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Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | TransUnion is in violation of the following Consumer protection laws under Title 15 of the U.S. Code ; on Tuesday XX/XX/2022 TransUnion was provided with a Notice of Fault / Affidavit of Truth in regards to the following violations.
Title 15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) 2 Counts Title 15 U.S. Code 1681 ( 2 ) 1 Count Title 15 U.S. Code 1681 ( 4 ) 1 Count Title 15 U.S. Code 1681a ( 2 ( B ) 2 Counts Title 15 U.S. Code 1681a ( e ) 1 Count Title 15 U.S. Code 1681b ( a ) ( 2 ) 4 Counts Title 15 U.S. Code 1666b ( a ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) 13 Counts Please see attached document for a copy of the presentment and US Postal Service Tracking Information |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 item/account/information below. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every TransUnion 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 items of information contained in a my file at TransUnion is 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 update the items 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 XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00} |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX.
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies.
List of accounts showing inaccuracies XXXX XXXX & XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX XXXX # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting. |
Debt collection | Federal student loan debt | SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages XXXX times and dates show XXXX along with screen shots of when they did the hard inquiry. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts and inquiry completely from my Credit Reports : Accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$58.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$56.00} XXXX Inquiry Date XX/XX/2020 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account.
Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree.
-If you question the results of our dispute process, you may also contact the furnisher of information directly.
I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to Buyers Holdings , LLC.
I then filed a complaint against Buyers Holdings , LLC on XX/XX/2022 CFPB Complaint ID # XXXX and Buyers Holdings , LLC stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX 3 LATE PAYMENTS
Credit usage
100%
Balance
XXXX
Balance updated XXXX XXXX XXXX
Credit limit
XXXX
Account info
Account number XXXX
Open/closed
Closed
Date opened
XXXX XXXX XXXX
Account type
Revolving account
Status
90 days past due
Status updated
XXXX XXXX Past due amount
$XXXX
Highest balance XXXX
Monthly payment
XXXX Contact info
Address XXXX XXXX XXXX XXXX, OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE |
Debt collection | Other debt | I have been receiving phone calls since at least XX/XX/2019 from an automated system that says they are from PayPal. There has never been any voicemails left or any type of communication via the mail or email. They are apparently trying to collect a debt in the range of {$7000.00}. I do not owe PayPal any money and the entire scenario makes no sense at all. I am unaware how a person would be able to get in debt considering that a person can only use whatever amount they have in their PayPal account. If there is no money, then no purchases or payments will be processed! I blocked the number, XXXX, because they call throughout the entire day, starting at XXXX EST up until XXXX EST. Also, PayPal is all automated and website based, so it is almost impossible to actually speak to a real person! I am being harassed constantly and it has been going on for months! This needs to end! |
Credit card or prepaid card | General-purpose credit card or charge card | I closed my Citi Thank You Premier Credit card account XX/XX/2019. While closing my credit card account I was NOT told that the reward points would expire within 60 days of closing the card. As a consequence I lost over 50,000 ThankYou reward points.
I called their customer service but they would not reinstate the points. I am quite certain that they did not inform me that the points would expire so I would like to get them back. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still an account that need to be DELETED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account be DELETED immediately.
XXXX XXXX |
Checking or savings account | Checking account | Called XXXX XXXX and spent two hours trying to close account. Submitted help desk ticket for IT assistance, and for two months XXXX kept calling getting routes to different departments : security, checking, business analyst, IT all making excuses that I couldnt close my account. I had an INC # for assistance to be escalated and no help. I keep getting the runaround and was told I needed my husband on the call to close it but then they said I didnt. No transparency and they admitted theres no other reason why I cant close my account : XXXX balance, no transactions for months. Also same issue with my savings. Ive spent over 20hrs on the phone getting routed. Then they wouldnt let me get contact info for litigation. |
Checking or savings account | Checking account | On XX/XX/XXXX, I was contacted by individuals who were claiming to be employees of XXXX XXXX. They were offering me a remote position for a XXXX XXXX XXXX. They explained to me that I would need certain items for my remote work station, and that they would be sending me money for equipment.
On XX/XX/XXXX, I received my first check of {$990.00}.
On XX/XX/XXXX, I deposited that money into my bank.
On XX/XX/XXXX, I sent the money via XXXX to what I was told was a " Company Approved Vendor '' that was going to be sending me my equipment.
Also on XX/XX/XXXX, I received a second check for {$950.00}.
On XX/XX/XXXX, I deposited the money into my account but the funds didn't hit until XX/XX/XXXX.
On XX/XX/XXXX, I sent the money via XXXX to another " Company Approved Vendor '' for equipment.
Later on XX/XX/XXXX, both the checks for {$990.00} and {$950.00} were charged back to my account, and it was evident that I was a victim of a very elaborate scam that lasted over a week.
The people involved were impersonating real employees of XXXX XXXX, which I ended up contacting and they confirmed it was not them that I was talking to.
When I woke up on XX/XX/XXXX seeing both checks bounced back, I immediately contacted my bank, Bank of America, and filed a complaint on both the checks and XXXX transfers that were a part of the scam. Last week, I was notified that I would not be receiving funds back from the check chargebacks, even though I have given them physical proof of the email conversations of the scammers and the actual employees of XXXX XXXX that confirmed it was not them I was speaking to.
Below I will attach 4 documents ; The fake email conversation with scammers pretending to be : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX are via email while XXXX XXXX is via XXXX XXXX.
Also, I will attach a conversation with the real XXXX XXXX on XXXX, with her confirming that it was not her in the XXXX XXXX conversation.
Also, I will attach the checks that I want a refund from that I mention in the resolution section. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi, The credit bureaus have been misreporting my accounts on credit reports.
I have started to dispute the bad information in it and I demand that you send me a response within the next 30 days of the status of my disputes and that they also correct / erase all errors in my report |
Credit card or prepaid card | General-purpose credit card or charge card | I am writing to inform you and to dispute a credit card issue. I was approved for a credit card with AvantCard on XXXX XXXX in the amount of {$300.00}. On XX/XX/2021 at XXXX EST, I received an email from AvantCard saying " this email is to confirm that your AvantCard has successfully activated!
I called customer service at XXXX and informed them that I never received a card, so how could the card be activated. The representative informed me that a statement was due in XXXX days and that the card was used in Washington DC. The representative proceeded to cancel the the card and said that a new card was issued.
I received the new card, activated that card and attempted to use the card and it declined. I called customer service again, and was told by the representative that I was responsible for a card that I never received. I also asked the question how was the card activated without a social security number.
I am kindly asking that this matter be investigated. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act they violated my rights.
Please delete the following items : XXXX - XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
XXXX5 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. |
Credit card or prepaid card | General-purpose credit card or charge card | I love my Citi Prestige card and always use it when traveling. My wife and I had a 2 week trip to Italy in XXXX, and we had huge security problems while staying at 1 specific hotel. I had originally booked 2 nights, but had to leave in the early morning after the first night. Security deposit box wasn't working, door wouldn't close ( physically close ) so we had to take turns sleeping and watching the door. It was an ordeal. This was reported several times to reception, but was never addressed and we had to leave asap next morning and find ( and pay at higher rates since it was at the last moment ) for another hotel. I submitted a dispute through Citi Bank for partial credit ( 1 night out of 2 ), since Hotel refused to refund us. Citi had our backs ( thank you Citi! ) and resolved the dispute in our favor. Again, for partial credit, not the whole amount since I'm not trying to scam anybody. However, I received a very confusing letter a few days ago asking for signature and to provide proof. I'm not sure what I'm supposed to sign or provide, if I had already provided my statement when I submitted my dispute and Citi already resolved the dispute in my favor permanently ( not temporarily ) and sent me a letter stating the matter was closed. |
Checking or savings account | Checking account | I went to Wells Fargo 's XXXX XXXX location in XXXX, Tennessee for a scheduled meeting to conduct a wire transfer. I met with my private banker XXXX XXXX at XXXX XXXX CST. I opened an account for a safety deposit box and then moved forward to make a wire transfer. I was attempting to make a wire transfer of {$320000.00} to a company I do business with in XXXX. XXXX explained that she was going to need to call for a code to complete the transaction. She called to request the code and was placed on hold for 15 minutes. When someone picked up the phone it was a gentleman named XXXX. He proceeded to ask XXXX : how long have you known Ms. XXXX? Why is she sending this size wire? Why would anyone pay her this much money? Can you send me a copy of her driver 's license? He then puts her back on hold for another 36 minutes. When he comes back to the line, he tells XXXX he is opening an investigation into the wire. I was shocked and alarmed by this statement.
XXXX apologized for his behavior. I later received a call from an XXXX in the fraud department telling me my account is being closed because the wire was being recalled because of fraud. I asked her why was that the case when I had submitted a Client Information Sheet, Anti-Money Laundering agreement, an engagement agreement, a copy of the sender 's passport, and a copy of the wire transfer slip to my local branch. She said the wire was being recalled and it was nothing I could about it. I told her I was filing a complaint because this was the second time in a year I have had problems with Wells Fargo regarding large deposits into my account. Last year I had {$250000.00} deposited into my account and I was accused of money laundering.
I spoke to the sender of the wire and she did tell Wells Fargo she was going to recall the wire because she did not like the questions they were asking her. She did go to her bank on Tuesday, XX/XX/2021 to let them know she was not recalling the wire. |
Credit reporting or other personal consumer reports | Credit reporting | I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Wednesday XX/XX/XXXX I contact XXXX XXXX in regards to the excess of credit inquires on my credit report. I spoke to a rep By the name of XXXX XXXX. I explain to him clearly that the information on credit report was due to the recent security breach that XXXX XXXX tries to fix but failed miserably. XXXX XXXX has put this unverifiable inaccurate frivolous information on my credit report and refuse to remove. The unauthorized information has brought my score down 9 points. Here is a list of inaccurate inquires that are reporting.
XXXX XXXX on XX/XX/XXXX XXXX XXXX REPEATED XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report.
XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Debt collection | Medical | Good evening.
On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck.
Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me.
I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet.
My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not.
B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice.
C ) I should not be held liable for debts my ex has incurred since our separation.
D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship.
E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues. |
Student loan | Federal student loan servicing | Ive been paying XXXX or XXXX XXXX for about 2 years now and just found out it is a scam company! I am trying to get my money back! There is no contact number and the XXXX cant help because they said no information on file. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings.
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights.. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was looking over my credit report and noticed some information that looked kind of weird. Please investigate this and remove all incorrect and unverifiable information and send me an updated copy of my report please. Thank you. I'm trying to get a house and I can't do it with this crazy stuff all over my credit report. LOL Thank you for all of your hard work and dedication. I appreciate you so much. |
Student loan | Federal student loan servicing | Regarding Navient Account Number XXXX I was paying about {$130.00} monthly to Navient through autopay.
I made a {$4000.00} payment last week to pay down my loan.
I just checked my bank statement and found that Navient charged me {$190.00} for no discernible reason.
I called Navient customer service to find out what the {$190.00} payment was for, and they COUD NOT tell me. Nor would they refund my money while they did their internal investigation.
They basically went into my bank account and took an UNAUTHORIZED PAYMENT and can't even tell me what it's for. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.
Here is the list of items that do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Information on a AARP Chase Bank - I requested a credit line increase. Chase reports incorrect information on my record. I have contacted XXXX XXXX. This is a critical report that was created by Chase to deny an increase in line of credit. The stated " The reporting agency played no part in our decision and is unable to supply specific reasons why you have been denied credit to you. '' I am a XXXX-year old senior and have never had a problem with my credit. Recently I applied for a {$15000.00} loan and it was approved. I call this discrimination against a senior citizen> Please help. |
Credit card or prepaid card | General-purpose credit card or charge card | As I am a XXXX XXXX XXXX XXXX XXXX holder, I opened an NFL Visa card with Comenity Bank due to their preferential zero-interest terms for XXXXXXXX XXXX XXXXXXXX. Comenity 's terms and conditions specify that " special financing '' applies for XXXX XXXX XXXX of {$250.00} or more made at XXXX Team Ticket Offices, XXXX, XXXX, and XXXX with your NFL Extra Points Visa Credit Card ''. In addition to special financing, previously mentioned purchases are eligible for XXXX XXXX rewards rate as opposed to the normal XXXX XXXX rewards rate.
On XX/XX/2022, I paid for my XXXX XXXX XXXX XXXX tickets of {$3500.00} directly through the XXXX XXXX XXXX XXXX. The listed vendor on my statement was XXXX XXXX XXXX XXXX XXXX XXXX a clear indication that the above conditions were specified. However, I was assessed interest charges as well as received the normal XXXX XXXX rewards rate rather than the XXXX XXXX rewards rate. I was assessed a {$45.00} interest charge on XX/XX/2022 and a {$31.00} interest charge on XX/XX/2022.
I have attempted to contact Comenity Bank through their secure message portal and by phone. Comenity Bank has had " system updates '' that have had their listed phone number be no longer in service and " high call volume '' that have caused multiple phone calls to have over an hour of waittime without reaching a representative. I have been unsuccessful in contacting Comenity Bank to find a resolution to the above issues. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Called XXXX and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that XXXX has not reached out to them and that they have not verified any information. I was informed that XXXX uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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 611 - 15 U.S.C. 1681i 59 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 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 a reseller 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 the consumer 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 ).
I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX XXXX does not belong to me. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | The HELOC is a secured loan on a property that was foreclosed. The foreclosure date is XX/XX/2012. I stress that the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act XXXXXXXX these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | To CFPB From Consular Court Tribunal Case No XXXX Fraudulent Claim XXXX XXXX, XXXX, XXXX ... Failure to release title for vehicle. Identity theft reporting debt on a XXXX XXXX XXXX using the petitioners XXXX without consent or knowledge of princess XXXX XXXX XXXX.
More over their attempt to file a illegal lawsuit failed Cc Case No XXXX XXXX XXXX XXXX XXXX is not a party to their legal claims nor a party to the Complaint filed on XX/XX/XXXX after a Default Judgement was entered against XXXX XXXX XXXX etc, .. et. al, ... on XX/XX/XXXX in the XXXX XXXX XXXX therefore the XXXX XXXX accepted the removal from the XXXX XXXX XXXX etc, .. and allowed the matter to be Void due to the insurmountable amount of evidence against the filing parties on XX/XX/XXXX.
Notice the Electronic title document blacks out the title no. and the XXXX XXXX XXXX XXXX. which is the petitioners XXXX showing the last number only.
MY CLAIM CFPB CLAIM No. XXXX Cc American Declaration of the rights of XXXX people Cc XXXX Order XXXX XX/XX/XXXX.
Automobile paid in full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Offering refused by XXXX XXXX XXXX of XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX.
XXXX and XXXX XXXX and or its parent co. XXXX XXXX filed a fraudulent claim on XX/XX/XXXX. Well after the petitioner herein known as princess XXXX XXXX XXXX filed her claim within the XXXX XXXX XXXX.
XXXX XXXX. TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
TENDER OF PAYMENT. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
This was exposed by Experian on or about XX/XX/XXXX Cc : the Statement of identification by affidavit consul claimant envoy princess XXXX XXXX XXXX with the proper spelling and ex rel title appellation and name [ XXXX ]. Not XXXX XXXX XXXX or XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX none of these improper spellings by defamation are her name. The Experian employee stated that there would be a legal matter filed as it was XXXX the first paragraph.
On XX/XX/XXXX XXXX was to appear within the XXXX XXXX XXXX by way of XXXX XXXX and failed to do so. On XX/XX/XXXX they hired a law firm by the name of XXXX XXXX XXXX XXXX location XXXX XXXX by way of XXXX other locations hiding their true identity as XXXX XXXX XXXX XXXX filed under the name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
The property alleged to be in debt is held within a XXXX. The name of the XXXX is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX whom they really are as a XXXX or XXXX XXXX and such the like, filed the claim against a XXXX XXXX XXXX with XXXX XXXX 's. As such doing vetting and due diligence as we in this jurisdiction do, we researched the name. The woman named XXXX XXXX XXXX does not exist in XXXX XXXX XXXX where the case was filed but is located in XXXX XXXX and or XXXX.
Nonetheless the case was filed. After multiple attempts to file into the case in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the XXXX being illegally misused in the case, XXXX XXXX order XX/XX/XXXX XXXX in chambers stating that the woman XXXX XXXX XXXX XXXX is not a party to the matter only a XXXX XXXX XXXX XXXX XXXX XXXX 's.
This XXXX XXXX XXXX along with the XXXX XXXX XXXX XXXX XXXX XXXX supported by the XXXX XXXX United States Dept of Justice and the XXXX XXXX are working together or coordinating the facts, evidence and preparing a trial after said investigation and or discovery.
The part of XXXX XXXX XXXX XXXX - Their hand is heavy and have filed liens taken private property as of XX/XX/XXXX XXXX located in California in the by the XXXX XXXX XXXX XXXX XXXX no extra XXXX as they filed it in XXXX XXXX. They partook in what the former head of XXXX XXXX XXXX an Adverse Possession '' not a foreclosure, by changing the XXXX numbers of the property and recreating a new title. For the property just as the property located within her XXXX is clearly tendered in full. This matter is now in the Jurisdiction of the Consulate and the XXXX XXXX XXXX along with Coordination Divisions with the XXXX XXXX United States Dept of Justice and the XXXX XXXX.
XXXX VI Clause XXXX This Constitution, and the Laws of the United States which shall be made in XXXX thereof ; and all Treaties made, or which shall be made, under the XXXX of the United States, shall be the XXXX XXXX of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any State to the Contrary notwithstanding. XXXX Supremacy of Federal Law XXXX Supremacy Clause XXXX Supremacy Clause : Early Doctrine XXXX Dual Federalism in the XXXX and Early XXXX Centuries XXXX Supremacy Clause : Current Doctrine |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Discovered US BANK did a individual inquiry ( without my permission ) on XX/XX/2020. Of course because of this, my credit score was lowered by a lot of points, When I'm trying to get my credit score higher.
I contacted the phone number, XXXX and their address is : XXXX XXXX XXXX XXXX, XXXX, MN XXXX.
Spoke with a bank agent and she had no clue why this happened and couldn't give me a straight answer. I'm really upset here and it appears this is FRAUD. Which needs to be addressed immediately.
Need to have this removed from all three credit reporting agencies and I want my points back that was stolen, because of this fraudulent injury!!
The main number for US BANK is XXXX. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I'm a victim of the 2017 XXXX data breach my information was leaked on to the Dark web please delete the fraudulent accounts that we opened in my name XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach |
Checking or savings account | Checking account | I can not access my online banking. I have been waiting hours for my account to be accessible. As a consumer of td bank I dont believe I should have to constantly wait for the issues the company is experiencing technology. |
Debt collection | Medical debt | Recieved 2 derogatory marks on my credit report never heard or recieved a letter from the company about the account to dispute. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX 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 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXXCBNA Closed : XX/XX/XXXX {$0.00} Closed Overview You're currently using 0 % of your account 's limit.
Balance {$0.00} Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 9 yrs, 9 mos ) Payment History Last payment -- Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Authorized User Remarks Account closed by credit grantor Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX It was taken out by my Mom & Dad not me |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXXBalance : {$870.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXXBalance {$1300.00} |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect third party credit reporting |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!
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 |
Credit card or prepaid card | General-purpose credit card or charge card | My wife and I had open our XXXX chase card XX/XX/XXXX, After they recently changes the free annual night has left off a gap from customer that would of never received an uncap night due to your recent change. It is greatly disappointing and unfair that a small pocket of loyal customer that will never get an uncap night since their rule exception for XXXX - XX/XX/XXXX customers. It should be extended to include any applicant from XX/XX/XXXX to XX/XX/XXXX to cover that small group that original applied to the card expecting a uncap night per the terms.
This was the exact terms - After your account anniversary date, youll receive an Anniversary Free Night at any of the over XXXX XXXX hotels worldwide.1 Footnote There are no blackout dates and no restrictions. Look for your free night on your XXXX XXXX XXXX account.
https : //www.chase.com/XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt.
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt.
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
* All statements while this account was open.
* Have any insurance claims been made by any creditor regarding this account?
* Yes * No * Have any Judgements been obtained by any creditor regarding this account?
* Yes * No XXXX, Equifax and XXXX never responded!
Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self.
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XXXX XXXX XXXX. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.
XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$390.00} |
Debt collection | Medical | Hi, I had previously filed a complaint with your company regarding this debt collection agency. They had stated to you guys that they had found the accounts in question, and claimed to have requested removal from all my credit bureaus. I have n't seen it yet!!!!!!! The accounts were under my maiden name which I do not use anymore. This is pathetic that I have to contact you guys regarding this! This was from GLA Collections Company. |
Checking or savings account | Checking account | On XX/XX/XXXX, I tried to close my checking account with Citibank due to an earlier issue with fees and confusing marketing. Because of Citi 's failure to properly staff their customer service teams, I was unable to get through. As a result, I have been charged {$92.00} in fees. When I later managed to get in contact with a rep, she told me that she couldn't close my account because of the fees. |
Checking or savings account | Checking account | Chase bank has charged me extended overdraft fee. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 report plan as late for purpose. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Someone used my personal information to open a fraudulent account that resulted in a charge off on my credit.I didnt open this account and didnt know of its existance until I received an alert on XXXX XXXX that I have a charged off account.
Please see the attached Federal Trade Comission report and remove this account from my credit profile as its NOT MINE> I paid the balance that was due |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Showing on report as late when account was never issued to me in writing or given permission to report |
Debt collection | Other debt | Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) Violation of the FDIC Consumer Compliance Examination I am aware of your violations, and I am prepared to protect myself and my rights from unscrupulous collection agencies.
On my credit you have willfully reported an unverified and disputable debt to the credit bureaus and that is a violation of the Fair Credit Reporting Act. You have failed to verify the debt as accurate ; you have provided no proof of this alleged debt.
I highly doubt that this debt is worth your agency 's license and the fees and penalties for violations of the FDCPA. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions.
I did not receive anything absolute proof from you, and you did not provide anything by the original creditor.
I will take action against you for these violations and abuse.
Remember, the debt buyer must be able to provide me with a copy of an assignment of the debt that specifically includes the debtors. A competent and valid evidence that I have some contractual obligation to pay you.
Which you failed to do AND you posted on my credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SEQUIUM ASSET SOLUTIONS is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. |
Debt collection | Credit card debt | XXXX XXXX XXXX XXXX has sent collections letters stating I owe XXXX {$400.00} ( shown as {$400.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. An copy of billing statement is not acceptable verification. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.
According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies.
1. XXXX XXXX XXXX Account # on XXXX is XXXX.
2.Account # on Equifax is XXXX.
3.Account on XXXX # XXXX.
4XXXX reports last updated XXXX XXXX 5.XXXX reports account was XXXX XX/XX/XXXX XXXX reports last updated XX/XX/XXXX XXXX reports last updated XX/XX/XXXX 1.XXXX reports Account # on Equifax XXXX XXXX XXXX XXXX reports Account # XXXX 3.XXXX reports Account # XXXX 4. XXXX reports last update XX/XX/XXXX XXXX reports last update XX/XX/XXXX 6XXXX reports last update XX/XX/XXXX XXXX reports Account # XXXX on XXXX 2XXXX reports Account # XXXX 3. XXXX reports Account # XXXX 4XXXX reports last update XX/XX/XXXX XXXX. Equifax reports last update XX/XX/XXXX 6.XXXX reports last update XX/XX/XXXX XXXX |
Debt collection | I do not know | You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party! |
Checking or savings account | Checking account | On XXXX / XXXX / XXXX , I received a summ ons from my county fr om XXXX XXXX XXXX , XXXX that was filed against me to repay a loan for the amount of {$140000.00}. The loan was obtained and opened using my identity, without my knowledge or permission, on XXXX / XXXX / XXXX . A Wells Fargo business checking and savings account was opened in California using my identity, without my knowledge or permission, utilizing fraudulent practices that intentionally overlooked the fact that I reside in South Carolina and had been a signer on another account for more than 20 years. Even though my identity was used to open the Wells Fargo account s, my authority to be a signer was thus removed so that I would not be able to withdraw any funds. The aforementioned loan company disbursed the proceeds, by wire, into the Wells Fargo business checking account on XXXX / XXXX / XXXX . Within 3 days, without imposing reasonable security restrictio ns, Wells Fargo 's team member ( s ) allowed more than {$98000.00} to be withdrawn. {$94000.00} was withdrawn in cash and more than {$3000.00} was taken through POS transactions. The cash withdrawals were allowed to be made within hours of each other. However, I am not sure if they were done at the same site or by the same Wells Fargo 's team member. I was invited into mediation with Wells Fargo and a third party mediator from XXXX on XXXX / XXXX / XXXX . The mediation session ended with the mediator suggesting what he thought to be a fair monetary com pensation proposal. At that time, the amount was n't disclosed to me and I was informed that the Wells Fargo representative did n't have the clearance to give me the suggested amount, but another mediation session would be scheduled for the next week once clearance was given to conclude the matter. I requested to continue with the same mediator and in good faith agreed to continue a week later. I was contacted by another Wells Fargo representative two weeks later, told that no monetary offer was made, and no explanation was given of why the second promised mediation session did n't take place. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. On XX/XX/XXXX, I have submitted a claim but did not comply with all the requests. arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2020 I was submitted Disputes letter regarding to those inaccurate and unknown accounts on my credit report. Over 30 Days now but I didn't received any response. I was a victim of Equifax Data Breach. I demand to Deleted those account ASAP or I will file a litigation. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Ive never ever heard of elan financial or the bank |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I an a natural person, I am a living human being, I have rights under 15 U.S.C 1681 Equifax is govern by 15 U.S.C 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 U.S.C 1681 : I have the right to privacy and I did not give Equifax written permission to furnish theses accounts XXXX Card Services XXXX XXXX XXXXXXXX |
Credit card or prepaid card | General-purpose credit card or charge card | I have had a Capital One credit card for over 25 years, I have carried a XXXX balance for the past couple of years until I used it one time in XX/XX/2022. I paid the entire balance of XXXX off in XXXX. Apparently at the end of XXXX, I was charged a {$29.00} membership fee that I was not aware of. On XX/XX/2022, i was charged a late fee of XXXX on the XXXX membership. On XX/XX/XXXX, I was charged XXXX interest on the membership fee. I called to have these fees reversed for charging me a late fee on a fee, but they could not guaranty the fees would be removed to a XXXX balance. The card remains opened, I agreed to pay the membership fee, but not the fees or interest on a fee. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | There are inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Checking or savings account | Checking account | On XX/XX/2022 at XXXX I received an email from Chase Bank stating my new Chase XXXX XXXX account is open. At XXXX XXXX I received another email from Chase that my email address had been changed as requested. I did not open an account with Chase Bank. I went to Chase and they verified I had an account with my name, date of birth and social security number. |
Debt collection | Other debt | American Coradius International LLC ( ACI ) has been calling my number 3 times a day for the last 45 days ( more than ~130 calls in total ), claiming I owe XXXX XXXX , {$790.00} in debt. I have have or have had a XXXX account.
They provided the following information : Account number : XXXX Reference number : XXXX Amount : {$790.00} After multiple attempts of me telling them to stop the harassing and repeated calls, throughout the day, they have still continued to call me and recently also sent me mail via USPS on XX/XX/2019, demanding that I pay this debt that is not mine.
I called XXXX ( who ACI claims is the original creditor ) and they confirmed that I had no accounts, amounts owed or any form of debt with them. It appears that ACI is trying to scam me ( and others ) by creating fake debt collection requests without any authorization or demand from original creditors.
The Debt Recovery Agency 's full name and informations is as follow and appears fictitious. Oddly, they provide two addresses for their operations which is very suspicious as well.
American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | To Whom It XXXX Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. |
Checking or savings account | Checking account | Approx one year ago near end of the summer, Wells Fargos app allowed about XXXX XXXX worth of already submitted checks to spoof my checking account. In turn, it took me down and at the peak of the lowest point after losing my main job and pt job, wf pushed to then top my succumbed pandemic life to a breaking point. It wasn't just my own money they continued to XXXX out of my account but I could not for the life of me actually get a person with some kind authority on the phone. After missing a full day 's work 1 month later and 13 csr reps later, my " escalated " tears were DONE at that point. JUST TO GET SOMEONE TO HELP ME attempt to retrieve not only MY money from their ridiculous made up fees in which I never had before but my regular customers were pushed to the brink of firing me after taking them and running THEIR money / checks through the wringer and charging back THEIR accounts. One family of XXXX was in the process of buying their new home! Wells Fargo RUINED THAT. 2nd regular attempted to threaten me since she ASSUMED that it was I who was running those old checks through twice! Said she would pursue legal action. 3rd customer was the ex wife of a police officer who was forced to open up a fraud charge on her end! And Wells Fargo spoke of NOTHING from the jump to me, their own customer. Not an email, phone call, NOTHING. I was forced to find all of this out BY the customers who were continually losing money from their accounts being drained, put back, fees, then drained again because it was all gradual and lengthy as to money flip flopping. SINCE this happened my accounts, Yes saving too! Has fees showing up, chareback fees, you name it. I've attempted to close my checking down 7 times already. 4 times by phone. I've been hung up on because I refuse to start their idiotic processes with these petty cars who wouldn't know what to do if you put them behind a desk. Seriously the competence levels are pretty shallow and being a customer having to reap all this, I AM ANGRY. VERY. I HAVENT SEEN A DROP OF my own paycheck deposits in approx 6 weeks as of current. Shortly before this, I RANDOMLY received a {$270.00} check for " error " from Wells Fargo. LITERALLY a Wells Fargo cashiers check and the letter not explaining WHAT exactly it was for but explaining how I needed to cash it AT Wells Fargo so there wouldn't be a " fee ".
The audacity behind all this led me to deal with the biggest branch between two cities and I went straight to the top to the branch mgr. Wonderful guy. Tried to help as much as he could but because ( then ) wf had drug it out so long without a callback after all those escalations ( there were more days I had called as well ) ( it's all notated in their call logs ) I have my original account information which plainly states what I agreed to. My question is, when did Wells Fargo change the rules without letting anyone know such as myself! They as a whole entity KNOW this was mishandled. All of it! As of current, I'm thousands of dollars in the hole and I just want to be rid of them, that bank for the last and final time. BUT. IM not leaving without what's rightfully mine! And my previous regulars need their fees and money back in their accounts that Wf was so quick to take out. I had been a customer since XXXX and THIS first incident had NEVER happened. The app was designed to not let any human resubmit any check. It would actually vibrate to grab your attention. But it would also have an exact copy, the date, time stamp and when submitted by user. I used this to notate for my own records. At that time, catching up on 2 to 3 months of checks behind. It was never an issue, ever. The app was precise and right or correct down to the very red cent. That Saturday rainy mid afternoon, was a total shock. So shocked my husband had taken notice and asked why I hadn't Submitted XXXX XXXX worth of hard work I had previously done. THAT wasn't like me. So to dbl check, that app workED flawlessly until that fateful day. I lost all job, close to still losing my own home, can't currently pay any bill so my insurance will lapse on home and auto. It keeps getting worse. All due to this slippery slope of a nightmare. I have also kept every paper sent to me by Wf. From the recorded phone calls to the ridiculous amount of pettiness by their cars, I seriously am an inch from the deep end no thanks to Wells Fargo and it's " loyalty ". |
Debt collection | Medical debt | Progressive Management Systems is continuing to report an old debt that is n't mine. This debt is past the statute of limitations on the collection of debt and the y need to delete it . |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have the same error on my XXXX credit report, and my Experian credit report. XXXX won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong.
This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names.
The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX and Experian state that this account has been opened on XX/XX/2017. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions |
Debt collection | I do not know | I received a letter in the mail stating I owe {$1800.00} to Midland Funding and/or XXXX, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both Midland Funding and XXXX to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!! |
Debt collection | Other (i.e. phone, health club, etc.) | This business was contacting me regarding an old debt from XXXX XXXX. I had communication with them in XXXX regarding the account and was told it was perged and would not be reporting. I think got XXXX XXXX to delete it. Now in XXXX they reported to all three credit bureaus and have prevented me from getting a mortgage I worked the last year and a half for. I 've tried to contact them but every employee tells me something different. They call my work, my parents house ... It is basically ruining my life. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the Metro 2 Reporting Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention.
The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Metro 2 Reporting Format, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness.
It is imperative that you adhere to the Metro 2 Reporting Guidelines in examining each disputed item.
In accordance with the Metro 2 guidelines, I request the immediate removal of any verified accurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made.
I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the Metro 2 guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.
I kindly request that you carry out the deletion process within 3 business days to comply with the guidelines.
Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Due to previous fraud and or my personal information being exposed. I am requesting for the information of my current Employer, to be removed from being visible on my credit report. This is not acceptable for my job employer to be exposed on my credit report. Please removed immediately from all 3 credit bureaus. As I observed when checking my credit report for unauthorized activity. |
Checking or savings account | Checking account | XX/XX/XXXX a loan scam gained access to checking account and disputed charges made on that debit card. Scammer made it appear that a personal loan had been processed and added to the account. At this point XX/XX/XXXX repayment of the loan was processed in order to improve customers credit rating. XX/XX/XXXX the situation was discovered and customer went to the bank who initiated a new account as the old account had been compromised XX/XX/XXXX his social security check which had been diverted to the new account was seized along with {$55.00} he had used to initiate the new account. Apparently the debt collection department had linked his old account with the new account making the new account responsible for the debt on the old one thus making both insolvent XX/XX/XXXX client along with XXXX XXXX XXXX went to the branch office sought a resolution of the seizure and was put in touch with XXXX at the executive office in order to review this. XX/XX/XXXX statements made that a repayment was approved and sent so so the vendor was contacted to look for this repayment. He was reassured that no more Bank seizures for voluntary repayment would be done against his account. It was already too late to divert his social security check anywhere but the current account. XX/XX/XXXX after reviewing the events of the holiday weekend it was discovered that not only did his payments not return to the vendor but his XXXX social security benefit had also been seized. Several additional calls to dispute resolution and executive office were made and we were given various stories about where the payment might be either with XXXX or with the bank for the third party vendor XXXX. executive office informed us that XXXX was on maternity leave and that XXXX would be able to help from here out no repayment of either of his Social Security checks was ever accomplished. XX/XX/XXXX after being told in numerous calls to dispute resolution that payment should be available to XXXX by XX/XX/2022 we were then told by XXXX at Chase dispute resolution a manager that by close of business XX/XX/XXXX funds should be available to the vendor XX/XX/XXXX after contacting Chase once again spoke to a manager in dispute resolution who indicated that confirming through back channels the payment had been resolved on XX/XX/XXXX. All parties to the dispute the landlord the XXXX and the customer we're on the line during this conversation none of which worked with the bank they sent the payment to they sent the payment to some account at XXXX Bank neither the vendor the landlord or the customer were using XXXX Bank. Chase Bank refused to acknowledge their problem with this transaction and work to resolve it we were elevated but then cut off at which time we contacted the executive office our last resort. After 35 minutes on the phone with them we asked to be sent to a manager who could resolve this as this was just an intake worker trying to input the information and have it sent to a manager to investigate. This is now 61 days into this dispute, and no one has been repaid |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 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. |
Debt collection | Other debt | Innovative Recovery , Inc. continues to pursue collection of a debt they know to be entirely invalid. The claim is on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX ), for a fabricated account ledger.
Background : In 2018 XXXX terminated my lease and evicted me from the apartment. It's worth noting that I had never been even 1 day late on any rent payment in 6 years living there. The eviction was part of a group of 30+ evictions of longstanding tenants, immediately following a change in management. This is a matter of public record ( XXXX XXXX magistrate court ).
At the eviction hearing, they and I signed a consent agreement sating that " Tenant agrees to vacate the property on or beforeXX/XX/2018 at XXXX XXXX XXXX Plaintiff dismisses its monetary claim. '' I vacated by the agreed-upon date and left the keys in the apartment ( they did not have a drop-box ). I have photos and a moving receipt to corroborate that the apartment was in-fact left vacant ( and clean ) on the required date.
Despite my move out as agreed, they decided to file a collection for all rents due through the original lease end date, plus late fees, utilities, and interest totaling {$8500.00}.
The lease itself states that " In lieu of liability for the remainder of the lease term for breach of the lease... Management shall be entitled to recover liquidated damages from Resident in the amount of {$1100.00} as the estimated rent that will come due after management obtains possession of the apartment through either the end of the lease term or the re-letting of the apartment to another resident. '' And, that {$1100.00} ( equal to a single month 's rent ) was dismissed by the court order.
No balance is due on this account.
I have repeatedly sent all of the documentation and supporting information to Innovative Recovery and requested that they send me a written notice that the claim has been dismissed and the account closed. Instead, they entirely ignore my requests, and continue to send me statements demanding payment of the false debt.
Calling them is of no help, as their representatives only ask how I will pay them, and hang up on me as soon as I tell them the debt is invalid and won't be paid.
They have previously reported this false debt to my credit report, causing damage to my credit, resulting in declined credit, and costing me higher interest rates and therefor significant expense. They have since removed it from my credit reports, with no trace of it having been there ( though I have the prior reports showing it ), after I informed them I intended legal action for their violation of the FCRA.
The fact that they removed it seems to indicate that they are aware it is invalid. Yet, they continue to harass me for payment, in direct violation of the FDCPA. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX |
Debt collection | Auto debt | This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report.
XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} Acct # : XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was denied by XXXX XXXX XXXX and I went and looked at my credit and I still see items on there that are not mine. I have reached out before and thought it was taken care of Please remove these accounts from my credit so i can do what I need to do for my family. There is an account with no name but the account # XXXX, 1 XXXX XXXX XXXX XXXXXXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I noticed some inquiries as well that are not mine. I contacted the FTC and local police. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2022 I have requested that Experian conduct an investigation on two tradelines XXXX and XXXX that are fraudulent in nature and reporting on my credit report and XXXX as well as a fraudulent address XXXX XXXX XXXX XXXX XXXX I also requested on that same letter that my XXXX XXXX accounts be updated as current as well as the XXXX XXXX account be updated as current because these accounts where never late. I also tried to file a claim with XXXX XXXX XXXX XXXX that I pay for and that they are not assisting me in receiving the claim. They have violated the law in not updating my reporting and I am asking that they notified of their violation as I have reached out several times with no results and have not since requesting the investigation on XX/XX/2022 received any updates as of XXXX so I submitted a demand to comply on XXXX and I have included the letter in with my complaint. Thank you for helping me to regain accuracy in my credit reporting. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | YOUR RESPONSE HAS TAKEN MORE THAN 30 DAYS DELETE ACCOUNTS AT ONCE. Please Follow Suit and remove the following accounts from my credit report ASAP. If you fail to due so you will be breaking the FCRA rules and laws. In this complaint I will attach a follow suit letter. Proof of XXXX deletions, and the original letter which you failed to respond to within 30 day time period will be all be attached to this complaint. As a result you guys must delete these accounts due to privacy consumer rights at once.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNT HAVE BEEN REMOVED FROM OTHER BUREAUS PLEASE REMOVE AT ONCE. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | To whom it may concern, I, the consumer, am making a direct dispute to the companies listed. I am challenging the INTEGRITY and ACCURACY of all the adverse information listed in the attached letters and identity theft report. Please provide me with written disclosures of who you corresponded with about this dispute. Please be aware of the definition of investigative consumer report. 15 U.S. CODE 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and 12 CFR 10222.43 ( a ) General rule. Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to : ( 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; ( 2 ) The terms of a credit account or other debt with the furnisher, such as direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; ( 3 ) The consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or ( 4 ) Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S. CODE 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately DEPTEDXXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX ( XXXX ) - XXXX XXXX XXXX XXXX DEPTEDXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX |
Student loan | Federal student loan servicing | After being guilted and begged, I reluctantly co-signed a student loan for a friend through XXXX XXXX . We had a falling out a few years later and she cut off communication and moved out of state. Some time not to long after, XXXX XXXX contacted me about the loan being behind. I brought the loan current and was told that if I made on time payments for two years that I could be released from the loan. I made my payments but shortly before the two years w as up, the loan was transferred to Navient. At the end of the two years, I contacted Navient and was told they have no such policy and refused to honor my agreement with XXXX XXXX . Six years later, I am still making payments with no end in sight an d Navient still r efuses to help me by going after XXXX XXXX , the primary loan h older. Navient could care le ss who pays the loan as long as they get their money.Navient should honor what XXXX XXXX told me and release me from my obligation. I understand the commitment that I made co-signing but the intent was to help out here or there with a payment, not have the entire loan dumped on me. As far as I see it, this was a criminal/fraudulent act by XXXX and should be treated as such. |
Credit reporting or other personal consumer reports | Credit reporting | 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. |
Credit card or prepaid card | General-purpose credit card or charge card | Used Synchrony/Sam 's Club XXXX regularly paid off balance every month XX/XX/2022 balance was paid off by XXXX XXXX XXXX was not applied to my statement appealed statement and provided proof of funds transferring from bank account to Synchrony back and forth with Synchrony for several months eventually, Synchrony double billed me for the original charge and refused to credit account now, trying to get loan for kid to attend college and an adverse report on my credit prevents me from getting student loan |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX XXXX saying that they account is paid in full and that they are refusing to send me my XXXX oid XXXX and XXXX tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the XXXX i request. So can i get treated equally with full faith and credit. |
Debt collection | Credit card debt | Sent previous dispute to collection agency along with previous correspondence informing the debt is not validated and that I do not have any delinquent accounts with creditor. Also reached out to creditor XX/XX/18 to confirm that there aren't any past due or charged off accounts. Any account I previously held with creditor has been paid in full and is reflected as such on my credit report and my current account with the creditor is in good standing. |