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Unable to get credit report/credit score | still no credit report issued. it is preventing me from refinancing my home |
Problem with a credit reporting company's investigation into an existing problem | I called Transunion on XX/XX/XXXX at XXXX to dispute XXXX hard inquiries that were removed summer XX/XX/XXXXand early XX/XX/XXXX due to a glitch in their system. Transunion illegally re-added them back because I never received written notice 5 days before Transunion reinserted them. Although Transunion acknowledge it was a glitch, the Rep XXXX only agreed to deleted the XX/XX/XXXX XXXX XXXX Inquiry. |
Threatened to contact someone or share information improperly | Atlantic Recovery Solutions, a XXXX XXXX, has harassed my mother in law, my father, and my husband ... so far as of today,XXXX. Where is the privacy act, how did they get these numbers, and how can they legally keep harassing them? This IS Harassment~ I have had no items mailed to me, nor do I have ANY record of this company calling me on my home, or cell phone! |
Loan servicing, payments, escrow account | My FHA mortgage # was issued in 2009. According the HUD website, the monthly insurance premiums may be cancelled after 5 years ( if the mortgage terms exceeds 15 yrs ) and the LTV is 78 % or less ( based on origination appraisal ) and on time payments. I meet all requirements. I asked my mortgage company over a month ago to cancel this. They send they were 'sending a form. I have n't a word since. I want this cancelled |
Managing the loan or lease | SYNCB/FUNANCING said I was late XXXX payment XXXX 2014. I never received a notice saying that I was late. This was paid off XXXX XXXX. They can not go back and see what the issue was. So please check in to it and clear this from my record.
Thank-You XXXX XXXX |
Attempts to collect debt not owed | This account was included in the BK filed in 2017. After multiple letters to XXXX and the company, they are still showing the amount of XXXX. Please delete or update account with proper XXXX balance. |
Managing an account | I attempted to purchase cryptocurreny using my checking account. My banking institution, Capital One, has informed me that they do not allow any funds to be used to make such purchases. |
Credit reporting company's investigation | I requested a XXXX XXXX XXXX XXXX Credit Card and was denied twice. First based on report from XXXX XXXX ; reason " Insufficient Credit History ''. Resubmitted and received report from Experian ; Reason " Unable to Verify Identifying Information ''. Credit score XXXX out of XXXX. XXXX See attachments ) |
Credit decision / Underwriting | I had been working with this mortgage broker for over 6 months with a pre approval letter he told me that I qualified for a loan for XXXX. After looking for a home and submitting all the paperwork ad setting a closing date. I do n't get the home that I want. He kept lying to me about my credit, or my debt to ratio, or have n't been on my job long enough. |
Opening an account | I have been back and forth with both XXXX XXXX and USAA about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft. |
Incorrect information on your report | XXXX XXXX is reporting an account that is fraud |
Delinquent account | This account was originally a JC Penney credit card that was opened in XX/XX/XXXX. Because of financial problems at the time I was unable to payoff the balance of {$75.00} at which time GE Capitol assumed the debt and adding additional fees. I do n't know how or why XXXX XXXX assumed the debt and they are claiming the account was opened in XX/XX/XXXX. This original debt with JC Penny is well over 7 years old but it still appears on my credit report. |
Took or threatened to take negative or legal action | Saturday XX/XX/XXXXmy boyfriend received a threatening call from XX/XX/XXXX trying to collect on an XXXX account that I have. They said I need my attorney to contact them immediately regarding this matter. They have served me any papers and why are they leaving this information on someone else line stating my name clearly?? they have left the same threatening messages on more than several occasions on my phone as well. |
Incorrect information on your report | THE XXXX XXXX ACCOUNT ( LETTER ATTACHED ) DOES NOT HAVE ANY DELINQUENCIES PER THE CREDITOR ITSELF FOR WHICH THEY HAVE APPROVED.
PLEASE HELP ME TO REMOVE THESE NEGATIVES LATES FROM EXPERIAN AND XXXX. BECAUSE THEY ARE NOT COOPERATING.
THANK YOU |
Loan servicing, payments, escrow account | I have an adjustable rate mortgage with Wells Fargo Home Mortgage.
This year when the loan re-adjusted the principal balance used to determine the following years payments was incorrect. I have tried to resolve this with " The Bank '' to no avail.
This has occurred at every re-adjustment period and when brought to " The Bank 's '' attention it has always been corrected in the past. |
Incorrect information on credit report | Transition has an address on my credit report in XXXX Missouri. I have never lived there. I do n't know if this will make a difference, but should be corrected. Thank you. |
Dealing with my lender or servicer | Navient has called and left a voicemail on a previous employers mailbox. Not only is this a violation of my rights, a disruption to their business but I have also asked that they no longer contact me via phone but only to contact me via USPS. This is the second time it has happened and I do not believe my previous employer appreciates the calls. |
Other transaction problem | XX/XX/XXXX I used BB & T online bill pay to pay my daughters XX/XX/XXXXreal estate taxes to XXXX XXXX, XXXX County tax collector. It was insufficient due to a late penalty being added, so they returned it to my bank account XX/XX/XXXX by the same electronic transfer thru their XXXX XXXX XXXX.
( See next complaint against XXXX XXXX XXXX ) ( Returned funds yet to be received by BB & T ) |
Communication tactics | Bank of America keeps calling saying I have an account with them which I do n't. They asked for an account number, |
Unable to get credit report/credit score | Equifax has refused to release my credit report via annual credit report, XXXX XXXX, and other credit monitoring sites. I have no way of tracking it and seeing what is inaccurate on there. This is not right and needs to be taken care of. At first I thought there was a fraud alert so I sent in a letter to remove it but it still is blocked. |
Cont'd attempts collect debt not owed | This collection is for a bill for a medical procedure that was covered 100 % under my XXXX insurance. I have made repeated attempts to resolve this collection with the collection agency ; BCA Financial Services. They tell me to disregard the mail notices and that they will process through XXXX again. But, the collection stays on my report. |
Cont'd attempts collect debt not owed | A company by the name of Arnold Scott Harris, PC ( XXXX ) is attempting to collect a debt that does not belong to me. I 've asked them to provide proof of debt with my signature which they have failed to do. Arnold Scott Harris, PC has been notified to refrain from contacting me, yet they continue to call daily. I am unfamilar with the debt stated in their letters. |
Communication tactics | Repeated calling my number with an automated phone number.
I have never been able to talk to a real person.
I do not owe any outstanding debts. |
Improper use of your report | There are Hard Inquiries that on my Credit Report that I don't recognize |
Charged fees or interest I didn't expect | I had a call at XXXX at work form a XXXX, XXXX and claimed i owe a payday loan and would sue me and take me to court for check fraud.Now i was frighten and stardled at first ask lots of questions about the claim.Than i read reviews online how people get scammed from debt collectors who pretend to be investigators or attourneys.I felt like i was getting scam please reply back to me if legitimate..or what further action i should take on this matter.. |
Managing the loan or lease | I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/2014, XX/XX/2014, XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. |
Incorrect information on credit report | I once again have received XXXX letters on the same day from Equifax, telling that my address has been changed from new address back to the old address ( 4.5 years ago ), and the other letter, says that my new address has been changed from the old address. I 've scanned these letters. |
Written notification about debt | THE PROPERTY OF XXXX XXXX XXXX XXXX, AZ WAS OWNED BY MY OWNED WHO PASSED AWAY XX/XX/XXXX. XXXX XXXX DID NOT ALLOW ME TO PURCHASE THE PROPERTY INSTEAD LED IT TO FORECLOSE. I PAID ALL THE TAXES AND INSURANCE FOR YEARS. TO DATE THE FORECLOSING COMPANY DID NOT SEND PROPER NOTICE OF THE CURRENT FORECLOSURE SET FOR XX/XX/XXXX AT XXXX. MY MOTHER HAD XXXX 2 YEARS PRIOR TO THE ORIGINATION OF THIS LOAN. ALL DISBURSEMENT OF FUNDS ARE UNKNOWN. |
Billing statement | Capital one bank did not report the correct ending balance on my account to the credit reporting agencies |
Disclosure verification of debt | no contract or signature verified by this collector. |
Incorrect information on your report | All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX.
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate. |
Attempts to collect debt not owed | The account was never turned into collection. Kay jewelers is the creditor. The account has a balance of {$2000.00} and was opened on XXXX / XXXX / 2014 . I have filed police and identity theft reports. |
Cont'd attempts collect debt not owed | The Law Office of Rory W. Clark is attempting to collect on a debt which has been deemed a matter of ID Theft by both XXXX XXXX XXXX ( ID # : XXXX ; XXXX : XXXX ) and the XXXX XXXX Police Department ( I.D. # XXXX ). Furthermore, upon my own discovery, the said law firm has demonstrated to be the subject of several lawsuits against them which casts doubt on the legitimacy of its claims : XXXX ; XXXX |
Improper contact or sharing of info | Penn Credit is constantly calling for my son 's roommate that does not live at the home phone number. It 's an automated message that I am unable to tell them |
Problem with a credit reporting company's investigation into an existing problem | On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to investigate errors on my credit report. Almost 3 months have passed, and I have not yet received a response. This is already the 2nd complaint I've filed for not receiving a response. |
Billing disputes | Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation. |
Incorrect information on your report | Incorrect info. CR agencies not consistent. Judgements are not off all CR. |
Incorrect information on your report | There are many mistakes appear in my report without my understanding. |
Can't contact lender | I am a victim of identity theft and someone stole my identity and personal information to apply for a loan with Lend Up. The loan account was an unauthorized and fraudulent account. I never applied for a loan with Lend Up. I filed a police report with XXXX XXXX Police Department. The police report case number is : XXXX |
Incorrect information on your report | Received a credit report today from Equifax via US Mail. The problem is that it had my full SS #. These are not suppose to be sent out without disguising a portion of it. Just plain careless, especially with the latest problems the company is having. |
Incorrect information on your report | I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY. |
Improper use of your report | My SSN was compromised in this recent data breach due to lackadaisical security policies carried out by Equifax. |
Improper use of your report | Equifax 's website that advises if I 've been a victim in their recent hack shows that my information is at risk. Equifax has mishandled my private information, so now I need to go through steps to protect my information from further misuse. This is costing me money and hardship. |
Improper use of your report | Good evening, I have a collection on my credit report from a collection agency, AFNI, for a bill from XXXX XXXX XXXX. AFNI is not a licensed collection agency in Florida. Can you assist? |
Settlement process and costs | XXXX XXXX attorney for XXXX TRUSTEE. Refuse to release all funds in escrow and INSURENCE funds. XXXX XXXX TRUSTEE V XXXX XXXX INDEX XXXX is disposed. XXXX XXXX still refuse to release my funds |
Unable to get your credit report or credit score | Sent letter with attached application, copy of passport and utility bill to LexisNexis over four weeks ago asking for annual full file disclosure.
I called on XX/XX/XXXX to ask for the status of my full file disclosure.
They acknowledge sending it out USPS on XX/XX/XXXX and informed me it takes seven to ten days to reach me. That time has past. I still have not received the file. |
Managing an account | I use XXXX XXXX to access my paycheck earlier when I need to. However access to my current amount in my checking account is slow and can in some cases hinder my ability to get money when I need it. It would be best if access was instant so my current balance is always up to date. |
Incorrect information on credit report | I went to my credit union ( XXXX XXXX ) to apply for a credit card and was denied, when we reviewed my file we found XXXX credit cards opened in my name 6 years ago while i was XXXX. I did not open them. We found a XXXX XXXX XXXX, a XXXX XXXX, a XXXX and a XXXX card all in default. |
Dealing with my lender or servicer | I left the program due to family emergency. XXXX University refunded Navient {$2400.00} and {$1700.00} totaling {$3700.00}. They are still reporting it on my credit report despite being paid back the money. The Navient representative I spoke to was XXXX on XX/XX/2017 at XXXX |
Incorrect information on credit report | Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me. |
Cont'd attempts collect debt not owed | debt was paid in XXXX/XXXX/2016 to medical office. Now I am receiving letters from a collection agency called Transworld Systems , Inc. TSI |
Communication tactics | PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well. |
Managing the loan or lease | previous complaint XXXXXXXXplease see supporting documents proving that my lease was not only paid on time, but early every month. the NMAC " XXXX '' system failed. |
Incorrect information on credit report | I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old. |
Improper use of your report | I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit! |
Disclosure verification of debt | bca financial has XXXX accounts listed on my XXXX report that i have no knowledge of and have never recieved a dunning notice on. i sent them a letter 2 monthes ago requesting validation but never recieved a response |
Charged fees or interest you didn't expect | I took out a loan on XX/XX/XXXX2017. Interest rate is 786 % I have paid 7 payments of {$220.00} biweekly. The finance charge is {$1800.00} on {$750.00} loan. Total amount I will pay for this loan is {$2600.00}. I feel this is too much interest. I still have 5 more payments. |
Improper use of your report | Equifax allowed ( an ) unknown individual ( s ) access to all of the identifying financial information of almost every adult American, myself included.
The US needs a new, better way to manage credit. Having three credit bureaus control this information is ridiculous and the problems that will come from this leak will be disastrous. |
Incorrect information on your report | this account with XXXX XXXX XXXXE account number XXXX Date Opened XXXX/XXXX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue |
Incorrect information on credit report | Telephone numbers listed as XXXX and XXXX have never been associated with me. |
Problem with a credit reporting company's investigation into an existing problem | I made a payment of the incorrect amount to Ford motor credit, they did not notify me until after 30days and then proceeded to put a 30 day late mark on my credit reports. I have contacted them and they refuse to work with me. They are the worst company I have ever done business with! |
Dealing with my lender or servicer | ACSXXXX is a student loan that has been paid in full and should not be a delinquent account on my credit report |
Cont'd attempts collect debt not owed | I have a fraud alert on my credit report and this debt is erroneous and not valid and is not mine. |
Cont'd attempts collect debt not owed | I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim. |
Written notification about debt | The debt account that Im filing a complaint against is XXXX XXXX. The debt was bought from XXXX XXXX/Synchrony Financial in the amount of {$220.00}. On my credit file it is stated that the balance owed is {$0.00} but the debt was bought by XXXX XXXX and reaged on my credit file. |
Incorrect information on your report | att, credence resource management and XXXX cobtinue to report disputed account due to identity theft that has been previously filed and certified mail to each parties concerned yet they claim this debt belongs to me after thorough investigation I have asked for paperwork and or validation of the debt and they have not responded to my request |
Improper use of your report | I did not know how to categorize this complaint. This is in regard to the Equifax security breach that happened somewhere between XXXX and XXXX, but was not reported to consumers until XXXX. I am one of the MILLIONS of consumers whose data may have been breached. |
Attempts to collect debt not owed | Southwest Credit Systems a re reporting to XXXX that I owe a balance of {$250.00} for XXXX XXXX showing that this was reported XXXX XXXX , 2015 . However I have current service with XXXX , and have been well before that date. I do not have an account at the address that is attached to this collection. I have an active account with XXXX . |
Other features, terms, or problems | My American Express credit card was jeopardized on XXXX/XXXX/XXXX, i called them the next day but nothing was done somebody used my credit card I had the credit card in my possession but XXXX did not do anything to investigate until I called them again on XXXX/XXXX/XXXX, 11 days later and my other credit cards were also were hacked why didnt do any investigation and credit my account XXXX, fraud is serious matter and American Express didnt do anything. |
Fees or interest | I pay my TARGET RED CARD on the due date every month. Never late. XXXX XXXX I was charged a late fee. I made the payment on XXXX/XXXX/XXXX, my due date is the XXXX of each month. I was charged for paying on time, this is the 3rd time. After I made the online payment on XXXX I called to confirm they would not slick me and charge a late fee, the customer service rep, told me not to worry, we wont charge you. They keep phone records and time stamp payments. |
Other | I have had a credit card with Bank of America for many years. Just recently they sent me a XXXX form and a XXXX form to fill out and mail back to them saying that they need to update my information. No other credit card company has sent such forms. B of A already has my Social Security number which they got when they granted me a credit card ( years ago. ) So what is this all about? I am asking CFPB to live up to its name and protect me from corporate over reach in data mining, etc. |
Incorrect information on credit report | XXXX is reporting a collection account on my experian credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft |
Credit monitoring or identity theft protection services | I was a victim of identity theft from someone who has stolen my accounts info as well as my personal info I reported to them they said that it wasnt valid. Bank accounts and credit cards. |
Incorrect information on your report | Experian has my XXXX XXXXXXXX XXXX showing Negative. This account does not go positive until 2022 and there has not been a late payment in over 18 months It should not take 4 years for this account to go positive considering it has not been late in over 18 months.
FTC has been filed as well to this account. |
Problem with a credit reporting company's investigation into an existing problem | Experian continues to report inaccurate, unvalidated information to my credit file. I have proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately. |
Trouble using your card | When I first Got approve for A XXXX card my credit limit was {$1000.00} and then 2 months later they decrease my credit limit down to {$100.00} and said the bank did it because of delinquent payments on my credit which is not true because I do not have any delinquent payments on my credit I pay all my stuff on time. I think it is unethical for this bank to falsify false information that is not on my credit. |
Problem when making payments | Have been charged Late Fees repeatedly month after month for payments that were set up directly with my financial institution and this credit card company was not applying my payment in a timely manner causing a late fee EVERY month. I verified with my financial institution the account number and remit address, both were correct and the payments were mailed in enough time to be received by due date. |
Managing an account | On XXXX XXXX 2017 I deposited a money order for {$500.00} and a 12 day hold was as placed on XXXX of it. I also deposited a separate money order for {$100.00} and it was available immediately. I tried to call to find out what happened and got the we are sorry but its computer generated line. I 've had this happen before but never a 12day hold. |
Struggling to repay your loan | For the past two years I have struggled to make the high payments on my Navient private loans. The amounts they are asking me to pay are unreasonable. They will not work with me at all and I have no other options. My income is not high enough yet to make these payments. I am also in XXXX XXXX and they will not give me any type of forbearance. |
Written notification about debt | I am asking that the company, Resurgent Capital Services ( lvnv ) provide me with something in writing before I pay them. They refuse. I want the lvnv removed from my credit report. The debt was a credit card e keep passing it around to collection agencies. I refuse to give anyone my bank info without something in writing. |
Incorrect information on credit report | I have the same bill reported XXXX times on my report.
Act # XXXX & XXXX are duplicates.
Med XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX-XX/XX/XXXX |
Problem with a credit reporting company's investigation into an existing problem | There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Incorrect information on your report | XXXX 2016 XXXX XXXX XXXX/XXXX reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all. |
Improper use of your report | According to equifax 's online check to see if my identity was compromised, they informed me that I was a victim of this hack. Screenshot attached |
Loan modification,collection,foreclosure | My wife and I filed a Chapter XXXX because we had received a foreclosure notice in XXXX XXXX. The Chapter XXXX was discharged in XXXX of XXXX. I recently went to pruchase a home and the realtor said that the county records show that Bank of America transferred the deed out of my name to their bank in XXXX of XXXX. So because of the lending laws, I am unable to get a VA loan because it looks like my foreclosure is within 3 years. |
Other transaction problem | I wired {$7000.00} to my Coinbase account and it never showed up. The company said they could not complete the wire, even though it originated from the same account linked to my Coinbase account.
To resolve the issue, they said they would reverse the transfer and send it back to my bank account and that I should see it in three business days. The money never showed up. I would like the {$7000.00} returned to my bank account immediately. |
Cont'd attempts collect debt not owed | Cable TV I returned equipment and paid what I owed. They have me in collection. |
Closing an account | Chase bank closed my account at XXXX XXXX XXXX, no notice, no written notice, nothing, app still looks like my account is fine, they will not let me withdraw my money ( yes balance is positive ) nothing. Husband went to branch, they said 'we have the right to close your account, we are not telling you why ' we asked if we could have money for food, no, we have a XXXX year old who had nothing to eat. |
Improper use of your report | This complaint is regarding the Equifax security breach, wherein my information ( along with XXXX XXXX others ) was compromised in a cyberattack from XXXX through XXXX XXXX. The affected user accounts were not informed until XXXX XXXX. |
Fraud or scam | A few months ago I purchased some In-Game items on a server that I played on for in game items. and just recently the game has been taken down and all of my items have been lost. and I am overall requesting for a refund to my paypal account by the owner of this game. |
Application, originator, mortgage broker | XXXX XXXX XXXX California and Franklin Loans continue to violate the law with shared marketing agreements in violation of respa. they continuance to steer borrowers to pefered lender in exchange for compensation, XXXX |
Problem with a credit reporting company's investigation into an existing problem | I mailed out to Experian to add my Release of Lien via Document number XXXX by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX. |
Incorrect information on your report | I have requested, via certified mail, that Experian and XXXX remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not re-portable as per the FCRA, since they are inaccurate. |
Applying for a mortgage or refinancing an existing mortgage | I 've called Flagstar Banks home office several times & they will not change the report. They forclosed on my home in Michigan, since that time I 've been working on my credit. I have a good score to get another home. PROBLEM is now they are still say'ing I owe them for the home, even though your office is sending money from them. My closing date is in 20 days. What can I do??
XXXX XXXX |
Incorrect information on credit report | I have XXXX account on my credit report with XXXX that is not mine I 'm not an authorized person and nothing like that but it is appearing on my credit like they are mine so please take them off. |
Incorrect information on your report | I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines. |
Improper contact or sharing of info | Portfolio Recovery Associates has claimed I owe them {$680.00} on a charged-off XXXX card. A ) the account was charged off, B ) They have never provided legally sufficient proof of this. Further, they remove then reinstate the debt WEEKLY on my credit reports in order to extend the time it stays on my credit report. This has the effect of keeping my scores artificially low, and negatively impacts my financial status. |
Incorrect information on your report | I have been the victim of on gioing ID THEFT and have fraud items reporting on my credit report, I have enclosed supporting documents supporting this. Please remove the listed fraud items on the documents thank you Please correct my address to XXXX LA XXXX XXXX XXXX LA XXXX |
Problem with a credit reporting company's investigation into an existing problem | XXXX XXXX XXXX card opened on XX/XX/2015 is with a credit of XXXX keeps showing up on my transunion in my age of credit. Transunion said they would remove it as it so it does not show up in my age of credit. This card is currently still showing up in my age of credit.
I was told that this would be removed from my age of credit as soon as possible. |
Settlement process and costs | In XXXX of 2015 I placed an offer on a short sale home. I was told that US Bank ( mortgage holder ) requires 90 days to review the request. We are now approximately 214 days out without a response from the bank. |