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I have asked the credit bureaus to do a verification of everything on my credit report they stated everything was accurate. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. The accounts below all have inaccurate reporting dates and amounts between the bureaus. ACCT NAME : XXXX XXXX ACCT # XXXX AMOUNT {$1700.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$400.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. ACCT NAME : XXXX XXXX # XXXX AMOUNT {$340.00} In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

XX/XX/2023 Someone used my name and a previous address to open a XXXX XXXX credit card, I spoke with the company and they were suppose to send a letter and an email and I havent received the email

This is my issue with Navient I called and asked about a payment plan and was given XXXX and then they want back on their word. They told me that the lady made a mistake when she told me that. I felt like I should have honor what was told to me.

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

I am a Bank of America merchant services customer. I use Bank of America merchant services to handle all of my credit card processing. I was told and contracted that funds would be deposited into my business checking account within 1 business day of payment. I was contacted by BOA to explain and provide invoices for 4 transactions on XX/XX/XXXX, I provided that information on XX/XX/XXXX. I have had my credit card payments from customers held since XX/XX/XXXX, the amount is approaching {$30000.00} and I have not received any of it as I was suppose to. I have followed up every day by phone or email for the last 8 days with no response or resolution. All of my customers have picked up orders paid for or had them shipped. I am out the funds and the items. Bank of America has not explained what is going on and nobody in risk department will answer the phone or respond to phone calls. This has caused substantial harm and uncertainty to my business.

Received a letter in the mail on XX/XX/XXXX stating I repay a debt to Citibank in the amount of {$1700.00}. I have never opened an account with Citibank and it is not on my credit report. Mailed a letter back to the company on XX/XX/XXXX along with my formal complaint to CFPB.

There is a fraudulent account on all three credit bureaus. The company is transform credit inc . I did not open an account this company and I did not recieve any money from then. The website is https : //transformcredit.com/ I need this removed from my credit immediately

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I was sourced to contact Federal Trade Commission and police department for identity fraud, now I'm contacting you all for your assistance. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED and XXXX XXXX

I paid off a Wells Fargo truck loan ( XX/XX/XXXX overnighted check by my credit union ) that included an extended warranty. They didn't process it until XX/XX/XXXX. I had canceled the warranty ( XX/XX/XXXX ) prior to payoff. The full refund for the warranty of XXXX was sent to Wells Fargo because at the time I canceled, Wells Fargo held the loan as far as the dealership knew. Wells Fargo received the check XX/XX/XXXX which is after the loan was paid off per the XXXX tracking number. Wells Fargo is refusing to send me the refund until at least XX/XX/XXXX. I spoke to XXXX at Wells Fargo Auto at XXXX on XX/XX/XXXX and she told me they wouldn't cut me a check until XX/XX/XXXX because there was a 10 day hold on the check even though I know they received the check XX/XX/XXXX. I also spoke to XXXX at XXXX. I opened a complaint case with the XXXX XXXX per XXXX. Case XXXX. I was told a " case specialist '' would call me back Monday XX/XX/XXXX. Noone called or emailed. The case was supposed to be reviewed. I even provided the name of the woman who sent the check, both of her phone numbers and the date it was sent. I was told it was noted and thank you. I called Tuesday XX/XX/XXXX at XXXX and was told case specialist was on break & would call me back. I called again at XXXX & was told the case specialist XXXX was at lunch. I asked for a supervisor. Finally got to speak to the case specialist XXXX after 30 minutes. She told me I would not be paid until XX/XX/XXXX. I wanted to know why they held my money this long. In order to have this decision reviewed AGAIN I would have to open a new case to complain. I forwarded the email I received from the dealer showing the check amount, date sent, address, date received & who signed for it to : XXXX. I repeated the email address back to XXXX and she confirmed it. The email couldn't be delivered. Wells Fargo was late in paying off my loan even though my credit union paid it off PRIOR to my first payment to Wells Fargo. Now they will hold my refund for almost a month even though they've been paid for almost a month.

I have filed several disputes with the following credit bureaus XXXX, XXXX, EXPERIAN, I have request update credit reports and have received no answer to my disputes nor for the update credit report request.

After reviewing my report Im aware that the below accounts are still on my report after I called in and sent letters to have them investigated previous. I also submitted a request online and have not gotten an update. Which is a violation of my rights. This is also hindering me from being able to purchase my first home. In accordance with the Fair Credit Reporting Act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # : XXXX I.C. XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items for information, any other adverse item of information, other than record of conviction 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.

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes. Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading. In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code. * Immediately cease and desist any further legal actions, including the pending lawsuit relating to this account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws. * Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate. Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.

iLendingDirect processed a refinance of my auto loan for me on XX/XX/XXXX, financed by XXXX XXXX XXXX. As part of the package I purchased a vehicle service contract for {$3100.00} through XXXX XXXX XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX to cancel the service contract. I never received a refund and the amount paid for the service contract was never returned to the bank. On XX/XX/XXXX I followed up with XXXX XXXX XXXX and they responded that the contract was voided prior to be funded and that iLendingDirect still has the funds. I have been attempting to get iLendingDirect to return the funds to me or my lender but have had no success. They keep telling me that I am not sending them the cancellation form which I have submitted twice now.

I sent a debt validation letter to this company XX/XX/XXXX. They have failed to validate and it is now XX/XX/XXXX. In results they have removed but added it back under a different name but same address

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

XXXX lowered than closed my checking plus line of credit. Supervisors and staff state due to derogatory information on my credit report. Three aspects. One is I have told numerous people at XXXX that I am part of a special program that is going to eliminate my debit. I got my free credit report. The report shows negative on certain credit card. However I do not due business with Experian, I have had a checking account with XXXX over thirty five years. The so called negative information on my credit report is not correct in context become I am part of a special program to eliminate my debt. The program takes time. I need to have my checking plus restored to a XXXX XXXX dollar limit as it was before. Thanks XXXX XXXX

Wallet was stolen with social security card, military ids, state driver 's license at the beginning of XX/XX/2021. I filed a police report with XXXX police department in XXXX SC. I've been receiving credit statements and overdrawn bank account statements that I didn't apply for. XXXX XXXX Bb & t bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Hi, I was a victim of identity theft. Someone has stolen my data and created negative accounts. I want to remove negative accounts from my credit report. I have sent the complaint letters to credit Bureaus to remove these accounts. These accounts are decreasing my credit points. But, they are not removing them. Please remove all negative accounts from my credit report as soon as possible.

I was notified by XXXX on XX/XX/18 regarding an alleged debt being reported on my credit report from NCC Business Services. I have reason to believe I do not owe this debt because I was never notified by the original creditor or collections agency. I called to NCC Business Services on XX/XX/18 and spoke with XXXX XXXX who verified my name and date of birth. I also notified her when asked to verify my address that she had the incorrect address. However that I'd like to clarify that I am not acknowledging or accepting that I owe this debt. In turn I asked if her company was licensed to collect said debt in my state. In turn she responded that it was public record. I asked for the company 's license number and she refused. I then asked for a supervisor ; I spoke with XXXX XXXX who in turn would not grant my request. After a debate I paid the alleged debt. Only to find out that NCC Business Services is not licensed in Virginia to do business. Scc ID : XXXX has been revoked. No documentation showing that I am responsible for this debt, or a copy of any judgment ; was ever received. No documentation showing that they are licensed to collect debts in Virginia. I

Debt is not mines last names aren't even spelled the same. Must be father 's doing.

On XXXX and XXXX Hard Inquiries were made to 2 of my credit reports without my authorization or knowledge. I opened a dispute about these inquiries on XXXX, and the dispute was closed with Capital One stating they were " unable to find any inquiries that match the information you provided. '' In the letter I received from Capital One is an address that I've never lived at, or even recognize, so I'm quite sure they have me mixed up with someone with the same name.

I have applied for a credit increase with Capital One five times and l have been decline in getting a credit increase. My credit scores are in the XXXX and XXXX mark. I was declined because to many recent credit inquiries, in which the inquiries was implemented to get a better VA lender to purchase for a Home. In which l am Preapproved and qualified with VA lenders to get a better interest rates and deals. Presently, I obtain XXXX XXXX and my VA Loan Agent is XXXX XXXX. Email XXXX I have filed various Federal government complaints against XXXX as they have been retaliating and discriminating against me, because of my National Origin as a XXXX XXXX XXXX and XXXX XXXX XXXX Military Veteran. I am respectfully XXXX XXXX and XXXX. XXXX has a business partnership with Capital One and XXXX has given my private information to other companies. My credit scores is demolished because of XXXX breach and issues.

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.

Fraudulent entity applied for a CapitalOne Bank credit card using my name and address.

Lowes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

It said on my credit report Opened XX/XX/2019 I had collection opened with this company Paramount Recovery S for {$160.00} But not until last week was my credit impacted. I received no calls or anything from this company - now my credit is impacted tremendously by this false claim for collection. XXXX XXXX XXXX XXXX XXXX was the original creditor. We paid all medical bills before as my credit was 800+ before this.

This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.

unauthorized inquiries: Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX # XXXX

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 'Personal Loan ' for 'Transportation/Vehicle ' ( NOT CONSIDERED ) Due to 'Credit Reprt ' ( VICTIM OF FRAUD SINCE XXXX ) US DEPARTMENT OF TREASURY ( IRS WHISTLEBLOWER OFFICE ) Reference Claim Numbers : XXXX, XXXX, XXXX, XXXX ( Dated XX/XX/XXXX ) Based on Previous ( Consumer Financial Protection Agency NON-ACTION )

( LETTER & ID THEFT REPORT ATTACHED ) RE : Request for Investigation of Unauthorized Inquiries and Incorrect Addresses Please do not state that you cant verify my identity. Attached are all necessary identification documents ( ID, Social Security Card, and Bill ) and also my Identity Theft Report. Inquiries to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove ALL INQUIRIES with the names of the above banks. I checked my personal credit report, which I acquired from your organization and there are no accounts on my credit report for these inquiries, so these unauthorized inquiries should be removed from my credit report upon receipt of this letter. Addresses to Remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove ALL ADDRESSES that are noXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EXACTLY. Any other variation is a fraudulent address and I do not give authorization to have on my account. All other addresses are non-existent and not mine! The above reference to this address does not exist and needs to be removed no matter who is trying to report it- it is obviously false. If your bureau does not report these additional addresses or inquiries then please disregard.

I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.

There are over 70 credit inquiries on my credit file with XXXX, equifax and XXXX and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.

There has been an ongoing identity theft dispute with Navy Federal Credit Union for the last year plus concerning 2 credit cards opened and used fraudulently as I am a victim of identity theft. NFCU on XXXX initiated a transfer of {$4100.00} without my prior consent or permission for the total of the credit cards that are currently being disputed. This violates several of my consumer rights per the FDCPA, FCRA, and XXXX as they are making collection activity while the account is in dispute, in addition these accounts are reported as being charged off on my consumer report which is causing me great harm and suffering as I am unable to extend credit as a result of inaccurate information being reported on my consumer report. There has been an ID theft report submitted from local law enforcement, an FTC report in addition to an ID theft affidavit. I have also provided previous notice from a former employer of a data breach of my SSN and previous address which these accounts were opened under.

I initially had my loan with XXXX University and was paying them back under the terms specified. The next thing I know my loan has doubled from what it initially was and bought out by XXXX. I then began paying them as stated the amount has now doubled. I paid them for several years and then my loan was sold again to Navient and I am back to paying the original loan that I started out with XXXX University. I feel that this whole system is a scam and I have been paying these people for years. I feel this on-going practice is robbing me blind. I graduated from XXXX University in 2008. I have been paying on this student load since before that time. I would like someone to investigate this matter. I tried to do a loan forgiveness because I work with XXXX XXXX but was denied because they said the dates did not match what they had on record. I feel that was a total fabrication on Navient 's part. Again, please have someone investigate this matter as soon as possible. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. My previous address was in XXXX XXXX, XXXX Thank you for your assistance in this matter.

XX/XX/XXXX : I was able to pay a pass due amount of {$69.00} but the monthly payment of {$130.00} is not doable since I am paying other private loans through them monthly of {$260.00} which soon will increase in XX/XX/XXXX. This amount is drafted every month on the XX/XX/XXXX. I would be paying close to {$400.00} a month, money I don't have after all my bills are paid. I tried to speak to them if they were able to place the loan under the same low-reduction program but they stated they could because of the type of loan. I asked them what type of loan it was and the rep stated it was a class loan. I told her I was never told of a class loan when I was being helped by the financial staff at the school. All they stated was I will be getting Private loans and Federal loans. Very general terminology of what the loans where. The rep in turn stated pretty much they didn't have to place me in any type of program when it came to private loans, they can just terminate the program period. I told her, all I was trying to do was to be able to pay my loans and be in good standing. I am trying to avoid non-payments because I cant pay all they are asking of me. I want to come to a middle ground with them where we both benefit from it.

( 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 ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter

This is the response they keep giving : " was found in your favor and all identified unauthorized transactions totaling {$1600.00} were permanently credited to the account and would be reflected on the XXXX XXXX, 2017 billing statement. '' It is XX/XX/XXXX. There has been no {$1600.00} credit yet. When can I expect these disputes to be refunded? I need more up to date information about resolving this. <P/>XXXX XXXX

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

I don't know this company at all and do not owe them any debt as I have NEVER done business with them. They aren't even licensed to collect in the state of Tennessee. They should have never contacted me at all trying to get my social for verification of debt they should be able to prove without a doubt if I allegedly " owe '' them.

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. XXXXXXXX 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 or 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.

I would like Full Validation on my parent student loans. How much is owed. Where was the money applied to and why are there extra charges.

I have new and updated information this is NOT credit repair. This is me, XXXX XXXX XXXX. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) - I have requested and I quote the descriptions of the procedures of the reinvestigations under the FCRA into each of the following account and entries furnished on my consumer report, that were verified as accurate. Early Warning Services has had ( fifteen ) 15 days from receipt Certified mail # ( XX/XX/2022 @ XXXX ) XXXX XXXX XXXX XXXX XXXX Green Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX The fifteen days are up. Early Warning Service has not answered my demand in accordance w federal law in providing the descriptions of the procedures of the reinvestigation within 15 days pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and as such the following entries must be removed as they can not and have not been verified as accurate. XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX Attached is my previous complaint and the response from Early Warning Services

As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : DEPTEDXXXXXXXXXXXX-Balance {$6800.00} DEPTEDXXXXXXXXXXXX-Balance {$7700.00} DEPTEDXXXXXXXXXXXX-Balance {$0.00} DEPTEDXXXXXXXX***-Balance {$0.00} XXXXBalance {$0.00} DEPTEDXXXXBalance {$0.00} DEPTEDXXXXXXXX**-Balance {$0.00XXXX DEPTEDXXXX-Balance {$0.00} DEPTEDXXXX -- Balance {$0.00} XXXXBalance {$0.00} XXXX XXXXBalance {$0.00XXXX DEPTEDXXXXXXXX-Balance {$0.00} XXXXBalance {$1000.00} XXXXBalance {$0.00} XXXXBalance {$0.00} US DEPT EDXXXXBalance {$12000.00} US DEPT EDXXXXBalance {$7600.00} US DEPT EDXXXXBalance {$4000.00} US DEPT ED-XXXXBalance {$12000.00} US DEPT EDXXXXBalance {$1700.00} US DEPT EDXXXXBalance {$4000.00} US DEPT ED-XXXXBalance {$3200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$360.00} US DEPT EDXXXXBalance {$13000.00} US DEPT EDXXXXBalance {$370.00} US DEPT EDXXXXBalance {$1900.00} US DEPT ED-XXXX {$1200.00} US DEPT EDXXXXBalance {$750.00} XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00}

Two checking accounts were opened under my name on XX/XX/23 at Regions Bank. One ending in XXXX and XXXX

We are paying over the Minimum payment each month and the overage is not being applied to the account ( Cash Advances ) with the higher Interest rate, currently 26.240 %. Instead, Wells Fargo is applying the overage payment to the lesser interest rate account ( Purchases ) 11.490 %. Consequently, I'm paying off the lower interest account faster, however the higher interest account is just piling on more interest and not getting paid off at all. In essence, I'm incurring more debt. I have contacted the bank via phone XXXX on XX/XX/XXXX to rectify the problem. I spoke with a representative, XXXX and then XXXX. XXXX put in a request for a Case Manager to contact me back via phone or email. Case # XXXX Wells Fargo Bank sent me a letter dated XX/XX/XXXX stating that " According to the Wells Fargo Business Credit Card Customer Agreement , payments and any credits to your Account will be applied in the order determined by the Bank at its sole discretion. Generally, payments are first applied to Bank Fees and Finance Charges then to the lower interest rates and then to balances with higher interest rates. '' Letter is signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX. This seems to be in direct violation of The Credit Card Act of 2009.

Transunion and XXXX have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my XXXX.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$22000.00}

XX/XX/XXXX later night ( can be XX/XX/XXXX AM time ) I was working as XXXX XXXX when XXXX of XXXX stole my phone where was all my information and all my bank cards. I stoped another car and asked to call police for me. they showed up. explained everything and we opened a case. XX/XX/XXXX as soon bank opened I went to Bank of America office ( address : XXXX XXXX XXXX XXXX, NY XXXX ) and spoke to 2 bank employee ( names : XXXX XXXX and XXXX XXXX ). They checked my account and was no any transaction in my account. They told me i was totally fine and i do not need to worry. Right after my visit I got message that money ( approximate {$3000.00} XXXX transaction ) from my account was transferred to someone. When I went back to BANK and ask them how that happen. they told me it was done by XXXX transfer and gave me customer service number. i file a claim and received email from them THAT as it was done by XXXX online there is nothing they can do. I do not know what to do and who can help me out. as Bank do not take any responsibility even i went and told them to protect me. As per bank employee XXXX XXXX if needed she will confirm everything if needed. If needed can get proof from police that i file it rather away. Please help. Thanks, XXXX XXXX

I recently tried to obtain a secured credit card from Navy Federal CU to re-establish my credit. I filed a XXXX XXXX XXXX XXXX and it was XXXX in XX/XX/2022. I have an account with them and the debt on that account was XXXX in a bankruptcy. It was told to me that they would not use any XXXXXXXX XXXX against the decision but that is exactly what was done, and I get a reminder of it every time I go on my account with a big red notice.

I am aware that Midland Credit Management has violated my federally protected consumer rights which has caused me anxiety, mental anguish, defamation of character and my reputation. I received a letter in the mail from Midland Credit Management stating that I owed a debt of {$610.00}. Pursuant to 15 USC 1692b ( 2 ), a debt collector can not state that such consumer owes any debt. A debt collector pursuant to 15 USC 1692a ( 6 ), means any person who uses any instrumentality of interstate commerce or the mails in any business the. principal purse. of which is the collection of any debt, or who regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant to 15 USC 1692c, I never gave Midland Credit Management prior consent to communicate with me regarding any alleged debt. Pursuant to 15 USC 1692a ( 7 ), I never gave Midland Credit Management the authorization to obtain my location information which lets me know that pursuant to 18 USC 1028, Midland Credit Company possessed an authentication feature with the intent such authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used which constitutes to fraud pursuant to 18 USC 1028A . Pursuant to 15 USC 1611, Midland Credit Management is criminally liable for willfully and knowingly giving false and inaccurate information to me regarding the alleged debt. Pursuant to 15 USC 1692e ( 2 ) ( a ), Midland Credit Management gave a false representation of the amount that they say I allegedly owe.

To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX XXXX account # XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.

XX/XX/2021 I SENT A LETTER TO CREDIT ACCEPTANCE ASKING THEM TO UPDATE MY CREDIT INFORMATION. I PAID AND SETTLED A PAST DUE BALANCE IN XX/XX/2021. I HAVE ALSO SENT THIS INFORMATION TO XXXX BECAUSE IT'S SHOWING A OPEN ACCOUNT. PAST DUE WITH A BALANCE OF OVER 12,000 THEY STILL HAVEN'T UPDATED THE REPORT. XXXX SAID IT CAME BACK VERIFIED. HOWEVER CREDIT ACCEPTANCE SENT ME A LETTER BACK SAYING THEY DON'T HAVE ENOUGH INFORMATION. BUT COUNTUNE TO REPORT INACCURATE INFORMATION ON MY REPORT.

XX/XX/2021 This company is call tracing and calling everyone involved with me. They are not even letting me get into my account and may have sold it off with out reason or notice. Due to Covid and life events, I am having by alot of trouble making ends meet and they are no where to be found. People have so many XXXX and XXXX complaints online. They stopped using my file number or accepting payments and I needed to make arrangements or even questions the validity of the debt.

Recently requested a credit line increase on one card. Was denied and when I called in for more information was not given any information or help. I proceeded to explain to the customer service representative that I might consider closing the account if there was no possibility for a credit line increase. At this point the phone conversation was immediately disconnected. I logged onto my account soon after to find my account had been closed without any of my proper consent and the customer service representative now says that I authorized the closure of the account when I never did. In short, expressed an interest in closing an account, was immediately disconnected and my account was closed without my consent.

In XX/XX/XXXX I was in process of planning a relocation from XXXX , XXXX to XXXX , XXXX for a new job. At that time my car insurance was with XXXX XXXX . I decided after inquiring to cancel XXXX XXXX insurance in XX/XX/XXXX d ue to rate increase moving to XXXX to go with another insurance company. XXXX XXXX processed a cancellation credit to my account on XX/XX/XXXX . The company then sent me a bill for {$170.00} i n XX/XX/XXXX . I inquired as to what the amount was for and after being explained what this was for I paid the {$170.00} on XX/XX/XXXX . In XX/XX/XXXX , I rec eived a collection notice from Credit Collection Services XXXX XXXX XXXX , XXXX , MA XXXX . This notice was to collect a debt for XXXX XXXX Policy number XXXX . I immediately contact this company and informed them that they were mistaken this mater was paid, and sent them a copy of the bank statement showing the payment taken out of my account on XX/XX/XXXX . They informed me that they would investigate and get back too me. I had not heard anything else from them so I assumed the matter was closed, until I received another notice on XX/XX/XXXX stating the same thing. I contact XXXX XXXX who informed me that they do not know how this was turned over and the sent me a statement showing the same policy number XXXX showing the amount paid on the date I showed this collection company. I faxed all this information to Credit Collection Services on XX/XX/XXXX . On XX/XX/XXXX , this company sent me notice that my documentation was not sufficient o r applicable to adjust my account with them. They are still trying to collect on a debt that is not owed. They are continuing to harass me and damage m y credit score a nd I do not think this is right, when I have and do pay my bills on time.

On XX/XX/XXXX2017 I filed a dispute with Western Union Netspend Prepaid Card company, regarding unauthorized charges, totaling {$320.00}, on my account. There were multiple charges. I sent a letter of dispute to the card company and after 10 days, they issued a provisional line of credit for the amount of the dispute. On XX/XX/XXXX2017 I received a notice from the company stating that {$200.00} of the dispute were found to be valid charges. The notice stated that my account would be charged for the provisional line of credit. The remainder of the charges ( {$110.00} ) were found to be unauthorized and the line of credit is made permanent. I am enclosing pictures of my letter of dispute as well as the notices I received. None of these charges were made or authorized by me. XXXX of the charges that was found to be unauthorized was made to the same merchant on the same date as the charge that was found to be authorized. I have contacted my card company concerning the results of their investigation and the representative insisted that the charge was valid and that the investigation is closed and ca n't be reopened. The representative informed me there is nothing else I can do. I then requested the account be closed, which they obliged. I do not want to be charged for purchases that I did not make or authorize.

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, EXPERIAN, AND CREDIT REPORTING BUREAUS ARE ALL REPORTING FRAUDULENT CHECKING AND A CREDIT CARD IN MY GOOD NAME. I NEVER AUTHORIZED ANYONE TO OPEN THESE ACCOUNTS. I DON'T HAVE ANY KNOWLEDGE OF THESE ACCOUNTS REPORTING IN MY NAME. I HAVE DISPUTED WITH THESE COMPANIES WITH NO RESPONSE, AS WELL AS REPORTED THIS TO THE FEDERAL TRADE COMMISSION.

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

In accordance with Fair Credit Reporting Act XXXX, acct number beginning with XXXX, XXXX XXXX XXXX ( date opened XXXX. XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX date opened XXXX XXXX, XXXX ), acct number beginning with XXXX XXXX XXXX XXXX XXXX ( date open XXXX XXXX ), acct number beginning with XXXX XXXX XXXX XXXX ( date XXXX XXXX XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date opened XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX XXXX acct number beginning with XXXX ( date XX/XX/XXXX ) XXXX XXXX ( date XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2. also states a consumer reporting agency can not furnish your acct without my written instructions.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX # XXXX

XXXX MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see XXXX letter )

My credit report shows ONE 30 day past due amount of {$79.00}. On XX/XX/XXXX I made a purchase at XXXX XXXX in XXXX, FL. I requested, at checkout, to have my account set to auto pay and that the email address on file needed to be changed from XXXX to XXXX. The checkout agent documented my account number and had me write my name and the correct email address on a piece of paper. The change of email address and auto pay never applied to the account as requested so the account was not paid automatically and the statements and alerts did not go to the correct email address. Once I uncovered that the changes were not made as requested I immediately brought the account up to date on XX/XX/XXXX from an initial payment due date of XX/XX/XXXX and paid the account in full on XX/XX/XXXX. ( 37 days passed the due date ) I called XXXX card services and they said they sent a letter to my house. I explained to them that I have been in a hotel and not been home since XX/XX/XXXX, due to travel restrictions and my need to work in essential industry. I asked them why they didn't call, and they said that was not their responsibility. I asked them why the email address wasn't changed and they said the store can only change my rewards email address and not my statement email address. ( that was not explained to me in store ). They called me back a couple days later and said that this is not their fault and would not update the credit bureaus. I am distraught that they are not making considerations with the current pandemic going on. The CARES ACT allows for people to miss payments for inability to pay due to covid-19. I can pay and have since payed the account in full, I just didn't receive my mail because I'm not home due to covid-19 and am living in a hotel since XX/XX/XXXX. I have perfect credit and this is now the only late payment on my credit score.

I have a bankruptcy on my credit file. I wro te the BK c ourt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced XXXX XXXX , XXXX , Equifa x & XXXX they just said it was verified with XXXX XXXX . I wrote XXXX XXXX and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it. The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus. XXXX XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unnamed 3rd party, co uld easily be considered false information on my credit report.

I have made several disputes for accuracy verification regarding the reported account XXXX XXXX # XXXX with the CRA, Equifax with the most recent on XX/XX/2020, resulting in a response from Equifax, this creditor has verified that the date is being reported correctly. Equifax does not say what date is being reported correctly, nor do they respond to the specific items that were outlined in my dispute on XX/XX/2020. The CRA, Equifax knows, the information in my file must be complete and accurate, and verifiable, otherwise it must be deleted. This is made clear in FCRA Sect 611. I asked Equifax to remove this tradeline because they were repeatedly reporting unverifiable information. As of XX/XX/2020, this account XXXX XXXX XXXX XXXX is missing the date of last activity, credit limit, high credit amount, charge off amount, and date of major delinquency. All of this information is required for accurate reporting. I am in the planning process of applying for a mortgage and have rights under the Fair Credit And Reporting Act that Equifax is violating. Equifax response to my dispute regarding missing information with respect to XXXX XXXX ( aka XXXX ) is that this creditor has verified that the date is being reported correctly. This is a direct response form Equifax. ( see attached ). They have completely ignored all of my disputes regarding this matter and, instead, have merely updated my report with a random reply unrelated to my original dispute. It appears that their response is a result of not providing me with proper investigation processes as required by Federal Law or a blatant fabrication. Instead of deleting the account, as required as the necessary remedy, at this point, they have instead, kept the account on my file with incomplete information.

For the second time in the last 60 days or so they have reported my account 30 days late to credit bureaus!!! My payment was due XX/XX/XXXX and they have reported my account 30 days only a week after the due date... I believe this company is doing this out of spite because I was disputing other inaccuracies on the account. I will attach copy of statement proving the account was not 30 days late!!! CFPB needs to investigate the practices of this company

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

I have mailed each bureau XXXX letters and made approx. XXXX phone calls to get this matter cleared up. They continue to report inaccurate information and I have told them I did my research as a XXXX citizen and it is illegal to report inaccurate and misleading information per FCRA. I also asked them to verify the information per FCRA 15 usc 1692g and they continue to ignore me.

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

Various information and accounts are fraudulant, opened by someone other than myself. Identity was stolen and they keep telling me the debt is mine even though my ssn was stolen

On both my Transunion and XXXX reports it is showing that I was 30 days late on my payment to my mortgage company, XXXX in XX/XX/2018 and XX/XX/2018. My mortgage is due on the XXXX of each month. My XXXX mortgage was received on the XX/XX/2018 and my XXXX mortgage was received on XX/XX/XXXX. I called XXXX and was told I was correct, but that the credit agencies had to make the correction, as it was not their mistake. I called the credit agencies and was told that XXXX had to correct it, as it was not their mistake. I then asked XXXX to please send me a letter stating the information they verbally confirmed in writing, so that I could forward to the credit agencies for them to correct. They refused, and asked me to start a dispute ALL over again. I am being run around in a circle, and I beleive this is something that can be handled quickly with a simple letter to Transunion and XXXX Please help. Thanks in advance.

I sent in a letter for validation with electronic return receipt and it was delivered on XXXX XXXX, 2016. It is now XXXX XXXX, 2016. I have not received a letter of validation. I called XXXX on XXXX XXXX, 2016 asking for the account to be removed since I did not receive validation and it 's been more than 30 days. Their response was that Diversified Consultants verified the account with XXXX on XXXX XXXX, 2016 but I still did not receive validation as I 've asked. Now I am requesting deletion but XXXX refuses saying that they will send validation in 7-10 business days. It 's been longer than the 30 day mark.

On my credit report the account rating is derogatory, i find this to be unfair. I am in collections with this account which is XXXX XXXX, I am on a payment plan with XXXX XXXX and I think the reporting should reflect that.

XXXX XXXX XXXX - ( XXXX ) XXXX Monday XX/XX/XXXX XXXX : Called to tell me I had missed a payment. I checked my records and indeed, I had missed a payment because I didn't get a statement. I promptly downloaded a copy of my statement and made the missed payment, and the current payment. Since then, they've called my mobile phone three times, they called me at work twice, and they've called my home land line twice. When they called me at work, they would not tell me who they were, so I hung up on them and XXXX the number. I sent in the payment almost 4 days ago, and I told them I would. I feel like they're harassing me and I want them to stop. I've made at least 60 payments without fail and they're not being nice.

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

I obtained a loan through skopos financial XX/XX/XXXXXXXX .I began experiencing financial hardship due to being out of work because of my high risk XXXX and right after COVID which lead to falling behind in my car loan payments.I reported this hardship to SKOPOS Financial however they charged off/ wrote off my loan as bad debt XX/XX/XXXX, and Sold my vehicle in a private auction XX/XX/XXXX with out written notice. In XX/XX/XXXX my account was sold to XXXX XXXX I disputed the account with XXXX XXXX and got it removed my credit report shortly after the debt was sold. XX/XX/XXXX SKOPOS financial bought back the debt and continued to report each month as charged off as well as reporting a balance, and monthly payment amount as if the account is still open. XX/XX/XXXX I called SKOPOS and spoke with XXXX from the customer advocacy department and requested for the false information to accurately updated to all 3 credit bureaus. I also spoke with XXXX in the kids mitigations department and requested a copy of the written notice of sale, deficiency letters, and bill of sale for my vehicle that was auctioned off. I was provided a false written notice of sale because it was never received and 2 different deficiency letters which initialed 2 different amount my vehicle was sold for and 2 different balances owed. XX/XX/XXXX the information still hadnt been updated so I disputed the account with all 3 credit bureaus and requested for the account to be deleted due to SKOPOS continuing to report inaccurate information. After the disputes were completed the credit bureaus verified the information as accurate and are continuing to report inaccurate information even though when I spoke to XXXX from SKOPOS she agreed that she would update the inaccurate information. This inaccurate reporting has traumatically affected my credit preventing me from being able to obtain any new lines of credit, car loans, open ended loans, and rental properties. This completely goes again and violates my FCRA rights

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

I hope this message finds you well. I am writing to formally request the removal of an unauthorized credit inquiry that appears on my account. The inquiry in question, made on XX/XX/XXXX and XX/XX/XXXX was not authorized by me and therefore should not be reflected on my account. I understand the importance of accurate credit reporting and compliance with the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any credit inquiry must be authorized by the account holder, which is not the case with this particular inquiry. As such, I kindly ask for your immediate attention to this matter. Please initiate an investigation into the unauthorized inquiry and take the necessary steps to remove it from my account. I also request that you provide me with written confirmation once the inquiry has been successfully removed, as this will help ensure the accuracy of my credit report. I appreciate your understanding of the urgency of this issue and your commitment to resolving it in a timely manner. Thank you for your prompt attention to this matter. I look forward to your timely response.

For the past two years, I have consistently been given incomplete information about the terms and payment method on a {$4000.00} XXXX loan that I received through a financial aid advisor at the University XXXX XXXX - XXXX in XXXX of XXXX. Due to my loan servicer 's mishandling and the actions of staff at XXXX. XXXX, I have missed two payments, and that has unfairly impacted my credit score. When I received the loan, I was never given a hard or digital copy of the terms of it or the name of the company that would be servicing it. I was told I could manage payments on it through the XXXX XXXX XXXX XXXX, which is how I managed my other federal loans. After I received my XXXX XXXX XXXX in XXXX XXXX, I deferred payment on my federal loans as I searched for employment. On XXXX XXXX, XXXX I received an email from XXXX XXXX at XXXX. XXXX 's XXXX XXXX XXXX XXXX, XXXX 's XXXX. The email incorrectly referred to me as XXXX XXXX ( that is not my name ) and informed me a payment on my {$4000.00} XXXX loan was past due. At the time, I was under the impression that the loan had been deferred, along with my other federal student loans and I was frustrated that this was the first time I was receiving a notice via email that a payment was due. XXXX XXXX aplogized for mis-naming me, but told me that my loan servicer on the XXXX loan was XXXX XXXX, and that was different than the company that was servicing my other federal loans, which is XXXX. He said I could n't defer payment. I told him I was frustrated that this was never explained to me when I took out the loan, and I would have never missed the payment had I been informed at the outset, or had I properly received a notice - via email or letter - letting me know when a payment would be due. I paid the past-due balance immediately and I set up a monthly payment plan. For over a year, I 've made monthly payments on time. On XXXX XXXX, I received a notice that XXXX. was changing its loan servicer from XXXX XXXX to Heartland XXXX, and the notice said I was required to create a new account with Heartland XXXX and set up payments through that company. I followed the directions, but Heartland XXXX has not provided me with regular notices of when a payment is due. As a result, I missed one payment, and that impacted my credit score. Heartland XXXX also charges a debit card processing fee that is 3.95 % of my payment amount, plus {$1.00}, for using a debit card to make one-time payments. I believe that is unfair and violates usury laws. I 've been extremely frustrated with the way the loan servicers and XXXX. XXXX have handled this particular loan. Since my other student loans are held by XXXX, I 've seen there are better ways to inform borrowers of the terms of their loans and when payments are due. Their poor business practices have repeatedly caused me unnecessary emotional distress, they have unfairly impacted my XXXX XXXX and they have unfairly charged fees for processing payments. I have copies of all of my email communications with XXXX XXXXXXXX, XXXX and Heartland XXXX and can provide them if requested.

Transunion has a XXXX XXXX account on my reports from XX/XX/2013. This account does not belong to me. Transunion is the only credit bureau report this inaccurate account on my report that is hurting my credit score drastically.

My accounts with this company has been paid in full as of XX/XX/2020. These are accounts are still showing open on my credit report. I asked the company to remove these accounts. I was told the will at the earliest send them with their XXXX reports to the bureaus.

DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM SPEEDY CASH. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR SPEED CASH. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME. I TRIED TO REACH OUT TO SPEED CASH, BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.

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

I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

I have submitted a request to my loan servicer Utah Higher Education Assistance Authority for income based repayment by faxing an IBR request form to them. The Utah Higher Education Assistance Authority has not acknowledge receipt of the request and is still claiming I have a delinquent balance. I want UHEEA to honor my request and check my elgibility for income based repayment.

OnXX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laptop Computer from XXXX. The order number is XXXX. The amount of the order is {$370.00}. When the laptop was delivered, I immediately saw that it was not the laptop I ordered so I contacted XXXX and arranged to return the laptop for a refund. I requested the refund to be made to the original form of payment, an XXXX XXXX XXXX through Chase Card Services. I received an email from XXXX on XX/XX/XXXX indicating the refund had been processed. The email did not indicate it had been processed in the form of a gift card. I did not realize that had happened until a few days later when I placed another order with XXXX and belatedly saw that the amount had been debited to a gift card. My thought was, " What gift card? '' and only when I investigated did I learn what had happened. On XX/XX/XXXX, I contacted XXXX 's customer service department via their online chat system and explained what had happened and asked that the remaining balance of the gift card XXXX {$320.00} XXXX be applied to the balance of my XXXX XXXX. I have since ordered another laptop directly from XXXX, I do not need an XXXX gift card in such a large amount, and that initial charge of {$370.00} will continue to accrue finance charges, costing me additional money for an item I do n't have, all the while it remains on the card. I was shuffled around to ten different customer service representatives, some of whom were outright rude, and all of whom told me that they could not fulfill my request. When I asked for a copy of the policy supporting their decision, they refused to either send it to me through email or to tell me where I could locate it on their website. I have made a thorough search of the policies on the website and I can not locate it. When I asked for the name and title of someone I could call and speak with directly, they refused to provide that as well. This seems to be to be a very deceptive credit card practice. I believe that if XXXX is going to make a refund to a customer in the form of a gift card, the customer should be notified and have the opportunity to object in advance. Thank you.

I had opened my mortgage account with XXXX in XX/XX/2019, which was later transferred over to LoanCare in XXXX. During the transfer, my account number changed and I was not notified about this. While the XX/XX/2019 payment posted there was an issue with the XXXX payment. I only figured this out when I logged into my account online and it showed a past due payment. When I called to investigate I was told my payment never posted. I had to figure out myself that the account number had changed. So I resent the payment with the correct account number. I was assured that since this occurred during the transfer process, no late fees will be assessed and also that this 30 days past due payment issue will not be reported to the credit bureaus. Much to my chagrin, this exactly what happened and my credit score dropped by 94 points in XX/XX/2019 ( XXXX in XXXX to XXXX in XXXX XXXX. I raised a dispute over email, which took more than 2 months for them to look into. Their customer service number never reaches and agent so I wasn't able to discuss with any one in person. Not being able to ever reach and agent is a very frustrating experience. I finally received a response by mail that stated they have completed their investigation and find that their reporting was accurate. No explanation. I am unwilling to accept this. I disputed this again and this time there is no response after I waited for 2 more months. This staying on my report is hampering my ability to refinance my loan with another lender at more favorable terms. Lender : Loancare LLC ; XXXX Account number : XXXX

Complaint against PNC Bank. Part one PNC Bank Failed to check if contract valid, and failed to block the illegal charge after I requested, which caused me {$1100.00}, possible {$1300.00} loss. My son and me signed up membership of XXXX XXXX XXXX XXXX, MD, in XXXX XXXX with a monthly payment of {$79.00}. They asked my PNC bank account information to directly charge my bank account in order to get discount. ( See the agreement/contract ). I didnt know the risk of being charged by XXXX XXXX without my consent. In XX/XX/XXXX, the club was closed due to Covid 19 pandemic emergency, and froze all membership. On XX/XX/XXXX, I received an email notice from XXXX XXXX XXXX, saying that they would reopen on XX/XX/XXXX. Because I was close to XXXX ages old, high-risk group to Covid-19, I didnt want to take risk. I sent request to XXXX XXXX immediately, asking to keep my account frozen. I received the confirmation email from XXXX XXXX XXXX on the same say ( see XXXX XXXX confirmation of receiving my request ). In order to avoid XXXX XXXX continuing charging me, I checked my bank account for the following 6 months, didn't see new charge from XXXX XXXX, I stopped checking. However, XXXX XXXX, XXXX, I was shocked to find that XXXX XXXX XXXX had charged me without notice on my PNC bank account since XXXX, XXXX, 18 months ago, {$1400.00}, plus {$69.00} charge on XX/XX/XXXX, total amount is {$1500.00} ( see XXXX XXXX illegal charges from XXXX, XXXX to XXXX XXXX ). The {$190.00} is not included, I will explain later. I immediately called XXXX XXXX XXXX XXXX, asked why they charged me without notifying me? The front desk man told me that the frozen account would be automatically unfrozen in 3 months, which is not completely right ( See Inactive term in agreement/contract ). I told him that it was still in pandemic emergency, you cant force a normal agreement. He asked me to send email to XXXX, I did, and also sent email to XXXX, asked " stop charging and refund my money ''. ( see emails of asking to stop charging and refund my money ). XXXX XXXX, XXXX, I called PNC bank, reported what happened and asked PNC to block the payment to XXXX XXXX. PNC bank representative told me that PNC bank would do investigation, needing about 10 days. The lady of PNC bank put the rest 18 payments on dispute, but missed an extra {$69.00} charge on XX/XX/XXXX, which allowed XXXX XXXX to charge me {$190.00} on XXXX XXXX, XXXX illegally again ( See XXXX XXXX illegal charges from XXXX, XXXX to XXXX XXXX ). I sent a follow-up email to XXXX on XXXX XXXX, XXXX ( see follow-up email on XXXX XXXX, XXXX ), I pointed out that we are still in pandemic emergency ; I never received any notice from XXXX XXXX about unfreezing my account ; I was one month to XXXX XXXX XXXX when XXXX XXXX reopened my membership without notice ; you received government aid, which is not allow you to force seniors back to take risk. In this email, I asked to cancel my membership too, XXXX XXXX did send an email on XXXX XXXX, XXXX for leaving XXXX feedback ( see After cancellation, XXXX sent a survey email ), which indicates that my membership was cancelled. All the above information I reported to PNC bank by phone and by email. PNC bank credited 5 payments back to me, total {$390.00}, but 13 payments plus {$69.00} are not credited back, total {$1100.00} not refunded by XXXX XXXX, and not credited by PNC bank at the time : XXXX XXXX, XXXX. Because PNC bank didnt block XXXX XXXX XXXX allowed it to charge me {$190.00} on XXXX XXXX, 9 days after I called PNC bank to block XXXX XXXX on XXXX XXXX, XXXX, and 7 days after I cancelled my membership. I complained to PNC bank about this new illegal charge, PNC bank put the {$190.00} as dispute credit. I have not received the final notice on the credit, PNC bank may revoke the credit back. Then the total lost would be {$1300.00}. I am here to complain PNC bank failed to follow the laws to protect my money in PNC bank account. The reasons as follows. XXXX, PNC bank failed to check if the agreement I signed with XXXX XXXX in XX/XX/XXXX was valid when XXXX XXXX suddenly recharged me in XXXX, XXXX. When a contract payment stopped for 18 months, suddenly the business charged again, which is automatically a warning sign : is it a new contract or old contract? New contract needs to be verified with another side, old contract after 18 months no payments is still valid? Besides, Maryland law doesnt allow health club to have automatic renew clause in contract ( see attachment ). the old contract was expired according to the law, PNC bank has obligation to verify the contract valid by checking with me. But PNC bank did nothing, but treated it as valid contract, and allowed XXXX XXXX to charge me based on void contract without checking with me. In addition, even if PNC bank believed that the agreement was valid, the Inactive Term in the agreement, the cause of freezing the membership was due to the covid -19 pandemic ( normally is disability or illness, pandemic is even worse than that ), based on the Inactive term of the agreement, the cause covid 19 pandemic was still not over, and I was XXXX XXXX XXXX, XXXX XXXX would not have right to charge me without my consent and the fact that we have never gone back to XXXX XXXX after it closed in XXXX, XXXX. XXXX, PNC bank failed to block the XXXX XXXX after I reported on XXXX XXXX about XXXX XXXX illegal charges and requested PNC bank to block any charges from XXXX XXXX immediately. PNC bank didnt block XXXX XXXX XXXX allow it to charge me {$190.00} on XXXX XXXX, XXXX, which is violating the law. Part Two PNC bank put our money in active account to abandoned and unclaimed property account without checking with us. I opened my accounts with PNC bank in XXXX, XXXX in New Jersey, until today we have been with PNC bank for 20 years. My son and me moved to Maryland in late of XXXX, XXXX, my wife still lived and worked in XXXX. I opened an individual money market account under my savings some time XXXX. In XX/XX/XXXX, my wife and me went to PNC bank, XXXX, MD, to convert this account into joint account. With helped by PNC bank clerk, we showed our identifications, and filled out forms, and signed. The new joint account number is XXXX, with {$180000.00} amount. Sometime in middle of XXXX XXXX, lady from PNC bank, called me, and told me that my money market fund has no activity for long time ( 3 years ), by Maryland law, which is unclaimed abandoned property, PNC bank put the money to Government account. This shocked me. XXXX, The money market fund was just changed from single account to joint account on XX/XX/XXXX, about 70 days ago, it is a new account. Or if count as a continuing account of the individual account, how could the conversion of the account be not an activity? XXXX, Our joint checking account under both our names has been active for 19 years, about 10 or more transactions per month. Anytime, I opened my PNC accounts online, I access the checking and savings accounts in the same page. How could PNC bank treat the savings account under the same names in the same page as " Abandoned property ''? 3, I read Maryland law, the " unclaimed or abandoned property '', is the property or bank account without activity in three years or more, and bank tried all the ways to find the owner ( s ) in at least 3 months, but failed to find the owner ( s ). I have never received email, letter, or any message from PNC bank until the phone call from PNC in middle of XXXX, XXXX. All above show that PNC bank didnt follow the laws to handle our money, after I complained, PNC bank put the money back, but didnt say they did wrong in the case closed notice to me. The mishandled our money shows that PNC bank didnt follow the laws, which is a long- standing problem, not accident. Therefore, it is clear that PNC bank ignored to check the validation of the agreement ( contract ), to allow the charges from XXXX XXXX by a void contract, which is not an accident but a pattern of law violation. ( The attachment information I already sent to PNC bank by emails. If CFPB needs the information, I could provide upon request )

Equifax did not properly secure my credit report or personal information

Ive contacted the company multiple to prove the validity of the loan. This is not mine and was done with out my knowledge. The account number is XXXX XXXX # XXXX