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2018-10-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37918 | null | Consent provided | Web | 2018-10-18 | Closed with explanation | Yes | null | 3,049,817 |
2016-08-24 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | I keep getting phone calls looking for a XXXX XXXX ( not me ), and when I ask them to stop, they do n't. I got XXXX company XXXX XXXX XXXX XXXX to take me off their list, but others are calling now. A company called Convergent Outsourcing , Inc. is calling and hanging up when I pick up the phone. When I call them, I 'm out on hold to speak with someone. I told them once to remove my number, but I keep getting the hang up calls, and when I called back, I spoke with an XXXX who said my number was not in their database. | null | Convergent Resources, Inc. | CT | 06492 | null | Consent provided | Web | 2016-08-24 | Closed with explanation | Yes | Yes | 2,081,101 |
2021-01-27 | Debt collection | I do not know | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | In late XX/XX/XXXX, Midland Funding filed a lawsuit against me in XXXX XXXX XXXX Court in Arizona, which involved junk-debt purchased by them that was beyond the statute of limitations. I addressed the fact that it was past the statute of limitations with the court. In XX/XX/XXXX, I was startled to discover that a judgement had just been issued by the court on this case. This is something I was not made aware of beforehand, as is necessary with the filing of a motion for a judgement. As can be seen in the court activity which I have attached, I have always responded to the court, when I am notified. I would have then obtained an attorney, as they continued to attempt to collect on something which was past the statute of limitation. At the time, the only documentation I had received was regarding another case they had brought against me at the same court. This was also a case which was beyond the statute of limitations, which I immediately addressed with the court.
Midland Funding is a predatory company. | null | ENCORE CAPITAL GROUP INC. | AZ | 851XX | Servicemember | Consent provided | Web | 2021-01-27 | Closed with explanation | Yes | null | 4,095,879 |
2022-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mine to be removed from my credit report IMMEDIATELY. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) states that I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30038 | null | Consent provided | Web | 2022-04-27 | Closed with non-monetary relief | Yes | null | 5,505,694 |
2022-08-01 | 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 | This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for Transunion to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information Transunion present does not match with what I have! I am requesting them to stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : XXXX XXXX Late Date XX/XX/21 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11219 | null | Consent provided | Web | 2022-08-01 | Closed with non-monetary relief | Yes | null | 5,829,015 |
2020-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX, XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED/XXXX., US DEPT. OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. have all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see.
My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights. | null | EQUIFAX, INC. | GA | 30152 | null | Consent provided | Web | 2020-04-14 | Closed with explanation | Yes | null | 3,605,286 |
2022-11-25 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | IL | 604XX | null | Consent provided | Web | 2022-11-25 | Closed with explanation | Yes | null | 6,249,132 |
2020-11-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them.
I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back.
I called multiple times to remove the billing, they billed me through XXXX of XXXX, XXXX additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use.
XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WA | 98801 | null | Consent provided | Web | 2020-11-17 | Closed with explanation | Yes | null | 3,959,711 |
2022-08-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my 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, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60586 | null | Consent provided | Web | 2022-08-11 | Closed with non-monetary relief | Yes | null | 5,867,881 |
2022-12-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28081 | null | Consent provided | Web | 2022-12-08 | Closed with non-monetary relief | Yes | null | 6,300,318 |
2023-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX OF NOTICED FRUADULENT ACCOUNTS DISPUTE RESPONSE! THE XXXX credit bureaus and the company named below took more than 45 days to respond according to the " FAIR CARES ACT '' law ALL COMPANIES INVOLVED ARE NOW IN VIOLATION OF THE LAW!! NAME : XXXX XXXX XXXX Balance {$13000.00} Balance updated XXXX XXXX, XXXX Original balance {$13000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type XXXX XXXX XXXX Collection account. Status updated XX/XX/XXXX Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE! 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
ATTACHMENTS | null | EQUIFAX, INC. | NY | 11233 | null | Consent provided | Web | 2023-08-15 | Closed with explanation | Yes | null | 7,397,355 |
2023-09-07 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | Of course, here 's a combined version that includes both the extended information about various businesses and the edits you requested : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I'd like to bring to your attention a recurring issue I've encountered with multiple businesses, including XXXX Bank, BridgeCrest, XXXX, and XXXX. These businesses all process payments via XXXX direct debit, using my bank accounts at XXXX, XXXX, and XXXX XXXX.
The common problem I've experienced with these businesses is as follows : I am initially alerted that the payment has been received successfully. However, I never receive any notification when a subsequent payment is returned due to insufficient funds. Strangely, when these businesses attempt the payment again, it often goes through successfully, even though there have been no changes to my account balance. It appears that there were sufficient funds all along.
Curiously, neither my banks nor the businesses in question alert me or document the return or retry payment. This lack of communication goes unnoticed, resulting in fees being charged. Due to delays in billing and a lack of timely notifications, I was unable to verify whether the NSF ( Non-Sufficient Funds ) return was indeed valid.
This recurring issue has had a significant impact on my financial situation, and I believe it's crucial to address and rectify these problems with multiple businesses.
I'd also like to inquire about the appropriate steps and authorities to report these issues to, as I am seeking assistance in resolving this matter and preventing such incidents from occurring in the future. Your guidance and support would be greatly appreciated.
Bridgecrest has reported late payments on months that a had deferment agreement and on months were a loan payoff was being processed. My account was left as late and the last payment is undocumented. Marking closed and paid still leaves this account negatively closed and dose not explain that I satisfied the loan. I understand that months late will stay on my record but there are more then half that should not be marked. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Bridgecrest Acceptance Corporation | CA | 90029 | null | Consent provided | Web | 2023-09-07 | Closed with explanation | Yes | null | 7,507,606 |
2023-09-03 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | To Whom It May Concern I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account # XXXX This company is in clear violation of the law. Under 15 U.S.C 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give them written instructions to furnish this account on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : Is where it 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.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C 1692g violations 4. Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance ( 15, U.S.C 1681n ] Best regards, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34639 | null | Consent provided | Web | 2023-09-03 | Closed with non-monetary relief | Yes | null | 7,494,633 |
2016-03-01 | Debt collection | I do not know | Disclosure verification of debt | Not given enough info to verify debt | Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, has sent me a letter claiming I owe a debt to them. They claim XXXX XXXX as the original creditor.
On or about XXXX XXXX, XXXX I sent Midland Credit Management Inc a certified letter, return receipt requested, asking to explain and validate this debt. Though the reciept was signed and sent to me, they have not replied. Today, XXXX XXXX, XXXX, I received a letter from them requesting payment for this debt. I believe that this debt was paid in full in XX/XX/XXXX or XX/XX/XXXX. | null | ENCORE CAPITAL GROUP INC. | PA | 16509 | null | Consent provided | Web | 2016-03-01 | Closed with non-monetary relief | Yes | No | 1,809,752 |
2023-04-18 | 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 | EQUIFAX is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EQUIFAX to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EQUIFAX has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number : XXXX. XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX of the XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX with an address of XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EQUIFAX is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER REPORT. | null | EQUIFAX, INC. | TX | 75089 | null | Consent provided | Web | 2023-04-18 | Closed with explanation | Yes | null | 6,855,938 |
2023-02-28 | 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 ACT XXXX BANKRUPTCY XXXX XXXX ACCT # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 14612 | null | Consent provided | Web | 2023-02-28 | Closed with explanation | Yes | null | 6,624,572 |
2022-03-09 | 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 | 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/2022. And now we are in the month of XX/XX/2022 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 152XX | null | Consent provided | Web | 2022-03-09 | Closed with non-monetary relief | Yes | null | 5,301,892 |
2022-01-31 | 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 | This is a clear pattern, every time I am close to reaching an 800-point credit score EXPERIAN finds a reason to drop my score for no valid reason! Experian dropped my credit score XXXX points when someone tried to steal my identity, another XXXX points when I complained to the CFPB, XXXX points when I paid off my debt and a zero percent usage percentage. And now after paying off a {$190000.00} mortgage Experian raised my score XXXX POINTS! I hope the CFPB can see that there is a problem with this XXXX company and takes action to do something!!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DE | 198XX | Older American | Consent provided | Web | 2022-01-31 | Closed with explanation | Yes | null | 5,167,284 |
2021-11-15 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | On XX/XX/XXXX, I received an email offer from PayPal to get its PayPal MasterCard. The offer indicated " for the first 90 days after account opening, earn a total of 4 % cash back on purchases when you apply and are approved through this email by XX/XX/XXXX. '' On or about XX/XX/XXXX, I applied for the card, was promptly approved, and received a card shortly thereafter.
I used my new PayPal MasterCard frequently and earned the maximum bonus reward of {$200.00}. While the offer does indicate to " please allow up to 1-2 billing statement cycles after the promotional period ends for your bonus cash back to post to your PayPal Cashback Mastercard account , '' I have yet to receive the bonus and its nearly 4 months after the promotion period ended.
On XX/XX/XXXX, I contacted PayPal MasterCard customer service to inquire about my bonus award. The agent apologized, indicated that it would be investigated and resolved quickly. The agent offered a {$10.00} statement courtesy credit for the delay in providing the reward.
On XX/XX/XXXX, I contacted PayPal MasterCard customer service again to inquire about my bonus award. The service agent ( " XXXX '' ), spoke with his manager, indicated they would send a note to the " Rewards department '' to investigate and that I should hear from someone within 15 days to get my rewards bonus.
On XX/XX/XXXX, I received a form letter from PayPal MasterCard which provided generic information about the rewards program, but nothing specific about my issue. I contacted PayPal MasterCard customer service again to inquire about the form letter and check on the status of their processes. The service agent ( " XXXX '' ) apologized and indicated that the form letter was a mistake. She mentioned that the previous agent indicated I made a charge dispute and it's been resolved, but that's not the issue at hand. I was transferred to a supervisor who admits PayPal makes the offer, but Synchrony ( the bank issuing the MasterCard ) doesn't always get promotional offer details. The supervisor indicated there was no record of which offer was on my account and asked me to upload a screenshot of the promotional offer they sent to me. Sad that I have to provide the company with the offer they sent me, but I did have a copy and was able to do it. The agent commented that if validated, they'll include an additional {$190.00} owed since they already provide {$10.00} as courtesy credit due to slow fulfilment. I reminded the agent that the {$10.00} was a courtesy for their slow fulfillment, not a down payment and that PayPal owed me the entire {$200.00} bonus reward.
On XX/XX/XXXX, I receive an electronic notification that mentions my request has been processed, but doesn't describe any resolution. In addition, the message contained an error in the offer date mentioned.
On XX/XX/XXXX, I contacted PayPal MasterCard customer service again to inquire about resolution. I spoke with a service agent ( " XXXX '' ) who confirmed that the issue has been resolved in my favor and that I should expect to receive the {$200.00} cash back soon. He also agreed that many customers complain that the their letters aren't clear.
It's now XX/XX/XXXX, nearly four months after the end of the promotional offer, and I have neither received written confirmation of the resolution nor have I actually received the promised {$200.00} bonus cash back. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | OH | 43054 | null | Consent provided | Web | 2021-11-15 | Closed with monetary relief | Yes | null | 4,911,488 |
2018-11-09 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I am not doing this again. I was XXXX around by XXXX board of Directors over a consumer products safety recall and decided to get a new washer because I could not tolorate the situation. I needed a longer drain hose for my XXXX XXXX XXXX XXXX washer and found out there was a safety recall on the washer. I had been emailing XXXX board of directors XXXX around told they sold to XXXX and that XXXX was no longer in the applaince Business. XXXX sent me back to XXXX. XXXX board of director assigned XXXX and was not resolving recall. I had no way of knowing that Home Depot would charge me for the wrong washer I never received after spend hours the next day in the store to fix this and Citibank N.A. locked me out of the credit card account to cover up with home depot not fixing this for two hours in the store when I got home wanting to know what I was charged for and credited. Citibank made me pay XXXX at the store saying my credit was tied up in cancelled worng order XXXX washer.XX/XX/XXXX home depot delivered defective washer and employee beat my existing gas dryer for saying the control panel was loose on washer delivered. In teas I call Home Depot Corp. XXXX tells me that I can not go anywhere in CA. and avoid XXXX despite what brand applaince. XXXX XXXX at home Depot lies. I received another defective washer XX/XX/2018which is against the law. Citibank N.A. ethic has case numbers and filed complaints. I am not taking any more lies from HOME DEPOT, not more lies. I received no credit and they never paid for my washer and thought they could trick me into signing up my rights as a consumer and carried this scam out with false statements and schemes carried out by Citibank N.A. much like the illegal lock out on the HOME DEPOT credit card account to defraud me as a consumer. I do not have to take XXXX dollars because I made not that I am not giving up my rights. HOME DEPOT store is refusing to give me a non defective XXXX washer that I have been paying for over two months now. This started in XX/XX/2018. It is against the law to knowingly and willfully conspire to deprive any person for the rights. HOME DEPOT and Citibank N. A. are tyring to make me suffer a XXXX. They are aware that I have received two defective washer and could not leave my doctor because of severe XXXX XXXX XXXX over severe consumer abuse and fraud inflicted on me. I have no XXXX XXXX XXXX. They are tryign to keep me upset in tears and pull schemes to cheat me. I have reported this corruption and deceit to various agencies. As well as high ranking officials. The second time they hid the defect which is marked internal because of the severe defect. This is illegal. They are giving consumers known defects and lying. I received and will not take any money from HOME Depot. NO one is stupid enough to take XXXX and pay for a defective new washer and damage to their costly gas dryer. I had no home to live for a year. Various governmental agencies are aware of my frail situation severely abused by Home Depot and Citibank N.A. lying for home depot. Home Depot twist things and given HOME DEPOT documents to use against me and lie. They told the store I got a free washer when the credit was for the worng washer never delivered. I made note of the defect and damage done on XX/XX/2018 that left me in tears. There are finger prints and other evidence. XXXX has visited me and returned MS. XXXX HOME DEPOT scam envelopes to pull a fast one on me. I wrote that I am not giving up my rights. I have a right to promptly have a no defective washer and my damage dryer replaced free from schemes to pick of a ill frail person that has suffered non stop. This changes daily due to Ms. XXXX lying and deceit. There was no kind gesture. MS. XXXX will not follow the consumer alws. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 90621 | null | Consent provided | Web | 2018-12-10 | Closed with explanation | Yes | null | 3,070,185 |
2022-02-16 | Vehicle loan or lease | Loan | Struggling to pay your loan | Lender trying to repossess or disable the vehicle | I purchased a vehicle on XX/XX/XXXX. My first payment was due XX/XX/XXXX in which case I was unable to make in time due to COVID. My check wasn't enough to cover. Between XX/XX/XXXX - XXXX there was no communication from the bank or dealership payment being late was a problem. I received no calls/voice mails from either party. XX/XX/XXXX I contacted the bank because I was contacted by the dealership. Was told the bank had been trying to contact me. I explained to the dealership there was no missed calls/voice mail. Called the bank to inquire why I wasn't contacted until the dealership contacted me if there was any issue. I was made aware that my loan was under review. I asked how long will it be under review until a decision is made. No answer provided by XXXX. I requested to speak with a supervisor about no calls and needing a better due date. XXXX ( supervisor ) never returned my call to discuss the matter at hand. XXXX days later I made my payment at XXXX as instructed. I was told I couldn't use their online services. I called them with confirmation number. A week later I received a text from dealership asking me to come in the discuss the loan which seemed odd. I looked for my contract at this point because I was told this bank didn't offer grace periods which wasn't explained at the deal nor was the contract in my possession to know this info. The contract was NEVER given to me yet the extended warranty was. I was then told financing me through another bank would happen. I would need a cosigner. I provided one. I contacted the bank again. Requested to speak with a sup. and XXXX who I was connected with. The same sup that never returned my original call back request BEFORE any decision was made w/ the review and payment was made. He was EXTREMELY rude. Could not provide a number the bank was calling me from so I could check my call logs. He then provided XXXX. That number provided was not in my call log nor my scam calls log. I tried explaining this. I was then told they couldn't contact my references because none was provided. The dealership did not request any references. I asked why did they call the dealership and not me and XXXX responded we don't call the dealerships. After providing the cosigner there was no communication between myself or the dealership for XXXX days and then I was suddenly told on XX/XX/XXXX I had to return the car. There was nothing he could do. I asked if the reporting of the first payment being delinquent was the issue. I've yet to receive a straight answer. I've requested of the bank contact and I still haven't received that either. I have several screenshots of communication between myself and the dealership. My down payment is to be returned or partially if a bank isn't going to approve me I have sent proof to the dealership of my call logs as well to prove no calls were made to me at all. I asked XXXX to let me speak to his supervisor. Still no call from his supervisor. I was also told that reps email requests to supervisors if needed by cust. XXXX said he never received email from XXXX. He also said that maybe his area mngr contacted the dealership because the department he works in doesn't. I requested to speak with the area mngr. Was denied request. As of today I'm still w/o a contact or return call from XXXX supervisor . I provided XXXX screenshots but have several more to provide including call logs | null | United PanAm Financial Corp. | PA | 150XX | null | Consent provided | Web | 2022-02-16 | Closed with explanation | Yes | null | 5,228,075 |
2019-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XX/XX/XXXX I was a patient in the XXXX at XXXX XXXX XXXX.
I later received four different bills, one each from XXXX, XXXX x2, and attending physician XXXX XXXX, all of which were billed to my insurance company, XXXX, and the copay portion to me and paid by me promptly.
On XX/XX/XXXX I received an invoice for {$200.00} from XXXX XXXX, XXXX on behalf of XXXX XXXX. The invoice indicated that this amount was my responsibility, and I promptly paid the total amount of the invoice with {$0.00} balance. ( See attached copy of invoice as well as copy of my credit card statement showing payment made. ) On XX/XX/XXXX, Wakefield and Associates, instructed by XXXX XXXX, XXXX, wrongfully placed derogatory collections on my credit report in the amount of {$640.00}.
I hereby demand that XXXX XXXX XXXX and Wakefield and Associates immediately remove this amount from my credit report that I do not owe, as I have paid in full the amount that I was billed by their client, XXXX XXXX. | null | WAKEFIELD & ASSOCIATES, INC. | GA | 30087 | null | Consent provided | Web | 2019-04-18 | Closed with explanation | Yes | null | 3,215,712 |
2021-10-23 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | On XX/XX/XXXX, I paid my credit card balance off in full. Previous to this date I paid my card on time every month. On XXXX, I was hit for a finance charge of XXXX. Given that my card was paid off, I should not have acquired this charge. I was not notified of a balance due through mail or by phone and was not aware of a charge until earlier this month after purchasing a vehicle. I then paid XXXX and sent an email immediately to my company apologizing and asking them to waive the fee. I then went to purchase an item yesterday and found out I have been reported to the credit bureaus for being 90 days past due on my account. I immediately called my credit company to find out what I could do to resolve this. After looking further into this I found I was hit with 2 late fees and interest accrued to XXXX. I was told by the supervisor there was nothing I could do. I am stuck with a ding on my credit report after being charged a finance charge on a balance that I had previously paid off. | null | Bread Financial Holdings, Inc. | CO | 80538 | null | Consent provided | Web | 2021-10-23 | Closed with explanation | Yes | null | 4,837,522 |
2019-08-05 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | Zwicker & Associates, P.A. filed a lawsuit stating XXXX XXXX is the Plaintiff, with me being Defendant for a debt I do not owe. In XX/XX/2010 I paid XXXX in full, {$8000.00}, I have record from my credit union as well as a credit report with a reported XXXX balance due. XXXX continued to report a balance and we disputed, then charging off/writing off their so called balance. This debt went to three other debt collection agencies and none of them could prove we owed debt either. Zwicker then purchased it.from one of the collection agencies. Many phone calls from this company that were threatening both to myself and my family. They then filed a lawsuit for a balance of {$1600.00}, we have asked numerous times for debt validation, explanation of why the balance is {$1600.00} and proof that XXXX still owns this debt after charging off on their books and writing off for profit and loss and receiving a tax break for it. Zwicker & Associates have been in direct violation of my rights both state and federal breaking numerous FDCPA laws with their bullying and unethical tactics.We are waiting for mediation in which Zwicke & Associates has cancelled twice, I'm assuming after reading my answer to suit which they wetre n't expecting. | null | ZWICKER & ASSOCIATES | TX | 759XX | null | Consent provided | Web | 2019-08-05 | Closed with explanation | Yes | null | 3,330,505 |
2018-02-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | payments were missed and put on credit report.
every time i missed a payment i was in hospital sick and unable to work in the moment - I have XXXX XXXX that puts me in the hospital a lot where i get sick easy and spend time in there. Asked to be fixed cleared on report due to inability to pay and wasnt fixed saying it was accurate. | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 34787 | null | Consent provided | Web | 2018-02-20 | Closed with explanation | Yes | null | 2,819,832 |
2022-03-05 | 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 | On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | TX | 78626 | null | Consent provided | Web | 2022-03-05 | Closed with explanation | Yes | null | 5,289,543 |
2022-01-08 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | ARS Account Resolution has reported a collection account to my consumer credit file.I do not owe this alleged debt! This is a legal matter and a letter of protection was placed on this account in XXXX of 2019 by my attorney XXXX XXXX. Second, ARS Account Resolution HAS NOT SENT any written notice of collection to me at all. ARS Account Resolution is violation of the FDCPA! If ARS Account Resolution has the right to collect in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS INCLUDING THE LEGAL LETTER OF PROTECTION stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which ARS Account Resolution has reported to my consumer credit file. ARS Account Resolution has no legal right to attempt to collect a debt as this does not belong to me. Again, ARS Account Resolution has not validated this debt nor sent me any notice of collection | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HCFS Health Care Financial Services, Inc. | TX | 77379 | null | Consent provided | Web | 2022-01-08 | Closed with explanation | Yes | null | 5,085,357 |
2023-06-20 | 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 Account numberXXXX Account name : XXXX Account number:XXXX Account name : 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. | MI | 48146 | null | Consent provided | Web | 2023-06-20 | Closed with non-monetary relief | Yes | null | 7,144,998 |
2021-12-21 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I reached out to TransunionXXXX XX/XX/21 and XX/XX/21 to inform them a. That the XXXX XXXX XXXX account that they have listed is not valid and to request how they've determined the validity of this account.
I'm now filing a complaint because TransunionXXXX continues to infringe on my consumer laws and is in violation of federal laws. I continue to ask for PROOF of how they continue to keep this invalid account on my report and how they are validating it. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I'm required to know how they've validated the account whichTransunion/Equifax has not provided me the requested info.
Here is the law that specifically states I'm required to receive the information that TransunionXXXX has received to prove the account is valid.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or areseller
in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from theconsumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
*Here 's the exact law.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from theconsumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
I never gave anyone the authorization to add anything to my credit report. Nor do I have knowledge of this account. Due to permissible purposes and according to FCRA 15 U.S. Code 1681b ( 2 ) they have no rights by law to place anything on my credit report. And. are in violation of my rights. Each violation is fined by {$1000.00}. Unless these items are corrected, I will be p
ursuing financial remedy.
I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91303 | null | Consent provided | Web | 2021-12-21 | Closed with explanation | Yes | null | 5,030,105 |
2023-04-07 | 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 | I want to submit a complaint in my personal credit report information that is questionable. I was never late on these accounts. It has been deferred because I'm still in school. Also, how can it be 90 days late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record in all accounts listed below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75154 | null | Consent provided | Web | 2023-04-07 | Closed with non-monetary relief | Yes | null | 6,802,572 |
2019-04-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX and XXXX XXXX XXXX are reporting a debt on my credit file I do not owe. Not only do I not owe this debt, they are double reporting on my credit file! This is in clear violation of the FCRA ACT LAW and needs to be removed off my credit file. | null | EQUIFAX, INC. | UT | 84119 | null | Consent provided | Web | 2019-04-11 | Closed with non-monetary relief | Yes | null | 3,209,704 |
2023-06-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In accordance with the Fair Credit Reporting act they violated my rights.
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10469 | null | Consent provided | Web | 2023-06-27 | Closed with explanation | Yes | null | 7,176,933 |
2022-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX : {$84.00} XXXX XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60914 | null | Consent provided | Web | 2022-07-20 | Closed with non-monetary relief | Yes | null | 5,788,634 |
2023-03-18 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I applied for an American Express card on XX/XX/XXXX, XXXX nitially, they requested additional documents and as I tried to send them the documents, the system would not allow me the do so. I called on XXXX XXXX and was told I needed something else form ( XXXX ). They also told me I needed a letter from my bank to verify my address. I called and they said my application was denied and never allowed me to send in supporting documentation. I have been discriminated against alright the rep told me my score was XXXX which met the standards. | null | AMERICAN EXPRESS COMPANY | GA | 30078 | null | Consent provided | Web | 2023-03-18 | Closed with explanation | Yes | null | 6,715,091 |
2023-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}. | null | EQUIFAX, INC. | DC | 20019 | null | Consent provided | Web | 2023-05-15 | Closed with non-monetary relief | Yes | null | 6,982,151 |
2023-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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 | null | EQUIFAX, INC. | TX | 75154 | null | Consent provided | Web | 2023-02-09 | Closed with explanation | Yes | null | 6,552,852 |
2022-11-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | SC | 29418 | null | Consent provided | Web | 2022-11-02 | Closed with explanation | Yes | null | 6,159,288 |
2021-11-23 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I am attempting to apply for another parent plus loan for my son in XXXX. My fear is now because of this situation he will fall behind a semester or two if we don't find any other type of assistance quickly. I realized my credit was being denied because of a delinquent account showing on my credit. I seen it showing XXXX XXXX. I reached out to them to get information. After second time calling I was told it was from Paypal. I tried disputing but was denied. I called Paypal to gather information and they don't have any information that is correct to any type of transactions I have ever done. paypal couldn't further give me complete details. I told them the transactions they are stating I did is incorrect. I tried disputing but never recieve any more information about any of it. | null | Paypal Holdings, Inc | FL | 344XX | null | Consent provided | Web | 2021-11-23 | Closed with explanation | Yes | null | 4,939,367 |
2023-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Improper use of your report | Reporting company used your report improperly | My credit has been check by this company INVESTMENT RETRIEVERS that I am NOT AUTHORIZING them to check my credit. I do not give them permission. They have check my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have called then many times before and they say they can check my credit without my permission. | null | Investment Retrievers, Inc. | FL | 34953 | null | Consent provided | Web | 2023-05-02 | Closed with explanation | Yes | null | 6,920,821 |
2022-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate.
I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.
In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX have 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. | null | EQUIFAX, INC. | TX | 75067 | null | Consent provided | Web | 2022-11-25 | Closed with explanation | Yes | null | 6,241,124 |
2022-08-01 | 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 acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 Section 602 A States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30224 | null | Consent provided | Web | 2022-08-01 | Closed with non-monetary relief | Yes | null | 5,831,486 |
2022-03-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I viewed my credit report after being alerted that there were inquiries appearing on my credit report that should not be there and are there without my consent and they need to be removed from my credit report. I contacted the companies to get an understanding of whats going on the reps at each company basically told me that I don't have an account with them ( which I already knew that ) and that I need to take this issue up with the Transunion, but every time I call I feel like I get the run around and no one even cares and thats not right. I called three times and all three of the reps were nasty to me and very rude for no reason. Its not right. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20747 | null | Consent provided | Web | 2022-03-06 | Closed with explanation | Yes | null | 5,291,742 |
2023-01-18 | 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 | 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | 91601 | null | Consent provided | Web | 2023-01-18 | Closed with explanation | Yes | null | 6,455,668 |
2021-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | My first letter to XXXX, Experian, and XXXX was dated XX/XX/2021, and my second letter was dated XX/XX/2021. As of today, I still haven't received any response to either letter.
XX/XX/XXXX, the letter was about the inquiries, and XX/XX/XXXX, the letter was about verifying the bankruptcies on my credit file. Nothing has been addressed by any of the companies. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 210XX | null | Consent provided | Web | 2021-05-26 | Closed with explanation | Yes | null | 4,407,010 |
2021-09-22 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | My loan was with Axos Bank. I sold the vehicle to another entity. Almost 2 weeks after the loan was fully paid off, they just deducted another regular month 's payment from my account. The loan was fully satisfied yet they did not cancel the autopay arrangement.
When I messaged them, all they gave me were directions on how to cancel autopay, which doesn't help after they've already deducted almost {$420.00} from account that I hadn't accounted for. Now I risk NSF fees for other bill obligations. | null | AXOS FINANCIAL, INC. | TX | 75078 | null | Consent provided | Web | 2021-09-22 | Closed with explanation | Yes | null | 4,742,574 |
2022-09-12 | 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 | The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are XXXX and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. XXXX XXXX proved themselves to be XXXX They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the XXXX gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! XXXX XXXX we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff XXXX XXXX XXXX and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it | null | EQUIFAX, INC. | FL | 33313 | null | Consent provided | Web | 2022-09-12 | Closed with explanation | Yes | null | 5,974,814 |
2020-05-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have submitted multiple disputes with Experian credit reporting because I had a debt from XXXX XXXX XXXX that i have paid off in full and have supporting documentation proving from the debt agency that the debt was paid in full as of XX/XX/20. They have failed to remove and no one is getting back to me. I am one person doing right paying off my debt but experian is failing to do their part and report correctly as debts get paid.
The dispute department fails to respond and report accurately this is a problem especially when people like me pay debt off and it takes for ever for our scores to go up because people fail to do their job correctly. I need this taken care of asap. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91702 | null | Consent provided | Web | 2020-05-12 | Closed with explanation | Yes | null | 3,649,134 |
2021-07-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender Navient. I spoke to Navient and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau XXXX and XXXX and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is Navient. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from Navient very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from XXXX XXXX and XXXX as well as unknown telephone numbers. Fake email accounts have been open under my name as well.
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus.
I have not received any response from Navient and they are failing at complying with this identity theft investigation.
Another problem has been the company XXXX. I have contacted XXXX for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call. | null | Navient Solutions, LLC. | TX | 79912 | null | Consent provided | Web | 2021-07-24 | Closed with explanation | Yes | null | 4,571,451 |
2018-09-17 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | opened on XX/XX/XXXX. account was paid in full ( {$200.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX. | null | National Business Factors | ID | 83634 | null | Consent provided | Web | 2018-09-17 | Closed with explanation | Yes | null | 3,021,109 |
2020-05-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I bought at beginning of XX/XX/2019 some products in XXXX since the bill was a little high. I took the offer the same site was offering to finance with this company XXXX. Long story short, I returned products for end of XXXX ( XXXX and XXXX to be more exact ), I informed XXXX and XXXX of this. Few days after my loan for this devices already return was expiring and there is that XXXX started to send me text, phone calls, emails saying that I was responsible to paying loan no matter if I return device or not (??? ) I respond to every text, phone call and email regarding this situation and explaining how Wasnt in my hands to resolve this, since the products were with XXXX already and they were taking long time to analyze. Finally XXXX sent half of the payment, dont know why only half. But that made XXXX continue annoying me with a debt I Supposedly have, for XXXX XXXX finally sent all the amount. And XXXX finally report account as paid, but the problem is. They report this to Experian. As a Delinquency account, that after I complaint to Experian they finally recognize as paid but left unpaid historial on my report, that that only thing reduce my credit score from the 730s /740s to the 630s. I reported, but dont seems like XXXX or Experian care on cleaning this unfair situation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10031 | null | Consent provided | Web | 2020-05-07 | Closed with explanation | Yes | null | 3,641,466 |
2023-07-01 | 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 withfair credit reorting the list of accounts was violated my federaly protected consumer rights privacy and confidentially under section 15 use 1681
15 use 1681 section 602 A states i have the right to privacy
15 use 1681 A section 604 section 2 it also states a consumer reporting agency cannot furnish a account with out my writtin instruction.
15 usc 1681 c A5 section states no consumer reporting agency may make and consumer reeporting containing any of the following items off information any other adverse item off information other than theb records off convictionall off crim which antedates the reporting by more than 7 years
15 u.s.c 1681section 2 A1 aperson shallmet furnish any information relating to a consumer to any consumer reporting in the person knows or has reasonable cause to believe the information is inaccurate.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ID | 832XX | null | Consent provided | Web | 2023-07-01 | Closed with explanation | Yes | null | 7,185,446 |
2023-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to formally dispute multiple violations of consumer protection laws that have deeply affected my financial well-being and overall quality of life. These violations pertain to the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in ensuring the enforcement of my legal rights.
To provide context, my experience began with a series of unauthorized credit inquiries that have been made on my credit report by various creditors. I did not provide consent for these inquiries, as evidenced by my records. These unauthorized inquiries have directly impacted my credit score, making it difficult for me to secure favorable loan terms and interest rates.
Furthermore, I have been plagued by the inaccurate reporting of account information by several creditors. These violations include incorrect high balances, inaccurate dates of last activity, the improper re-aging of accounts, and the reinsertion of negative information without proper notice. This has created a distorted image of my credit history, leading to a cascade of negative consequences in my financial endeavors.
The repercussions of these violations have taken a toll on my life in ways that are difficult to express. For instance, I recently applied for a mortgage to secure a home for my growing family. Unfortunately, due to the inaccuracies and unauthorized inquiries on my credit report, I was denied the opportunity to provide a stable and nurturing environment for my loved ones. This heart-wrenching experience has not only shattered my dreams but has also left me emotionally drained and disheartened.
I am reaching out to you in the hope that the Consumer Financial Protection Bureau can assist me in rectifying these violations and advocating for the enforcement of the laws that are in place to protect consumers like myself. I kindly request your support in urging the concerned creditors to remove these unverified and inaccurate accounts from my credit report.
I am committed to working towards financial stability and securing a better future for my family. However, these violations have hindered my progress and inflicted unnecessary suffering. Your intervention in this matter would not only help alleviate my distress but also reinforce my faith in the consumer protection framework that exists to ensure fairness and transparency in financial transactions.
Please find below the details of the violations for your reference : Unauthorized Inquiries ( FCRA ) : XXXX : Unauthorized inquiry on XX/XX/XXXX.
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX.
XXXX XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX.
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX.
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX.
Account Reporting Inaccuracies ( FCRA ) : XXXX XXXX : Inaccurate account information including litigation, incorrect high balance, reaged accounts, and more. Account Number : XXXX.
XXXX : Inaccurate account information including litigation, incorrect high balance, reaged accounts, and more. Account Numbers : XXXX, XXXX.
XXXX XXXX : Inaccurate account information including litigation, incorrect high balance, reaged accounts, and more. Account Number : XXXX.
XXXX : Inaccurate account information including litigation, incorrect high balance, reaged accounts, and more. Account Number : XXXX.
I humbly request that you investigate these violations thoroughly and guide me in pursuing a resolution. Your expertise and support will be invaluable in helping me regain my financial footing and restoring my hope for a brighter future. I eagerly await your response and any guidance you may provide.
Thank you for your time and consideration.
Sincerely, XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | 90262 | null | Consent provided | Web | 2023-08-16 | Closed with non-monetary relief | Yes | null | 7,409,853 |
2022-11-16 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | I received mailings that someone opened over XXXX accounts in my name.
I never opened an account with truist bank.
Their customer service is less than helpful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | PA | 190XX | null | Consent provided | Web | 2022-11-16 | Closed with explanation | Yes | null | 6,210,965 |
2021-10-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe someone used my personal information and applied for this. | null | EQUIFAX, INC. | NY | 10022 | null | Consent provided | Web | 2021-10-12 | Closed with explanation | Yes | null | 4,801,572 |
2019-04-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | null | XXXXX | null | Consent provided | Web | 2019-04-25 | Closed with explanation | Yes | null | 3,222,198 |
2023-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am reaching out to bring attention to the presence of fraudulent personal information associated with my identity. I have discovered that certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. As a victim of identity theft, I have taken immediate action to report this incident. It is imperative to address this situation promptly, as it has had adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 604XX | null | Consent provided | Web | 2023-06-16 | Closed with non-monetary relief | Yes | null | 7,129,337 |
2021-05-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States justice department for discrimination with people XXXX as well as well consumer protection agency Im not sure why XXXX has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was XXXX and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | NV | 89115 | Servicemember | Consent provided | Web | 2021-05-01 | Closed with explanation | Yes | null | 4,343,080 |
2023-09-05 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT. XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76248 | null | Consent provided | Web | 2023-09-05 | Closed with non-monetary relief | Yes | null | 7,497,827 |
2023-08-08 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I made a payment via Nelnet.com 's online portal and it has not been posted to my account for more than 2 weeks although they already removed the money from my account. Breakdown of dates included below : XX/XX/XXXX - payment made via Nelnet.com online portal XX/XX/XXXX - payment removed from my bank account, still showing has pending online XX/XX/XXXX - payment no longer showing as pending AND not posted to account.
XX/XX/XXXX - told by Nelnet employee that they can see my payment and that it could take an " unknown amount of time '' to post to my account XXXX - Payment still not posted | null | Nelnet, Inc. | IA | 502XX | null | Consent provided | Web | 2023-08-08 | Closed with explanation | Yes | null | 7,370,068 |
2023-07-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Ive tried to dispute incorrect name and address on my credit report with XXXX They will not let me dispute them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 368XX | Servicemember | Consent provided | Web | 2023-07-16 | Closed with explanation | Yes | null | 7,259,756 |
2023-09-07 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | To Whom It May Concern : I am writing to update/correct my personal information on file with your company.
Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report.
Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX {$5200.00} XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60626 | null | Consent provided | Web | 2023-09-07 | Closed with explanation | Yes | null | 7,515,025 |
2017-01-11 | Debt collection | I do not know | Improper contact or sharing of info | Talked to a third party about my debt | This collection company spoke with a third party without my consent I disputed it online with XXXX and never received anything. | null | Jon Barry and Associates, Inc. | NC | 28269 | null | Consent provided | Web | 2017-01-17 | Closed with non-monetary relief | Yes | Yes | 2,284,198 |
2022-03-12 | 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, AC # XXXX, DO : XX/XX/XXXX, Amount {$27000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$13000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Card, AC # XXXX, DO : XX/XX/XXXX, Amount {$11000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX Bank, XXXX # XXXX, DO : XX/XX/XXXX, Amount {$10000.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. | null | EQUIFAX, INC. | CA | 90045 | null | Consent provided | Web | 2022-03-12 | Closed with explanation | Yes | null | 5,313,447 |
2023-03-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation listed underneath Personal Information : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX
XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX.
XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DE XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX | null | EQUIFAX, INC. | NY | 11422 | null | Consent provided | Web | 2023-03-15 | Closed with explanation | Yes | null | 6,699,887 |
2022-12-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In my credit report from XXXX, Transition, and XXXX. They are showing 2 or 1 fraudulent accounts which is : XXXX XXXX XXXX Other {$450.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details.
and XXXX XXXX XXXX XXXX Credit Cards {$600.00} Status Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$600.00} Account Details.
Those fraudulent accounts are not mine and I want those accounts to be deleted completely off my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11233 | null | Consent provided | Web | 2022-12-27 | Closed with non-monetary relief | Yes | null | 6,366,893 |
2023-03-25 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Three transactions that were unauthorized, the bank has not put the money back into my account, taking longer than the amount of time allowed by law. The 3 claims are Claim Number : XXXX for {$30.00}, Claim Number : XXXX for {$21.00} and Claim Number : XXXX for XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANKMOBILE TECHNOLOGIES, INC | GA | 319XX | Servicemember | Consent provided | Web | 2023-04-13 | Closed with explanation | Yes | null | 6,749,465 |
2023-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and correct or remove them immediately in my file.
XXXX XXXX XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX | null | EQUIFAX, INC. | NJ | 07093 | null | Consent provided | Web | 2023-02-06 | Closed with explanation | Yes | null | 6,538,976 |
2022-08-03 | 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 | - Received credit report on XX/XX/2022 from TransUnion for new credit card inquiry with XXXX XXXX XXXX - Called TransUnion for assist with fraud inquiry and was told that the credit card inquiry was made on XX/XX/2022 - Informed me that they will contact XXXX XXXX XXXX and requires me to submit a fraud report with fct.gov and more additional information in order for them to dispute the hard pull on credit score | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92683 | null | Consent provided | Web | 2022-08-03 | Closed with explanation | Yes | null | 5,833,168 |
2021-02-19 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | on XX/XX/2021, i sent QUALITY RECOVERY SERVICES, INC 2 letters to their main and corporate offices regarding the alleged debt of {$400.00} that i dont owe.it has been over 30 days since i sent the letters and neither office hasn't responded within the 30 days allowed by law.this inaccurate information is damaging my life and keeping me from getting things that i need.Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies | Company believes it acted appropriately as authorized by contract or law | Quality Recovery Services, Inc. | GA | 30236 | null | Consent provided | Web | 2021-02-19 | Closed with explanation | Yes | null | 4,151,770 |
2023-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the alleged debts that have been reported on my credit report by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX Bank. I am aware that my credit score has been negatively impacted by these accounts, and I believe that these accounts have been reported inaccurately and have violated several laws.
Firstly, I believe that XXXX XXXX XXXX 's account number XXXX has been charged off unfairly, and their account number XXXX has also been charged off unfairly. These actions violate the FCRA and FDCPA, as I have not been provided with any notice or explanation for the charge-off, nor have I received any communication regarding the settlement of the debt.
Furthermore, I believe that XXXX 's account number XXXX has been charged off unfairly, which violates the FCRA and FACTA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under FACTA.
Additionally, I believe that XXXX XXXX XXXX XXXX account has been charged off unfairly, and this violates the FCRA and TILA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under TILA.
Finally, I believe that XXXXXXXX XXXX XXXX account number XXXX has been reported inaccurately as a collection account, which violates the FCRA and RESPA. I have not received any notice or explanation regarding the collection account, nor have I been provided with the required disclosures under RESPA.
Therefore, I demand that these creditors take immediate action to correct the inaccuracies in their reporting and provide me with the necessary disclosures and notifications as required by law. If they fail to comply with my demands, I will have no choice but to take legal action to protect my rights.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60605 | null | Consent provided | Web | 2023-02-23 | Closed with non-monetary relief | Yes | null | 6,608,769 |
2021-09-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court. | null | EQUIFAX, INC. | SC | XXXXX | null | Consent provided | Web | 2021-09-14 | Closed with explanation | Yes | null | 4,718,649 |
2020-03-14 | 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 | please remove these unathorized/ fraudulent credit inquires XXXX XXXX-XXXX XX/XX/XXXX XXXX, XXXX XXXX-XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92102 | null | Consent provided | Web | 2020-03-14 | Closed with non-monetary relief | Yes | null | 3,566,998 |
2020-07-03 | 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 | In XXXX, XXXX I submitted a complaint to Equifax stating that they have an incorrect SSN for me in their file and sent them all supporting documents. They sent me a letter on XX/XX/XXXX stating there was nothing wrong and the SSN reflects correctly on my file. On XX/XX/XXXX I tried applying for credit with XXXX and it again reported that the system could not validate my SSN with Equifax. When I called them on XX/XX/XXXX their customer service representative told me that they had an incorrect SSN on the file and their last letter informing me that there was nothing wrong was incorrect and they could not tell me the reason why the record was not corrected when I initially complained to them. This repeated failures on the part of Equifax to correct my records in their system has led to my credit applications being declined from multiple financial entities and have led to a situation where I have to be dependent on my parents for credit. The other 2 credit reporting agencies reports all data correctly. In spite of contacting Equifax several times last XXXX and in XXXX they failed to fix the issue and has caused great financial harm to me and I have not been able to build my own credit history. I request a thorough investigation of their internal processes, identify the cause of repeated failure to address my concerns and compensate me for causing irreparable harm to my financial profile and credit worthiness. In my call with them on XX/XX/XXXX they indicated the issue would be fixed in 48 hours but I do not trust them anymore and request investigation of their failures. | null | EQUIFAX, INC. | CA | 90503 | null | Consent provided | Web | 2020-07-03 | Closed with explanation | Yes | null | 3,728,426 |
2017-11-14 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | I have contacted Ally on XX/XX/XXXX via their XXXX contact number listed on the monthly account summary to request why these summaries do not include year to date paid in principal and interest, not just the monthly amount - and was told that was their standard practice. I explained that I paid in excess of the required payment and was concerned the excess was not going to principal as the finance charges appear to increase month to month.
I was transferred to a manager after requesting so since the response received about how interest is applied ; the agent for ally said its computed daily, and my agreement was for an annual interest rate - daily interest is not detailed in the summary or in the document I signed for the loan. I request statements be sent to me showing me the monthly principal and interest ( finance charge ) and the effect it was having on my outstanding balance - I requested those statements be sent immediately. The manager said they would call back and confirm the statements were on its way the following day.
On XX/XX/XXXX I contacted Ally via their XXXX contact number to explain I did not receive a call back, and needed confirmation the statements were being mailed to me. The agent said I should expect to receive the statements in 3 - 5 business days.
Its XX/XX/XXXX and I have not received the statements.
The truth in lending statement does not fairly disclose the types of finance charges, and interest and payment activity that if made on time, would lead to final interest and finance charges over the period of the loan - its less than I am actually paying ; the monthly summary does not provide month over month accounting of payments made and the impact to principal. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | MA | 02184 | Older American, Servicemember | Consent provided | Web | 2017-11-14 | Closed with explanation | Yes | null | 2,728,875 |
2023-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | UT | 84065 | null | Consent provided | Web | 2023-07-11 | Closed with non-monetary relief | Yes | null | 7,233,362 |
2023-06-14 | 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 unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft.
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) FLAGSHIP CREDIT ACCEPTANCE ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FC HoldCo LLC | FL | 337XX | null | Consent provided | Web | 2023-06-14 | Closed with explanation | Yes | null | 7,117,771 |
2021-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | My credit reports randomly drop active creditors off my reports causing my credit score to negatively change.
XXXX XXXX XXXX is in good standing and I want it reflected on ALL 3 credit bureaus | null | EQUIFAX, INC. | UT | 84041 | null | Consent provided | Web | 2021-10-04 | Closed with explanation | Yes | null | 4,778,130 |
2017-07-26 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | At XX/XX/XXXX I received a phone call from XXXX XXXX ' from Westhill Exchange LLC in Colorado . He stated that I owed XXXX XXXX XXXX a debt from XX/XX/XXXX and that if I did n't pay he would be taking me to court and I could go to jail. He verified my old address and some other personal information but stated that he could n't send me a bill in the mail to verify this account. I told them that I do n't have that kind of money laying around and I need to have something sent to me. With having a family and with me only working, I paid them the almost {$500.00}. He was supposed to send me an email of confirmation for payment, which I never received. Nor did I ever receive anything in the mail. After returning home, I spoke with my wife about it and she started investigating. Called the bank and submitted a fraud claim against them. The bank has then determined that the claim is in my favor and it was defiantly a fraud. I am now being harassed by XXXX XXXX from Westhill Exchange LLC again via email and phone calls. He states I need to contact him ASAP before a court case is submitted to jail. Please help me with this, I am being harass by XXXX. He ca n't verify this past debt and wo n't stop threatening me with court. | null | Westhill Financial | MI | 483XX | Servicemember | Consent provided | Web | 2017-07-26 | Closed with explanation | Yes | null | 2,585,859 |
2022-07-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In accordance with the fair credit reporting act : XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30047 | null | Consent provided | Web | 2022-07-19 | Closed with non-monetary relief | Yes | null | 5,787,887 |
2022-10-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33570 | null | Consent provided | Web | 2022-10-23 | Closed with non-monetary relief | Yes | null | 6,118,212 |
2022-02-04 | Checking or savings account | Checking account | Closing an account | Company closed your account | On XXXX, XX/XX/XXXX, to my utter shock I open my chase mobile app as I am going to pay my credit card bill from my personal account and my personal bank account is not showing up. My business accounts are still available. I call the local branch to inquire and they say I have to call a number theyll give me or come into the branch. They cant provide any other info over the phone. I decide to stop everything Im doing and go to the branch as Ive been unsuccessful in the past resolving things online or through the phone. I go to the branch and sit there for about an hour while the branch manager calls Loss Prevention. In the end, he tells me Chase closed the account for fraudulent activity. I ask him what fraudulent activity. A check I deposited - settlement check from an attorney awarded to me because of a car accident - almost {$13000.00}. At first the branch manager doesnt want to see the paperwork, finally he reviews the paperwork, he speaks to the representative on the phone with no success. I ask him why they didnt hold that check but allow me to access my other funds. He says Chase would have sent me an an alert through the mobile app or sent me a letter. No letter anywhere to be found. I cant access any alerts or information from my personal account on the app. Then he says the letter was sent on XX/XX/XXXX. Theres nothing he can do. Chase can close any account at any time. He suggests I go to any chase bank with the person who issued the check to clarify the situation. I feel chase profiled me, had no respect for my rights, and treated me unfairly. | null | JPMORGAN CHASE & CO. | DC | 20032 | null | Consent provided | Web | 2022-02-04 | Closed with explanation | Yes | null | 5,185,270 |
2021-11-12 | Debt collection | Payday loan debt | Attempts to collect debt not owed | Debt was result of identity theft | RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CONNS bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX | null | Conn's, Inc. | TX | 75237 | null | Consent provided | Web | 2021-11-12 | Closed with explanation | Yes | null | 4,905,230 |
2022-05-05 | 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 XXXX account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose. | Company believes it acted appropriately as authorized by contract or law | SLM CORPORATION | NC | 27104 | null | Consent provided | Web | 2022-05-05 | Closed with explanation | Yes | null | 5,543,660 |
2020-08-07 | 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 | Experian currently reports an inaccurate inquiry on my credit report.
1 ) XXXX XXXX XXXX, inquiry date XX/XX/2020, no permissible cause as required by federal law, no loan or credit was awarded. A violation for reporting inaccurately per fcra rules section 1681 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33024 | null | Consent provided | Web | 2020-08-07 | Closed with explanation | Yes | null | 3,783,804 |
2021-09-10 | 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 | Checked my credit report and noticed unauthorized inquiries. Tried to get the issue resolved to no avail. Was told that the inquiries would be deleted but they still show on my credit report. | null | EQUIFAX, INC. | TX | 787XX | null | Consent provided | Web | 2021-09-10 | Closed with explanation | Yes | null | 4,705,678 |
2021-10-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I would like to open a credit dispute with XXXX XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MN | 554XX | null | Consent provided | Web | 2021-10-17 | Closed with explanation | Yes | null | 4,816,381 |
2023-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | null | Consent provided | Web | 2023-01-19 | Closed with non-monetary relief | Yes | null | 6,452,332 |
2023-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX/DEPT OF ED Balance {$13000.00} Balance updated XXXX XXXX, XXXX I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine!
XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX XXXX {$420.00} XX/XX/XXXX 2023 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OK | 73159 | null | Consent provided | Web | 2023-07-12 | Closed with explanation | Yes | null | 7,243,507 |
2021-11-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact Experian, XXXX & XXXX. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 45503 | null | Consent provided | Web | 2021-11-21 | Closed with non-monetary relief | Yes | null | 4,932,900 |
2017-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Experian is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Experian notes the status as never late for an account that was opened on XX/XX/XXXX however the loan servicer is only reporting monthly payment history for most months an " ND ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Experian posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than 15 different student loan accounts that Experian has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Experian allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. The payment history is available and known and must be reported. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 146XX | null | Consent provided | Web | 2017-07-29 | Closed with explanation | Yes | null | 2,588,904 |
2023-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60108 | null | Consent provided | Web | 2023-08-14 | Closed with explanation | Yes | null | 7,393,635 |
2023-07-03 | 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 | 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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75237 | null | Consent provided | Web | 2023-07-03 | Closed with non-monetary relief | Yes | null | 7,196,010 |
2021-04-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | XX/XX/2021 I contacted TransUnion to remove inaccurate address on my credit report.The information is still on my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23803 | null | Consent provided | Web | 2021-04-02 | Closed with explanation | Yes | null | 4,264,947 |
2021-02-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have sent disputes and notifications to the credit bureaus in XX/XX/2020 and have not heard anything from them. XXXX, Equifax, and XXXX continue to report accounts with incorrect amounts, incorrect dates, unauthorized and unverified information on my report. I sent several letters requesting that they remove incorrect versions of my name and incorrect addresses but they continue to violate the FCRA by knowingly reporting this incorrect data.
XXXX, XXXX, and Equifax have not responded to my requests sent in XX/XX/2020 requesting that they comply with my request for investigation and resolution. This is a violation of the FCRA. They have not updated their reports to show that the accounts have been disputed. They continue to report addresses that I've never lived in. They continue to report accounts that are older than seven years old. They continue to report unauthorized inquiries.
None of the companies have provided verifiable proof of authenticity from any creditor.
I have sent letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They are attached. | null | EQUIFAX, INC. | MD | 212XX | null | Consent provided | Web | 2021-02-03 | Closed with explanation | Yes | null | 4,114,111 |
2022-01-16 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | I tried to reach out to the collection place but they could not provide any valid information to me to prove the account was mine. Please investigate the account the credit bureau. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Ability Recovery Services, LLC | IL | 60426 | null | Consent provided | Web | 2022-01-16 | Closed with explanation | Yes | null | 5,113,280 |
2021-12-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes. please investigate this matter immediately! | null | EQUIFAX, INC. | LA | 701XX | null | Consent provided | Web | 2021-12-20 | Closed with explanation | Yes | null | 5,026,843 |
2023-03-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33055 | null | Consent provided | Web | 2023-03-27 | Closed with explanation | Yes | null | 6,750,207 |
2019-11-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | My previous complaint number was XXXX ( with current servicer XXXX XXXX ). however I was advised that I need to go back to XXXX XXXX XXXX since my loan was transferred from them. I did receive the pay history and it does not match up and they still can not provide my payments from XX/XX/XXXX, to XX/XX/XXXX. I do not know what else to do to get this resolved. Please see the attached documents Loan Number : XXXX Original Lender : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX This complaint is against XXXX XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX XXXX XXXX for deceptive practices on my loan modification and mortgage payments. I was told by XXXX XXXX XXXX and The Consumer Protection Bureau to file a complaint against XXXX XXXX XXXX. The series of events are as follows : 1 ) XXXX XXXX XXXX boarded my loan from XXXX XXXX XXXX XXXX and can not account for payments from XXXX to XXXX. I am disputing an increased loan balance of over {$96000.00} and all the balloon payments.
The loan modification I signed was out of desperation. This complaint falls under the same scrupulous investigation and determination by the US Department of Justice against XXXX XXXX XXXX XXXX involving minorities and XXXX. XX/XX/XXXX, XXXX XXXX XXXX settled the complaint by the US Department of Justice for {$16.00} XXXX dollars. I am requesting an investigation into my loan balance. I do not owe the balance reflected by XXXX XXXX XXXX. | null | EQUIFAX, INC. | RI | 02860 | null | Consent provided | Web | 2019-11-05 | Closed with explanation | Yes | null | 3,429,258 |
2020-04-30 | Vehicle loan or lease | Lease | Managing the loan or lease | Problem with fees charged | Lease date : XX/XX/XXXX - Maturity : XX/XX/XXXX Lessor : XXXX XXXX XXXX XXXX XXXX.
Dealership : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Texas ) Vehicle : XXXX XXXX XXXX ( new ) Timeline : XX/XX/XXXX, traded in the leased XXXX XXXX XXXX with an XXXX dealership located in XXXX XXXX, Texas.
Trade payoff quote for the XXXX XXXX on XX/XX/XXXX was {$18000.00}, as disclosed by my Honda Financial Services online portal account. However, the trade-in payoff quote was processed by the amount of {$18000.00} since the former was valid until XX/XX/XXXX only.
Transaction was completed at XXXX the same day, XX/XX/XXXX. Then, on XX/XX/XXXX I was informed that, Honda was charging a {$350.00} in addition to the payoff check that had already been submitted by XXXX - and - Honda was holding the title from XXXX although the full payoff check had been submitted.
I called Honda Financial Services on XX/XX/XXXX and was told that this was a " disposition fee '' and that was the origin from the amount. I got back to XXXX the same day asking to wave this off, but they said they couldn't as Honda was charging this fee to me.
I then called Honda Financial Services on XX/XX/XXXX, and they denied my request to wave the {$350.00} as they state this fee was allegedly not being charged to me, but instead this is being charged to XXXX.
During the same conversation, the lady that I talked to confirmed that they had also received the payoff amount for {$18000.00} on Friday, XX/XX/XXXX and that they notified XXXX on XX/XX/XXXX about the {$350.00} fee adding up to a total of XXXX.
I got back to XXXX on XX/XX/XXXX, and was told that Honda Finance will not consider removing the {$350.00} disposition fee as I didnt purchase a Honda. With that, I called back Honda Financial Services today, XX/XX/XXXX - and before calling them, I took note of the following : 1 ) The Honda lease contract that I have has a notation at the bottom that reads " HF LS AOS XXXX ''. This is outdated when comparing to the 12 CFR Part 1013 ( Regulation M ), specifically 1013.4 ( d ) - which is noted to be most recently amended on XX/XX/XXXX.
2 ) Honda lease contract, page 1, Federal Consumer Leasing Act Disclosures, Section 3. - Other Charges " Turn-in Fee ( If I do not purchase the vehicle ) - {$350.00} '' then a second line with N/A for description/category and a corresponding N/A for in place of a dollar amount. And, a " Total '' and a corresponding {$350.00} 3 ) Honda lease contract, page 4, Ending My Lease, 30. Early termination Liability : If I am not in default, I may terminate this Lease early. If I decide to terminate this Lease early, upon return of the vehicle to Lessor, I will owe to Lessor : ( d ) the Turn-in Fee, as described in Section 3 above.
During today 's ( XX/XX/XXXX ) call with Honda, I told them the above and for a moment the representative agreed with me that this charge was wrongful, as 1 ) I did not return the vehicle to lessor ( Instead I treaded it in on a different dealership ), 2 ) I pointed out that this contract was outdated in reference to its governing laws by the Consumer Financial Protection Bureau, 12 CFR Part 1013 ( Regulation M ), which he also agreed to. As he agreed, he said he was going to submit a request to wave this off and would get back to me in a week and we ended the call. Shortly, I recieved a call from him saying " they '' had declined my request to wave the {$350.00} off, on the basis of Honda lease contract, page 1, Federal Consumer Leasing Act Disclosures, Section 3. - Other Charges " Turn-in Fee ( If I do not purchase the vehicle ) - {$350.00} ''.
I submit this request, as I disagree with Lessor, since they had a chance to disclose a scenario under the subject of " other charge '' in which I trade in the vehicle in another dealership than theirs, but they did not disclose that in the outdated contract.
Since the title for the vehicle had been held by Honda from XXXX, XXXX decided to pay off the {$350.00} without my consent, in order to obtain the title from Honda, as it had been held for too long from XXXX. This was informed to me today by the Honda representative, and he said he was going to wrap things up to send them the title now.
I subsequently spoke to XXXX, and asked them why they had paid this amount without my consent, and they told me they paid it because they didn't have access to stock the XXXX without the title.
Finally, I found another customer who recently ( XX/XX/XXXX ) filed a complaint located in the XXXX ( XXXX XXXX XXXX ) addressing the same issue as I am, and was resolved favorably to the customer.
COPY OF CONTRACT ATTACHED | null | AMERICAN HONDA FINANCE CORP | TX | 79912 | null | Consent provided | Web | 2020-04-30 | Closed with explanation | Yes | null | 3,631,388 |
2023-02-04 | 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 | My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.
I did not give consent to these accounts.
I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
DELETE THESE ACCOUNTS : | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33411 | null | Consent provided | Web | 2023-02-04 | Closed with non-monetary relief | Yes | null | 6,526,474 |