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2023-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Report provided to employer without your written authorization | Subject : XXXX XXXX Account Dispute for Account Number : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit file regarding Account Number XXXX. I have reviewed my credit reports from XXXX and Experian and have identified several significant inaccuracies and violations of my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code ( USC ), and Section 604 in relation to the reporting of my medical information.
Firstly, there is a discrepancy between the information reported by XXXX and Experian. XXXX indicates that the account is an installment contract, while Experian reports it as a medical bill. This inconsistency raises concerns about the accuracy and proper classification of the account.
Furthermore, both XXXX and Experian have discrepancies in the reported account open date. XXXX and Experian state that the account was opened on XX/XX/XXXX. However, XXXX reports a balance of {$7200.00}, whereas Experian reports a balance of {$7200.00}. These discrepancies raise doubts about the accuracy and consistency of the reported information.
Additionally, there is a discrepancy in the terms reported by XXXX and Experian. Experian states that the term limit is 60 months, while XXXX reports a term limit of 0. This inconsistency further questions the accuracy of the reported information.
Moreover, Experian reports a past due balance of {$5200.00}, whereas XXXX states a past due balance of {$5100.00}. These discrepancies in the reported past due balances cast doubt on the accuracy and integrity of the reported information.
Furthermore, there are inconsistencies in the last report dates provided by Experian and XXXX. Experian reports a last report date of XX/XX/XXXX, while XXXX states a last report date of XX/XX/XXXX. These differences raise concerns about the timeliness and accuracy of the reported information.
In addition to the aforementioned inaccuracies, it is important to note that the reporting of medical information without my authorization is a violation of my rights under the Health Insurance Portability and Accountability Act ( HIPAA ). I did not provide consent for my medical information to be shared, and the inclusion of medical information in my credit file is a breach of privacy.
I am exercising my rights under the FCRA, USC Section 1681, and Section 604, which require accurate and fair reporting of consumer information. I request a thorough investigation into these inaccuracies and violations, as well as the immediate removal of the disputed account from my credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30039 | Servicemember | Consent provided | Web | 2023-07-17 | Closed with explanation | Yes | null | 7,258,417 |
2017-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I 've been trying to resolve multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, Experian, XXXX ) are neglecting to verify/validate the accounts properly to determine which ones are duplicates or original. Due to poor and lack of investigation and communication I 'm requesting that all of the closed student accounts be removed. I have one student loan account and the negative accounts that are showing as paid off are hurting my scores. Also, there is a collection agency called XXXX XXXX account that 's showing on all three bureaus that has n't been removed after failure to validate the debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 63116 | null | Consent provided | Web | 2017-06-19 | Closed with explanation | Yes | null | 2,553,000 |
2023-05-18 | 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 XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75243 | null | Consent provided | Web | 2023-05-18 | Closed with non-monetary relief | Yes | null | 6,988,941 |
2023-02-22 | Checking or savings account | Savings account | Closing an account | Funds not received from closed account | I opened an online savings account on XX/XX/2023 in the amount of {$50.00}.
This was the second savings account I have opened.
A week later, Truist bank locked my online account access.
I called the number provided and spoke with several people.
They told me I would have to travel 2,000 miles from my home to close the newly opened savings account.
RESOLUTION Change policy and procedures to best reflect online banking and not have a customer travel outside her home/state to do business.
This defeats the purpose of online banking. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | AZ | 856XX | Older American | Consent provided | Web | 2023-02-22 | Closed with explanation | Yes | null | 6,604,172 |
2019-10-01 | 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 recently tried to dispute a list of 13 inquiries from my TransUnion credit report that I believe were fraudulent. TransUnion has yet to remove them from my credit report after now completing the investigation The list of inquiries 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX- XX/XX/XXXX 7. XXXX/XXXX- XX/XX/XXXX 8. XXXX/ XXXX- XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I recently found out I am a victim of fraud and I am trying to clean up the mess before my credit gets any worst | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | XXXXX | null | Consent provided | Web | 2019-10-01 | Closed with explanation | Yes | null | 3,392,356 |
2021-07-20 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | On or about XX/XX/2021, I advised the collectors that they do not have my permission to contact me by phone. Since that time I have received two to three calls per day. Blocking their phone number is useless because they use several different phone numbers when calling. At present, I have blocked nine different phone numbers from this one collection agency. | null | Kriya Capital, LLC | CA | 95961 | Older American, Servicemember | Consent provided | Web | 2021-07-20 | Closed with non-monetary relief | Yes | null | 4,559,397 |
2018-11-16 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | CMRE Financial continually leaves me voicemails from numerous phone numbers. The voicemail says " This is CMRE Financial contacting XXXX XXXX, if you are not XXXX XXXX .... ''. When I call them back to tell them " this number is not XXXX XXXX 's phone number, never has been and our divorce was final 2 years ago '', they respond with " we're not calling for XXXX XXXX, we're calling for you, XXXX XXXX ''.
CMRE Phone Numbers I have had to block in my phone : XXXX XXXX XXXX XXXX XXXX | null | CMRE Financial Services, Inc. | TX | 760XX | null | Consent provided | Web | 2018-11-16 | Closed with explanation | Yes | null | 3,076,828 |
2023-06-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : CASE FILE - XXXX Warning to remove items from my Credit File To whom it may concern, I have previously disputed CASE FILE - XXXX with you and WITH NO response, you have not verified the item as correct, accurate or factual. My credit report reflects this information has been verified and provided to the credit bureaus willingly by the court - that is a lie. The XXXX courts do not provide information to the credit bureaus. This is CLEARLY stated in the link provided below.
UNLESS you can provide me with written confirmation that the above mentioned court district has manually verified this information as it shows on my credit report, this is false reporting and NOT LEGAL. This does NOT comply with FCRA 611 ( 15 U.S.C. 1681I ) and it must be deleted IMMEDIATELY.
Please reference for proof of this violation and false reporting : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND DELETION OF THIS REPORTING IMMEDIATELY AS THIS IS IN VIOLATION OF FCRA - 611 ( 15 USC & 1681I ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 320XX | null | Consent provided | Web | 2023-06-05 | Closed with non-monetary relief | Yes | null | 7,074,923 |
2023-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XXXX, Equifax, XXXX isn't honoring the fact that the name they have listed as my legal name isn't correct. I've contacted them numerous times and they won't fix it. I only had the name they're showing for 1 year and I have sent them my ID and everything. Why won't they fix this? All my creditors have the correct name, so it isn't them like XXXX says. I'm so tired of dealing with this. It happened in XXXX and this is XXXX. Do I have to get a court-order, because Equifax is doing the same thing and it's discriminatory at this point. Equifax has locked me out of my account and attorneys are phobic & won't help me get to these credit bureaus. I bet XXXX has this going on as well, but I'm tired now. I don't think I established any credit accounts during the time my name was XXXX XXXX XXXX.
They have a problem with me, because it's obvious when you change your first/middle names that it isn't due to any kind of marriage. Do they do married people like this? I bet not! People answering the phones are foreigners and don't care about me or this issue. They leave me on hold too long and then don't do anything when they answer.
I can't give you all the dates that I have dealt with this, but your bureau doesn't seem to do anything either. Why not? I can't afford an attorney. I will sue if this isn't corrected. Punitive damages will cost these companies, because this is beyond annoying and rude. They are being fraudulent, not me. Filing fees are less than lawyers fees. | null | EQUIFAX, INC. | GA | XXXXX | Older American, Servicemember | Consent provided | Web | 2023-02-09 | Closed with explanation | Yes | null | 6,550,837 |
2020-05-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} COLLECTION XXXX {$520.00} XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$66000.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$460.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08873 | null | Consent provided | Web | 2020-05-07 | Closed with explanation | Yes | null | 3,641,535 |
2021-11-12 | Debt collection | I do not know | Threatened to contact someone or share information improperly | Contacted your employer | Debt collector contacts me numerous times a day on different phone numbers, contacts my employer, and contacts distant relatives. I've asked this company to stop calling my work phone to no prevail. They are extremely aggressive and they leave aggressive messages on families voice-mail as well. It's harassment. | null | Direct Recovery Services, LLC | CA | 952XX | null | Consent provided | Web | 2021-11-12 | Closed with explanation | Yes | null | 4,906,236 |
2022-11-10 | Checking or savings account | Checking account | Closing an account | Can't close your account | On XX/XX/XXXX Bank of America performed unauthorized hard inquiry, soft inquiry and opened a Checking and Savings account without my approval using fraudulent information provided by an identity thief. I am the victim of identity theft and am doing my best to move swiftly in order to keep my information safe.
I received a debit card as well as welcome letter in the mail and went to a branch in XXXX PA to get them to close the unauthorized fraudulent accounts. I provided all my information along with identifications in person as requested and the Branch manager XXXX XXXX. XXXX XXXX confirmed that this is indeed a case of identity theft and fraud using my information unlawfully. This occurred on XX/XX/XXXX.
The card was sent in a name used by the identity thief. I have reported this to the fraud department at BOA and the point of contact XXXX XXXX assigned to me by their " resolutions '' team has been less than helpful.
I believe that my information has been compromised and that Bank of America did not take adequate steps to verify information before opening accounts ( savings and checking perhaps even credit ) using my personal information provided by a identity thief.
On XX/XX/XXXX I sent the Bank of America Fraud department a signed Affidavit along with all requested papers in response to the " investigation '' they performed on my behalf. I have done everything in my power within the course of 5 days that has been asked of me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | PA | 195XX | Servicemember | Consent provided | Web | 2022-11-10 | Closed with explanation | No | null | 6,189,124 |
2023-10-11 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I paid a settlement amount to CareCredit for {$2500.00} to Synchrony Bank ( Reference number : XXXX ). Synchrony had previously listed the debt as a " charge off '', which is a negative status on the Credit Bureau Reports. I contacted the XXXX Credit Bureaus and they each said that Synchrony reported the settlement as paid in full but retained the charge off in the update as " paid settlement/charge off ''. The Credit Bureaus said that Synchrony has to remove the charge off and just list the status as paid in full settlement. When I spoke to Synchrony today, they refused to make the change, saying " it is not within the policy guidelines ''. This entry on all of my Credit Bureau reports, of there being a current charge off on my account is inaccurate and false. The previous negative status is " charged off '' the current status should be changed to " paid in full settlement '', which is a positive status. You will see in the settlement confirmation letter that the consumer report was only suppose to say " Account paid in full for less than the full balance ''. It was never supposed to include " charge off '' wording in the updated language on the consumer report, which is currently states. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 10001 | null | Consent provided | Web | 2023-10-11 | Closed with explanation | Yes | null | 7,681,056 |
2022-08-02 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | USBank sent me a letter stating that since I have been a good customer, they are increasing my credit line from {$500.00} to {$1000.00} and sent me a new card.
Since I received the card I tried to use it to make a payment at XXXX XXXX XXXX and it would not go through. I called USBank and spoke with a representative who told me someone would get back to me because I was being " investigated '' & transferred me to another dept where I was told that XXXX was the one who had a problem not my account and I could use the card, no problem. Today I received an email from USBank alerting me that they detected suspicious activity on my credit card & to call XXXX. I called 3 times today, but each time I was on hold for 30 minutes then an automated system came on to say there was no one available and hung up.
I have not been able to get anyone on the phone regarding this alert or use the card anywhere. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 900XX | Older American | Consent provided | Web | 2022-08-02 | Closed with explanation | Yes | null | 5,830,508 |
2016-09-20 | Debt collection | Payday loan | Communication tactics | Threatened to take legal action | On XXXX XXXX, 2014, I received a PayDay loan from XXXX XXXX. I was unable to pay the loan off, since I have n't been working, due to a car accident. The loan was sold to premier Portfolio Group, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, www.premierportfoliogroup.com. They have called all my references and provided them with details of the loan and they have threatened me with a law suit and the amount i will owe with court costs and attorney fees. I want them to stop contacting all my references and stop threatening me. | Company disputes the facts presented in the complaint | Premier Portfolio Group | CA | XXXXX | null | Consent provided | Web | 2016-09-20 | Closed with explanation | No | No | 2,122,207 |
2023-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.
Here is the list of items that do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 119XX | null | Consent provided | Web | 2023-07-21 | Closed with non-monetary relief | Yes | null | 7,283,658 |
2022-12-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | report We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT XXXX REQUEST NOT A DUPLICATE* I love the fact that people are working for this company and DONT KNOW THE LAW They truly are not investigating nothing. THEY DO NOT SEND OUT UPDATED REPORTS. THEY DO NOT VERIFY INACCURACIES AT ALL. I WORK IN CREDIT REPAIR AND I KNOW THE LAW. I ALSO KNOW I CAN SUE THEM. FOR THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are reporting this account every month since XXXX as a XXXX trying to make it newer than what it actually is which is a misrepresentation of account status. WHICH IS AGAINST THE LAW. DELETE IMMEDIATELY XXXX. They have the same account listed twice on my credit report as XXXX and XXXX XXXX if you investigated like you said you do, you would know THIS IS THE SAME ACCOUNT!! Reporting as XXXX on my credit report every month as a newer account when this account is listed as closed since XXXX. Another misrepresentation of account status. DELETE IMMEDIATELY XXXX. XXXX XXXXXXXX XXXX XXXX XXXX listed as XXXX XXXXXXXX claimed XXXX on XXXX credit report for 2 years now showing as XXXX all of XXXX. Misrepresentation of account status DELETE IMMEDIATELY. Trying to report the account newer than what it is. XXXX XXXX XXXXL account listed as XXXX and Repo date XXXX. Did not give me a chance to repurchase the property. Did not invite me too the auction. They failed to try to recoup any money. I AM CHALLENGING THIS. SEND ME WHERE THEY DID THIS! You can keep lying to CFPB and telling them you are sending me method of verification letters. I know you are not, and I have every dispute, every letter, every phone call conversation and so does my attorney. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MN | 55125 | null | Consent provided | Web | 2022-12-07 | Closed with explanation | Yes | null | 6,286,493 |
2023-04-24 | Vehicle loan or lease | Loan | Incorrect information on your report | Account status incorrect | I filed a complaint with the creditor that the information on my credit report is not being reported accurately and it was reported to me that it is correct however its not and i will prove that it is not and want the history of the late payments be removed and deleted. | null | FORD MOTOR CREDIT CO. | VA | 23464 | Servicemember | Consent provided | Web | 2023-04-24 | Closed with explanation | Yes | null | 6,877,867 |
2020-01-15 | Vehicle loan or lease | Lease | Getting a loan or lease | Fraudulent loan | AFNI, XXXX credit provided a leased vehicle in XXXX with monthly payments. After 6 months of payments, the car which was on my private property was suddenly taken without any notice. Upon calling XXXX, I was informed that they did not have the loan number. Upon calling XXXX XXXX XXXX, I was informed that the Bank has not bough the loan from AFNI. Further, XXXX did not provide any copies of the documents after there was a robbery on the premises where all the documents were taken.
Having opened suit in DC Superior Court for trespass and breach of peace which is based on the supposed default of the loan. If I did default, there has to be notice provided by the creditor on the terms and possible repossession of the vehicle. The calls as provided by the credit company do not indicate why there was no evidence of the default. After 5 months, the car is taken from the driveway without informing the leasor prior to being in Court for an important hearing which she is plaintiff. Ad the credit company contends that the loans were agreed upon by the parties and there has been no bank involvement, the vehicle has been taken by breach of peace and XXXX has committed trespass. These facts have been provided at mediation and AFNI says it has documents which prove that there is a deficiency that has to be fulfilled. Under DC consumer laws, Im requesting that my rights to be provided notice on a loan within 30 days of any possible default is protected. I also have not been provided any notice of the car being repossessed, auctioned or any activities by XXXX from XX/XX/XXXX - XX/XX/XXXX. | null | AFNI INC. | DC | 200XX | null | Consent provided | Web | 2020-01-15 | Closed with explanation | Yes | null | 3,497,575 |
2023-01-26 | 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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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. | TX | 77373 | Servicemember | Consent provided | Web | 2023-01-26 | Closed with explanation | Yes | null | 6,491,284 |
2023-03-15 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | This complaint is being submitted by XXXX XXXX, consumer and natural person. Please see attached identification for verification purposes only. On XX/XX/XXXX XXXX XXXX noticed a deceptive and suspicious account listed on the consumer credit file ( please see attached consumer file ). The account refers to Paragon Revenue Group a dba of Jon Barry and Associates Inc, with an account balance owed of {$2500.00}. XXXX XXXX has done NO business, has NO agreement, nor any account with Paragon Revenue Group a dba of Jon Barry and Associates Inc. XXXX XXXX mailed Paragon Revenue Group a dba of Jon Barry and Associates Inc a cease and desist letter ( see attached Paragon C & D ), which was delivered on XX/XX/XXXX ( see attached USPS delivery confirmation ). In attempts to collect on this ALLEGED debt, Paragon Revenue Group a dba of Jon Barry and Associates Inc has compromised the identity, violated the privacy, defamed the reputation, and affected the credit worthiness of XXXX XXXX. Even with a cease and desist in place, Paragon Revenue Group a dba of Jon Barry and Associates Inc continues to communicate with, harass, and abuse XXXX XXXX by accessing the consumer files of XXXX XXXX under deceptive and fraudulent pretenses. Paragon Revenue Group a dba of Jon Barry and Associates Inc accessed the consumer files of XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached Unauthorized Access ). XXXX XXXX mailed Paragon Revenue Group a dba of Jon Barry and Associates Inc a notarized Affidavit attesting to the facts listed herein, along with a notice of opportunity to cure for the injuries caused by its abusive debt collection practices ( see attached Paragon AOT ) ( see attached Paragon civil liability ). Paragon Revenue Group a dba of Jon Barry and Associates Inc received said affidavit and notice on XX/XX/XXXX ( see attached delivery confirmation ). Paragon Revenue Group a dba of Jon Barry and Associates Inc has refused to submit payment for damages caused to XXXX XXXX or rebut the sworn statement of facts with an opposing sworn statement of facts. Paragon Revenue Group a dba of Jon Barry and Associates Inc has in fact mailed XXXX XXXX a letter dated XX/XX/XXXX admitting to breaching the privacy of XXXX XXXX by disclosing nonpublic personal information to 3 consumer reporting agencies ( see attached Paragon admittance letter ). | null | Jon Barry and Associates, Inc. | NC | 28311 | null | Consent provided | Web | 2023-03-15 | Closed with explanation | Yes | null | 6,702,832 |
2023-02-13 | 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 | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 90 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX- This employer is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer is not correct. Delete it immediately from my report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 639XX | null | Consent provided | Web | 2023-02-13 | Closed with explanation | Yes | null | 6,568,430 |
2023-02-08 | 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, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, TransUnion, and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization.
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file.
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer.
P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.
Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 125XX | null | Consent provided | Web | 2023-02-08 | Closed with explanation | Yes | null | 6,545,930 |
2019-02-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Naviant keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff.
Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Delinquent AccountXXXXXX/XX/XXXX Has went on every month for the past several years!!!
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis.
Thank you | null | Navient Solutions, LLC. | WI | 538XX | null | Consent provided | Web | 2019-02-19 | Closed with explanation | Yes | null | 3,156,616 |
2023-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have an account listed under XXXX, XXXX XXXX XXXX in which I have not been notified of any monies due. The provider has neither sent me a bill nor connected with me for collection. As a part of the fair reporting act the debt collector should be responsible to contact the consumer but the research neither shows this had occurred and dispute being upheld. Further I have never lived in northern california and stop residing in california in 2014, and claim is showing as recent. The dispute process through experian should be similiar to if the consumer drafts a dispute but they do not seem to even look into the case and people are heavily impacted. especially on fraudulent medical bills. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33544 | null | Consent provided | Web | 2023-06-09 | Closed with explanation | Yes | null | 7,095,581 |
2020-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 751XX | null | Consent provided | Web | 2020-03-07 | Closed with explanation | Yes | null | 3,557,990 |
2018-03-06 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | XX/XX/2018 I receive this deposits in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD Total XXXX USD Same day at nigth i check that in my banking online that i had a bank debit for XXXX USD value, so i called at the time and made a claim, so the customer service told me that i had a note in my account for the lost prevention department so i must call them the next day, they said that department had freeze the account and they had to ask me some questions before unfreeze it.
XX/XX/2018 First time in the morning i check the account again and i can see that XXXX XXXX were missing from my account and i called again very worried about the situation and customer service told me again that i had to call to Lost Prevention Department and ask them about that money. Finally i could made a call to them and their answer was that they had superiors orders to close my account for good with no explanations, that i had to look for another bank, they sent a letter 30 days ago to my billing address and i never get it because my home address is in XXXX and the mail service for USA - XXXX was down this new year, anyway ... after i ask them several times to understand me and help me they agree to give me back the XXXX XXXX they took that day but the XXXX XXXX from the day before they just told me to made a claim from customer service for that money.
XX/XX/2018 I made a claim for the XXXX XXXX XX/XX/2018 I call to ask about the XXXX XXXX claim and i had check for another fraud made to my account for XXXX XXXX, that was an unauthorizing payment from XXXX XXXX XXXX, 2 days before i get a similar one and after i made a claim they put an Stop Payment Order for that company but it didnt work, after 5 hours talking with several departemtns in Wells Fargo where all of them send me with Lost Prevention Department telling me that they had the money finally Lost Prevention Department told me about one client who did the deposit for the value of XXXX XXXX some time after he come back to the bank and showing the receipt and telling to the teller some XXXX excuse the teller withdraw the money from my account and give him back, so i tell the lost prevention department that this is not legal anyone besides me or someone who sign in my account cant withdraw money from my account without my permission, that they answer me that anyone with a receipt can do it.
Some months before another scammer try to do it the same and i made a claim and the bank give me my money back because anyone besides me cant withdraw money from my account, so why now they are telling me they can?, they ask for proof and i give them, i always have the receipt from my clients, so i can show all the proof they want.
Thanks for your help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | null | XXXXX | null | Consent provided | Web | 2018-03-06 | Closed with explanation | Yes | null | 2,835,198 |
2022-07-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 44134 | null | Consent provided | Web | 2022-07-31 | Closed with non-monetary relief | Yes | null | 5,828,386 |
2019-03-03 | Debt collection | Federal student loan debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I started XXXX XXXX College which was told I received a Pell Grant to go for XXXX $ I finished in XX/XX/XXXX because I had family issues but graduated in XX/XX/XXXX paid cash I did not sign any forms for loans. Here it is XX/XX/XXXX and they send me this bill. But the cost to finish was only 4 or 5000 $ in XX/XX/XXXX..This debt is Not my debt I am disputing it. Because XXXX at the time went to XXXX for embezzlement students loans she only had me sign a form that's all ... back in XX/XX/XXXX I signed defer papers moved numerous of time and offer to pay when it was XXXX $ but I could only pay XXXX $ a month they denied me saying it was too low it had to be XXXX or more I was struggling on welfare monthly check was XXXX . I couldn't afford XXXX $ a month they wouldn't accept so here I am haven't been able to pay I am XXXX XXXX and have XXXX income.They Use My Social security Number in a unlawful practice.I can't buy it sell anything with this on my Credit ... everyone goes by good credit scores. KJV Bible verse says a good name is more precious than rubies.I want my good name back this corporation have allowed these entities to ruin my life | null | National Recovery Service, Inc. | VA | 232XX | Servicemember | Consent provided | Web | 2019-03-03 | Untimely response | No | null | 3,167,881 |
2023-04-16 | 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 | Despite my never once being 30-days late, my exorbitant interest rate has made paying this credit card in full completely impossible.
I previously disputed the charge below as the first set of eyeglasses that I received were damaged. While the company did replace the damaged eyeglasses, they replaced them with a pair in which the bifocal prescription is defective. While I can not see out of these brand-new glasses and they are of no use to me because I can not see to read out of them, Chase has rebilled my initial credit from my dispute of the original damaged eyeglasses and Chase representatives have repeatedly refused to place a new dispute on the defective replacement pair.
{$180.00} Transaction date XX/XX/XXXX Posted date XX/XX/XXXX Merchant info XXXX XXXX XXXX XXXX
Description XXXX XXXX XXXX XXXX.
Also known as XXXX XXXX Merchant type XXXX Method Online, mail or phone Card number ( ... XXXX ) Category Health & wellness Worst of all, representatives of this bank have repeatedly promised authorized XXXX XXXX relief and to date, no such relief has been provided. | null | JPMORGAN CHASE & CO. | FL | 34787 | null | Consent provided | Web | 2023-04-16 | Closed with explanation | Yes | null | 6,843,780 |
2020-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | unauthorized inquiry | null | EQUIFAX, INC. | PA | 19130 | null | Consent provided | Web | 2020-09-28 | Closed with explanation | Yes | null | 3,871,232 |
2017-09-01 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I am asking for your help in both clarifying what American Express ( and other credit card companies ) can and can not do, and, I am asking how to initiate changing the regulations if in fact they are legally entitled to do what they say they can and are doing.
I have been an American Express card holder since XXXX.
Frequently, I travel internationally teaching so I typically pay a couple of thousand dollars more than my balance in advance, before I leave - to cover charges when Im away.
This year ( as for many years before ) I called Amex in late XXXX ( around XX/XX/XXXX ) as I was soon going to make a {$33000.00} charge at a hotel as the balance due for our conference and wanted to make sure they would honor the charge. Knowing I was out of the country ( XXXX ) they made no mention that my due date for my current balance of {$2400.00} was in around eight or nine days and if I was late, an interest charge of 29.99 % would be applied to this new large charge of {$33000.00} even though it was not late.
It seems my Amex was due onXX/XX/XXXX and as I did not pay it, I got an email a couple of days later ( already back in the US but not home ) that I was overdue. I called Amex when I saw they were charging me an outrageous 29.99 % on my overdue balance. I asked them to waive the penalty and the interest. Then, to add insult to injury, they charged that interest rate of roughly 29.99 % on the {$33000.00} hotel charge made onXX/XX/XXXX which was not late it was not even due yet ( they charged {$460.00} interest ).
So, on a balance where {$2400.00} overdue and a new charge of {$33000.00} which was was only around 13 days old and NOT late - they charged the entire amount ( approximately {$36000.00} ) at 30 %. I paid my balance in full online ( around {$36000.00} ) onXX/XX/XXXX.
When I called Amex to ask to have this penalty and interest waived as it was wrong and I have been card holder for 50 years, they refused. I wrote to XXXX XXXX XXXX, the CEO and was contacted by a representative of the Executive offices ( XXXX ) and told that was something about the trailing interest on the residual balance which allows them to charge on interest on new charges - if there is a balance overdue. This makes no sense - and if it is legal - it is still wrong.
I am asking you to clarify if Amex is allowed to do this and if so, what has to happen for that part of the regulatory system to change. This is unconscionable and just wrong.
Please clarify and advise.
Thank you, | null | AMERICAN EXPRESS COMPANY | CA | 90025 | Older American | Consent provided | Web | 2017-09-01 | Closed with non-monetary relief | Yes | null | 2,656,707 |
2017-11-06 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Problem with customer service | On XXXX XXXX XXXX I Entered in to contract with XXXX XXXX XXXX XXXX of XXXX Arizona to remodel the master bathroom in my home in XXXX XXXX # for XXXX XXXX handling the project is XXXX. The dollar amount of the contract is {$15000.00} and work was scheduled to commence on or about XXXX XXXX XXXX and scheduled for completion XXXX XXXX XXXX contract contains a binding arbitration agreement and the full XXXX of the contract was set up on a Lowes Credit Card XXXX XXXX paid over 84 month period at 8.9 % interest.I made my first payment as billed by Lowes in XXXX of XXXX XXXX I have made 4 payments and am current on payments.The problem is Lowes is not performing XXXX work as scheduled. They did not start work until XXXX XXXX and due to workmanship problems stopped work on the XXXX of XXXX to switch subcontractors. and thus far have completed only the demolition portion and a small portion of the actual installation They have not done any work since and my calls to Lowes only results in promises that have not been kept.I dont think its right for me to be paying interest payments on work that is no where near completion.They have no incentive to catch up and get on schedule.As a consumer I can not seek legal assistance with a binding arbitration agreement and a threatened lien on my home I am defenseless against their glaring contractual default | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | AZ | 85213 | Older American | Consent provided | Web | 2017-11-06 | Closed with explanation | Yes | null | 2,721,575 |
2021-04-05 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | On XXXX / XXXX 2021 I had challenged AWA Collections to provide validation proof of a debt that was shown on my credit report. As to repose of the company # XXXX. They closed the claim on the CFPB with agreement of closing the account and removing it from my credit report.. As XX/XX/XXXX XXXX my credit report reported to me that AWA Collections did not honored the decision that they stated on CFPB portal. And continue to damage my credit score in the 3 major credit bureaus. | null | Adler Wallach & Associates, Inc. | CA | 93552 | null | Consent provided | Web | 2021-04-05 | Closed with explanation | Yes | null | 4,273,503 |
2022-11-14 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | XXXX XXXX info in XXXX. XXXX stolen XX/XX/22 account started same day on direct deposit checking account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MI | 48227 | null | Consent provided | Web | 2022-11-14 | Closed with explanation | Yes | null | 6,202,741 |
2023-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX XXXX XX/XX/2023 I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXX Amount : {$1300.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.
This is my official request to have to aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29605 | null | Consent provided | Web | 2023-02-16 | Closed with non-monetary relief | Yes | null | 6,579,766 |
2021-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is a follow up dispute to Experian about the negative inaccurate account of XXXX XXXX and the FCRA violations to my Credit Report Im the attachment will be proof of my identity with utility bills with my current address and proof of the inaccuracy of the XXXX XXXX account Any documents of proves will be in file attachments | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10701 | null | Consent provided | Web | 2021-08-03 | Closed with explanation | Yes | null | 4,598,738 |
2020-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter.
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- COLLECTION ACCOUNT 1. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account. | null | EQUIFAX, INC. | CA | 910XX | null | Consent provided | Web | 2020-08-02 | Closed with explanation | Yes | null | 3,775,379 |
2021-01-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been reported to owe a debt to XXXX XXXX XXXX. It is reported to my Experian credit report. I have tried contacting the creditor and provided my social security number and yet they do not have any information. I did not open the account and have been given no evidence of the debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 178XX | null | Consent provided | Web | 2021-01-26 | Closed with non-monetary relief | Yes | null | 4,083,485 |
2022-07-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | It appears to be a few inquiries on my credit report that i am unaware of, it appears that someone utilized my social to potentially get credit cards, and or auto loans under my name.
Experian XXXX XXXX XXXX XXXX from XX/XX/XXXX.
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Please investigate this as it violates my consumer rights as these inquiries are obsolete and in accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 604XX | null | Consent provided | Web | 2022-07-09 | Closed with non-monetary relief | Yes | null | 5,752,772 |
2021-02-09 | Checking or savings account | Checking account | Problem caused by your funds being low | Non-sufficient funds and associated fees | XX/XX/XXXX US Bank account had XXXX cents and no overdraft. US Bank paid a XXXX bill that was {$95.00} dollars reoccurring debt card payment hand't been cancelled. When I spoke to the bank sometime soon after they said " US Bank decided to pay the bill ''. A new account was opened. US Bank sent the overdrawn account to XXXX XXXX. Fast forward to XX/XX/XXXX, I decided to leave US Bank and tried to open an account with a credit union only to be told that I could not do so due to check systems. US Bank is still my bank and they seem to be clueless on rectifying the matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 94109 | null | Consent provided | Web | 2021-02-09 | Closed with explanation | Yes | null | 4,128,115 |
2019-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The following companies ran unauthorized credit inquiry on my credit report. Please remove asap as these are suspicious to me : XXXX XXXX DBA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | SC | 29577 | null | Consent provided | Web | 2019-08-07 | Closed with explanation | Yes | null | 3,332,396 |
2022-12-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have XXXX inquiries on my XXXX report on XX/XX/2022 from the same company elan financial. I did not authorize this company to run my credit report twice on the same day. It makes no sense for a bank to run your credit report twice on the same day, I was told that the same information can be used for XXXX days,. I need these inquires removed as they are a mistake and are in violation of consumer reporting laws. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | IL | 60641 | null | Consent provided | Web | 2022-12-07 | Closed with non-monetary relief | Yes | null | 6,292,761 |
2023-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX - XXXX ) has violated my rights.
15 USC 1681 Section 602 A. States I have the rights to privacy.
15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 46241 | null | Consent provided | Web | 2023-05-13 | Closed with non-monetary relief | Yes | null | 6,974,037 |
2018-03-20 | Debt collection | Payday loan debt | Communication tactics | Used obscene, profane, or other abusive language | I received phone calls from XXXX XXXX, threatening legal action for a past due bill. I was intimidated, so provided my fiancs debit card number because we share a bank account. She called XXXX XXXX, and felt that he was scamming us, so she cancelled her debit card. She asked XXXX XXXX to send a bill, and he sent it in an email. The cover page of the email had a company logo for XXXX XXXX XXXX. Inside the email, it stated it was from XXXX XXXX XXXX XXXX, XXXX. The current creditor was listed as XXXX XXXX XXXX, XXXX. My fianc and myself have received numerous harassing phone calls from XXXX XXXX. He has shouted at her, called her a low life. He calls my family members and tells them theres a case against me for fraud. We both have been threatened with legal action for providing a false instrument. | null | CNG FINANCIAL CORPORATION | OH | 453XX | null | Consent provided | Web | 2018-03-20 | Closed with explanation | Yes | null | 2,849,488 |
2021-11-26 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | Dear Sir or Madam, XXXX. XXXX XXXX XXXX XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the XXXX. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBAXXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the XXXX XXXX XXXX XXXX. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX | Company disputes the facts presented in the complaint | Concorde Auto Management, LLC DBA Concorde Auto Acceptance | TX | 75228 | null | Consent provided | Web | 2021-11-26 | Closed with explanation | Yes | null | 4,948,079 |
2020-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims. | null | Army and Air Force Exchange Service | MD | 207XX | Servicemember | Consent provided | Web | 2020-07-17 | Closed with explanation | No | null | 3,751,089 |
2021-02-15 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | At the Beginning of XXXX XXXX the XXXX ) I noticed that there were fraudulent withdrawals being made from my XXXX debit card that I have with Bank of America. I called immediately and they told me that they were going to file a claim and that my card would no longer work but that I would receive a credit and would still have access to the account to be able to deposit and withdrawal money while I waited for a new card to be sent. After a week went by I saw that I was no longer able to sign in online to view my account and when I called I was told that since they are having a lot of fraudulent activity that they are just completely freezing any account with a claim and that they are investigating them in the order that they were received. I was also told to call back every few days to check the status of my account but even until today on XX/XX/XXXX, there has still been no update and it is still frozen. I wasn't until the 4th time I called that I was told that I have to fill out a form for XXXX to verify my identity and that once that was done I would have to call Bank of America back to request another form to be sent. I've called a few times each week and there is still no change to my account, they say I am supposed to receive a letter saying that my funds have been returned and that I can access the account but I have yet to receive any such letter. I called unemployment and they told me that if I filled out the form to verify my identity then I just have to wait until both entities finish there investigation and communicate with each other, meanwhile I still have to certify for benefits every two weeks and money is being deposited into an account that I can't access and I don't have any other means of income. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91702 | null | Consent provided | Web | 2021-02-22 | Closed with monetary relief | Yes | null | 4,140,855 |
2021-08-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | THE TWO ACCOUNTS " DUVERA/XXXX XXXX '' ARE REPORTING INACCURATELY ON MY CREDIT REPORT. I PAID BOTH OFF IN FULL BACK IN XXXX. THE ACCOUNT IS STILL REPORTING NEGATIVE WITH A BALANCE ON MY CREDIT. I HAVE ATTACHED PROOF OF IDENTIFICATION, A CONFIRMATION EMAIL OF PAYMENT I MADE TO THEM AND A COPY OF MY BANK STATEMENT SHOWING THE CHARGES AFTER THEY TOOK THE MONEY OUT OF MY ACCOUNT. THIS IS A VIOLATION TO MY FCRA RIGHTS. THESE TWO ACCOUNTS NEED TO BE DELETED FROM MY CREDIT ASAP!! THEY HAVE BEEN INACCURATELY REPORTING FOR ALMOST 2 YEARS NOW IF NOT MORE. I ALSO ATTACHED A SCREENSHOT OF THE ACCOUNT AS SHOWN ON MY CREDIT REPORT. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Duvera Billing Services, LLC | OR | XXXXX | null | Consent provided | Web | 2021-08-11 | Closed with explanation | Yes | null | 4,621,055 |
2017-05-28 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I had applied for a card to help my credit score to possibly get a house one da y, well it wo n't happen with this company! I was denied ... Not sure how because I read what you need to have to qualify and I was in those limits. on XXXX XXXX XXXX I receive a letter with WRONG date ( XXXX XXXX ) s ee attachment and with this explanation : " Based on your application information, there is legal action pending against the applicant '' Actually my credits report show that I have closed all credit card with them in very good terms. For some reason they have incorrect information about me. I have very good credit with XXXX XXXX , XXXX XXXX , XXXX XXXX and with my credit union XXXX XXXX XXXX with limits of XXXX and Up. | null | CAPITAL ONE FINANCIAL CORPORATION | VA | 20170 | null | Consent provided | Web | 2017-05-28 | Closed with explanation | Yes | null | 2,495,986 |
2022-12-12 | Credit card or prepaid card | Store credit card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | So I walk into the Macy 's store in XXXX XXXX XXXX New Jersey looking for cologne when a young lady approach me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after I explained the cologne I'm looking for she offers me a credit card I told her I had a good credit score of XXXX and that I would only allow her to do a soft pull she said she agreed several weeks later I get a letter in the mail stating why I was not able to get the car because I'm not using my other three credit cards enough which is not true one of my credit cards had a balance all the way up to {$800.00} that one has a balance of XXXX that I recently paid off so they're saying that I was not active with those cards which is not true and I have evidence of it I will mail you or text or fax you these information | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NJ | 070XX | null | Consent provided | Web | 2022-12-12 | Closed with non-monetary relief | Yes | null | 6,310,024 |
2021-03-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XXXX XXXX XXXX Experian and XXXX responded to my complaint that I filed with the CFPB regarding Chapter XXXX bankruptcy that is on my consumer report each of the credit bureaus claimed that they verified this information with the Federal Courts, they never provided me with a name, address or person. It just states it was verified by courts. On XX/XX/XXXX I wrote to US Bankruptcy Court asking did they verify my information with credit buraus and they sent back the attached correspondence stating they do not verify records with credit reporting agencies. I also checked Experian and XXXX websites an it states they both verify bankruptcies with the courts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 070XX | null | Consent provided | Web | 2021-03-15 | Closed with non-monetary relief | Yes | null | 4,213,880 |
2020-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | REQUEST FOR FREE ANNUAL CREDIT REPORT!!!
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. | null | EQUIFAX, INC. | NY | 11419 | null | Consent provided | Web | 2020-07-29 | Closed with explanation | Yes | null | 3,769,753 |
2020-05-29 | Checking or savings account | Checking account | Closing an account | Can't close your account | My mother owned an account at PNC Ban, it was owned by her Revocable trust, I am the successor trustee for that trust. My mother passed XXXX XX/XX/XXXX. After her funeral in Florida, I stopped by the branch she used, and spoke to the branch manager, and gave her a copy of the trust document. She said I would need to fax down a copy of the death certificate, which i did when I received them from the state of RI at the end of XX/XX/XXXX.
I called the branch subsequently to see what the next step was, this would have been XXXX XX/XX/XXXX ( my mother ' birthday ), whomever answered the phone told me that the person I was looking for did not work there, they put me on hold and then said they had no information about my request.
I called the 800 number for PNC Bank the following week. The CSR put me on hold, came back and told me I needed to send in the death certificate, probate information and will for my mother to a PNC PO Box in XXXX. I told him it was a trust and not a personal ownership, he said it did not matter. I sent the death certificate and trust to that address, and did not hear anything back. A call on XXXX XXXX to the same 800 number they were unable to tell me anything. In early XXXX I called the PNC XXXX XXXX XXXX, mostly to see whether they knew how to resolve the issue. The very helpful woman called the Florida branch, they were going to call me back.
The local branch asisstant manager, XXXX XXXX, called me and told me that the reason my issue was being held up was that the trust document that I had delivered was dated XXXX, and their records show that it was amended XXXX of XXXX. I asked by whom, she said " your father ''. My father passed in XXXX. I asked if they could show me that document, she told me they did not have a copy of the XXXX trust and that I needed to produce it. When I said I had no information of any amendment to the trust, especially in XXXX, she told me to go to the lawyer who wrote the XXXX changes. I reiterated that I did not have any information of any XXXX change. She suggested that I find an attorney to write a letter stating that no such change existed.
I contacted an attorney who told me " no attorney in his right mind is going to attest, under the pains and penalties of pergury, that a document that was allegedly executed by a person who was never his client, does not exist. I advise you against signing such an affadavit, as well. It is up to the bank to either produce the trust amendment referenced in their records, or give you the money. If they refuse to do either, you should file a complaint with the CFPB ''.
I stated such to XXXX in the middle of XXXX, and as soon as she heard " lawyer '' she told me she could not speak to me further.
Two weeks later I received a call from XXXX XXXX from PNC XXXX XXXX @ XXXX. A week later we were finally able to speak and she told me she was waiting for the XXXX trust document from Florida. I told her that PNC Florida was asking me for it and I have no knowledge of it. She told me she would talk to her legal department.
Today she called me back and said that I needed to get an affidavit drafted stating that the XXXX trust, that they do not have a copy of, does not exist. I again explained that it makes no sense that they have records of a change but not the document itself, and she told me that she could not give me any more information because I am not listed on the account itself, but I needed to attest that the XXXX change did not exist.
The value of the account is less than XXXX, and I have used the trust documents in my posession for managing accounts from XXXX and XXXX with no issue. I do not know where else to turn, this sounds like outright theft to me | null | PNC Bank N.A. | RI | 028XX | null | Consent provided | Web | 2020-05-29 | Closed with explanation | Yes | null | 3,674,556 |
2023-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | 15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10468 | null | Consent provided | Web | 2023-06-10 | Closed with explanation | Yes | null | 7,097,698 |
2023-08-09 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | A person went in to my account and reverse bill that I had paid and made it look it was me and I told Chase that now of it was me so they say that I od them XXXX dollars for the checks that went in my account they closed the account so I don't know how they say that I took money out and they did not tell me about what was going on tell couldn't get in my account so I fill that they wrong for not telling me what was going on when it was happening to me.i had to come in the bank to know what was up and the person that this reverse my bills that I had all ready paid I had to fright for were is staying because the person reverse XXXX months of my rent that I paid went on the computer and electronic checks from places were I went and brought at the store and wrote checks from my account that I did not know about.i need the red flag off my name because I don't od them nothing. | null | JPMORGAN CHASE & CO. | IL | 605XX | null | Consent provided | Web | 2023-08-09 | Closed with explanation | Yes | null | 7,375,830 |
2020-07-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | Hunter Warfield, INC XXXX XXXX at XXXX {$6500.00}.
I was under a lease at XXXX XXXX XXXX in XXXX, Texas. I have never lived in XXXX. I was XXXX at the time. I have disputed for the past 4 years No one can show me proof that I have lived there. | null | HW Holding, Inc | TX | 76105 | null | Consent provided | Web | 2020-07-09 | Closed with explanation | Yes | null | 3,724,537 |
2023-01-24 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | I had XXXX returned payments because my bank account was frozen and closed due to fraudulent activity from a different card. {$4000.00} was stolen from the bank account that I usually use to make my Amex payments. I informed Amex about the situation and they told me its okay just make payment from different bank account. Considering I have XXXX bank accounts I did and my payments were up to date. I always pay on time and pay off my cards before the end of billing cycle. I had another returned payment because I chose the wrong bank account and I asked Amex to stop trying to take the money out of the account XXXX times. I told them that bank account is the wrong account and I dont use the account and to cancel the payment since I realized my mistake before and made the payment right away with my different account. Amex then told me they need to verify funds from a different bank account which we did. I had sufficient money in there and they unblocked my card. After multiple times of telling them to stop trying to take money from the wrong bank account they did not and kept trying and trying. My Amex card balance is currently XXXX. They actually owe ME money. On top of that I just paid my {$690.00} membership fee which they informed me I might not even get back which is theft, I just paid them {$690.00} for membership and they then close my account? Seems kind of fraudulent to me. They then took {$1200.00} worth of points from me as well. I have been a member with Amex since 2017 I believe starting with XXXX Amex and then gold Amex and platinum. I have paid on time always and never missed a payment. What they are doing is fraudulent and I either would like my platinum card reinstated as well as my gold card or my membership fees back for both cards since they didnt even allow me to finish my year of membership with my gold card. Thats {$250.00} in membership fee for gold card and {$690.00} for platinum. Plus I would like my balance sent to me in form of check. I really would rather have my card reinstated and my points back but if not this is theft. | null | AMERICAN EXPRESS COMPANY | NY | 10312 | null | Consent provided | Web | 2023-01-24 | Closed with monetary relief | Yes | null | 6,480,634 |
2019-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have two different complaints First of all, with the exception of the {$550.00} being worked my Midland ( more on them below ), every one of the balances showing on my report HAS BEEN PAID IN FULL I know that you will claim that my score will be upgraded soon .... but that does not change the fact that what is being reported is outdated and inaccurate!
My second problem is that Midland is claiming that my account has not been updated meaning of course that they are hoping to bleed more $ $ from me which aint gon na happen Could you help in that area? | null | ENCORE CAPITAL GROUP INC. | VA | 23223 | Older American | Consent provided | Web | 2019-06-13 | Closed with explanation | No | null | 3,274,182 |
2021-05-12 | 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 | On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX XXXX, and the three major credit bureaus ( XXXX, Equifax, XXXX ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file. | null | EQUIFAX, INC. | PA | XXXXX | null | Consent provided | Web | 2021-05-12 | Closed with explanation | Yes | null | 4,370,877 |
2017-03-23 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | XXXX. claims I owe them money. I never heard of this company nor have I ever done any business with them. They sent my fraudulent balance to collections ( Central Credit Services LLC ) and the collection agency wo n't speak with me regarding the fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Radius Global Solutions LLC | VA | 20170 | null | Consent provided | Web | 2017-03-23 | Closed with explanation | Yes | No | 2,401,215 |
2023-03-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28270 | null | Consent provided | Web | 2023-03-28 | Closed with non-monetary relief | Yes | null | 6,759,986 |
2016-08-12 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file. | null | Optimum Outcomes, Inc. | GA | 30093 | null | Consent provided | Web | 2016-08-12 | Closed with explanation | Yes | No | 2,061,487 |
2019-09-12 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached. | null | ONEMAIN FINANCIAL HOLDINGS, LLC. | DE | 198XX | Servicemember | Consent provided | Web | 2019-09-12 | Closed with explanation | Yes | null | 3,372,790 |
2022-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information belongs to someone else | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | null | EQUIFAX, INC. | FL | 328XX | null | Consent provided | Web | 2022-03-21 | Closed with explanation | Yes | null | 5,346,521 |
2022-06-23 | 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 | On XX/XX/XXXX I and XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail. I told them to investigate everything on my credit report and to make sure every is XXXX percent accurate. Here is my certified mail USPS tracking numbers Tracking Number : XXXX, XXXX, XXXX Transunion did not review and send supporting data furnishers, because if they did then they know these items shall not be on a consumer report.
They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
They also violated my rights numerous times.
The credit bureaus violated my given rights under 15 USC 1681.
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.
Transunion keeps saying verified and accurate with no changes. made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made.
Thank you Mr. CFPB for looking into this. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77042 | null | Consent provided | Web | 2022-06-23 | Closed with non-monetary relief | Yes | null | 5,700,513 |
2022-03-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report.
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$290.00} | null | EQUIFAX, INC. | PA | 19082 | null | Consent provided | Web | 2022-03-03 | Closed with explanation | Yes | null | 5,285,144 |
2018-04-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Report provided to employer without your written authorization | Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs.
Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them.
Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry.
Note : i was using upgrade ONLY because i can check rates with no impact on my credit score.
My score dropped by 15 points yesterday.
Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX | null | Upgrade, Inc. | CA | 94544 | null | Consent provided | Web | 2018-04-02 | Closed with explanation | Yes | null | 2,862,393 |
2020-07-16 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I applied for an Apple Card on XX/XX/XXXX, and was notified that my application was denied because my outstanding balances were too high relative to my income, but that I could pay down my balances and reapply, without any detrimental effects. I began paying down my balances incrementally, reapplying each time, and being denied for the same reason, with the same guidance about how to get receive a different decision. I then paid off a large portion of my balances with birthday presents I received, and reapplied, this time noticing that I had previously underreported my annual income by only reporting wages. This time, I was denied because my information could not be verified, and instructed to call a Goldman Sachs Apple Card Approval specialist if I believed this was an error. I did so on XX/XX/XXXX, and was told that nothing could be done for 30 days, because the system was unable to take new information from me, at which time I could reapply. When I complained that I need the card right away, to finance the purchase of a new XXXX for use in my job as an XXXX, and that I had been instructed repeatedly to reapply without any mention that doing so more than a certain number of times would prevent me from applying for 30 days ( if I had known this, I would have paid down my balances at once before reapplying, instead of doing it incrementally because I was told I could reapply repeatedly without penalty and was trying to get the card to finance my XXXX purchase as soon as possible, for use XXXX in these times ). After being transferred to a supervisor, I was told that I had to wait 30 days for the system to repopulate my data ; when I explained the situation and said I would contact the CFPB, I was told that a case would be opened for me and I would be contacted on XX/XX/XXXX. On XX/XX/XXXX, I received an email explaining that I had been rejected for the reasons detailed in the original rejection email, and to call a specialist if I believed this was an error. I called again, repeated exactly the process described above, was told again by a manager that all I can do is wait 30 days and reapply, although she initially said that there was no reason why that should be the case, so I am now filing this complaint. I am locked out of applying for a card I need to finance an urgent purchase for 30 days, because I did what the issuing bank told me to do in order to successfully reapply, at every point. | null | GOLDMAN SACHS BANK USA | CA | 90016 | null | Consent provided | Web | 2020-07-16 | Closed with explanation | Yes | null | 3,749,652 |
2022-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | There are numerous inquiries on my file that I do not recognize nor have I applied for credit with those companies. I reached out to the credit reporting company to oy be ignored. | null | EQUIFAX, INC. | CA | 92879 | null | Consent provided | Web | 2022-05-23 | Closed with explanation | Yes | null | 5,589,146 |
2019-11-27 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | Hi, I want to ask for your help to reinstate my amex XXXX XXXX credit card account. My cards were cancelled last week for " dispute abuse. '' However, I do not agree with this conclusion. I used my cards frequently and actually daily and internationally. When you use cards everywhere, you will encounter problems you can not deal with on your own, that is the reason why we trust amex to help su but not denying your service! You can not cancel people 's cards without even a notification. I am travelling internationally right now and cards got cancelled brought so many problems I can not deal with, is this amex want to bring to your customers? This is not fraud or gaming the system, this is a loyal customer got embarrased by the bank he trusted and proudly used everywhere around the world. I called amex several times asked them to reinstate my account but they said to me it was denied and probably will get denied again. Just because some team claiming dispute abuse, a loyal customer suffered the consequence of not being able to use cards globally. I ask your help to make an reinstatement request for my amex hilton aspire card account again. | null | AMERICAN EXPRESS COMPANY | MA | 02472 | null | Consent provided | Web | 2019-11-27 | Closed with explanation | Yes | null | 3,452,734 |
2018-06-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved.
Equifax on XX/XX/2018 by XXXX, XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX, XXXX on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan.
Please do the needful!
Best Regards, | null | EQUIFAX, INC. | CA | 926XX | null | Consent provided | Web | 2018-06-27 | Closed with explanation | Yes | null | 2,947,656 |
2023-04-07 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my XXXX account ( managed by XXXX XXXX ). On XXXX, I mailed check # XXXX to XXXX XXXX XXXXXXXX XXXX to pay off the balance however, on XXXX the check was deposited by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) to a Misc Deposits account, despite I have never had an account with Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ).
After opening 4 disputes with XXXX XXXX XXXX XXXX ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my XXXX account, due to the check not being cashed by XXXX XXXX but being cashed by Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) ( Please see attached check for confirmation ).
XXXX XXXX XXXX suggests, due to the deposit type ( a remote deposit ), additonal research should be conducted by both Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) and XXXX XXXX XXXX XXXX via pulling their remote deposits from XX/XX/2022 and confirming the check is on the Remote Deposits Report.
To resolve this matter, I am requesting Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the time Portfolio Recovery Associates Inc ( Portfolio Recovery Associates LLC ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint.
Thank you for your assistance in advance. | null | PORTFOLIO RECOVERY ASSOCIATES INC | LA | 70461 | null | Consent provided | Web | 2023-04-07 | Closed with explanation | Yes | null | 6,809,565 |
2023-06-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have a right to accurate information, if the reinstatement of the item on my credit report is found to be inaccurate or incomplete, I have the right to request its removal or correction. I have a right to an explanation per the FCRA and am requesting information as to why adverse information that was previously disputed continues to reappear on my credit report. I have a right to fair credit reporting and request appropriate action to be taken to rectify the situation. I am requesting a written explanation, supported by relevant documentation, detailing the reasons for the reinstatement of the item on my credit report. Additionally, I expect that you conduct a thorough reinvestigation into this matter to ensure the accuracy and completeness of the information on my credit report. Please provide your response within 30 days, as stipulated by the FCRA. Kindly send your written explanation and any accompanying documentation to the address mentioned above. I appreciate your attention to this matter and look forward to your timely response, as well as a prompt resolution to this issue in accordance with my rights as a consumer under the FCRA. | null | EQUIFAX, INC. | NC | 28786 | Servicemember | Consent provided | Web | 2023-06-18 | Closed with explanation | Yes | null | 7,130,556 |
2018-09-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Portfolio Recovery is report wrong information on my credit reports.
The information that is being reported on my credit reports is false. Portfolio Recovery is a collection agency, however they are representing themselves as a " factoring company '' on my credit reports. I have attempted to dispute directly with them but the refuse to take action.
Portfolio Recovery are representing themselves as a factoring company. They have been reporting this way on my reports since 2017. | null | PORTFOLIO RECOVERY ASSOCIATES INC | NV | 89052 | null | Consent provided | Web | 2018-09-19 | Closed with explanation | Yes | null | 3,023,726 |
2022-06-02 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | This company Convergent Outsourcing is reporting to XXXX and XXXX on my consumer report that a debt is owed to them. I have not received any information regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and hampering my ability to obtain credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | IL | XXXXX | null | Consent provided | Web | 2022-06-02 | Closed with explanation | Yes | null | 5,624,275 |
2023-05-07 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | My card was shut down on Saturday, XX/XX/XXXX due to a fraud alert. I did not get a text alert. I only got an email alerts and I attempted to send my wife money for gas at XXXX XXXX that night and it would not allow me to do so. I called the bank waited on hold for 15 minutes. I reached XXXX on the line who repeated his name and that he was on a recorded line 4 times which is probably why they have 15 minute hold times. My wife was also on the line since she was stranded at the gas station. We were told XXXX was unable to clear the fraud block because their system was updating. we expressed our frustration due to my wife, being stranded in the middle of the night with our children. XXXX was too sensitive to handle the complaints and instead disconnected the call stating he did not want to deal with the negative interaction. My two complaints are that if their system is updating, they need to have a workaround to remove a block they placed on my account and secondly, if I share a complaint, it should be logged and I should not be hung up on. This needs to be escalated to Wells Fargo management. If this is how theyre going to do business, I will terminate my business with them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AZ | 85086 | null | Consent provided | Web | 2023-05-07 | Closed with explanation | Yes | null | 6,946,931 |
2021-02-17 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | I was contacted by Receivable Solutions, Inc. in XXXX, SC about medical bills. I received my first statement XX/XX/2020 showing a balance of {$3400.00}. I made a payment of {$100.00} in XXXX, XXXX, XXXX, and XXXX of {$100.00} each month. The next statement I received was dated XX/XX/2020 with a balance of {$3000.00}. I sent a payment in XXXX of {$100.00} and received an XXXX statement with a balance again of {$3000.00}. The next statement was dated XX/XX/2020 with a balance of {$690.00}. I sent {$100.00} payments in XXXX, XXXX and XXXX. The payments in XXXX and XXXX were never deposited. They contacted me in XXXX and I asked them at that time for a printout showing the payments I had made and how they were applied. I have received nothing from them since. Today they called me and told me I needed to make payments. I told them I won't make another payment until I receive a statement of some kind and reminded them that my two payments were never deposited. The girl on the phone made excuses about how the mail has been unreliable because of the pandemic. This company has no website to check your balance. There's no way to make an online payment. I can make a payment over the phone with my debit card but get no receipt or statement to show the payment was made. I do not trust that this company is honest or legitimate. Their communication with me has been so erratic that I don't believe them to be a reliable business. | null | Receivable Solutions, Inc. | OK | 73013 | null | Consent provided | Web | 2021-02-17 | Closed with explanation | Yes | null | 4,145,136 |
2021-01-15 | Debt collection | Private student loan debt | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/2020, I called and spoke to a representative of Bass & Associates, PC in order to validate the debt and any possible charge-offs against me. However, Bass & Associate, PC failed to validate any debt against me. | null | Bass & Associates, P.C., Attorneys at Law | TX | 773XX | null | Consent provided | Web | 2021-01-15 | Closed with explanation | Yes | null | 4,072,139 |
2017-01-30 | Debt collection | I do not know | Disclosure verification of debt | Not given enough info to verify debt | No knowledge of this debt. | Company believes it acted appropriately as authorized by contract or law | ERC | LA | 70043 | null | Consent provided | Web | 2017-02-02 | Closed | Yes | No | 2,316,485 |
2022-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | i am the consumer by law and my info was misused and handled without my consent by law isnt legal | null | EQUIFAX, INC. | MI | 48174 | null | Consent provided | Web | 2022-03-22 | Closed with explanation | Yes | null | 5,353,661 |
2022-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | NC | 27405 | null | Consent provided | Web | 2022-03-30 | Closed with explanation | Yes | null | 5,386,566 |
2022-03-20 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | I mailed a debit validation letter via certified mail with return receipt, to Westlake Financial on XX/XX/2022, for complete accuracy and any billing errors. I have have the right to request and receive validation of the debt according to FDCPA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Westlake Services, LLC | CA | 958XX | null | Consent provided | Web | 2022-04-05 | Closed with explanation | Yes | null | 5,344,897 |
2019-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 1.I have filed a police report as Case card requested 2. I have also place a fraud alert on my credit report with all 3 bureau 3. I have file an identity theft with the Federal trade commission 4. I have file 2 report with the Consumer financial protection Bureau 5. I have send you a copy of my passport showing I travel in and out of the country over a 5-year time.
6. I have file ever month for in accuracy to Chase Card ( every month ) 7. i have flie with Attorney Generals Office 8. i have file with XXXX XXXX XXXX I have follwed all those step yet Chase card yet to remove this account from my credit report, every month I file a dispute with all 3 bureau yet no one from Chase Card company take my situation serious, everything are being sent over electronic to the bureau in response, each time I file a dispute. I think my ex wife are someone may have open this account in my name while I was traveling throughout the years .back and fouth. | null | JPMORGAN CHASE & CO. | MD | 21225 | null | Consent provided | Web | 2019-07-06 | Closed with explanation | Yes | null | 3,297,840 |
2021-01-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77047 | null | Consent provided | Web | 2021-01-18 | Closed with explanation | Yes | null | 4,074,968 |
2021-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I have over 21 closed account that should have been removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07071 | null | Consent provided | Web | 2021-04-12 | Closed with explanation | Yes | null | 4,289,089 |
2016-06-21 | Debt collection | Credit card | Communication tactics | Threatened to take legal action | Repeated calls to my work XXXX XXXX XXXX I told them not to call but they do anyways | null | DISCOVER BANK | CA | 92504 | null | Consent provided | Web | 2016-06-21 | Closed with explanation | Yes | No | 1,977,452 |
2023-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX/XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX/XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20902 | null | Consent provided | Web | 2023-06-30 | Closed with non-monetary relief | Yes | null | 7,188,742 |
2022-01-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 | Experian Information Solutions Inc. | PA | 15206 | null | Consent provided | Web | 2022-01-22 | Closed with explanation | Yes | null | 5,137,591 |
2022-12-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33176 | null | Consent provided | Web | 2022-12-16 | Closed with explanation | Yes | null | 6,323,546 |
2022-10-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/2021 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85251 | null | Consent provided | Web | 2022-10-03 | Closed with explanation | Yes | null | 6,046,319 |
2021-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX is misreporting my transferred mortgage to Equifax. The mortgage was transferred to XXXX bank, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit. | null | EQUIFAX, INC. | CA | 92071 | null | Consent provided | Web | 2021-05-04 | Closed with explanation | Yes | null | 4,350,974 |
2018-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have two unfamiliar items on my credit report. After speaking with TransUnion they advised me that I could place a security fraud alert on my credit report and also file an identity theft report. I mailed the information in XX/XX/XXXX and was told that it was not received so I called and was advised by a supervisor to fax my request over. I faxed my information on XX/XX/XXXX and I called after business days to confirm that my fax was received. However, TransUnions has still failed to removed these 2 items from my credit report per the fair credit report act section 605B. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32208 | null | Consent provided | Web | 2018-04-12 | Closed with explanation | Yes | null | 2,872,602 |
2021-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | GA | 30213 | null | Consent provided | Web | 2021-09-28 | Closed with explanation | Yes | null | 4,760,673 |
2017-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Mailed to XXXX Equifax, XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX | null | EQUIFAX, INC. | TX | 77073 | null | Consent provided | Web | 2017-06-29 | Closed with explanation | Yes | null | 2,561,906 |
2019-05-21 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | XX/XX/2018 its saying I opened an account under I C System not even sure what that is, however. Its showing here on my credit report {$420.00} is pst due but I havent opened anything my identity was stolen. Ive contacted them and tried to tell them. They deleted it then added it back. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | KY | 40422 | null | Consent provided | Web | 2019-05-21 | Closed with explanation | Yes | null | 3,249,191 |
2021-10-18 | 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 | My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau are reporting inaccurate information on LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. | null | Resurgent Capital Services L.P. | AL | 354XX | null | Consent provided | Web | 2021-10-21 | Closed with explanation | Yes | null | 4,817,116 |
2022-10-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN I XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33193 | null | Consent provided | Web | 2022-10-31 | Closed with explanation | Yes | null | 6,149,140 |
2023-07-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33426 | null | Consent provided | Web | 2023-07-18 | Closed with explanation | Yes | null | 7,276,316 |
2023-05-23 | 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 lived in Wisconsin, I have had my identity stolen back in XXXX and I have filed it with all XXXX credit bureau. I have seen this address continuously on my accounts. | null | EQUIFAX, INC. | TX | 759XX | null | Consent provided | Web | 2023-05-23 | Closed with explanation | Yes | null | 7,013,726 |