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HPE AI Solutions 2

2016-06-03

Debt collection

Other (i.e. phone, health club, etc.)

Disclosure verification of debt

Right to dispute notice not received

ARS # XXXX I need to see documentation that Account Resolution Services has my signature that authorizes them to even have a copy of my medical records. I do not wish to do business with they company concerning my Medical debt and they can return my records back to the Dr Office this is a HIPPA ACT violation. I understand that a contract exists between me and the 1st party, but what obligation do I have at all to these everchanging array of 3rd parties? I have never heard of them, have no written contract with them and never received any benefit from them. I do not see them being in compliance with basic standard of OHIO LAW ( A ) ( 1 ) As used in this section, " collection agency '' means any person who, for compensation, contingent or otherwise, or for other valuable consideration, offers services to collect an alleged debt asserted to be owed to another. ( 2 ) " Collection agency '' does not mean a person whose collection activities are confined to and directly related to the operation of another business, including, but not limited to, the following : ( a ) Any bank, including the trust department of a bank, trust company, savings and loan association, savings bank, credit union, or fiduciary as defined in section XXXX of the Revised Code, except those that own or operate a collection agency ( b ) Any real estate broker or real estate salesperson, as defined in section XXXX of the Revised Code ( c ) Any retail seller collecting its own accounts ( d ) Any insurance company authorized to do business in this state under Title XXXX of the Revised Code or a health insuring corporation authorized to operate in this state under Chapter 1751. of the Revised Code ( e ) Any public officer or judicial officer acting under order of a court ( f ) Any licensee as defined either in section 1321.01 or 1321.71 of the Revised Code, or any registrant as defined in section 1321.51 of the Revised Code ( g ) Any public utility ( h ) Any person registered to sell interment rights under section 4767.031 of the Revised Code.B ) A collection agency with a place of business in this state may take assignment of another person 's accounts, bills, or other evidences of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency. ( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection. ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or codebtors. ( 4 ) Upon the effective date of the assignment to the collection agency, the creditor 's account maintained by the collection agency in connection with the assigned account, bill, or other.

Company believes it acted appropriately as authorized by contract or law

HCFS Health Care Financial Services, Inc.

OH

43147

Consent provided

Web

2016-06-07

Closed with explanation

Yes

No

2017-10-29

Student loan

Private student loan

Dealing with your lender or servicer

Need information about your loan balance or loan terms

Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress.

TRANSWORLD SYSTEMS INC

LA

71111

Consent provided

Web

2017-10-29

Closed with explanation

Yes

2022-07-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

146XX

Consent provided

Web

2022-07-06

Closed with non-monetary relief

Yes

2020-01-25

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I recently checked my credit for the first time on XX/XX/2020 and noticed a derogatory mark for a debt owed on a credit card. ive never opened that card

PORTFOLIO RECOVERY ASSOCIATES INC

OR

97478

Consent provided

Web

2020-01-25

Closed with explanation

Yes

2021-10-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2021-10-04

Closed with explanation

Yes

2023-01-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

705XX

Consent provided

Web

2023-01-24

Closed with non-monetary relief

Yes

2022-12-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I created a dispute under the FCRA 15 US Code 1681 B that reporting agency did not have my written consent to publish such information and with no consent per 15 US Code 1681 C1 that is identity theft.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

15212

Servicemember

Consent provided

Web

2022-12-07

Closed with explanation

Yes

2021-05-05

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

I received a notification and check from Wells Fargo regarding a legal settlement between Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices. The XX/XX/2021 notification indicates that the bank is refunding fees in the amount of {$24.00} because they were assessed before I began using my account. The letter also provides that, This check also includes an additional amount of {$4.00} to compensate you for the time you did not have these funds. Thus, I understand this notification to advise me that Wells Fargo is refunding {$28.00} to me. However, the check is ACTUALLY for only {$24.00}. I write to complain that : ( 1 ) Wells Fargo still owes me the {$4.00} ; and ( 2 ) Wells Fargo has violated its legal settlement with the Consumer Financial Protection Bureau by failing to pay out monies to its customers as directed by the agency. Knowing Wells Fargos improper sales practices, I believe my wrong payment amount was NOT an oversight. For this reason, I did not reach out to Wells Fargo as I believe this error is yet another deliberate improper practice by the bank and numerous others have also been wronged in this manner. I will deposit the {$24.00} check before it becomes stale. However, I respectfully request that your agency have the bank send me my {$4.00} WITH INTEREST now accrued thereon and that the agency look into whether numerous others have also, yet again, been victims of Wells Fargos improper practices.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

NJ

07208

Consent provided

Web

2021-05-05

Closed with explanation

Yes

2022-06-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

EQUIFAX, INC.

TN

37128

Consent provided

Web

2022-06-09

Closed with explanation

Yes

2022-02-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX XXXX was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within 30 of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed w me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. With you removing this from my account you admitted to this law by removing it which basically means Transion didnt verify this per law. So what made you add this back? How you verify it? XXXX and XXXX wasnt able to verify it so how were you? This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

85040

Consent provided

Web

2022-02-23

Closed with non-monetary relief

Yes

2023-05-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am in possession of the documents submitted by Great Lakes as proof that I obtained a lease from them. They did not provide anything with my signature and nothing showing they verified my identity. They did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide SIGNED DOCUMENTATION of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law. At this point I have made multiple attempts for this company to cease sharing all personal and private information with ANY AND ALL THIRD PARTIES, INCLUDING CREDIT REPORTING AGENCIES AND THEY HAVE NOT COMPLIED TO FEDERAL LAW. They quote that a wet signature is not needed by the law they cited but by that same law they are also required to provide an option to opt out of electronic services where they clearly and conspicuously explain the softwares needed to use these services and express ability to opt out. Please provide this documentation as well. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. So far none of this has been provided. It is my right as a consumer and they are refusing to cooperate in good faith. According to 15 U.S. Code 7001 - General rule of validity, ( c ) Consumer disclosures ( 1 ) Consent to electronic records Notwithstanding subsection ( a ), if a statute, regulation, or other rule of law requires that information relating to a transaction or transactions in or affecting interstate or foreign commerce be provided or made available to a consumer in writing, the use of an electronic record to provide or make available ( whichever is required ) such information satisfies the requirement that such information be in writing if ( A ) the consumer has affirmatively consented to such use and has not withdrawn such consent ; ( B ) the consumer, prior to consenting, is provided with a clear and conspicuous statement ( i ) informing the consumer of ( I ) any right or option of the consumer to have the record provided or made available on paper or in nonelectronic form, and ( II ) the right of the consumer to withdraw the consent to have the record provided or made available in an electronic form and of any conditions, consequences ( which may include termination of the parties relationship ), or fees in the event of such withdrawal ; ( ii ) informing the consumer of whether the consent applies ( I ) only to the particular transaction which gave rise to the obligation to provide the record, or ( II ) to identified categories of records that may be provided or made available during the course of the parties relationship ; ( iii ) describing the procedures the consumer must use to withdraw consent as provided in clause ( i ) and to update information needed to contact the consumer electronically ; and ( iv ) informing the consumer ( I ) how, after the consent, the consumer may, upon request, obtain a paper copy of an electronic record, and ( II ) whether any fee will be charged for such copy ; ( C ) the consumer ( i ) prior to consenting, is provided with a statement of the hardware and software requirements for access to and retention of the electronic records ; and ( ii ) consents electronically, or confirms his or her consent electronically, in a manner that reasonably demonstrates that the consumer can access information in the electronic form that will be used to provide the information that is the subject of the consent ; None of which has been provided.

Nelnet, Inc.

CA

92345

Consent provided

Web

2023-05-04

Closed with explanation

Yes

2018-05-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

My account was past due in XXXX however I bought it current in XXXX, XXXX and XX/XX/XXXX. I paid over {$1000.00} dollars between XXXX and XXXX of XXXX however on my credit report it reads " Past due for XXXX and XXXX of XXXX. I keep my recents and went back up to the store and showed the head manager in XXXX and she said " once you make the payment it is out of our hands. '' She looked at the receipts and acknowledged that the receipts that I was showing her were indeed not past due. SHe knew this because she saw that the due date was the XXXX of every month and she saw that payments were made on the XXXX of each month. She then advised me to call headquarters which I did but they insisted that I was past due even after I had told them that my wife had called in XXXX in XXXX and spoke with a representative about the same incident and this representative told my wife, " Yes ma'am I see where you made the payment before the due date so I will fix that right away! '' When I looked back on my credit report the past due for XXXX was deleted. XXXX came first as past due then XXXX which is impossible because the receipts show that several payments were made in XXXX and XX/XX/XXXX. Headquarters did nothing even after I emailed them my receipts to them.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Army and Air Force Exchange Service

NC

28314

Servicemember

Consent provided

Web

2018-05-11

Closed with explanation

Yes

2019-11-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I have submitted repeatedly to XXXX and XXXX to remove some identity theft accounts from my credit. I have also sent in the Identity theft report and the police report. They are refusing to remove these fraudulent accounts from my report

DISCOVER BANK

GA

30039

Consent provided

Web

2019-11-01

Closed with explanation

Yes

2023-06-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

GA

30344

Consent provided

Web

2023-06-27

Closed with explanation

Yes

2018-03-20

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I have a XXXX dollar debt on my personal credit report that belongs to my ex husband. I was never a joint owner of the account I was only an authorized user without my consent and I never had the credit card in my possession. The law says a bad authorized user can not remain on my account if disputed. Ive contacted both XXXX XXXX XXXX XXXX and Equifax to remove the debt and even after disputing it it remains on my report.

EQUIFAX, INC.

FL

320XX

Servicemember

Consent provided

Web

2018-03-20

Closed with explanation

Yes

2020-02-05

Debt collection

Medical debt

Written notification about debt

Notification didn't disclose it was an attempt to collect a debt

On XX/XX/2020 I found out from the SCDOR that about {$500.00} was seized from my taxes for medical debt. I did not receive any notification written or verbal that my medical debt was sold to this company. The employee over the phone told me that they had my address wrong, and that my phone blocks Robo Calls ( which is a service I very recently activated ). I was never made aware of this company, or that any money was owed to them and it should not have been taken from my tax return with any knowledge. Ive been making multiple monthly payments on my medical bills, and did not have any notification of a portion going to this company.

Global Financial Services Group

SC

29169

Consent provided

Web

2020-02-05

Closed with explanation

Yes

2018-03-15

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

Dear Sirs, Chase is having problems with their Electronic Fund Transfer, online payment on my account and I am thereby not able to have access to my funds or to send a payment from my internet using XXXX XXXX or XXXX browser. This has been going on for at least 24 hours or more. I need to have access to my money and make payments or otherwise, I will be penalized by my creditors. Their mobile app is not affected. I am a veteran. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX

JPMORGAN CHASE & CO.

FL

33032

Older American, Servicemember

Consent provided

Web

2018-03-15

Closed with explanation

Yes

2022-05-16

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

TO WH OM IT MAY 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33179

Consent provided

Web

2022-05-16

Closed with non-monetary relief

Yes

2018-06-09

Student loan

Federal student loan servicing

Struggling to repay your loan

Can't get other flexible options for repaying your loan

Navient student loans, on XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, to studies XXXX XXXX XXXX XXXX, I graduated onXX/XX/XXXX, I was unemployed, and the time Sallie Mae, send me bills to paid them, they place me into a forbearance, since I didn't have money to paid them, I didn't have other choices, just obligated to be in forbearance, and deferment today date, I owned them {$16000.00}, on my students loans .At the beginning on the loans I only owned them {$9500.00} .Today 's date that they advised me, my estimate pay off is in XX/XX/XXXX and constantly, they changes my terms on the loans, plus they keeping adding interest, adding years, too, they place me on forbearance, and deferment, at any time they wanted, without my consent, Im been struggling paid them back, two years, already, and as soon, ( Sallie mae ) change to Navient, they didn't stop calling and harassment, non-stop, and the school, too, calling me for payment, and I didn't have a job, or unemployment benefits, how can I pay them, I explained them millions of times, and they kept calling me. The XXXX, teacher, she never teach us, she only show us, TV shows of XXXX XXXX XXXX The biggest, mistake in my life is getting in debt, for a education, that didn't teach me anything, but waste my time and energy.

Navient Solutions, LLC.

FL

33032

Consent provided

Web

2018-06-09

Closed with explanation

Yes

2022-08-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Bankruptcy Reference XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States that I have the rights 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.

EQUIFAX, INC.

OH

441XX

Consent provided

Web

2022-08-30

Closed with explanation

Yes

2021-09-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}

EQUIFAX, INC.

AR

71854

Older American

Consent provided

Web

2021-09-02

Closed with explanation

Yes

2022-08-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

This is not a DUPLICATE Report and this not filed by a 3rd Party. In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : US DEP ED Account Name : Account # 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 an account without my written instructions.

EQUIFAX, INC.

FL

346XX

Consent provided

Web

2022-08-25

Closed with explanation

Yes

2022-02-01

Credit card or prepaid card

Store credit card

Fees or interest

Problem with fees

I had a past due balance of {$710.00} which I paid in full XX/XX/XXXX. I received two finance charges on XX/XX/XXXX {$2.00} and {$3.00}. I called comenity XXXX in XXXX and the rep said she could reversed the charges. This didn't happen. In XXXX messaged XXXX and XXXX XXXX the rep who responded to my inquiry said I was getting charged and I needed to pay. The same thing happened with my other comenity card at XXXX except they reversed the charges because I had paid the account in full. I had been and am getting charged two finance charges a month on each card. I thought having a 0 balance would mean no interest. comenity bank cards are the worst for interest taking advantage of people.

Bread Financial Holdings, Inc.

OH

44120

Consent provided

Web

2022-02-01

Closed with monetary relief

Yes

2023-02-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

76549

Consent provided

Web

2023-02-08

Closed with explanation

Yes

2023-02-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as 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 did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights 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. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND EXPERIAN AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MI

48221

Consent provided

Web

2023-02-09

Closed with non-monetary relief

Yes

2019-12-15

Debt collection

I do not know

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Received a letter about a bill owed to XXXX. I am currently going through a medical hardship, due to XXXX treatments.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Convergent Resources, Inc.

ME

040XX

Servicemember

Consent provided

Web

2019-12-15

Closed with explanation

Yes

2021-11-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The information for this account listed on my credit report is : XXXX XXXX XXXX, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MA

02119

Consent provided

Web

2021-11-29

Closed with non-monetary relief

Yes

2023-03-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I want you to verify this debt as i don't have any accounts with you? if unverifiable please remove this account from my credit report as soon as possible

Company disputes the facts presented in the complaint

LJ Ross Associates

IL

60615

Consent provided

Web

2023-03-15

Closed with explanation

Yes

2023-03-17

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

On XX/XX/22 capital closed my account with no far warning after making a payment on my account. Theyre in violation of the securities exchange act. I called numerous times but capital one as willfully been in noncompliance. They have damaged me.

CAPITAL ONE FINANCIAL CORPORATION

TX

78748

Consent provided

Web

2023-03-17

Closed with explanation

Yes

2022-04-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction. 15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23455

Consent provided

Web

2022-04-22

Closed with explanation

Yes

2022-02-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

According to the FCRA a credit reporting agency should not report on a file while it's under investigation. XXXX XXXX XXXX is under investigation as I filed a complaint on it via CFPB complaint I'd # XXXX. Also according to TransUnion when it comes to this file it says my highest balance is XXXX, my monthly payment is XXXX and the terms are for 0 months. So how are they reporting that this account is open with a balance it doesn't make sense. I have included a sceenshot of this as well

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CO

81004

Consent provided

Web

2022-02-27

Closed with non-monetary relief

Yes

2021-11-28

Credit card or prepaid card

Store credit card

Closing your account

Company closed your account

On XX/XX/2021, my credit card has been closed due to inactivity. I called my provider on XX/XX/2021 requesting to reactivate my card. They said, No we can't. However, the credit card agreement does not mention anything about reactivation not being allowed. I had this card for almost 4 years and Oldnavy Synchrony does not help on resolving the issue.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

TX

77449

Consent provided

Web

2021-11-28

Closed with explanation

Yes

2022-11-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I keep getting hard inquiries on my credit report for the past year. Last time I looked there was something like 30 of them on all three credit reporting agencies and they tell me you can not dispute it. They are not mine and I would like them all removed immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

14621

Servicemember

Consent provided

Web

2022-11-02

Closed with explanation

Yes

2017-10-05

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I have sent several disputes to the collection agency and to the credit bureau regarding an account IC Systems is reporting on my credit reports. I have asked them to send a copy of a signed agreement and account history as proof that the account belongs to me. They have responded with a settlement letter and a payment invoice created by their company. They continue to report the debt without legal validation of the debt in violation of the Federal Debt Collections Practices Act and the Fair Credit Reporting Act which requires that all information reported be accurate, complete and verifiable.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I.C. System, Inc.

FL

33009

Consent provided

Web

2017-10-05

Closed with explanation

Yes

2022-03-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

I made arrangements on this account XX/XX/XXXX and XX/XX/XXXX. During that time I was unemployed and there was a extensive waiting period for unemployment benefits. I was able to make payments with my income tax return and my stimulus check however with my unemployment still pending I fall behind on all my bills. I was in communication with XXXX XXXX. The late payments were reported to the credit bureaus. Per the CARES ACT if the borrower makes arrangements of any kind it is to continue to report the same prior to the delinquency. XXXX XXXX failed to report it correctly. And the credit bureaus have failed to comply to the cares act. XXXX XXXX Account Number : XXXX Late payments reporting XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

DE

197XX

Consent provided

Web

2022-03-25

Closed with non-monetary relief

Yes

2022-10-19

Debt collection

Auto debt

Attempts to collect debt not owed

Debt was result of identity theft

Experian has been reporting this account for years. I have tried to get this account removed because of Identity Theft. Every time they send me a letter back saying that this debt is valid and confirmed. I tried reaching out to the debt collector company and found out that XXXX XXXX XXXX is permanently closed effective XX/XX/XXXX. I sent mail to this company myself on XX/XX/XXXX, and the entire envelope I sent to them came back as undeliverable on XX/XX/XXXX, which confirms their closing down. The dates on the report are from XX/XX/XXXX to current.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

92551

Consent provided

Web

2022-10-19

Closed with explanation

Yes

2017-03-25

Debt collection

Other (i.e. phone, health club, etc.)

Cont'd attempts collect debt not owed

Debt was paid

In XX/XX/XXXX I had a payday loan with XXXX in the amount of {$500.00} - the APR at 390 %. Upon paying the loan I was told I received a loan in the amount of {$600.00}. I informed XXXX I received {$500.00}, and had their documentation to prove it. However, a few months later I came to realize payday loans were illegal in New Jersey or at best there were usury limitations which clearly XXXX had exceeded.. I had three payments debited from my bank account, and before the fourth I sent XXXX a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. XXXX stated they were not governed by NJ Law, but is governed by the XXXX band of XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid ( principal and interest ) it would be turned over to their Collections Dept. From that point on calls I received from XXXX were identified as Fraud Dept. and the same goes for the emails I received ... Fraud Dept. Eventually, approximately three months later the calls stopped. Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading Credit Control , LLC in XXXX MO and the Creditor is listed as XXXX. The address listed for Credit Control LLC is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX XXXX, XXXX - just listed as the Current Creditor, and XXXX as the Original Creditor. The debt owed on this paperwork is {$1000.00} which is simply not true. I see several online addresses on XXXX XXXX ( which I listed below ). Also, in researching XXXX XXXX it shows the BBB had downgraded to an XXXX in XX/XX/XXXX, and the FTC filed an injunction on XX/XX/XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX. XXXX, FL XXXX I 'm not sure who this company is or what name they do business under - or how they continue to do business. The FTC has filed an injunction against them and they have been downgraded to XXXX with the BBB, and list an amount owed that is untrue.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

JH Portfolio Debt Equities, LLC

NJ

087XX

Consent provided

Web

2017-03-25

Closed with explanation

Yes

No

2021-01-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

FL

323XX

Consent provided

Web

2021-01-07

Closed with explanation

Yes

2021-02-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

A balance is reporting on my Capital One account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with Capital One and they have failed to correct it.

CAPITAL ONE FINANCIAL CORPORATION

CA

92009

Consent provided

Web

2021-02-24

Closed with explanation

Yes

2015-12-03

Debt collection

Medical

Disclosure verification of debt

Not given enough info to verify debt

There are a couple items listed on my credit file which are unknown, several times I have disputed with no response. Please help assist me.

RSI Enterprises, Inc.

NV

89117

Consent provided

Web

2015-12-03

Closed with explanation

Yes

Yes

2021-02-14

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I opened an account around XX/XX/2021, at Wells Fargo, XXXX XXXX XXXX, XXXX, AR XXXX. About 2weeks later I'm getting calls accusing me of using a non-existent address. They ask for verification. I ask them if the mail from them, including the parcel containing my debit card, from them, would suffice, they say 'yes that's perfect '. So upon taking the mail into Wells Fargo the banker on site tells me that mail isn't good enough. If the address doesn't exist, how did I receive the debit card in the mail?! In addition, I brought mail from XXXX, pay stubs, & XXXX XXXX. They tell me it must b a utility bill. Well the utilities r in my BF 's name. I have >10 pieces of mail within the last 30 days, but nothing is good enough for them. They literally ask me to use a fictitious address so that their system will accept it & try to get forwarding thru USPS to my actual address over their computer glitch. I would have simply just told them to forget about it & close the account, but I have already registered that account with the IRS for my tax returns & other obligations. So now I have about 10 days remaining to either print some fake mail, or have something sent to a friend 's address under my name in order to keep this account open long enough that it doesn't delay my tax refund or default on my bills. They threaten that if, in 10 days, I can't fabricate a false address that their computer likes, they will close down my account. Again, had I not already filed my taxes, I would have just initiated as many bill pays as possible to friends ' accounts & overdrafted the account as much as I possibly could & tell them XXXX. But now u have direct deposits & direct debits set up. Wells Fargo 's negligence & horrible business practices could potentially not only delay my irs return, but will also cause payment defaults to multiple vendors & I will not pay returned item fees for bounced checks caused by WF, I'll just default & use new vendors & when they try to collect, I'll send them to WF. If my address was unacceptable, y wasn't I told right there when I opened the account, because they knew I'd leave and go to another bank. No they wait until you deposit more $ , set up DD, bill pay, etc, so that it becomes difficult to simply say XXXX XXXX and bank elsewhere. ( THIS PARA IS A BIT OFF-SUBJECT ) Thus is an issue not only w/ Wells Fargo XXXX but many other companies as well. One may open an account with an unacceptable address or say, an expired ID & these institutions don't say anything upfront. They go right ahead & open the accounts & wait until you make a substantial deposit, then lock your account & say 'o well your id is expired, so your account is locked till u get a new one '. U knew my id was expired, or my address was unacceptable when u opened the account for me but chose not to say anything or take any action until there us money to b held hostage. Thus us seriously a huge issue. I'm sure that there r billions of dollars being held hostage by different financial institutions, especially online banks. It's a big scam that these companies or running. They r looking for any reason to lock ones account and hold people 's money.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

AR

71854

Servicemember

Consent provided

Web

2021-02-14

Closed with explanation

Yes

2020-03-23

Credit card or prepaid card

General-purpose credit card or charge card

Struggling to pay your bill

Credit card company won't work with you while you're going through financial hardship

Due to the recent COVID-19 guidelines, I was forced to close my XXXX. I reached out to American Express on XX/XX/ to ask if I could lower my monthly payment or have a reduction in interest. I also suggested I transfer the balance to a different card with lower interest and was told I could not do that. It is common for me to spend 10-20k on this card in a month, on behalf of my XXXX, and I have always paid it in full monthly. I have never had a late payment with this creditor. The representative refused to work with me and kept responding with the interest rate of nearly 24 %. I asked if I could speak with someone else regarding the situation and was then disconnected by American Express.

AMERICAN EXPRESS COMPANY

TX

78702

Consent provided

Web

2020-03-23

Closed with explanation

Yes

2022-06-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

EQUIFAX, INC.

FL

33543

Consent provided

Web

2022-06-16

Closed with explanation

Yes

2020-06-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Dollar loan center has reported incorrect late payment marks on my loan with them. I spoke several time with different representatives to set up payment arrangements. I followed through with the payments and was advised that as long as my arrangements were kept I would not get late payments. I was advised this by more than one representative before the loans contract expired. They were aware that my arrangement put me past the expiration date and I was still advised to negative credit reporting would happen if the arrangement was kept, which it was. I still continued to get harassing calls everyday even while on the arrangement. This account is now paid off.

DLC, LLC

NV

89701

Consent provided

Web

2020-06-05

Closed with explanation

Yes

2022-09-17

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I am not liable for this collection debt with XXXX XXXX who sold my personal info to Portfolio Recovery Associates " without my consent ''. I do not have a contract with XXXX XXXXXXXX or Portfolio Recovery Associates, I have requested & " They did not provide me with the ( original contract or application ) '' like I asked after explaining that the account was fraud. they sent me a bill not the actual contract or agreement or my consent to even forward my personal information in the first place Account number XXXX

PORTFOLIO RECOVERY ASSOCIATES INC

LA

70122

Consent provided

Web

2022-09-17

Closed with explanation

Yes

2022-08-04

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I've been struggling to consolidate my student loans due to unjust, untimely, and incorrect information given by Aid Advantage and they are refusing to cooperate to correct an erroneous denial of my consolidation loan. I applied for a recent loan consolidation of my federal student loans in XX/XX/2022. On XX/XX/XXXX, AidAdvantage sent me a letter rejecting several XXXX XXXX XXXX for a reason code XXXX, which referred to an in-school status. Unfortunately, this was a clerical error on the part of XXXX XXXX. Once I got the letter and saw the clerical error of in-school status applied to some of my loans while others at Great Lakes were in the forbearance or grace status that allowed my consolidation since I waived the grace period on my application, I contacted XXXX XXXX to fix the clerical error. They fixed the wrong status on my loans. I immediately called AidAdvantage since the letter states I can simply call in my corrections or ask them to fix errors. This is very simply they need to repull the data about the set of rejected loans and fix my consolidation loan so it encompasses all of the loans. After being assured by AidAdvantage over the phone that my loans would be sent to the department and a new summary statement would be mailed to me since I was in the 10 day correction window, the company then underhandedly didn't actually do what they told me on the recorded call. They didn't send loans for any correction. Today, XX/XX/2022 when I called in a new rep said they only see notes of the rep noting issues and no action done to solve them. As a result, they told me I'm screwed over since my loan was not fixed in the required window for correction. They said they would send an " urgent message '' to the department since the letter they sent me clearly said I could call or email corrections. As attached to this complaint, I also emailed in that they needed to make these fixes. The email the company provides bounces, yet they list it as a legit contact in their letter. Since I can not manage to get a live human to do any work at this company, I'm now asking that the Attorney General 's office and the Department of Education in formal complaints to actually help get involved in this matter because this is not only unjust it robs me of qualifying for PSLF by the XXXX deadline. Now the company is saying they can not say if or when or if ever I will get my loans consolidated in time to qualify for PSLF before the XXXX deadline. I am not allowed to apply for PSLF without the loans being consolidated and with Aid Advantage not having an operable email as they are ignoring my calls and ignoring my emails, I do not know what else to do to fix this matter. They keep giving me wrong or incomplete information and my loans are not being consolidated and are not being corrected despite their error and a clerical error that should have been easily clarified and fixed within the 10 day window. Will you please assist in an expedited resolution of this urgent matter? To resolve this, I want the company, AidVantage to : Consolidate all of their erroneously rejected loans with the status of XXXX from their XX/XX/XXXX letter with my other loans in my consolidation loan. Issue a corrected summary statement showing the loans were combined.

Maximus Education, LLC dba Aidvantage

MN

551XX

Consent provided

Web

2022-08-04

Closed with explanation

Yes

2021-06-19

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I've submitted dispute documents on Monday, XX/XX/2021, XXXX XXXX to Experian disputing a bankruptcy, and on Saturday, XX/XX/2021, XXXX XXXX to XXXX. Both companies are reporting my bankruptcy as accurate even though XXXX and XXXX could not find any information of a bankruptcy at all and deleted it from my report. I've contacted both companies and have not received the proper results.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NC

27530

Consent provided

Web

2021-06-19

Closed with explanation

Yes

2023-07-19

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NV

89122

Consent provided

Web

2023-07-19

Closed with explanation

Yes

2022-08-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

So for the past 8 months I have been trying to get a charge off removed from my Equifax credit report. This charge off isnt mine, but Equifax has it as my old XXXX XXXX account. When I did further research I found that this account was clearly paid in full and then later closed the account. I've given Equifax the letter from XXXX XXXX XXXX showing account paid in full but they still refuse to remove it. I do have an attorney involved and will pursue a lawsuit if this matter isn't resolved. I want this charge off removed immediately. It has hindered me in attempts to get a business loan.

EQUIFAX, INC.

OH

446XX

Consent provided

Web

2022-08-22

Closed with explanation

Yes

2023-02-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am having a difficult time getting Experian to remove an account that they are inaccurately reporting. I have sent many dispute letters to the point of no avail. They are reporting that the account XXXX XXXX XXXX XXXX XXXX was late 4 times and eventually charged off. This is not true. The account was never charged off and I have contacted the company to ask for the 1099c form and to see what company it was sold to and they reassured me that the account was closed and not sold. During 2020, I was on deferment due to XXXX so there should be no late payments according to the FCRA. Also, both XXXX and XXXX are not reporting this account so there is no way that Experian is in compliance. I am asking that Experian removes the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

75050

Consent provided

Web

2023-02-13

Closed with explanation

Yes

2021-05-25

Student loan

Federal student loan servicing

Incorrect information on your report

Personal information incorrect

myFedloan never notified my of the change in deferment, they never notified me vial mail or call regarding this which reflected missed payments on multiple loans on my credit report. I have made several attempts via phone and letters to fix this issue but I have not been able to get clarity and I am asking these derogatory marks be rescinded as they have failed to update my contact information, address and my accounts should have and still are in deferment My DOB is wrong in their system I have sent in numerous letters and called regarding this to get this amended, without avail.

AES/PHEAA

OK

73112

Consent provided

Web

2021-05-25

Closed with explanation

Yes

2021-05-01

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

I signed up under the BONUS400 promotion, which states : " Open a XXXX Checking account between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXXXXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeBONUS400. Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. '' I opened the account on XX/XX/XXXX. I received the following direct deposits : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX The terms stated it should be paid by XX/XX/XXXX. It is now XXXX.

CAPITAL ONE FINANCIAL CORPORATION

CA

92037

Consent provided

Web

2021-05-01

Closed with explanation

Yes

2020-01-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX- Reported : XX/XX/2020 - {$8900.00} Closed To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case Fields v.Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court, Sept 2004.. Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

EQUIFAX, INC.

FL

33436

Consent provided

Web

2020-01-25

Closed with explanation

Yes

2023-05-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am submitting this CFPB Complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level. I need the following items removed from my Credit FIle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} ABILITY XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$6600.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Consent provided

Web

2023-05-15

Closed with non-monetary relief

Yes

2023-09-05

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

EQUIFAX, INC.

TX

75228

Consent provided

Web

2023-09-05

Closed with non-monetary relief

Yes

2020-03-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I already reached out to BMW FINANCIAL SERVICES and notify them of their error posting of information on my report. I requested for Method of Verification but they have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation

BMW Financial Services NA, LLC

CT

06002

Consent provided

Web

2020-03-16

Closed with explanation

Yes

2022-07-14

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

Im was a XXXX XXXX with XXXX, l was introduce to XXXX currency trading last year with XXXX, since both are well trusted exchanges i thought my money was safe, after I open an account with XXXX, a group of XXXX currency traders approached me via XXXX, they claimed to have an exchange where you could learn to trade on daily basis XXXX and render profits with their data advice and guidance, I thought they were a serious trustable group since they got my info from XXXX. The platform was fake and theyre a group of very sophisticated skilled people who scammed into deposit my hard earn savings to their platform under the false assumption I was doing honest day trading The platform is XXXX The money travel from my checking account from Wells Fargo to XXXX and into their fake XXXX address The money was lost and I need someone who can help me retrieve my money. Again the transactions were made willingly, thats the mere definition of a scam and Wells Fargo refused to refund the funds because they were authorized transactions, but they can verified the money travel to a scammers account.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

CO

80249

Consent provided

Web

2022-07-14

Closed with explanation

Yes

2022-05-05

Checking or savings account

Checking account

Managing an account

Banking errors

Bank of America and the over drafts fees were at totaling over {$500.00}, I was out and had some bills on autopay.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

OK

741XX

Consent provided

Web

2022-05-05

Closed with monetary relief

Yes

2021-02-14

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EST To : XXXX Subject : Other Inquiries Hello, We have attempted to pay our balance due on card prior to promotion expiring as we were not aware, but this was denied so we would like to fine a grievance. I'm willing to payoff our balance of XXXXXXXX prior to interest being added last month, but will not pay XXXX now on my card. I will also file a complaint to the " Consumer Financial Protection Bureau '' if we are not able to resolve this issue since this practice does not seem legal or ethical. Thanks XXXX XXXX From : Customer Service To : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. We apologize for the delay in our response. Your inquiry is important to us. I hope that this message finds you well. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days. We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX.XXXX Customer Service From : XXXX XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply Hello, We have not received any written responses from you and would appreciate your attention to our inquiry. Thanks XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

NH

032XX

Servicemember

Consent provided

Web

2021-02-14

Closed with monetary relief

Yes

2022-11-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

The following account is an error reported to my consumer report as a collection/chargeoff without my consent or permissible purpose as per the FCRA. This false information on my consumer report states an incorrect name/person who is tied to my personal information and is disabling me from obtaining good credit. A letter was sent to Experian Credit Bureau on XX/XX/22 to rectify this error and I have yet to receive a response from the bureau. This violation amounts to fraud and identity theft. XXXX XXXXXXXX - Account # : XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

11212

Consent provided

Web

2022-11-06

Closed with explanation

Yes

2022-09-26

Debt collection

I do not know

False statements or representation

Attempted to collect wrong amount

XXXX XXXX XXXX used to be my apartment not until state of emergency commenced due to high number of XXXX. I wasnt working at the time which the state offered cares Acts which excluded landlords from evicting tenants during the outbreak of virus. I wasnt working, XXXX XXXX XXXX and XXXX focused and was rushed to the hospital, later on was XXXX and in XXXX for a while before having XXXX XXXX due to XXXX, anxiety. Under XXXX accommodations, I requested debt validation to make sure I wasnt overcharged but it got to my attention. I moved out after I sent a email to management that I will be moving out, all rental agreement such as one month notice before vacate wasnt enforced due to state of emergency. I ended up not picking up my properties which made them confiscate my items and now Im being charged for what I didnt use.Im requesting XXXX accommodation as Im unable to make this payment due to underlying illness plus under 15 U.S. Code 1681i fair accurate reporting should be provided but I dont think Im having fair reporting. I called and tried to negotiate but the lady was so rude and was promptly offered XXXX off ( {$3300.00} ) and must be paid in one sitting which even makes it more difficult to work with but then sponsor whom co-signed already made payment close to $ XXXX as I wasnt able to assist with the payment due to my underlying illness. Im requesting for review of account to show proof of state of emergency, email sent to management of hardship. This isnt proofing XXXX of cost breakdown including one paid by my sponsor XXXX XXXX. Under the lease agreement it state every payment owned must be paid but also have to remember the care acts law was enforced and a lot of lease agreement was in absolute pending.attachment shows date very close to move out date from XXXX XXXX apartment. Errors detected 1 ) Not providing full debt validation including one paid by XXXX XXXX 2 ) late fee, charges, rental agreement binding agreement was noid due to state of emergency 3 ) was charged one full month + miscellaneous 4 ) agreement provides XXXX accommodation for health grounds on number 20 5 ) insurance charges multiple times

Company believes it acted appropriately as authorized by contract or law

First Advantage LNS Inc.

MD

20774

Consent provided

Web

2022-10-18

Closed with non-monetary relief

Yes

2022-09-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Dear Equifax, XXXX XXXX XXXX. I submitted a complaint in regards to Identity Theft, complaint ID XXXX. Pursuant to 15 USC 1681c-2 you are in violation of the FCRA and willfully violated my Consumer Rights according to the law. I have provided proper proof of Identity, an Identity Theft Report, identification of such information, as well as a statement. Pursuant to 15 USC 1681 c-2 - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. You are outside of the given timeframe allotted by the law to provide a fair and equitable resolution for the Consumer, myself. YOU BROKE THE LAW! I requesting that all information is deleted from credit file.

EQUIFAX, INC.

NJ

07039

Consent provided

Web

2022-09-30

Closed with explanation

Yes

2023-05-11

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Unable to receive car title or other problem after the loan is paid off

Greetings, On XX/XX/2022 I brought a car from XXXX XXXX in XXXX XXXX NV. for XXXX Deal # XXXX stock number # XXXX I still don't have the car its been almost two years.

NISSAN MOTOR ACCEPTANCE COMPANY LLC

NV

89107

Consent provided

Web

2023-05-11

Closed with explanation

Yes

2021-01-21

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

On XX/XX/XXXX I sent in a dispute to TransUnion about the following accounts listed below with a follow up on XX/XX/XXXX for no response, on XX/XX/XXXX they responded with just a summary of their method of verification but no information on the investigating items. XXXX XXXX XXXX {$430.00} This account is questionable. The date of the last payment on XXXX shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion there is no date of last payment with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. XXXX This account is inaccurate showing a High balance of {$460.00} on TransUnion but on XXXX shows {$420.00}. The date of the last payment on XXXX shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. XXXX {$11000.00} This account is inaccurate showing a High balance of {$12000.00} on TransUnion but on XXXX shows {$11000.00}. The date of the last payment on XXXX shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can the last payment be after the date of last activity. This date should reflect the FCRA compliance date which should not be changed. XXXX {$1600.00} This account is inaccurate showing a High balance of {$1500.00} on TransUnion but on XXXX shows {$1600.00}. The date of the last payment on XXXX shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can this information be different if they come from the same creditor? This date should reflect the FCRA compliance date which should not be changed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33324

Consent provided

Web

2021-01-21

Closed with explanation

Yes

2022-09-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

The following accounts and inquiries listed below are all fraudulent and were opened without my consent and it is against consumer law to report fraudulent information on consumers credit report. Fraudulent Accounts TransUnion XXXX XXXX Bank Acct # XXXX Fraudulent Inquiries TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30907

Consent provided

Web

2022-09-09

Closed with non-monetary relief

Yes

2017-01-11

Debt collection

I do not know

Improper contact or sharing of info

Talked to a third party about my debt

This collection company spoke with a third party without my consent I disputed it online with XXXX and never received anything.

Jon Barry and Associates, Inc.

NC

28269

Consent provided

Web

2017-01-17

Closed with non-monetary relief

Yes

Yes

2017-07-31

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

I need help trying to obtain itemized bills from XXXX XXXX XXXX. On XX/XX/XXXX, I had XXXX on XXXX XXXX XXXX. To the best of my knowledge, all bills related to this XXXX and all other XXXX bills were paid years ago. However, upon recently checking my credit report, I noticed that there are three bills from XXXX sent to collections as recently as XX/XX/XXXX. I have asked XXXX XXXX and XXXX XXXX to provide itemized bills from all XXXX visits/procedures from XX/XX/XXXX-present. They advised me that it was my responsibility to obtain this information from other sources, including Americollect, the collection agency, and my insurance company, XXXX XXXX XXXX. After contacting XXXX on XXXX, I was advised to email . On XX/XX/XXXX, I did so. I was contacted by email by an XXXX representative named XXXX XXXX XXXX. I do not know her title or department. XXXX XXXX advised me that due to a new billing system, I have two billing accounts with XXXX: one for physician services and one for facility services. At one time, there were three billing accounts. This is where I believe mistakes were made in applying payments. XXXX XXXX has provided me with statements that show a breakdown of bills that she claims that I owe. However, she has not yet provided me with the most important piece of information that I need: an official breakdown of an $XXXX payment that I made to XXXX on XX/XX/XXXX. I asked XXXX XXXX for this information several times, and as of this writing, have not received it. On Friday, XX/XX/XXXX, I emailed XXXX XXXX and told her that if I did not receive it by the end of that day, I was going to file an official complaint against XXXX. I am asking for an investigation of how XXXX has handled this situation. Thank you.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

AmeriCollect

WI

53207

Consent provided

Web

2017-07-31

Closed with explanation

Yes

2023-02-16

Debt collection

I do not know

Written notification about debt

Didn't receive notice of right to dispute

XXXX. CFPB XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall cease and desist all communications with the consumer, through all mediums of communication including the credit report. Also, do not engage in any conduct or communication to harass, oppress, or to abuse me, the consumer. Acc CFPB 12 CFR 1006.34, I am requesting validation of this debt. I am also requesting all the information in the 12 CFR 1006.34 Notice of Validation section. Please provide me with the debt collector communication disclosure which is clear and conspicuous. You are using false and deceptive practices, and abusing, harassing and oppressing me to collect on an assumed debt.

Company believes the complaint provided an opportunity to answer consumer's questions

Mountain Run Solutions, LLC

TX

XXXXX

Consent provided

Web

2023-02-16

Closed with explanation

Yes

2022-07-18

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Jefferson Capital Systems , LLC for a number of federal violations. I have never given Jefferson Capital Systems , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from Jefferson Capital Systems , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Jefferson Capital Systems , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me ( the consumer ) prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Jefferson Capital Systems , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them such as a trilateral contract. If this documentary evidence can not be produced and Jefferson Capital Systems , LLC continues its collection efforts, I will file for litigation for actual damages caused and Jefferson Capital Systems , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

CL Holdings LLC

FL

32825

Consent provided

Web

2022-07-18

Closed with explanation

Yes

2023-06-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am apply for my first home loan all three credit reports are showing different account XXXX has XXXX XXXX loans that were removed 2009. XXXX has removed this. And all the letters I have sent the accounts XXXX Bank of America, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ) have not be updated to never late. XXXX is obligated by the XXXX to report accurate accounting consumer has advised. ALL injuries reported was fraud said company had 4 days according to the LAW to remove such items. FTC XXXX report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine the injury was indeed authorized by the consumer XXXX has 15 days to provide me with wet ink signature consumer is NOT asking for an e-Oscar report. If XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company ( listed below ) will be liable under SEC to follow certain rules. XXXX XXXX file number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX BofA XXXX XXXX XXXX XXXX XXXX of the XXXX, XXXXXXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form XXXX treasury omb forms to audit consumers account. XXXX is securitizing consumer data yet refuse to provide consumer a copy of their Consumer File Not Consumer Report. Companies : Account name BANK OF AMERICA Account number XXXX Account name XXXX Account number XXXX .... Account name XXXX XXXX XXXX Account number XXXX .... Account name XXXX XXXX XXXX Account number XXXX .... Account name XXXX XXXX XXXX Account number XXXX ....

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

XXXXX

Servicemember

Consent provided

Web

2023-06-26

Closed with explanation

Yes

2020-04-13

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

MRS BPO at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX @ XXXX, has been contacting me daily via texting, phone calls, and the mail. This volatile behavior is extremely harassing and verbally abusive. I do not owe this debt, and want them to cease & desist all communication and harassment immediately!

Company disputes the facts presented in the complaint

MRS BPO, LLC

KY

42431

Consent provided

Web

2020-04-13

Closed with non-monetary relief

Yes

2023-07-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after I sent a letter. Ive already included this in my previous complaint & I am including it again. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX Balance : {$86.00} XXXX XXXX XXXX Balance XXXX {$250.00} XXXX Inquired on XXXX XXXX, XXXX

EQUIFAX, INC.

TX

770XX

Consent provided

Web

2023-07-28

Closed with non-monetary relief

Yes

2023-07-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. I send a letter to XXXX, Experian, 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, Experian, 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, Experian, and XXXX never responded! Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 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, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks 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 XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TN

37129

Consent provided

Web

2023-07-25

Closed with non-monetary relief

Yes

2023-08-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance XXXX {$34000.00} XXXX XXXX Balance : {$950.00} XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$33000.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$34000.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

357XX

Consent provided

Web

2023-08-09

Closed with non-monetary relief

Yes

2022-10-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below still reporting on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible to correct this accounts in my file : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$11000.00}

EQUIFAX, INC.

MD

20774

Consent provided

Web

2022-10-03

Closed with explanation

Yes

2022-06-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

An account belonging to XXXX XXXX had a cell phone account with XXXX. When the account was disconnected with an outstanding balance the account was reported as a collection on my personal credit report. XXXX acknowledged the account was a corporate account and should not have been reported on my personal credit report and told me I needed to contact the collection agency they hired, AMSHER COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX. When I called Amsher Collection Services I was told by a rep there that my file was being handled by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I was told by the rep that the law office often negatively reports corporate debt on individuals reports to prompt them to make payment. I demanded the erroneous reporting be deleted from my credit files and was told since the business had made payment that what was reported on my credit report would be removed. After two weeks it is still being reported. Through my online research I was able to confirm what I was told by the repXXXX XXXX XXXX XXXX XXXX XXXXXXXX has lost several law suits related to unfair/unlawful collection practices, at least one of which was a class action law suit.

Company believes it acted appropriately as authorized by contract or law

Amsher Collection Services, Inc.

CA

XXXXX

Consent provided

Web

2022-06-03

Closed with explanation

Yes

2023-01-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. XXXX, Transunion, and XXXX are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19128

Consent provided

Web

2023-01-24

Closed with non-monetary relief

Yes

2021-10-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I have disputed this account from my TRANSUNION consumer report on multiple occasions because I never gave TRANSUNION or XXXX direct consent to furnish this information. No direct consent is identity theft! On XX/XX/2021 I served XXXX with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. They have also been harassing me by communicating indirectly to TRANSUNION and publishing information that is harmful and defamation of my character! It is a fact, TRANSUNION has NEVER had my direct consent to furnish this information on my consumer report. I have received multiple notices from TRANSUNION stating that this account has been verified as accurate without providing any adequate documentary evidence that I gave them consent to furnish this information. I am demanding that they delete this account immediately as they are harming my reputation as a consumer!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WA

XXXXX

Consent provided

Web

2021-10-06

Closed with explanation

Yes

2022-10-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XXXX a line of credit for over {$13000.00} was open using my personal information. There is a balance of {$10000.00}. This is not an account I opened, and I do not have any knowledge of such a transaction. This account has been reported to all three credit bureaus and have dramatically affected my credit scores. I asked each agency to dispute the account and XXXX say they were able to verify the account as accurate. Again, I state without a doubt, this is not my account. The information on the report is SYNCBXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Phone number XXXX. I have not attempted to reach out to them because I believe the company information could be fraudulent. The terms to repay says {$0.00}, per month, paid Monthly.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

AL

35401

Older American, Servicemember

Consent provided

Web

2022-11-01

Closed with non-monetary relief

Yes

2023-01-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/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 XXXX 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 Balance {$7700.00} XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93722

Consent provided

Web

2023-01-26

Closed with non-monetary relief

Yes

2021-07-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf.I am willing to settle this matter without any admitted liability. I am demanding compensation for each one of these violations and I am demanding a deletion from all consumer reporting agencies.

OneMain Finance Corporation

NJ

08012

Consent provided

Web

2021-07-15

Closed with explanation

Yes

2017-05-10

Debt collection

Payday loan debt

Communication tactics

Frequent or repeated calls

My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on XXXX XXXX , 2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Tower Loan of Mississippi, Inc.

AL

36701

Servicemember

Consent provided

Web

2017-08-12

Closed with explanation

Yes

2019-12-09

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

NAVY FEDERAL CREDIT UNION IS IN VIOLATION OF THE SOLDIERS AND SAILERS ACT. THEY ARE NOT SUPPOSE TO CHARGE INTEREST ON AN ACCOUNT Benefit and Protection No. 1 The six percent interest rate cap. 50 U.S.C. 3937 The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). In order to have the interest rate on a financial obligation such as a credit card or a mortgage capped at six percent per year, a servicemember must provide the creditor with written notice and a copy of his or her military orders or other appropriate indicator of military service ( such as a letter from a commanding officer ). Id. at 3937 ( b ) ( 1 ). The written notice and proof of military service must be provided to the creditor within 180 days of the end of the servicemembers military service. Id. In response, a creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ). For mortgages, interest is capped at six percent during the entire period of military service and for one year after the period of military service. 50 U.S.C. 3937 ( a ) ( 1 ) ( A ). For all other obligations, interest is capped at six percent only for the duration of the period of military service. Id. at 3937 ( a ) ( 1 ) ( B ). A hypothetical under Section 3937 of the SCRA, 50 U.S.C. 3937 : John Doe takes out a mortgage and then enters military service. Captain John Doe is in military service continuously for 20 years. Captain Doe retires from military service and on the 179th day of his retirement asks that the interest rate on his mortgage be lowered to six percent per year. Captain Doe provides his creditor with a written notice and a copy of all of his military orders. The creditor must forgive the entire 20 years of interest that was at a rate greater than six percent inclusive of fees and an additional year of interest going forward. See, generally, 50 U.S.C. 3937. The following types of financial obligations, among others, are currently eligible for the six percent SCRA interest rate benefit : credit cards ; automobile, ATV, boat and other vehicle loans ; mortgages ; home equity loans ; and student loans. See, e.g., 50 U.S.C. 3937 ( d ) ( 2 ). On August 14, 2008, President Bush signed into law the Higher Education Opportunity Act, P.L. 110-315, that, among other things, amended 20 U.S.C. 1078 ( d ) to make federally guaranteed student loans protected under the SCRA. That means that prior to August 14, 2008, the SCRA did not cover federally guaranteed student loans. So, for federally guaranteed student loans that originated before August 14, 2008, such as student loans that originated under the Federal Family Education Loan ( FFEL ) Program and Direct Loans from the Department of Education, the servicemember borrower is not covered by the SCRA. A student loan hypothetical under Section 3937 of the SCRA, 50 U.S.C. 3937 : John Doe takes out five private student loans prior to entering into military service. After entering military service, Servicemember Doe consolidates his five loans into one loan. Six months later, he hears about the SCRAs six percent interest rate cap and requests that the interest rate on his loan be lowered to six percent per year. He sends in a written notice and a copy of his military orders. Question : Is Servicemember Doe entitled to the six percent interest rate cap? Answer : Only for the period of time between when he entered military service and when he consolidated his private student loans. Servicemember Does existing student loan originated during a period of military service. See 50 U.S.C. 3937 ( a ) ( 1 ).

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

MD

20747

Servicemember

Consent provided

Web

2019-12-09

Closed with explanation

Yes

2022-12-20

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

60619

Consent provided

Web

2022-12-20

Closed with explanation

Yes

2023-04-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

The same responds every time I file a complaint with your company the credit bureaus have ample time to make corrections to my credit report it has been years not days I will hand this over to an attorney since I still have not gotten a resolution to the issues raised with your company and the three credit bureaus I will be filing a law suit against your company and all three credit bureaus on this matter I have been unfairly treated and denied my right to fair credit far to long. I am not a profit margin for companies nor the credit bureaus I am a human asking for fair credit reporting and my rights for fairly respected and honored

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

75482

Consent provided

Web

2023-04-13

Closed with explanation

Yes

2020-02-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible. 01 XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX {$58000.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

AR

XXXXX

Consent provided

Web

2020-02-13

Closed with explanation

Yes

2023-08-27

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : Date of Birth : XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

EQUIFAX, INC.

NY

11216

Consent provided

Web

2023-08-27

Closed with explanation

Yes

2022-12-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Accounts opened fraudulently

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

75115

Consent provided

Web

2022-12-22

Closed with explanation

Yes

2019-11-10

Checking or savings account

Checking account

Closing an account

Company closed your account

We had a business checking account ( Acct # XXXX ) with Bank of America to accept payments from our customers for advertisement services. On XX/XX/2019, we had a returned check of {$300.00} ( Check # XXXX, please see attachment for check image ) from XXXX XXXX XXXX. On XX/XX/2019, we found out that our business bank account was locked. After visiting the bank on the same day, we were told the account was under force closure due to a counterfeit check deposited, which is the one mentioned above, the returned check numbered XXXX from XXXX XXXX. It's being handled by the Risk Department and they would not allow us to dispute or close our account before they close it and they were rude on the phone to the banker who was helping us to get more information on this matter. We also contacted our customer, check writer, to find out what really happened as to if it is really a counterfeit check?? And here 's what happened : The customer who wrote that {$300.00} check contacted his bank ( XXXX XXXX ) to stop the check because he didn't see his ad on the website the same day he paid, so he thought his ad was not on. Ads are posted one or two days after the ad fee is paid. So he called XXXX XXXX XXXX to refuse payment without asking us first. The customer stated that a XXXX XXXX representative suggested to him ( over the phone ) to close the current checking account and open a new one, so the check # XXXX will not get cashed. Therefore, the customer closed his XXXX XXXX checking account associated with check # XXXX. And that was the reason why that check bounced. Our Bank of America business checking account didn't show any problems until XXXX. Bank of America made the decision to close our business account without any type of notification to us, no email, no mail, no phone calls, no text messages, no In-App message, simply ZERO communication and notification. We must make it clear that the check # XXXX from XXXX XXXX was NOT a counterfeit check, that check is genuine, it belongs to the customer ( XXXX XXXX ) and his mother ( XXXX XXXX ). It was written from the joint XXXX XXXX checking account in both their names. Please note, XXXX XXXX is our customer and owner of the business paying for advertising. The customer XXXX has said that he can talk to Risk Department of Bank of America to explain the situation, but Bank of America Risk Department would not give us any chance to explain. The banker at the local BofA branch told us, once the Risk Department made the decision to close someone's account, no one can do anything, their Risk Department is above all. The banker also said she has lost many customers due to this kind of force closure by their Risk Department with no warning to the customer. Furthermore, my personal Bank of America checking account also got force closed by the Risk Department on Friday, XX/XX/2019, it's really hilarious that my personal checking account is newly opened on Tuesday, XX/XX/2019, and there is no activity yet. I opened the personal checking account with Bank of America only for our customers ' convenience, otherwise, I would never want to open any account with Bank of America in the future. This bank is really using abusive and unfair business practices inconsistent with the American way of business and I am sure inconsistent with the principles of CFPB. Bank of America made an INCORRECT conclusion/decision after two months of investigation, that is so not professional, and we do not accept this unfair outcome. Bank of America lets a {$300.00} check ruin my and my companys credit, is this how they treat the consumers?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

91765

Servicemember

Consent provided

Web

2019-11-10

Closed with explanation

Yes

2016-06-16

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Received bad information about my loan

I have spent 3 years getting XXXX excuse after another as to why my forgiveness has not been granted. I was told paper work had a problem, it takes a while to process, keep asking for deferment, it is forgiven but takes a few weeks to show. Now they have XXXX other social security numbers attached to my name and said I was denied in XXXX which was news to me. If they do n't know who I am why can they talk to me and if my loan was denied why am I getting to defer my payments still. I learned this XXXX XXXX XXXX. I am afraid if I reapply this will start all over and they will drag it on again saying it is a new application

Nelnet, Inc.

MN

55378

Consent provided

Web

2016-06-17

Closed with explanation

Yes

No

2023-03-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

15001

Consent provided

Web

2023-03-22

Closed with explanation

Yes

2023-06-20

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

752XX

Consent provided

Web

2023-06-20

Closed with non-monetary relief

Yes

2022-07-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

EQUIFAX, INC.

MA

01826

Consent provided

Web

2022-07-07

Closed with explanation

Yes

2019-11-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. The inquiry in question was apparently made by XXXX XXXX BXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX I contacted XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Virginia XXXX asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter,

EQUIFAX, INC.

NC

28273

Consent provided

Web

2019-11-25

Closed with explanation

Yes

2021-06-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am a victim of identity theft as I have notified Transunion already. I XXXX XXXX Give authorization to TransUnion to proceed with my claim of Mortgage fraud, as per Transunion request.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

119XX

Consent provided

Web

2021-06-14

Closed with explanation

Yes

2022-02-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

OH

43235

Consent provided

Web

2022-02-28

Closed with explanation

Yes

2023-02-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX LXXXX XXXX XXXX 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 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48317

Consent provided

Web

2023-02-02

Closed with non-monetary relief

Yes

2020-04-26

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

Hello- This is a transaction involving my Banker Capital One 360 and XXXX . I had registered on XXXX my Capital One Checking account. On XX/XX/XXXX a suspicious transaction of {$530.00} was noticed on my Bank account. This amount was withdrawn by XXXX from my Capital one 360 account. Subsequently i logged a incident with Capital one and XXXX on the same day. Later on XX/XX/XXXX Capital One 360 credited this amount back into my bank account, so did XXXX on XX/XX/2020. So i received a double credit from both the financial institution. I had to refund the amount back to XXXX Instead of enabling the process the ACH freeze had been put on my account and iam unable to transfer the amount back to XXXX. Reached out to my Bank Capital one and they pass the buck to XXXX and XXXX back to the Bank. I get reminders on the email to credit XXXX with XXXX, which i want to. However, because of ach freeze on my checking account, iam unable to do so. Have been a longstanding customer with both the financial institutions over 10 plus years. This is the first time iam encountering such utter customer dissatisfaction. They are refusing to provide basic service and it is appalling. regards XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

NC

28277

Consent provided

Web

2020-04-26

Closed with explanation

Yes

2022-04-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

EQUIFAX, INC.

IN

46235

Consent provided

Web

2022-04-05

Closed with explanation

Yes

2022-04-12

Credit card or prepaid card

Store credit card

Incorrect information on your report

Information belongs to someone else

I have a TD Bank Credit card on my credit, which is not mine and I did not authorize the account owner to add me as authorized user

TD BANK US HOLDING COMPANY

OH

45236

Servicemember

Consent provided

Web

2022-04-12

Closed with non-monetary relief

Yes