Datasets:

aciborowska

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customers-complaints

like 1

2018-11-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of dthe informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , and Chapter XXXX Bankruptcy Discharged XXXX-XX/XX/XXXX

EQUIFAX, INC.

TN

383XX

Consent provided

Web

2018-11-13

Closed with explanation

Yes

2020-08-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I FILED A COMPLIANT IN XXXX BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT HAVE NOT GOTTEN ANY HELP FROM THE CREDIT BUREAUS

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

Experian Information Solutions Inc.

CA

953XX

Consent provided

Web

2020-08-11

Closed with explanation

Yes

2022-07-27

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

Credit reporting

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

Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33990

Consent provided

Web

2022-07-27

Closed with non-monetary relief

Yes

2023-02-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect. In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place. Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA. In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you. Accounts in question : XXXX XXXX XXXX - {$76.00}, XXXX XXXX XXXX XXXX - {$290.00}

Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

CA

XXXXX

Consent provided

Web

2023-02-14

Closed with explanation

Yes

2018-02-23

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

Credit reporting

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

Their investigation did not fix an error on your report

I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX breach has compromised millions of Americans private information and I'm one of them.

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

Experian Information Solutions Inc.

MO

63118

Consent provided

Web

2018-02-23

Closed with explanation

Yes

2020-05-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED I contacted XXXX XXXX XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. XXXX XXXX XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED I contacted XXXX XXXX XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. XXXX XXXX XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED I contacted XXXX XXXX XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

EQUIFAX, INC.

MI

48066

Consent provided

Web

2020-05-28

Closed with explanation

Yes

2022-11-12

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

Credit reporting

Incorrect information on your report

Personal information incorrect

report on Experian that certain addresses on file or Un arcuate.

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

Experian Information Solutions Inc.

NY

11520

Consent provided

Web

2022-11-12

Closed with explanation

Yes

2017-06-15

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/XXXX , I opened an account with XXXX for cellular service. After a few days, I decided that this was not a good plan for me. I closed the account and return all the equipment on XX/XX/XXXX . On XX/XX/XXXX , I received the first notice relating to this matter from McCarthy, Burgess and Wolff. I never received any communication from XXXX . After receiving that first noticed, I immediately called XXXX , spoke to XXXX # XXXX , she stated that she could not pull the records and that I would need to speak to a lawyer. She transferred me to th e Collection Agency, I spoke to XXXX ( operator ), and she then transferred me to XXXX XXXX ( XXXX ext XXXX . I explained that this should never had been sent to collections, because all the equipment was returned on XX/XX/XXXX . Furthermore, the XXXX statements have the wrong address. That is not my address, nor as it ever been. XXXX stated that she would submit a dispute on my behalf. Then, on XX/XX/XXXX I called and spoke to XXXX , she said that the dispute was never done by XXXX XXXX . She said that she would put in the dispute and that I need to wait 30 days. I asked to speak to the supervisor XXXX XXXX ext XXXX . Explained the situation, he said that he would call me back, but he never did. I called him back on XX/XX/XXXX , where I had to repeat the issue to him, he said that he needed to file the dispute again. He could not give a time frame for resolution. He was unethical and did not do what he said he would do. The bottom line is that that XXXX put me in collections unlawfully, which impacted my credit report for equipment that was returned on XX/XX/XXXX . I have attempted to resolve this matter with the collection agency and XXXX , but neither is responding accordingly. I should have never been put in collections for this matter. Furthermore, the impact on the credit report effected my ability to get business loans for my business.

Company believes it acted appropriately as authorized by contract or law

McCarthy, Burgess & Wolff, Inc.

FL

33015

Consent provided

Web

2017-06-22

Closed with explanation

Yes

2021-08-18

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX account XXXX This company wrecked and destroyed our lives to pay off an organized crime scheme involving XXXX XXXX and fraud at the US/MEX border in XXXX. They have ruined our finances. They have stolen what we worked for. They have treated XXXX XXXX as a joke.

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

Experian Information Solutions Inc.

WA

98109

Consent provided

Web

2021-08-18

Closed with explanation

Yes

2023-07-19

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

I made several online purchases from XXXX on XX/XX/2023. I was double- charged on all of my purchases on that date. The charges in dispute with Citicard involve a charge for two mattresses which I never received and was notified by XXXX that I was refunded for both charges for {$160.00} each. I received only one posted credit from Citicard & was informed by the Dispute Center that I was responsible for {$160.00}. This dispute process has been ongoing for two months. Additionally, I have talked to two agents from XXXX who assured me that I would not be double charged. I have the documented correspondence. I have also talked to two Citicard agents who assured me that the matter would be investigated. I hav even contacted the CEO of Citicards and sent all relevant documents. I also did not receive credit for a refund for a return to an XXXX merchant. I returned a cabinet for $ {$42.00} & a watch for {$26.00} and received a refund from XXXX but the conditional credit was reversed by Citicard dispute center.

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

CITIBANK, N.A.

FL

34983

Consent provided

Web

2023-07-19

Closed with monetary relief

Yes

2021-11-03

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2021 I sent a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating that they " verified '' this item thru USBK Court of Colorado. I contacted the US Bankruptcy Court of Colorado directly to dispute the item in question and they replied in writing that they do not report or send information to any websites, internet search or credit reporting agencies. I then went back to Transunion and showed them the letter from the US Bankruptcy Court of Colorado and still no verification. The letter stated that they do not report or work with any credit bureau to verify this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is preventing me from the access to purchase a home and causing me hundreds more in interest every year. I have tried to provide everything possible to Transunion to resolve this issue I also sent proof that this was deleted from my XXXX XXXX report as well due to being unable to verify as well. I have still gotten no where but the same result and information no proof. On XX/XX/2021 I received a letter from Transunion stating that they reinvestigated and account is verified as accurate. Again they have not provided me any proof of where they are verifying this information from once again. They again have provided the same response after my initial complaint. This item needs to be deleted from my credit report if it can not be verified within 30 Days.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

80013

Consent provided

Web

2021-11-03

Closed with explanation

Yes

2017-12-16

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

Credit reporting

Incorrect information on your report

Account information incorrect

There are many mistakes appear in my report without my understanding.

EQUIFAX, INC.

CA

95148

Consent provided

Web

2017-12-16

Closed with explanation

Yes

2016-08-07

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Received bad information about my loan

my husband and I have a pa aes student loan we are paying on we signed a agreement in 2013 we also gave permission to to a automatic debit weekly of XXXX dollars we have not missed a payment since we started this they told us 10 payments and we would be out of default I became XXXX and they told me that I needed to fill out paperwork to have the l oans dismissed nlet told me aes has me stil in default I told them no I have not missed a payment since we made payment arrangements and so far I have paid back XXXX since I started paying. I contacted them and they told me that I did not sign the paperwork I told them if I did not sign everything you would not be able to take the paments out why am I in default he told me that I had to start paying them XXXX weekly and when I started paying that and sign new paperwork I would be out of default and they will take all the payments I made and apply it to the loan but in the mean time since they have not taken the money I sent them and put it on the loan al this intrest has build up on it. com on what kind of scam are they trying to putl on me even thought I have been paying faitfully and they had me sign paperwork for automatic deduction and even thought they accepted al lthe money I sent and kept it in ther eaccount and never applied it to minehow do they get away with ripping people off like this its bad enough that my husband has to pay XXXX to a trade school he never hardly went to because he hwas mental at the time and they kept letting him take out student loans knowing he was in no condition to go to school let alone a trade school please can someone help us we have no more money to dish out and they are killing us financially

AES/PHEAA

OH

441XX

Servicemember

Consent provided

Web

2016-08-07

Closed with explanation

Yes

Yes

2023-05-24

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

Fraudulent activity was spotted on the credit card. Reported to the issuing company, chase. They removed the charges to conduct their investigation. Resulted in them saying they believe the charges to be valid based on merchant reporting identifying information that matched along with an ip address match. Subsequent research found my personal information to have been leaked in previous data breaches compromising my personal information. Believed to have suffered from identity theft resulting in the fraudulent charges on the account. Have since filed fraud alerts on XXXX, identity theft report with the ftc, and exploring other avenues of recourse. Chase conducted a secondary investigation but still believes the charges to be valid and not honoring the fraud protection offered on the account.

JPMORGAN CHASE & CO.

FL

33904

Consent provided

Web

2023-05-24

Closed with explanation

Yes

2022-05-31

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 mailed out my dispute letter to equifax on XX/XX/XXXX XXXX Credit agencies have 30-45 days to respond. I recently ordered my credit report prior to XX/XX/XXXX and notice that there were some things on my report that were incorrect. Here are the items I want to dispute XXXX XXXX XXXX This account was sold to a debt agency that can not validate I owe them this debt. The account is closed and the balance is XXXX. XXXX XXXX BNK- This account was also sold to a debt collector who can not validate I owe them this debt. This is a charged off account meaning the original creditor was paid for this account and I do not owe a company that bought a debt that was already paid. These collections violate my rights under the FCRA and the Statue of Limitations have exceeded the time frame needed for me to be sued for these debts. Please delete these items off of my credit report.

EQUIFAX, INC.

WI

53216

Consent provided

Web

2022-06-01

Closed with explanation

Yes

2021-06-16

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

RE : My TransUnion letter dated XX/XX/XXXX ( enclosed ). Could someone please read through my attached ID Theft Police Report? I am not having any luck with the CFPB site. I am still needing help with my TransUnion letter ( attached ) indicating that my Police Report is not valid. I have tried asking for help with the CFPB. The CFPB yet has only forwarded my same questions that I have regarding my ID Police Report to TransUnion. However, I am really wanting the answer to my question does my submitted to TransUnion ID Theft Report include essential information ( TransUnion claims per 605B of the FCRA the Police Report is missing essential information )? Yesterday, XX/XX/XXXX, the following is the TransUnion response I received through CFPB : Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX There is no mention in the Companys Response from TransUnion about my Police Report. I still have no answer to my initial complaint. This TransUnion Response also answered nothing related to my initial letter to CFPB. I am not sure who advocates on my behalf, now. Again, TransUnion states in their attached letter dated XX/XX/XXXX that my ID Theft Report not valid because the Police report is missing essential information, per 605B of the FCRA. I did provide a complete ID Theft Police Report with identifying information and how my information was used to open credit card accounts. I have also provided complete account specific information and with partial account numbers. I am enclosing all four pages of my filed Identity Theft ( Fraud ) Police Report from the Fate, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. Is this enough information to make my ID theft Report valid under 605B of the FCRA? If it does, please somehow let TransUnion know that my Police Report is really valid. I have also tried unsuccessfully and related to ID Theft Police Report to dispute the following TransUnion reported fraudulent accounts that were opened without my consent or knowledge : XXXX. XXXX XXXX XXXX Account Number XXXX 2. XXXX XXXX XXXX Account Number XXXX. Please contact me at ( XXXX ) XXXX, if further information is needed. Thank you. Sincerely, XXXX XXXX XXXX SS # XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75189

Servicemember

Consent provided

Web

2021-06-16

Closed with explanation

Yes

2022-09-07

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I live in a poor neighborhood, and Wells Fargo has abandoned my neighborhood. This is an act of XXXX XXXX XXXX XXXX My neighborhood branch of Wells Fargo XXXX XXXX XXXX XXXX ) has not been open for over a month. As of XX/XX/2022 the ATMs at my neighborhood branch are out of cash. I spoke to the following Wells Fargo reps on the telephone on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX None of these reps stated that the problem would be resolved. All three reps advised me to travel to another branch when I need to use an ATM.

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

WELLS FARGO & COMPANY

CA

XXXXX

Older American

Consent provided

Web

2022-09-07

Closed with explanation

Yes

2017-05-28

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.

Williams & Fudge, Inc

GA

XXXXX

Consent provided

Web

2017-05-28

Closed with explanation

Yes

2023-01-19

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

I submitted a fraud dispute back in XX/XX/XXXX for a unauthorized charges I did NOT make. However, in XX/XX/XXXX, I received a response from chase stated that I have to be responsible for the charge. THe detail of the transaction is listed as below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

JPMORGAN CHASE & CO.

XXXXX

Consent provided

Web

2023-01-19

Closed with explanation

Yes

2016-06-04

Debt collection

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

Improper contact or sharing of info

Talked to a third party about my debt

PayPal continuously contacted XXXX XXXX about a debt before XXXX as well as informed her of an amount and what actions they are going to take against me. I am understanding that they continue to communicate with her even after she stated she wishes to no longer be contacted. I have never used her information with PayPal. She is simply a family friend who I sent money to, without issues or incidents, using PayPal services.

Paypal Holdings, Inc

SC

292XX

Consent provided

Web

2016-06-07

Closed with non-monetary relief

Yes

No

2021-11-09

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 involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. The inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

EQUIFAX, INC.

GA

30342

Consent provided

Web

2021-11-09

Closed with explanation

Yes

2020-08-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XX/XX/2020 HARRIS & HARRIS, LTD Agency number XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is {$150.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this tradeline to be removed from my credit file as soon as possible. The original creditor number that is listed is XXXX. This erroneous and illegal tradeline is damaging my credit greatly! Please assist.

Harris & Harris, Ltd.

IL

XXXXX

Servicemember

Consent provided

Web

2020-08-17

Closed with explanation

Yes

2021-10-23

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

On XX/XX/XXXX, I paid my credit card balance off in full. Previous to this date I paid my card on time every month. On XXXX, I was hit for a finance charge of XXXX. Given that my card was paid off, I should not have acquired this charge. I was not notified of a balance due through mail or by phone and was not aware of a charge until earlier this month after purchasing a vehicle. I then paid XXXX and sent an email immediately to my company apologizing and asking them to waive the fee. I then went to purchase an item yesterday and found out I have been reported to the credit bureaus for being 90 days past due on my account. I immediately called my credit company to find out what I could do to resolve this. After looking further into this I found I was hit with 2 late fees and interest accrued to XXXX. I was told by the supervisor there was nothing I could do. I am stuck with a ding on my credit report after being charged a finance charge on a balance that I had previously paid off.

Bread Financial Holdings, Inc.

CO

80538

Consent provided

Web

2021-10-23

Closed with explanation

Yes

2021-05-02

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I am on SSDI fixed income i am XXXX looking for a place to live. I had a secured CC $ XXXX limited.i used it to build my credit after transunion erased my history because I tried to change my address to correct after giving all kinds of proof they said ok but now you have no history so I spent around $ XXXX building got it to XXXX well I am looking into home purchase I needed the $ XXXX secured to CC with XXXX I will get a new card unsecured use the money for down payment. As soon as I paid off CC closed it to get different card put XXXX in savings. I have know debts. But transunion dropped my score 68 points putting me from good XXXX to a borderline poor/fair for paying off card. Now I can't get the new card and no chance of buying anything not only that but they erased my XXXX years of perfect payment so I have no chance of doing any of my plans to find a place to live they screwed me royally just like wen I asked them to use correct address they erased everything. The first time I had financed a truck and motorcycle but they erased that that history was 10 yrs at least. They still won't change my phone num, not wat they have on file. BECAUSE I PAID OFF MY ACCOUNT TO PURCHASE A HOME THEY DROPPED MY SCORE 68 POINTS ERASED MY PERFECT 11/2 YRS OF PAYMENT HISTORY. LEAVING ME W POOR CREDIT AND NO HISTORY THEY WOULD RATHER ME LEAVE $ XXXX ON CARD PUT IT IN A DRAWER RATHER THAN USE IT TO BY A HOME I CANT AFFORD TO LEAVE $ XXXX SITTING IN A DRAWER TO MAKE THEM HAPPY. Now I have no chance of purchasing home can't get new card because now it has to be secured again I need that cash to live on I am basically screwed no home no CC all because I paid off my card. I am so mad I am looking into an attorney to file a law suit. Who governs these co. That who I need to talk to.they also kept derogatory info on account for 3 yrs after equifax removed transunion finally cleared after 3 disputes messing w my credit that whole time keeping me low points. I am out for blood I will do wat it takes file wat ever I have to testify in court they are screwing up my well being especially during covid I have been working on this for 5 yrs and gone in one day all the money I spent to get my XXXX just to purchase a home all history now thanks to trans union. I will be working up corporate ladder someone will eventually listen starting with XXXX XXXX and XXXX XXXX offices. If you have any leverage I thank you like to settle out of court but I am in for the long haul someone needs to make an example for others I know I am not the only one. And to do during Covid that takes a real dirt bag of a co. To do that EXTREMELY 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

95356

Consent provided

Web

2021-07-09

Closed with non-monetary relief

Yes

2021-03-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have never applied for credit with Barclays Bank. I was in XXXX XXXX in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. Thank you for assisting me in this matter.

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

BARCLAYS BANK DELAWARE

CO

80222

Consent provided

Web

2021-03-14

Closed with explanation

Yes

2023-03-07

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

Credit reporting

Incorrect information on your report

Account information incorrect

I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted XXXX and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OR

973XX

Consent provided

Web

2023-03-07

Closed with non-monetary relief

Yes

2023-08-08

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Experian Information Solutions Inc.

AZ

85282

Consent provided

Web

2023-08-08

Closed with explanation

Yes

2015-03-29

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt is not mine

i verified that the debt was wrongly billed to me with XXXX hospital and they stated it should have been removed in XXXX and that it would be removed. they stated this on XXXX/XXXX/XXXX. i just checked and it still remains on XXXX/XXXX/XXXX on my credit report.

Company believes it acted appropriately as authorized by contract or law

HCFS Health Care Financial Services, Inc.

OH

44004

Consent provided

Web

2015-04-02

Closed with explanation

Yes

No

2022-10-18

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

Credit reporting

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

Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 9. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 18. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 19. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 20. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 21. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 22. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 23. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 24. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 25. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 26. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 27. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete for Violation 28. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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

Experian Information Solutions Inc.

AZ

85009

Consent provided

Web

2022-10-18

Closed with non-monetary relief

Yes

2022-01-12

Checking or savings account

Checking account

Opening an account

Unable to open an account

On XX/XX/XXXX I received a call from Wells Fargo Bank XXXX. to finish up the process of opening a checking account for mine and my wife 's business. We are currently XXXX due to our last landlord in XXXX, New Mexico being Condemned by the City of XXXX on XX/XX/XXXX due to the landlord neglecting to keep up with city codes and regulations for buildings by maintaining the maintainence on our apartment and there was a hole in the ceiling and floor as well as XXXX all over the place and we won't have another place to live until XX/XX/XXXX so we live in a XXXX XXXX day to day until then. Well we gave the bank our mailing address due to that as our address because it is our only address right now. We told the bank that our mailing address is our only address right now due to the reason we mentioned above in this complaint and they flat out told us " XXXX shouldn't be allowed to own a business & definitely shouldn't be allowed to have a bank account let alone a business banking account. And it's bank policy if you don't have a home address we can refuse to open an account coz you have to have a home address not a XXXX XXXX period so because your XXXX we are denying your application for a business bank account and your barred from getting an account from Wells Fargo ever again due to you being XXXX We will be deciding to close out yours and your wife 's personal accounts as well coz your XXXX isn't welcome to bank with us.

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

WELLS FARGO & COMPANY

NM

87107

Consent provided

Web

2022-01-13

Closed with explanation

Yes

2020-09-24

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

Credit reporting

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

Their investigation did not fix an error on your report

Equifax is still reporting my XXXX XXXX account incorrectly I have recieved letters from XXXX XXXX XXXX stating I was not late in XXXX and that my current balance is XXXX and for some reason equifax keep trying to put my balance higher and still have not removed the late payment for XXXX ... I would like this corrected immediately on my credit report on equifax .... I have made two payments since XX/XX/2020 and it still says last payment XX/XX/2020 XX/XX/2020

EQUIFAX, INC.

MO

631XX

Consent provided

Web

2020-09-24

Closed with explanation

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Was not notified of investigation status or results

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights. In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

EQUIFAX, INC.

GA

30017

Consent provided

Web

2023-08-25

Closed with non-monetary relief

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

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

EQUIFAX, INC.

IN

46229

Consent provided

Web

2023-08-21

Closed with non-monetary relief

Yes

2022-02-28

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

Credit reporting

Incorrect information on your report

Account information incorrect

We filed and were approved for forbearance by our previous mortgage company ( Rushmore Loan Management Services ) and while in Forberance in XX/XX/2021 our mortgage company reported that we had a late/missing payment for the month of XX/XX/2021. Since then, I've spoke with MULTIPLE people from the company who have assured me they made a mistake and will get it fixed and it CONTINUES to not be fixed. I've lost XXXX points on my credit score with XXXX and when I talk to them ( which I have multiple times ) they tell me to file a dispute and it's been rejected I think 3 times now EVEN after Rushmore tells me it'll be fixed. Don't know where else to turn but Rushmore is not getting it fixed and has even rejected to return my calls the last 2 times I've talked to a manager. I also have a file I'm attaching SHOWING they've admitted they were wrong about this situation but still haven't gotten it fixed even after assuring me numerous times they would.

RUSHMORE LOAN MANAGEMENT SERVICES LLC

MN

55330

Consent provided

Web

2022-02-28

Closed with explanation

Yes

2023-03-13

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 follow-up 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, CA XXXX XX/XX/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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93711

Consent provided

Web

2023-03-13

Closed with non-monetary relief

Yes

2018-08-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

As soon as it appeared on my account. They company agreed to take the reporting off my credit since I showed proof of being a victim of identity theft. But keep placing back on my account using an different creditor.

PCS Receivables Corp.

NV

89118

Consent provided

Web

2018-08-04

Untimely response

No

2018-08-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX CO XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid

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

Experian Information Solutions Inc.

NJ

08096

Consent provided

Web

2018-08-04

Closed with non-monetary relief

Yes

2023-03-08

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

Credit reporting

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

Their investigation did not fix an error on your report

The unverified accounts indicated below reporting on my credit report, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated immediately for they are greatly harming my credit. 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.

FL

33014

Consent provided

Web

2023-03-08

Closed with explanation

Yes

2021-10-22

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

I was given a retention offer of XXXX XXXX miles on XX/XX/XXXX. It is now XX/XX/XXXX. I have called five times, been on hold/asked about this for a minimum of 6 hours, to be told today " it is a known problem and we are working on it. '' Please give me what you said you would give me without me having to call five times ( and still not have it ).

AMERICAN EXPRESS COMPANY

VA

23229

Consent provided

Web

2021-10-22

Closed with non-monetary relief

Yes

2023-05-31

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

A reservation was made for a hotel stay at XXXX XXXX in XXXX, NY on XX/XX/2023. Our American Express card was used to hold the reservation in the amount of {$1400.00}. We then cancelled the reservation the same day and received a cancellation email from XXXX XXXX. I then noticed the charge on the account days later and asked for it to be removed. American Express removed the charge, but then claimed that the vendor submitted a response so they reinstituted the charge. We called the vendor and they said it has been cancelled and we should have had the refund. I called Amex, but they would not tell me why. How do I get the refund for this?

AMERICAN EXPRESS COMPANY

NY

11530

Consent provided

Web

2023-05-31

Closed with monetary relief

Yes

2023-06-12

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

I had closed an American Express Account ending in XXXX in XX/XX/2023. The reason was they wanted {$700.00} for an annual fee to have the card. I have been paying the remaining balance off and used their Mobile App on XX/XX/2023 to pay the " Total Amount '' indicated, XXXX as confirmed in my bank register XXXX info : ORIG CO NAME : AMERICAN EXPRESS ORIG XXXX XXXX XXXX CO ENTRY XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX IND ID : XXXX IND NAME : XXXX XXXX XXXX XXXX XXXX : XXXX ACH debit - {$1600.00} AMEX promptly notified me that the account was closed via E-Mail via their credit monitoring site hosted by XXXX. I've attached a copy of that E-Mail. Yesterday I received a notification that a payment was due, so looking into it again with the mobile app it said I owed XXXX for the same account. I went online through my desktop and I can't even see the account anymore, it's closed. According to AMEX this was for interest I didn't pay the month before. I paid the entire Total Amount indicated by XX/XX/2023 as indicated. Problem # 1, I paid the " Total Amount '' due on the due date. Why did I get charged the extra bonus interest in their favor? Especially since their credit reporting site says the account is closed?!? Problem # 2, Mobile App says one thing, you owe us {$21.00}. Desktop Website says nothing. Would the real amount owed please stand up?!? I can't rely on their technology to tell me the truth. With more and more companies forcing " electronic statements. '' I can't trust AMEX to be honest about what's owed and why. Online on my desktop, I see one thing, and on their mobile app another. Problem # 3, If I hadn't paid the account off why did XXXX know the same day that I had? That makes no sense. I don't mind paying interest, that's part of the game but AMEX in this case is out of line charging me extra interest on a closed account.

AMERICAN EXPRESS COMPANY

TX

75010

Consent provided

Web

2023-06-12

Closed with explanation

Yes

2019-02-11

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

Credit reporting

Incorrect information on your report

Account information incorrect

Hi, I am having a problem with RUSHMORE LOAN MANAGEMENT reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but XXXX and XXXX you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

RUSHMORE LOAN MANAGEMENT SERVICES LLC

FL

324XX

Consent provided

Web

2019-02-11

Closed with explanation

Yes

2022-08-05

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 XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY 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.

CA

XXXXX

Servicemember

Consent provided

Web

2022-08-05

Closed with non-monetary relief

Yes

2017-10-23

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

1. My name is XXXX XXXX XXXX. I live in XXXX, XXXX XXXX, Indiana. 2. Credit Protection Association L.P. is a bona fide fdcpa-defined debt collector. In this instance, they were collecting charges for XXXX XXXX XXXX for personal, home internet service. I will call this debt collector " CPA '' in this complaint. 3. In the fall of XXXX I signed up with XXXX XXXX ( now known as XXXX for broadband internet service for my residence located at XXXX XXXX XXXX, XXXX, Indiana XXXX. 4. I used this internet service for primarily, if not exclusively, for personal, family and household purposes. 5. At some point in late XXXX or early XXXX, I fell into arrears on his account payments with XXXX. 6. After I fell into arrears on my account payments with XXXX XXXX deactivated my home internet service and forwarded my account to CPA for collection. 7. CPA sent me several dunning letters through the United States mail in an attempt to collect on the subject debt. RECORD OF COMMUNICATIONS FROM CPA TO XXXX and BY XXXX TO XXXX and to CPA ( Prior to XXXX XXXX ) : Initial dunning letter from CPA. Responded to in writing and to automated dispute line XXXX XXXX : Second dunning letter from CPA. XXXX XXXX : Third XXXX letter from CPA- This letter irritated me because I HAD DISPUTED the debt in writing and by telephone. I perceived this as a violation of the FDCPA Section 1692g ( b ). XXXX XXXX : Fourth dunning letter from CPA. This letter, too, irritated me because I HAD DISPUTED the debt in writing and by telephone. I perceived this as a separate violation of the FDCPA Section 1692g ( b ). XXXX XXXX : XXXXXXXX XXXX receipt from XXXX showing account was PAID IN FULL. The CSR at XXXX agreed that if I were to restore service that XXXX would drop the amount owed by the disputed {$20.00}, from {$150.00} to {$130.00}. I paid a total of {$230.00}, which covered the ENTIRE outstanding balance and then the amount required to restore service. XXXX XXXX : Invoice from XXXX. Despite their agreement, XXXX is now dunning me for the {$20.00} disputed installation fee that was forgiven as a part of restoring service. This record does unequivocally show that my only debt to XXXX is for CURRENT charges and no overdue charges. XXXX XXXX : Fifth dunning letter from CPA. This is the letter that stated CPA had ( wrongfully ) reported me to the " CREDIT BUREAUS ''. XXXX XXXX : Invoice from XXXX. This invoice shows that XXXX finally agreed to waive the disputed {$20.00} installation fee. This invoice shows that I am current on my account with nothing " overdue ''. XXXX XXXX : Sixth dunning letter from CPA, once again attempting to collect a non-existent debt, without ever having stopped collecting to validate the debt. XXXX XXXX : My detailed letter to CPA telling them how they have " XXXX up royal ''. XXXX XXXX : Seventh dunning letter from CPA, STILL attempting to collect a non-existent debt. I consider this letter and the one from XXXX XXXX to constitute Mail Fraud as defined in federal law. CPA has used the mails to transmit literally false statements in an effort to obtain money. They are using extortion tactics to try and make me pay this debt TWICE as a condition to having my consumer report files updated as " account paid '' ( 7th letter 's language ) or " paid as satisfied '' ( 6th letter 's language ). 8. Within 30 days after receiving CPAs initial written communication, I disputed, with a written explanation, the first {$20.00} of the debt in writing and demanded verification thereof. 9. I also called the telephone number provided by CPA in order to create and electronic record of the disputed {$20.00}. 10. CPA did not provide verification of the disputed portion of the debt but rather sent more dunning letters. 11. On XXXX XXXX, XXXX, CPA sent me a letter stating, in pertinent part, that [ My ] account would be reported to the credit bureaus in approximately 30 days. 12. On XXXX XXXX, XXXX I paid to XXXX at its local office the entire amount claimed by CPA to be due. 13. On XXXX XXXX, XXXX CPA sent me a letter titled NOTICE OF REPORT TO CREDIT BUREAUS, stating within that my account had been turned over to the credit bureaus and that adverse credit information will remain in my records for several years. 14. On XXXX XXXX, XXXX I sent CPA a letter stating, in part, that I had timely disputed the first {$20.00} of the debt, in writing and by telephone call to CPAs automated line, and that I had paid the debt in full within the timeframe specified to avoid having the debt reported to the credit bureaus. 15. On XXXX XXXX, XXXX CPA sent me a letter stating, in part, that CPA had closed its collection file on my case and that the matter had been updated at the credit bureaus as account reported in error, please delete from credit file. ( bold in original ). 16. CPAs debt-collection misconduct constitute the type of violations that I suspect are involved with many other consumers. The idea that a company of this size has adopted and implemented reasonable procedures to avoid these types of clear FDCPA violations is ridiculous. MY CONTENTIONS : I CONTEND THAT CPA committed AT LEAST the following violations of the FDCPA : I disputed the ( first {$20.00} of the ) debt and demanded verification : CPA persisted in dunning me without providing validation. At a point when my account was PAID IN FULL, CPA made literally false and defamatory statements to one or more credit reporting agencies about me. Although the dunning letters state that CPA has attempted to contact me several times " by phone '', I do not have any record whatever on the only telephone and telephone number that I have. I believe that this too shows that CPA has, again, made literally false statements in writing in an effort to obtain money from me under extortionistic and false pretenses. As an aside, which I consider utterly irrelevant to the CFPB 's mission or jurisdiction to investigate this Complaint, I make your Bureau aware that I did file a suit against CPA, but I have DISMISSED this suit against CPA and am not presently pursuing any legal action against them.

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

Credit Protection Association, L.P.

IN

46201

Servicemember

Consent provided

Web

2017-10-23

Closed with explanation

Yes

2023-07-18

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

XX/XX/2023 I received a letter from Citi. That they accepted the debt management proposal. However, I never enter in a debt management program. My daughter XXXX XXXX did in XX/XX/2023. Now she was only an authorized user thats it. Im the primary card holder. So the debt management must of sent a letter to Citi. However, instead of ignoring it. They cancelled my credit card but Im the primary cardholder in good standing. Also, when I called I would get to call collections when my card is in good standing. So today on XX/XX/2023 I called Citi collections and they tell me I have to call the debt management company to remove this request. But I have no account or any communication with this debt management company. This is Citi error because they should of not canceled or closed my account because an authorized user has not authority over a primary user account because it on my credit, my name and my social security. When XXXX tried to tell Citi Collections rep on their mistake. She keep referring me to call the debt management. I cant talk to them I have no services or account with this unknown company. Why should I fix Citi error. Now this mistake dropped ky credit scores because they closed my account and now it shows in a payment plan when I never request this. I tried to talk to a manager and the rep didnt want to connect me to one after 7 times I asked and demanded she put me on hold for 10 minutes and stated no manager wants to talk to me. That I need to fax a letter. I told the rep Citi in violation of the XXXX rules and no authorized user can canceled the primary holder credit card and Citi can not used an authorized user debt management program to override the primary card holder credit card. I tried to get this fix and explained that this is Citi error. Debt management did their part to give notice and Citi only had to do is file the letter and do nothing because it didnt pertain to the credit card primary holder. Citi is probably doing this error to other clients as well. I want some form of action and some investigation because my credit was affect and my credit card rights were violated Thank you, Primary Credit Card Holer

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

CITIBANK, N.A.

TX

75051

Consent provided

Web

2023-07-18

Closed with explanation

Yes

2021-08-17

Checking or savings account

Savings account

Managing an account

Funds not handled or disbursed as instructed

On XXXX XX/XX/2021, deposited personal check to Navy Federal Credit Union Bank for the amount of {$50000.00}. The check was cleared by the XXXX XXXX on XXXX XX/XX/2021. On XXXX XX/XX/2021 at XXXX hours I called Navy Federal and learned that the amount of {$50000.00} wasn't available to me. I asked Navy Federal customer representative, why my funds are not available to me? I was put on hold and no one reached out to me. On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours, and XXXX XX/XX/2021 at XXXX hours called and checked with XXXX XXXX to confirm about the check status and XXXX informed me that the check was cleared and funds was released to Navy federal. On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours and XXXX XX/XX/2021 at XXXX hours, called Navy Federal and in response they informed me that they hold funds for two days and then release. Today is XXXX XX/XX/2021 and funds are still not available to me. I feel that Navy Federal is using my money illegally over two weeks and I am suffering.

Company believes complaint is the result of an isolated error

NAVY FEDERAL CREDIT UNION

MD

211XX

Servicemember

Consent provided

Web

2021-08-17

Closed with explanation

Yes

2020-10-21

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it.

ERC

TX

77381

Consent provided

Web

2020-10-21

Closed with explanation

Yes

2022-05-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

711XX

Consent provided

Web

2022-05-22

Closed with non-monetary relief

Yes

2019-01-31

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} I have never done business with XXXX XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NH

037XX

Consent provided

Web

2019-01-31

Closed with explanation

Yes

2019-02-28

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with fees charged

Background info - I purchased a car from the local XXXX dealership in XXXX of 2018. The loan is through XXXX XXXX The Issue - I have made a couple of late payments and late fees were assessed. I made payments to cover the late payments and late fees. Well, I was looking at my loan account when I went to make the most recent payment and noticed all of these fees, {$130.00}. Before contacting the lender, I looked through all of my payments to make sure that the error was not on my end. According to my calculations, for the eleven months that I have paid the car note, it adds up to {$6000.00} plus an additional {$130.00} in the late fees. To date, I have paid {$6200.00} which was supposed to cover my car note and the accrued late fees. I called the finance company to ask why am I seeing {$130.00} in outstanding fees considering when I made payments according to the bills received, the late fees were apart of the monies paid. According to the agent, despite the fees showing on the bill and me sending in the payments were never applied to the late fees so the late fees are outstanding and past due. He stated that I would have had to have called and asked that the funds be applied to the late fees. According to the representative, the extra money was paid to the interest and not even towards the principal. I have just been shafted out of my money.

Santander Consumer USA Holdings Inc.

GA

304XX

Consent provided

Web

2019-02-28

Closed with explanation

Yes

2023-09-04

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

IL

60639

Consent provided

Web

2023-09-04

Closed with non-monetary relief

Yes

2018-02-10

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

-XX/XX/XXXX an item was ordered by accident from XXXX costing XXXX dollars. -- XX/XX/XXXX I received notice via e-mail that the item was ordered. On that same day I called XXXX and cancelled the order. -- XX/XX/XXXX item was delivered when I was at work. On that same day I called my credit card company and told them to hold payment because I cancelled the item and it showed up anyways. -- Not sure exact date but early XX/XX/XXXX I shipped item back to XXXX unopened. -- XX/XX/XXXX without me knowing XXXX disputed delivery because they did not receive or process return yet. -- XX/XX/XXXX XXXX received return. ( I have proof with attachment ) -- XX/XX/XXXX credit card company issued refund back to XXXX based on XX/XX/XXXX information. I was never told of this until I received bill in XX/XX/XXXX. -- Beginning of XX/XX/XXXX I received bill from credit card company with the XXXX charge on it. -- Early XX/XX/XXXX I have numerous calls with the credit card company and XXXX on this matter. Credit card company tells me they paid XXXX on XX/XX/XXXX and I have to pay XXXX dollars or be charged interest. When I talk to XXXX they tell me they have no record of refund on XX/XX/XXXX ( I have proof with attachment ), but they do agree that the item was returned. I call credit card company back and asked for some kind of confirmation number or proof they sent XXXX the money on XX/XX/XXXX so I can give to XXXX so they can track down the transaction. Credit card company tells me there is no proof they can give me. -- So the main thing I am trying to get is proof of the transaction from my credit card to XXXX on XX/XX/XXXX in the amount of XXXX so XXXX can possible track this transaction down and I can get a refund that I deserve. -- The credit card company is bank of America. -- I would greatly appreciate any help you can give me on this matter.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MI

48316

Consent provided

Web

2018-02-10

Closed with explanation

Yes

2022-07-04

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

Credit reporting

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

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

My husband and I applied for a mortgage with XXXX XXXX XXXX XXXX XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. However, on XX/XX/2022, XXXX XXXX pulled our credit again WITHOUT our consent or awareness. The XXXX XXXX lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to Equifax ( not XXXX or XXXX ), and only for me, not for my husband. To date, and thanks to our own action, XXXX and Equifax have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. We are requesting that XXXX XXXX XXXX XXXX perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. Attached is the email communications with the XXXX representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.

EQUIFAX, INC.

CA

90277

Consent provided

Web

2022-07-04

Closed with explanation

Yes

2022-12-29

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

Credit reporting

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

Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EQUIFAX, INC.

SC

29154

Consent provided

Web

2022-12-29

Closed with explanation

Yes

2023-04-16

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

Credit reporting

Incorrect information on your report

Account information incorrect

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Credit Unions XX/XX/2022 XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

EQUIFAX, INC.

MI

48224

Consent provided

Web

2023-04-16

Closed with explanation

Yes

2022-10-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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

Experian Information Solutions Inc.

FL

33181

Consent provided

Web

2022-10-23

Closed with non-monetary relief

Yes

2019-01-03

Credit card or prepaid card

Store credit card

Problem when making payments

Problem during payment process

On XX/XX/XXXX I logged into my XXXX XXXX XXXX, entered my new bank account information, and made my monthly payment that was due on the XXXX. When I received my monthly statement on the XXXX I noticed that no payment was processed. I called XXXX and was told they had no record of the transaction. I questioned how the the new banking info needed to make the payment could have changed if the payment wasn't requested, they couldn't answer the question. When i got off the phone i made a replacement payment but have yet to resolve the issue. In addition to reporting me late to the credit agencies, XXXX has also supplied account information to the credit bureau 's that doesn't match-up with the account information showing online. I'm not sure if this was just a glitch or if my acct information might be combined with another persons, regardless this is effecting my ability to obtain credit and I'm asking for the CFPB 's help in correcting this error.

Bread Financial Holdings, Inc.

MI

XXXXX

Consent provided

Web

2019-01-08

Closed with explanation

Yes

2023-06-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft and I keep sending documents over and over for them to resolve this issue.

EQUIFAX, INC.

NC

28213

Consent provided

Web

2023-06-03

Closed with non-monetary relief

Yes

2023-05-27

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

Credit reporting

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

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20746

Consent provided

Web

2023-05-27

Closed with non-monetary relief

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

The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX/XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/XXXX 2016

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

Experian Information Solutions Inc.

MD

20708

Consent provided

Web

2020-08-20

Closed with explanation

Yes

2017-04-18

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

I am making a dispute agains t Pinnacle, LLC in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION m ade pursuant to the XXXX XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts ( XXXX , XXXX , and XXXX ). Th is action constitute fraud under bot h Federal and State Laws.

Pinnacle Credit Services, LLC

GA

30165

Consent provided

Web

2017-04-18

Closed with explanation

Yes

No

2022-04-02

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

Credit reporting

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

Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28269

Consent provided

Web

2022-04-02

Closed with non-monetary relief

Yes

2023-05-21

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/XXXX The Credit bureaus were sent certified letters. XXXX letter # XXXX, Equifax letter # XXXX, and XXXX letter # XXXX. The credit bureaus stated that following accounts were properly investigated : XXXX # XXXX, XXXX-Acct # XXXXXXXX XXXXAcct # XXXX, XXXX XXXX XXXX, XXXX-Acct # XXXX and XXXX XXXX Acct # XXXX. On XX/XX/XXXX I sent another certified letter after the credit bureaus stated these accounts were accurate- XXXX letter # XXXX and Equifax letter # XXXX. But how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

EQUIFAX, INC.

FL

32818

Consent provided

Web

2023-05-21

Closed with non-monetary relief

Yes

2023-05-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

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

Experian Information Solutions Inc.

GA

30135

Consent provided

Web

2023-05-25

Closed with explanation

Yes

2018-03-21

Debt collection

Auto debt

Communication tactics

Frequent or repeated calls

I took out a personnel loan using my car as collateral. Well for I while I was making payments pretty much on time with once in a while being late. Which is technically my fault. Then I started making payments again on time. Well then in last few months a had some finical problems come up, car breaking down, getting sick and being out of work. I informed XXXX of this and told her ( Manager ) that I was doing a mortgage on my home and was gon na pay them as soon as all that was taken care of. The manager of XXXX XXXX keep calling and kept calling sometimes five or six times a day. It got so bad that I refused to take any more calls. That I understand, but when you tell them that you waiting on your closing date and that when that happens they will get their payoff, the phone calls should not be coming in at five to six times a day. The last payoff I got one of the clerks in the office said that if payment was not received by the end of this month legal actions will be taken. This happened on the XXXX of XX/XX/2018. Well this past Monday there was a legal document brought to me by a neighbor who said it was dropped off at their house by mistake. I called XXXX XXXX and told XXXX whom works there that they will receive the check for pay off Monday XXXX XX/XX/2018. I asked who delivers the court papers and XXXX said that they have a third party that delivers it. My concern is that my personal information was on this form and what right do they have to give papers to someone and they aren't even checking too make sure that person is the right person. I don't care about the phone calls but to leave court papers with someone other than me is beyond me. I know that all this could have been avoided had I paid my payments.

Regional Management Corporation

SC

29720

Servicemember

Consent provided

Web

2018-03-21

Closed with explanation

Yes

2018-01-21

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

On XX/XX/XXXX, I sent a certified letter to Allied Collection Services , Inc., ( ACSI ) regarding an alleged debt that I owe. I did not recognize the debt. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. A little over a week later, I received a letter stating they have contacted their client and they have confirmed the name and address listed on the above account. However, the correspondence date is dated XX/XX/XXXX and the date of the letter is XX/XX/XXXX BUT it 's post marked XX/XX/XXXX. How did they validate my name and address prior to me requesting a written validation of the debt??? I still have never received the written validation. In addition, Allied Collection Services , Inc., ( ACSI ) has reported this alleged debt to the credit bureaus without allowing me the opportunity to dispute the debt or providing evidence that they are the legal owners of the debt.

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

Allied Collection Services, Inc. (Nevada)

NV

891XX

Consent provided

Web

2018-01-21

Closed with explanation

Yes

2023-02-15

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11213

Consent provided

Web

2023-02-15

Closed with non-monetary relief

Yes

2023-02-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

NJ

08081

Consent provided

Web

2023-02-06

Closed with explanation

Yes

2023-04-15

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

On XX/XX/2023 I, XXXX XXXX decided to check my credit reports and I notice that my total debt balance was XXXX and I immediately check why and found out that there is a collection debt of about XXXX from company " IQ data International ''. Original creditor is " XXXX at XXXX XXXXXXXX XXXX ''. In which I have no knowledge of these companies and debt collection mention. I had to immediately locked my credits accounts. I want to say that I was a victim of Identity theft a few years back and I was able to proof it to the debt collectors and they helped me remove the delinquent balances that didn't belong to me. Today I called IQ data International explaining my situation and they told me that they are going to send me some paper work to fill out and return it back to them with the documents or evidence that I provided last time with the others debt collections that I had before. This includes my driver license, police report, and documents from the lawfirm that initially made me aware that my Identity was stolen.

T.S. Holdings

FL

33024

Consent provided

Web

2023-04-15

Closed with explanation

Yes

2023-08-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

EQUIFAX, INC.

TX

75253

Consent provided

Web

2023-08-22

Closed with explanation

Yes

2021-06-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There is this account that does not belong to me and ai want it to be remove from my credit report. 1. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine.

TD BANK US HOLDING COMPANY

NJ

07047

Consent provided

Web

2021-06-09

Closed with explanation

Yes

2019-11-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hello I'm reaching back out because I have again tried to use my credit and was not approved because of things on my credit that is not mine. I contacted the FTC and my local police. There are even several bankruptcies on there that are not mine. I we.s advised by the Bankruptcy Court that do not verify bankruptcy and advised me to contact another company called XXXX XXXX. I spoke with them and they also verified that I do not have any bankruptcy. The other accounts on there that is not is Chapter XXXX and XXXX Bankruptcy, XXXX XXXX and XXXX XXXX XXXX.

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

Experian Information Solutions Inc.

AL

350XX

Consent provided

Web

2019-11-27

Closed with non-monetary relief

Yes

2018-02-01

Vehicle loan or lease

Loan

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

Truck was a XXXX XXXX XXXX was acquired in XXXX and returned on XXXX Company is violating the statute of limitations They already have a garnishment against me

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

Aldridge PIte Haan, LLP

GA

30062

Consent provided

Web

2018-02-01

Closed with explanation

Yes

2021-08-11

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

Credit reporting

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

Investigation took more than 30 days

After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed.

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

Experian Information Solutions Inc.

MO

64012

Consent provided

Web

2021-08-11

Closed with explanation

Yes

2022-11-17

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

Credit reporting

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

Investigation took more than 30 days

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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

Experian Information Solutions Inc.

SC

29651

Consent provided

Web

2022-11-17

Closed with non-monetary relief

Yes

2015-03-21

Student loan

Non-federal student loan

Can't repay my loan

Can't decrease my monthly payments

I had a private student loan with XXXX, now known as navient after I stop attending college cause lack of funding and health issues. I started making payment on my loan which was very high. I contact their rate reduction department trying to get them to lower the payment. I had no luck. I currently unemployed living in Michigan and have XXXX school age kids to care for I receiving social security XXXX due to XXXX XXXX. Which make it difficult to walk and stand for period of time. I am not trying to get out of paying the loan back but, trying to get them to lower the payment from XXXX to XXXX each month is it anyway you can help me with this issues with them. I would appreciate this very much.

Navient Solutions, LLC.

MI

48223

Consent provided

Web

2015-03-21

Closed with explanation

Yes

Yes

2021-04-26

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

EQUIFAX, INC.

SC

29341

Consent provided

Web

2021-04-26

Closed with explanation

Yes

2023-03-18

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

Credit reporting

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

Their investigation did not fix an error on your report

I have tried and tried and tried multiple times to dispute XXXX XXXX they come back shortly thereafter not long and tell me it was verified I would like to know what method they use because I'm going to request to see it that is my right under the Fair Credit Reporting Act I'm going to request the XXXX it's completely different than my account online I don't understand this I'm going to attach what I have so that you can see the original balance is a lot higher than what is being reported on my credit repor also experience reporting this account is closed it is not closed this still open I am really discouraged and I'm heartbroken they're supposed to be a professional company I read a lot of information and I'm really sickened if cfpb can not help me I'm going to the Federal Trade Commission and the Senate this is not right at all and an experienced part that's totally unprofessional and unethical

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

Experian Information Solutions Inc.

MI

494XX

Consent provided

Web

2023-03-18

Closed with explanation

Yes

2020-01-26

Checking or savings account

Savings account

Managing an account

Funds not handled or disbursed as instructed

On XX/XX/XXXX a Saving Account and a Checking account were opened with Citi Bank. Within 150 days waiting period I was to receive a {$400.00} and a {$100.00} signing bonus. On XX/XX/XXXX 150 days have passed and I have NOT received the bonus. Multiple phone calls to CitiBank have not resolved this issue.

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

CITIBANK, N.A.

IN

46902

Consent provided

Web

2020-01-26

Closed with explanation

Yes

2020-10-12

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

Credit reporting

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

Their investigation did not fix an error on your report

AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...

EQUIFAX, INC.

NJ

08859

Consent provided

Web

2020-10-12

Closed with explanation

Yes

2017-12-30

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

Credit reporting

Incorrect information on your report

Account status incorrect

US BANK AND XXXX ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.

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

U.S. BANCORP

IN

XXXXX

Consent provided

Web

2017-12-30

Closed with explanation

Yes

2022-08-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX amount {$5900.00} showing that this account is open and past due. This is not correct. XXXX XXXX XXXX XXXX ) {$1300.00} showing a past due balance. This is not even my account. XXXX XXXX {$1000.00} showing a past due balance. This doesnt belong to me. XXXX {$120.00} showing a past due balance. I never had an account with this company. I have submitted several letters requesting the inaccurate information removed from my credit report. I have asked for proof that these items belong to me and they have failed to provide me with documentation. Please see the credit report attached with the items circled.

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

Experian Information Solutions Inc.

FL

34609

Servicemember

Consent provided

Web

2022-08-31

Closed with explanation

Yes

2017-11-03

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

I recently found a past due debt listed on my XXXX credit report. It was not listed on XXXX or XXXX and as I recall was not listed on my last XXXX report. I contacted the debt collection agency ( Direc Management Inc, XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX ) The debt according to them was for XXXX Hospital in XXXX County AL in the name of XXXX XXXX , DOB XXXX, amount {$320.00}. I have never been to XXXX Hospital as a patient and have never received medical care from them. My name is XXXX XXXX XXXX /DOB XXXX. Apparently they have reported a debt incurred by my son ( XXXX XXXX DOB XXXX ) on my credit report. He is an adult and has not lived with me since he was XXXX years old and I am not responsible for his debts and have never agreed with any agency, company or entity to be responsible for his debts. At the time the debt was incurred he was XXXX XXXX XXXX. I informed the person at Direc of this and she stated that I was responsible for the debt because he was my son. She maintained this position even after I told her my DOB ( XXXX not XXXX ) and that he was an adult who did live with me and that I was not responsible for any debt he incurred. This is a fraudulent attempt to collect money from a party not responsible for the underlying debt and the use of improper strong arm methods by placing false information on my credit report so as to force me to pay a false debt to protect my credit rating

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

DIRECMANAGEMENT, INC.

AL

367XX

Older American

Consent provided

Web

2017-11-03

Closed with explanation

Yes

2021-12-10

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

I had an on-duty injury as a firefighter for the City of XXXX Fire And Emergency Services on XX/XX/17. The city did not pay the bill or did not pay in a timely fashion. I have had a debt collector come after me and erroneously report to the credit bureaus that I did not pay the bill, a bill that I was not responsible for paying. It is my understanding that what those debt collectors are doing is illegal under Virginia Law. The debt collector is XXXX XXXX XXXX XXXX. The contact on the credit bureau is I was transferred to an offshore ( XXXX ) when I called the creditors number. I was told that the the client was XXXX XXXX XXXX and nationwide recovery system. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Nationwide Recovery Systems, Ltd

VA

23111

Consent provided

Web

2022-01-04

Closed with explanation

Yes

2022-11-11

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

Credit reporting

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

Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated 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 XXXXXXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32824

Consent provided

Web

2022-11-11

Closed with non-monetary relief

Yes

2022-08-17

Credit card or prepaid card

General-purpose prepaid card

Problem with a purchase or transfer

Charged for a purchase or transfer you did not make with the card

On XX/XX/2022 I made a purchase at XXXX. The purchases were. XX/XX/2022. XXXX. {$8.00} XXXX XX/XX/2022. XXXX. {$110.00} When I write home and my card was unable to be used I went online and found the additional XXXX charges on my account, that were not made by me. I did not make these charges they are fraudulent. I have tried every way I know to make the bank understand that they are fraudulent, and I know this because I did not make them. And the card was always in my position. I have no idea how it happened, I can not explain it. But I categorically deny making these charges, and as a matter of fact, can state that they are indeed fraudulent. They were as follows : XX/XX/2022. XXXX. {$100.00} XX/XX/2022. XXXX. {$100.00} I have tried every way I know to make the bank, ALBERT BANK, operating under a license of XXXXXXXX XXXX OHIO, understand this. In the many many many emails back and forth, Albert Bank reported to me that in their opinion they were not fraudulent, they were not going to refund me my {$200.00}, and that they're findings were binding. After contacting XXXX XXXX, XXXX said that they were wrong, Albert Bank is in violation of XXXX XXXX XXXX agreement, and I should contact MasterCards fraud department. I did as well as the Consumer Financial Protection Bureau, the banking Regulators in Ohio, and others. This is outrageous, it is wrong, and Albert Bank should be treated as a rogue company

Company disputes the facts presented in the complaint

Albert Corporation

TX

75034

Consent provided

Web

2022-08-17

Closed with explanation

Yes

2022-09-18

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 everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the " open date '' is inaccurate, the " date Last Active '' is inaccurate, and the date " Last reported '' is not accurate. This is grounds for removal they also violated my rights under 15 U. S. C 1681 section 602 A. States I have the right to PRIVACY. 15 U. S. C 1681 Section 604 A Section 2 : it also States a consumer REPORTING AGENCY CAN NOT FURNISH a account without my written consent.

EQUIFAX, INC.

TX

79065

Servicemember

Consent provided

Web

2022-09-18

Closed with explanation

Yes

2021-02-18

Vehicle loan or lease

Lease

Struggling to pay your loan

Denied request to lower payments

I have called XXXX XXXX a few times during Covid 19. The last time I called was in the beginning of XXXX. I asked them what I could do about my payments because I lost my career due to covid. I work in the XXXX field as an XXXX and I still can not find part time work. My XXXX is getting worse from the XXXX and XXXX. I had just bought a condo as well XX/XX/2019. My mortgage company worked with me. When it came to XXXX they told me that there was nothing they could do for me because I lease my car. I still can not find work. I am struggling in every way financially and could lose my home if I am unable to rent it. This is my second time I have leased with XXXX. I am so disappointed with XXXX XXXX and their lack of empathy for people who are struggling. I asked if I could turn the SUV in and they told me I could but I would still owe the money. I don't want to have my credit destroyed. Thats the only thing I have. I don't have family to help me financially. This is a pandemic. People are still buying cars. They are not hurting for money but some people are actually still hurting for work.

General Motors Financial Company, Inc.

PA

19063

Consent provided

Web

2021-03-08

Closed with explanation

Yes

2023-01-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

LA

70058

Consent provided

Web

2023-01-27

Closed with non-monetary relief

Yes

2023-09-27

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I XXXX XXXX Have Some Fruad Accounts Appearing 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.

PA

19103

Consent provided

Web

2023-09-27

Closed with non-monetary relief

Yes

2022-05-20

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

Credit reporting

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

Investigation took more than 30 days

On XX/XX/XXXX I sent credit dispute letters to Transunion, XXXX and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XX/XX/XXXX I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21740

Consent provided

Web

2022-05-20

Closed with non-monetary relief

Yes

2023-02-15

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 XXXX of XXXX, I purchased a copy of my Transunion, XXXX, and XXXX credit reports. Upon obtaining my reports and reviewing each report, I noticed a great deal of inconsistencies and inaccuracies on numerous accounts. I then reached out to each of the credit bureaus on XX/XX/XXXX via USPS certified mail ( priority ) with my personal identification information ( Driver 's License, SSN Card, & Bank statement ) and a letter asking for an investigation to verify/validate the accounts and the information reported on each report to ensure 100 % accuracy. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information reported must be 100 % accurate. I received notification from the bureaus that the accounts were verified and accurate. However, I recently ( XX/XX/XXXX ) purchased another copy of my credit report of all 3 bureaus and there are still inaccuracies and inconsistencies.How could this be possible if the credit bureaus indeed completed a complete and thorough investigation? It is my belief that these accounts were not properly investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts posted on a credit report. The credit bureaus failed to provide me with any information regarding the verification of these accounts. I have since sent another request to each credit bureau via USPS Certified Mail ( priority ) regarding this matter.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48152

Consent provided

Web

2023-02-15

Closed with non-monetary relief

Yes

2021-09-03

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

On XX/XX/2021 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. I feel like Im 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 these 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 XXXX you caused me. My information was also impacted by the Equifax XXXXata Breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

IN

46323

Consent provided

Web

2021-09-03

Closed with explanation

Yes

2019-11-07

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was result of identity theft

I never received a bill for the medical debt. After seeing the bill I can see why. It is because the debt is not mine. I notice a derogatory/negative mark on my credit report and called they company to find out why. They would not give me any information. I talked to XXXX XXXX and he could not find a debt owed at my current or previous addresses. He would also not let me speak to a supervisor. The response I received from the XXXX said they never talked to me which is also incorrect. Because it is a fraudulent debt I do not want to give them my personal information although I did try to verify my address and they could not verify an address I have lived at for the past 15 years. The address on the bill is for the following address : XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX, OR XXXX I have never lived in XXXX Oregon and was living in Utah at the time of this bill. It is obvious from the address that I have never lived there because I was not living in a shelter. They do not have and corroborating information on the bill to show that it is mine. I would like to know how they linked it to me since it is not me and is fraudulent.????

WAKEFIELD & ASSOCIATES, INC.

MN

55016

Consent provided

Web

2019-11-07

Closed with explanation

Yes

2022-03-08

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$660.00} {$0.00} {$660.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to XXXX, Experian and XXXX regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.

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

Experian Information Solutions Inc.

PA

19151

Consent provided

Web

2022-03-08

Closed with explanation

Yes

2021-06-27

Debt collection

Mortgage debt

False statements or representation

Attempted to collect wrong amount

Yes I received explanation from XXXX counsel and the facts presented were different from the dealings. Below are my explanation of what transpired that was not discussed or intentionally misrepresented. My response to XXXX XXXX, XXXX XXXX : XXXX simply dont want to stay with the true story relating to equity line of credit of {$25000.00} I obtained and secured by XXXX XXXX XXXX XXXX not open-end mortgage loan. I was approved for HELOC loan with a limit of {$68000.00}. Unfortunately, XXXX dubiously recorded the full approved line of credit as a lien against the property instead of {$25000.00} I was allowed to drawn from the account. On XXXX XXXX improperly assigned the notes to XXXX XXXX with the loan amount of {$68000.00} secured by the property. The most disturbing was the concealment of the material facts as the XXXX counsel response failed to mention the chapter XXXX bankruptcy I filed in XX/XX/XXXX. On XX/XX/XXXX, the HELOC loan was transferred to XXXX XXXX and assigned to XXXX XXXX simultaneously. I have no knowledge about the exhibit D document presented by the counsel. XXXX XXXX and XXXX shares the same business center in Delaware and they connived to attempt to dubiously take my property at all cost. Shortly after, without any foreclosure notification. XXXX XXXX file mortgage foreclosure action in XXXX. On the day, I received the complaint when bankruptcy was still active, I immediately prepared my response to the complaints. On the last day I was supposed to file my response a default judgment was entered for about {$43000.00} covering all legal fees, interest, escrow account and penalties. XXXX XXXX and the attorney immediately filed petition for sheriffs sale but couldnt effect the sale because my bankruptcy action was still active. I started my negotiations with XXXXXXXX XXXX to resolve the payment of the judgment. Suddenly and unexpectedly, XXXX XXXX XXXX XXXX XXXX began to communicate with me to request for mortgage payments from XXXX including all the amount that was previously calculated XXXX XXXX to get judgment through the same Attorney presently representing XXXX XXXX XXXX and XXXX XXXX. Consequently, XXXX XXXX XXXX and XXXX XXXX started creating another fictitious accounts, legal fees, foreclosure fees, inspection fees, penalties of all kinds to the extent the payoff balance currently stands as {$66000.00}. In other to hide the truth XXXX XXXX desperately held back every information I requested that would help me avoid the sheriffs sales the attorney manipulated to take on XX/XX/XXXX and no further extension would allowed by the order of the court. In actuality the sheriffs sales was obtained by XXXX XXXX for XXXX XXXX of about {$43000.00} as docketed. As a real estate broker of over 20 years experience, I havent witnessed any transaction of this type before now. I look forward to here your response to this concern. As for the second property located at XXXX XXXX XXXX XXXX. You addressed it appropriately as long as it on record the way you described it. Please help to obtain justice of the case of property referenced above as XXXX XXXX XXXX XXXX which I recently spent {$35000.00} to update so that I can move in as my primary residence. I hope you can stop XXXX and XXXX XXXX XXXX XXXX not to steal my property for the sake of justice and fairness. HISTORY : PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX reply addressing your response to the complaint filed about XXXX XXXX XXXX street-Owned by XXXX XXXX XXXX and XXXX XXXX was granted POA to manage the property and XXXX have full knowledge of the facts. First, I want to mention that it is very disheartening for you not to be informed by XXXX about the foreclosure action filed by XXXX. Many hearings was heard at the common pleas court of Pennsylvania before judgment was entered against XXXX XXXX XXXX. XXXX filed a motion for reconsideration and waited but all to no avail. Until recently, we received correspondence from unknown entity about the property seeking to purchase it. By research, we noticed that the property was sold in sheriffs sale. XXXX XXXX XXXX and myself had no knowledge of events XXXX attorney mentioned on his response. The only event we recollected was when XXXX XXXX XXXX XXXX XXXX became the servicer and they obtained foreclosure judgment. The judgment was not enforced before XXXX XXXX filed a motion for reconsideration. Thats the only events we have knowledge of. All other events that took place by assignment of mortgage fraudulently to FHA entity to collect the judgment amount, scheduling for sheriffs sale and other activities that took place were done without our knowledge. XXXX offered XXXX XXXX XXXX no opportunity to redeem her primary residence property after the foreclosure judgment was entered nor wait to hear decisions on the motion for reconsideration we filed. In the same way, I must state that as a real estate broker in business for over 20 years. I havent witnessed any similar transaction of this type before. I hope justice will prevail at last after confirming the facts stated herein. Sincerely yours, XXXX XXXX

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

BANK OF AMERICA, NATIONAL ASSOCIATION

PA

XXXXX

Consent provided

Web

2021-06-28

Closed with explanation

Yes

2023-07-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 1. there is some inaccurate information reporting. XXXX XXXXXXXX Account Number : XXXX Delete this account. 2. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2021 Delete this account. 5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account.

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

Experian Information Solutions Inc.

GA

30161

Consent provided

Web

2023-07-19

Closed with explanation

Yes

2020-05-11

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

Credit reporting

Incorrect information on your report

Personal information incorrect

Sent a letter with my valid Georgia license and proof of address and asked that all other address not associated with me be removed, and they have not been removed therefore violating my rights.

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

Experian Information Solutions Inc.

GA

31792

Consent provided

Web

2020-05-11

Closed with explanation

Yes

2015-08-06

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt was paid

I had a collection account at Cavalry Portfolio Services that I owed to XXXX XXXX for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called Cavalry and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than 15 days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take 45 days????? Why does it take 45 days?? They did n't take 45 days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!

CAVALRY INVESTMENTS, LLC

CO

806XX

Consent provided

Web

2015-08-06

Closed with non-monetary relief

Yes

No

2017-07-18

Checking or savings account

Other banking product or service

Opening an account

Didn't receive terms that were advertised

I had already spent over 10 hours with customer support at Bank of America. I had opened an account on XX/XX/XXXX based on {$300.00} cash bonus if I deposit {$4000.00} into my account. My account was opened with XXXX XXXX , BofA, XXXX XXXX XXXX , XXXX , CA XXXX . XXXX XXXX XXXX . ( XXXX XXXX XXXX , AVP ) Two direct deposit went into my account from my employer on XX/XX/XXXX and XX/XX/XXXX . My employer is XXXX XXXX , I work for XXXX XXXX , this is my Bank email address. Presently your branch is in breach of a legal contract and misrepresentation. This is a demand for immediate payment of {$300.00} by close of business Monday XXXX / XXXX /2017 + interests + restituions of my time spent due to repetitive follow up with BofA where BofA was very blatant with non-performance in a timely manner and in showing a purposeful intent not to resolving open escalated complaints # XXXX . XXXX XXXX

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

95746

Consent provided

Web

2017-07-18

Closed with monetary relief

Yes