explanation

Yes

2020-07-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S CRUEL ACTIONS. I ALSO FEEL LIKE I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

EQUIFAX, INC.

FL

33179

Consent provided

Web

2020-07-01

Closed with explanation

Yes

2019-09-06

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

Credit reporting

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

Their investigation did not fix an error on your report

CRA refuses to remove fraudulent items even after FTC AND POLICE REPORT was sent over.

EQUIFAX, INC.

IL

60649

Consent provided

Web

2019-09-06

Closed with non-monetary relief

Yes

2019-10-16

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

Called to file and investigate the dispute. I was advised my information not matching the application that was filed.

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

SYNCHRONY FINANCIAL

TX

75159

Consent provided

Web

2019-10-16

Closed with non-monetary relief

Yes

2021-12-16

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021 I informed The consumer reporting agencies, XXXX, Experian, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.

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

Experian Information Solutions Inc.

IL

604XX

Consent provided

Web

2021-12-16

Closed with non-monetary relief

Yes

2020-06-15

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

Citibank issued a new card to another person using my name but a different address and email. The person ran up over {$10000.00} in balance transfers and loans to another account which is not mine,. Citibank than actually took money out of my checking account to make one of the loan payments. That's how I found out about the charges on the card, I contacted Citibank about the fraud. They then gave the money back in my checking account but never took the fraudulent charges off my credit card, which since has ruined my credit. I have had numerous calls with their fraud dept., they say they are working on it, promise to call back but never do. Its been since XXXX and still they show on my card that I own them over {$10000.00} The customer service just ignores that the account is under investigation and keeps sending payment warnings, as our credit rating keeps dropping

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

CITIBANK, N.A.

FL

33311

Older American

Consent provided

Web

2020-06-15

Closed with monetary relief

Yes

2023-06-01

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

I have had a Capital One Quicksilver card for several years. Before the pandemic I had no problems with the card and could easily check my statements on line. Sometime in XXXX, the website check in procedures changed and they demanded they send a text to a US phone number. I had one but XXXX XXXX XXXX canceled my number as that program was not available. I got another number from XXXX. When I called to change the number, they asked me to photograph and send my ID. I sent my passport and passport card. I followed up several times and resent it. No response. They said I must have a US driver 's licence as ID to change the phone number. Everyone in the US does not have or are able to get a US driver 's license. I experienced a similar problem with XXXX XXXX. After several complaints, XXXX suggested and sent a XXXX device that resolved the problem of a US phone. Capital One has yet to address the issue. I sent an email to an executive with Cap One credit cards. " Dear XXXX XXXX, I have been a Capital credit card customer since XXXX, card ending XXXX. I really enjoyed the service, and would like to avail of the offers I am getting for the 360 account, however, sometime during the pandemic the access to my account was changed that demanded a US number be available to check my account. I had an XXXX number, but they canceled it. When I got a new US number, I was told I could only change it by sending a photo of my US driver 's license. I spend most of my time overseas and don't have a US driver 's license. I am nearly a super senior and many of us develop XXXX as we age making getting a US driver 's license not possible. I have twice sent my US passport and passport card as directed, but no response. The other financial firms I use, allow a foreign phone number or give an option to confirm I am really me via email or 20 questions. XXXX XXXX gave me a XXXX. Some of my accounts are at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Never had a problem accessing my accounts. Only Capital One has this requirement that I find most unfair and prejudiced against anyone with a XXXX. I have a new card but I have not activated it as I can not check if there are unauthorized charges, or as in the case of my honeymoon we canceled due to XXXX, I still don't know if my card was credited the hotel charges. I know you are a very busy man as President of Capital One credit cards, but can you forward this to someone that can help? Sincerely appreciate the Help, XXXX XXXX XXXX '' I received an email from Cap One, that I could open with the last four numbers of my Social security number. When I opened it, the email demanded I receive a call or text from the same canceled number. They did include for the first time, an email address. XXXX. I sent XXXX an email, and shortly received the same email requiring the last 4 of my Social security number and the same canceled phone number. I can not activate the new card if I have no way to verify all the charges are correct. I trust your agency can get their attention. Thank you for your efforts. Best Regards, XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

AZ

85718

Older American

Consent provided

Web

2023-06-01

Closed with explanation

Yes

2020-08-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33147

Consent provided

Web

2020-08-20

Closed with explanation

Yes

2021-01-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have attempted to contacted XXXX and XXXX on multiple occasion to investigate an account with XXXX XXXX XXXX/XXXX in the amount of {$2300.00} which is reporting on my credit report as a collection account. I have tried to initiate a second dispute with supporting documentation but every time I call these agencies their computer systems are always down, and I am asked to call back later. I have never conducted any business with the above mobile services company. I am a XXXX-year-old XXXX woman who do not use these services, nor have I given authorization to anyone to use my person information for these services, this account was obtained fraudulently, and which is appearing on my credit files severely damaging my credit rating., After many failed attempts to alert Experian , XXXX and XXXX I am overwhelmed and do not know what else to do.

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

Experian Information Solutions Inc.

CA

90016

Older American

Consent provided

Web

2021-01-21

Closed with explanation

Yes

2021-12-21

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

Credit reporting

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

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

XXXX XXXX XXXX XXXX, illegally repossessed XXXX. Did not send proper notice, did not respond to certified letter or calls. Continue to report repossession to credit bureaus when the XXXX was already sold over my contract balance satisfying amount and refund due to me. XXXXl XXXX refused to refund amount recovered after illegal sell and did not tell me where my vehicle was held or did not allow me to recover my personal items totaled over {$1000.00}. Illegal Violations

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19119

Consent provided

Web

2021-12-21

Closed with non-monetary relief

Yes

2021-10-16

Student loan

Private student loan

Dealing with your lender or servicer

Trouble with how payments are being handled

I took out a private loan, XXXX XXXX XXXX, from Navient on XX/XX/2006. My father-in-law cosigned this loan for me. I still have a balance on this loan due to it being in deferment when I went back to school for my XXXX XXXX XXXX and due to the government halt on student loans for COVID relief. My father-in-law is in very bad health, has retired, and is not in the financial shape he was in back in XXXX. He has requested to be taken off the loan as a co-signer. I have called Navient to get this taken care of, but they will not work with me at all. I could get another co-signer added to the loan in place of my father-in-law so he will not have to be burdened with it. He did me a favor at the time he agreed to be a cosigner which I appreciate. I did not intend for it to eventually cause him distress and have an impact on his financial situation.

Navient Solutions, LLC.

IN

46123

Consent provided

Web

2021-10-16

Closed with explanation

Yes

2015-04-19

Debt collection

Auto

Cont'd attempts collect debt not owed

Debt was paid

auto insurance that was paid this company did not represent my interest in a accident without investigation by other company which they did n't report my side to the proper parties just wanted to close there case and settle i later dropped there insurance they tried to quick settle and did not replace my damage parts and inproper vehicle inspection. my monies were paid and they continued to send a final statement of monies owed by me i talked to them several times within that year and they would not provide proof of the XXXX dollars they say i owe them.

TRANSWORLD SYSTEMS INC

CA

91942

Servicemember

Consent provided

Web

2015-04-19

Closed with explanation

Yes

No

2023-02-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$410.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

CA

93711

Consent provided

Web

2023-02-25

Closed with explanation

Yes