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HPE AI Solutions 2

2018-01-04

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

Good evening, I recently started trading crypto currency through Coinbase. I bought and sold a few shares and recently decided to cash out my account due to Coinbase issues Id heard about. They put these transactions through as debits vs. credits, over drafting the account tied to my debit card. Amounts of {$450.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. Ive tried emailing/calling/XXXX and anything else I can think of. This seems to be a very common problem if you dig deeper into this company.

Coinbase, Inc.

IN

475XX

Servicemember

Consent provided

Web

2018-01-04

Closed with explanation

Yes

2021-10-14

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

This is a direct response to a letter I received from Chase Bank 's fraud department. The letter was dated XX/XX/2021, but I received the letter in the mail yesterday. This letter says that they need my ID and the Identity theft report I completed online at IdentityTheft.gov I am filing a complaint, so I can keep a proper paper trail of my communication for Chase Bank 's fraud department as this has been ongoing for 4 months now, having sent my original letter XX/XX/2021 and today 's date - XX/XX/2021. I want to assure timely response from Chase Bank 's Fraud department while I continue to protect myself from future identity theft. Please see the documents you requested attached. " Subject : Action Needed : We need more information from you. ''

JPMORGAN CHASE & CO.

GA

306XX

Consent provided

Web

2021-10-14

Closed with explanation

Yes

2022-10-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX : 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 Section2 : 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 reachable cause to believe that the information is inaccurate.

EQUIFAX, INC.

NY

11422

Consent provided

Web

2022-10-01

Closed with explanation

Yes

2022-04-26

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I have three separate issues that I would like help with. I have done my best to summarize the issues below. Following the summary of the three issues, I have also included a full timeline of my loan including the context around the issues mentioned. Issues 1. - AES put my loan into some type of forbearance program and provided incorrect information about how this would affect my loan and payoff date. o In spring of XXXX, I called to ask some questions about the COVID payment and interest rate pause because I had had some financial setbacks due to a job loss and medical issues. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that XXXX, but was still struggling to catch up financially. o I was told that the COVID payment pause would not be a good fit because my loans would still accrue interest. The AES rep recommended a program that would be better because it will lower the payments. I asked a lot of questions and was told that this would not change the due date, would not increase the amount due, and would not change the interest rate. o The following year, I noticed that the total amount of the loan was not decreasing. I located my payment records on the website and found that almost 100 % of the payments were going to interest only. o When I called AES, I was told that I was actually on a forbearance program. I dont think the rep in XXXX explained that. Even if I somehow misunderstood that part, she still did not answer some of the questions correctly. o The rep I spoke with in XXXX said there are documents on the website, but they were hard to find and apparently they do not stay on the site permanently. He emailed the information. The information shows that my payoff date has now been pushed out to XX/XX/XXXX. My loan amount has not gone down and I do not know if there will be other adverse ramification to my loan after being put on this program. 2. - The information AES reports to the NSLDS and XXXX about my student loan is incorrect. It shows I have two unsubsidized loans, but my larger loan is a subsidized loan. It also shows an interest rate of 4.88 % however my rate is 3.875 % and has been for close to 12 years. o I want to consolidate to direct federal loans and apply for PLSF temporary waiver that expires in XX/XX/XXXX since I have worked for an eligible non-profit since XX/XX/XXXX. o The incorrect information reported to the XXXX prevents me from consolidating my loans to direct federal loans and switching to a new servicer. The XXXX representatives I spoke with said that I needed to get AES to correct the information they are reporting before applying to consolidate my loans with another servicer. Although the new servicer may receive the correct information from the old servicer ( AES ), its possible they may not. If they consolidate using the wrong information, they said it will be almost impossible to get it corrected after the loan consolidation is finished. o The higher interest rate and compounded interest added to my principle would make my payments considerably higher, would significantly increase the amount I have left to pay, and would push my payment timeline well into the future. The consolidation process rounds the percentage rate up from the reported interest rate. o I also can not use the XXXX payment plan calculator tool to choose a payment plan ( as required for the consolidation application ) because the higher numbers skew the proposed payment amounts significantly higher. o I have been contacting AES since XX/XX/XXXX and was told on more than one occasion that this has been taken care of, that they have submitted the correct information to the NSLDS, and that I would see updated, correct information on the XXXX website in five to 10 business days. o They never corrected the information as promised. XXXX representatives recommended that I file a case with the Ombudsman about the incorrect information as well as the forbearance issue. o In XX/XX/XXXX I filed a case with the XXXX Ombudsman and uploaded supporting documentation. o The XXXX Ombudsman did not respond within the 10 business day timeframe. I finally received an email that just said that I would need to work with AES and that they have closed my case. The email was brief and only mentioned the interest rate issue and nothing about the forbearance or anything else. o I called the XXXX ombudsman and found out that the case had been sent to the AES ombudsman ( not AES ). They said that the AES ombudsman was required to respond via email within 10 business days. They said that if I did not receive a satisfactory response, I should call them back to appeal and reopen my case. o I did not receive any emails or communication from the AES ombudsman within the 10 business day timeframe. o On day 11, I received a vague voicemail from an unknown number that said This is AES and we are just calling to let you know that you can contact us anytime if you have a question about your loan. I was confused because the voicemail did not mention my case or if the caller was with the ombudsmans office. o Within 10 minutes, I called the number given on the voicemail only to discover it was the general AES customer service number. When got through the phone tree and the hold time, the customer service person was confused. He said that he could see that there was an outgoing call to my number, but there were no notes whatsoever in the system. He had no way to help or understand why someone had called me. He tried to track down the caller, but could not. I asked him if the call could have been from the ombudsmans office since a case had been sent to them. He put me on hold again and was then immediately able to track down the person who had called me. o He connected me to the person from the voicemail, but she seemed reluctant to provide any information or help. I had to ask twice if she was with the ombudsmans office and she finally admitted that she was. I learned that nothing had been done on my case. I explained my concerns about the incorrect interest rate reporting and the forbearance. She immediately said oh the interest rate was probably just a temporary incentive program. I explained that I had never heard the words temporary incentive program and that my loan had been at the 3.87 % fixed rate for well over the past decade. o She said there wasnt much she could do, but maybe send an email to check on it. I explained again that I wanted to look into the possibility of applying for the PLSF waiver, but that I couldnt consolidate and that I was running out of time. o She said that I did not need to worry about running out of time because I would be eligible to apply for the PLSF waiver as long as the consolidation process had been started. I explained that information was incorrect. You need to complete the loan consolidation process ( which can take months ) and then apply for the PLSF waiver before XX/XX/XXXX when it expires. She told me twice that was incorrect and that I did not need to worry about running out of time. I have since confirmed with the XXXX that her information was wrong. o I asked why they had not responded via email within 10 business days as required by the XXXX. She said that they had experienced technical difficulties and that her email was not working. I asked if they have a number and she did give me her phone number and extension ( it was a completely different number than the main customer service number she had left on my voicemail ). I asked if she could have them correct the loan reporting as they had promised and asked if she could email me back with an update. She said it would take time but that she would call the following week. o Within the next hour or so, I received an email that said : Good afternoon, I received a response regarding the interest rates on the National Student Loan Data System ( NSLDS ) website. NSLDS reflects the statutory interest rate and does not update due to rate reduction programs. In addition, the 4.88 % that is currently showing on NSLDS, is rounded to the hundredth place since the initial interest rate was 4.875 %. Because your current interest rate of 3.875 % is a result of an incentive program, when we receive the consolidation application the incentive would be lost and, the loan would be consolidated at the original rate of 4.875 %. Please let me know if you have any further questions. Thank you, XXXX XXXX AES Ombudsman Group o I do not know if this information is correct, but I do know that it is the opposite of what I had been told by AES on more than one occasion. Since the other information she gave me about PLSF was incorrect, I do not feel confident in the validity of the answer. o Furthermore, even if they refuse to allow me to keep the 3.875 % fixed interest rate, I still do not understand how they can report to the NSLDS and the XXXX that I am paying 4.88 % when I have actually been paying 3.875 % for the past 12 years. o I called the XXXX ombudsman that same day and they filed an appeal and reopened my case. The person I spoke with said that they would expedite the response since so much time had elapsed. Since this was a Friday afternoon, she said that I would receive a phone call from the XXXX ombudsman the following Monday ( XX/XX/XXXX ) or Tuesday at the latest. o It is now late XXXX and I have yet to receive a call, email, or any other communication from the XXXX ombudsmans office. When I tried to check on the XXXX website, I could not find an open case. 3. - I would also like some clarification about my loan interest rate and payoff date. I am worried that there may have been discrepancies I missed in the past that could have affected my payoff date or amounts paid. o As Ive been researching more about my loans and payments, I found that my original Stafford loans consolidated back in XX/XX/XXXX all show an interest rate of 2.32 %. I do not understand how the original consolidation loan recommended by my schools financial aid office had a blended interest rate of 4.88 %. o Another confusing thing is that my loan schedule says that I am on extended select 2 which shows a term of XXXX payments ending on XX/XX/XXXX. I counted the number of payments I have made since the consolidation in XX/XX/XXXX ( not counting the two deferment periods, of course ) and I see XXXX payments. If you dont count the forbearance that they put me on in XXXX, it is still XXXX payments since XX/XX/XXXX. ( There were also payments made in XXXX XXXX, but Im assuming none of those factor into the equation or starting date. ) However, the most recent payoff date I can find now says XX/XX/XXXX and that I still owe {$20000.00} of the original {$32000.00} loan amount. The payments Ive made ( since XX/XX/XXXX ) total {$29000.00}, but {$15000.00} of that has gone to interest ( more than half ). o If I was on the extended select 2 repayment plan, then why have I made in excess of XXXX payments and why is my payoff date still so far away? If the forbearance plan payments they recommended in XXXX dont count, I should still be getting close. o I looked at the qualifications for the extended select 2 schedule and I dont see how I could have been put on that later since one of the requirements is that the person must have in excess of {$30000.00} outstanding on the loan. I have had less than that amount due since XXXX, so I would not have qualified after that point. o I am certainly not an expert in student loans, but the more I try to understand what I owe and when I will complete the loan payments, the more conflicting information I find. o If nothing else, I do not understand why my loan information is not being reported accurately to the XXXX XXXX XXXX XXXX made loan payments when I could not attend school due to work and other commitments. XX/XX/XXXX Graduated from continuing education program at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Was advised by school financial aid office to consolidate loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX so there would only be one payment with a blended interest rate that would lower the payment on some. The information I have shows that the consolidation loan had XXXX payments at 4.88 % with a payoff date of XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX loan payments. My understanding was that I was under the standard repayment plan. I was told on more than one occasion that I did not qualify for any other plan even though I had a single income and other debts ( school, medical, relocation, etc. ) XX/XX/XXXX XX/XX/XXXX deferment XX/XX/XXXX XX/XX/XXXX loan payments under the standard repayment plan. XXXX XXXX - Was struggling with payments due to financial and other hardships. Called on more than one occasion to inquire about payment plans, consolidating to direct loans per XXXX XXXX program, and other options. The interest rate was reduced to 3.875 %. I thought the loans had been consolidated to a federal direct loan. ( Upon a later inquiry in XX/XX/XXXX, I learned that the loans were actually never consolidated and were still under the old XXXX program. ) XX/XX/XXXX XX/XX/XXXX deferment XX/XX/XXXX XX/XX/XXXX payments under the standard repayment plan XX/XX/XXXX Struggling with payments due to job loss and other financial and medical setbacks. Called AES to ask some questions about the COVID program that temporarily suspended loan payments and interest. Was told that if I took part in that program, my loans would still accrue interest. They said I qualified for a program that was better because it would lower my payments and the interest would not accrue. I was skeptical and asked if lowering the payments would push the payoff date later. ( I explained that I was 50 and concerned about my ability to save for retirement if the loans are pushed out farther. ) I was definitively told no - that the payoff date would not get pushed later. I asked if the loan principle would still get paid off and I was told that it would. I asked if the interest would be higher and was told no that it would be the same rate I have now. I asked other questions like whether it would be a variable rate, if there would be some kind of balloon payment at the end, are there other issues I should be concerned about. I was told it would be the same rate I have now, fixed, no balloon payment, etc. ( I think this part was true. ) I said I didnt understand how I could just qualify for lower payments without any kind of catch and I was told I qualified for the program due to the amount of time I had been paying on the loan. I had been struggling to pay on the loan for around XXXX XXXX at that point, so I believed her. XX/XX/XXXX now loan payments under this new program XX/XX/XXXX I noticed that my loan amount did not seem to be decreasing. I looked online and downloaded the record of my payments and saw that all of those payments had gone almost entirely to interest. The principle was almost exactly the same as it had been in XX/XX/XXXX. Per someones advice, I contacted the XXXX and created an account on studentaid.gov. They said they could not help because my loans had never been consolidated to a federal direct loan and that I would need to work it out with AES. The customer service rep recommended that I consolidate the loans afterward and explained I would need to fill out an application with the XXXX for that to happen. I called AES to ask why the loan amount was not decreasing and was informed that I was on a forbearance program. This customer service person ( XXXX XXXX was actually very kind and helpful. He explained that there were documents on the AES platform ( I was not aware of that ) but that they only remain on the platform for a certain amount of time. He sent me some information about the forbearance via email. He also recommended that I consolidate the loan to a federal direct loan. He asked about my employer and said that I may qualify for PLSF since I had been working for an eligible non-profit organization since XX/XX/XXXX. When I called AES in XXXX, I definitely did not understand the nature of the program the rep recommended and the ramifications were not explained accurately. It is possible she said the word forbearance and I didnt hear or understand her ( I dont think so, though ). Regardless, I asked many, very specific questions about whether this new payment program would adversely affect my loan, payoff date, or amount due in any way and she literally and cheerfully said nope! each time. In XXXX, it would have made more sense for the rep to advise me to consolidate my loans to direct federal loans, take part in the COVID payment pause, and apply for the PLSF program since I was now working for a non-profit. Instead, I made payments that went almost 100 % to interest and pushed the payoff date of the loan. As near as I can tell from the paperwork XXXX sent me, the payoff date of my loan is now XXXX, XXXX, XXXX! XX/XX/XXXX there was an announcement about a temporary waiver to count XXXX payments towards the PLSF program. I verified my current employer qualifies, but wanted to see if this program might help me to pay off my loans sooner. I also wanted to choose a new servicer because I was upset at the number of times I had been given confusing or incorrect information from AES. I tried to consolidate the loans on the studentaid.gov website, but you are required to choose a repayment plan using XXXX repayment calculator tool. I discovered that the payment calculations were much higher because AES has been reporting my interest rate to the XXXX as 4.88 %. My rate had been lowered in XXXX to 3.88 % fixed. They also reported that both loans were unsubsidized loans, however, the larger of my two loans is a subsidized loan. The XXXX said they can not see this information and that AES would need to correct all of this before I could apply for a consolidation. I called AES and they confirmed that my rate was 3.87 % and that it would be corrected in five to 10 business days along with the loan type to subsidized. XX/XX/XXXX I contacted AES again because the information reported to the DOE had not been updated or corrected. They said that they could see that the ticket had been submitted and was still open. They said to give it another five to 10 business days and that I should see the correct information on the XXXX website. I explained each time that I wanted to consolidate and check into the temporary PLSF waiver to see if I might qualify and was worried about running out of time. XX/XX/XXXX- I contacted AES again because the information reported to XXXX had not been updated or corrected yet. They said that they could see that the ticket was still open and that it was with the NSLDS to make the correction on the XXXX website. They said to give it another five to 10 business days and that I should see the correct information on the XXXX website very soon. I explained again that I wanted to consolidate and check into the temporary PLSF waiver and was worried about running out of time. I had also contacted the XXXX during this time and they had recommended that I file an ombudsman case if the matter is not resolved promptly. They cautioned me that I needed to get the reporting resolved very soon so that I could get the consolidation process started. XX/XX/XXXX None of the incorrect information was updated on the XXXX website. I contacted the XXXX ombudsman phone number I had been given by the XXXX reps. I explained the issues with the loan information being reported incorrectly and the forbearance. The person recommended that it would be better if I filed my case on the website instead of by phone because I could upload additional documents to support my case ( XXXX XXXX from the AES website showing my actual interest rate of 3.875 % with subsidized and non-subsidized loans, information showing the loan amount had not decreased since XX/XX/XXXX, etc. ) I offered to email these, but she said it would be better to file online. I filed the case online and uploaded as much documentation as they would accept ( it was limited ). It said I would hear something back via email in five to 10 business days. After the 10 business days had passed with no word, I finally received a brief email saying the XXXX Ombudsman had sent the issue to AES to be resolved and that my case was now closed. It only mentioned the interest rate and nothing else. There were no next steps or other clarifying information. I called the XXXX ombudsman number and explained that AES had had many opportunities to resolve the issues and had repeatedly and deliberately failed to do so. I was at least able to learn that the case was with the AES ombudsman ( not just AES as the email had stated ) and that they were required to reply via email within 10 business days. I asked what I could do if they did not resolve the issue. I was told I could call to appeal the case and have it reopened. I again expressed my concern that I wanted to see whether I might qualify for the temporary PLSF waiver and was worried I was running out of time. The ongoing 10 business days was adding a lot of time. I explained that the XXXX had recommended that I consolidate asap as soon as the issues were resolved because the process can take months. XX/XX/XXXX 10 business days later. No word or communication from AES. XX/XX/XXXX I received a vague voicemail from an unknown number that said This is AES and we are just calling to let you know that you can contact us anytime if you have a question about your loan. I was confused because the voicemail did not mention my case or if the caller was with the ombudsmans office. Within 10 minutes, I called the number given on the voicemail only to discover it was the general AES customer service number. When got through the phone tree and the hold time, the customer service person was confused. He said that he could see that there was an outgoing call to my number, but there were no notes whatsoever in the system. He had no way to help or understand why someone had called me. He tried to track down the caller, but could not. I asked him if the call could have been from the ombudsmans office since a case had been sent to them. He put me on hold again and was then immediately able to track down the person who had called me. He connected me to the person from the voicemail, but she seemed reluctant to provide any information or help. I had to ask twice if she was with the ombudsmans office and she finally admitted that she was. I learned that nothing had been done on my case. I explained my concerns about the incorrect interest rate reporting and the forbearance. She immediately said oh the interest rate was probably just a temporary incentive program. I explained that I had never heard the words temporary incentive program and that my loan had been at the 3.87 % fixed rate for well over the past decade. She said there wasnt much she could do, but maybe send an email to check on it. I explained again that I wanted to look into the possibility of applying for the PLSF waiver, but that I couldnt consolidate and that I was running out of time. She said that I did not need to worry about running out of time because I would be eligible to apply for the PLSF waiver as long as the consolidation process had been started. I explained that information was incorrect. You need to complete the loan consolidation process ( which can take months ) and then apply for the PLSF waiver before XX/XX/XXXX when it expires. She told me twice that was incorrect and that I did not need to worry about running out of time. I have since confirmed with the DOE that her information was wrong. I asked why they had not responded via email within 10 business days as required by the XXXX She said that they had experienced technical difficulties and that her email was not working. I asked if they have a number and she did give me her phone number and extension ( it was a completely different number than the main customer service number she had left on my voicemail ). I asked if she could have them correct the loan reporting as they had promised and asked if she could email me back with an update. She said it would take time but that she would call the following week. Within the next hour or so, I received an email that said : Good afternoon, I received a response regarding the interest rates on the National Student Loan Data System ( NSLDS ) website. NSLDS reflects the statutory interest rate and does not update due to rate reduction programs. In addition, the 4.88 % that is currently showing on NSLDS, is rounded to the hundredth place since the initial interest rate was 4.875 %. Because your current interest rate of 3.875 % is a result of an incentive program, when we receive the consolidation application the incentive would be lost and, the loan would be consolidated at the original rate of 4.875 %. Please let me know if you have any further questions. Thank you, XXXX XXXX AES Ombudsman XXXX I do not know if this information is correct, but I do know that it is the opposite of what I had been told by AES on more than one occasion. Since the other information was incorrect, I do not feel confident in the validity of the answer. Furthermore, even if they refuse to allow me to keep the 3.875 % fixed interest rate, I still do not understand how they can report to the NSLDS and the XXXX that I am paying 4.88 % when I have actually been paying 3.875 % for the past 12 years. XX/XX/XXXX I called the XXXX ombudsman and explained the situation. They filed an appeal and reopened my case. The person I spoke with said that they would expedite the response since so much time had elapsed. Since this was a Friday afternoon, she said that I would receive a phone call from the XXXX ombudsman the following Monday ( XX/XX/XXXX ) or Tuesday at the latest. It is now late XXXX and I have yet to receive a call, email, or any other communication from the XXXX ombudsmans office. When I tried to check on the XXXX website, I could not find an open case. I do not know if the PLSF waiver or newly-announced IDR changes might help me to pay my loan off faster, but I do know that the incorrect information reported to the XXXX prevents me from consolidating to a new servicer. The higher interest rate and compounded interest added to my principle would make my payments considerably higher, would significantly increase the amount I have left to pay, and would push my payment timeline well into the future. If nothing else, I do not understand how it could be legal for my current loan and interest rate payment information to be reported incorrectly to the XXXX I also do not think it is ethical or fair that AES would try to prevent me from changing servicers by refusing to report the actual interest rate I have been paying for close to 12 years.

AES/PHEAA

NC

27713

Consent provided

Web

2022-04-26

Closed with explanation

Yes

2022-02-12

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the report

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

ME

XXXXX

Consent provided

Web

2022-02-12

Closed with non-monetary relief

Yes

2022-05-03

Checking or savings account

Checking account

Opening an account

Account opened as a result of fraud

Hello, my name is XXXX. i have been going back and forth with XXXX XXXX Regarding unauthorized inquiries and accounts on my report that I didn't authorize nor open. These inquiries and accounts are preventing me from opening any new bank accounts. I have submitted multiple FTC complaints and gave received no help or solutions. We are on the verge of filing a lawsuit against for the violation of consumer act for reporting inaccurate accounts on my XXXX XXXX report. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : BANK OF AMERICA GEORGIA ( account XXXX ), XXXX XXXX XXXX XXXX account number : XXXX ), XXXX XXXX XXXX ( account XXXX ), XXXX XXXX XXXX XXXX ( account number : : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), : XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX XXXX XXXX ( account number : XXXX ), as well as the following inquiries : XXXX XXXX ( XX/XX/19 ) and XXXX XXXX ( XX/XX/19 ). I will be pursuing litigation against them for fraud pain suffering!

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

BANK OF AMERICA, NATIONAL ASSOCIATION

GA

30127

Consent provided

Web

2022-05-03

Closed with explanation

Yes

2021-03-15

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

Credit reporting

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

Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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

I.C. System, Inc.

OR

97070

Consent provided

Web

2021-03-18

Closed with explanation

Yes

2022-04-21

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 Accounts # 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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

358XX

Consent provided

Web

2022-04-21

Closed with non-monetary relief

Yes

2021-08-13

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

Got a letter from Credit Collection Services stating I owed hem money for car insurance through XXXX! I contacted XXXX and they stated I have never had car insurance with them and this collection company is trying to collect money under false pretenses! I contacted this company CREDIT COLLECTION SERVICES and they were so ruied and calling me a lier and Im a state Judge with morals!!! I have filed a FTC report and police and NC Insurance commission! Clearly this company is making up false information to collect money!!

Company believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

NC

283XX

Older American

Consent provided

Web

2021-08-13

Closed with explanation

Yes

2019-08-22

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

- Opened my Chase checking account on XX/XX/XXXX to receive a promotion going on at the time. Advertised {$300.00} for opening an account with Direct Deposit. XXXX XX/XX/XXXX I noticed the bonus hadn't posted yet so I called. They told me there was nothing they could do. My wife then called with me again later that same day, this time they told me they would open a case and call me back in 3 days. 4 days later no call, so I call them again on XX/XX/XXXX. They then tell me I need to go into a branch. -I go to a branch on XX/XX/XXXX they completely understood my situation and said they would call me back. XXXX XXXX the lady from the branch calls me and says there is nothing they can do even though I met the promotion qualifications because its past 21 days.

JPMORGAN CHASE & CO.

TX

75061

Consent provided

Web

2019-08-22

Closed with explanation

Yes

2017-09-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Equifax had a major data breach recently and there is hard inquiries on my credit report that are fraudulent, unauthorized and do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX

EQUIFAX, INC.

MN

55417

Servicemember

Consent provided

Web

2017-09-29

Closed with explanation

Yes

2022-05-25

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, 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.

MI

48141

Servicemember

Consent provided

Web

2022-05-25

Closed with explanation

Yes

2017-05-18

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

Credit reporting

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

Their investigation did not fix an error on your report

I have disputed XXXX public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a 3rd party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

34953

Consent provided

Web

2017-05-18

Closed with explanation

Yes

2023-05-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I just got my credit report after almost 2 years of not monitoring my report after getting calls by collections agencies asking me for my informations to verify a debt, which I refused to do and then checked my report. I have been a victim of identity theft and had fraud alerts placed on my reports 2-3 years ago YET some accounts have still been opened. Not just that they refused to removed addresses Ive never been associated with or like at AND XXXX has a ssn on my profile that isnt mine and REFUSES to remove it. 2 years ago I had them remove it by disputing it, I sent in a copy of my DL, a picture of my ssn etc and they told me it will be removed. They never did! They I called to let them know that XXXX XXXX Cant even generate my score because of mix match files on my report ( the ssn ) and they had the nerves to tell me nothing is wrong with my credit file and they can send me by mail my credit report. XXXX?!? I need to acces my credit report online! I dont pay {$29.00} to have to call you and request my credit report. I have been unable to open a checking account with XXXX XXXX even though I have a savings account with them because they uses XXXX and couldnt access my report. Again XXXX was no help. This is my last attempt before I lawyer up and sue them.

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

Experian Information Solutions Inc.

NM

871XX

Consent provided

Web

2023-05-28

Closed with explanation

Yes

2019-01-18

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I HAVE REQUESTED PHYSICAL DOCUMENTATION FROM XXXX XXXX OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING. I have a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Charter DELETE this account UNTIL PROOF OF CLAIM IS PROVIDED. I am requesting that XXXX XXXX pick a day in XX/XX/2018, where we can meet in XXXX CA. I want you bring the original promissory note that I sign and I want to expert document look at promissory note and I will be able prove that you have counterfeit promissory note.

Company can't verify or dispute the facts in the complaint

The CMI Group, Inc.

CA

92395

Consent provided

Web

2019-01-18

Closed with non-monetary relief

Yes

2019-05-01

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

Beginning in XX/XX/XXXX-present I have disputed a credit card with XXXX XXXX XXXX XXXX when I noticed on my account as charge off. I have sent four rounds to the three credit bureaus, I have even sent validation letters to XXXX, and spoke with a representative at XXXX XXXX XXXX XXXX and she stated they did not have ANY information on file that hold me accountable for this debt. I never heard from a collection company and XXXX XXXX XXXX XXXX.

Radius Global Solutions LLC

SC

XXXXX

Consent provided

Web

2019-05-01

Closed with explanation

Yes

2019-12-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are several items on my credit report due to fraud and i have reach out to all three credit bureaus with absolutely no response. not one has even investigated the issue or tried to assist me in any way.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

765XX

Consent provided

Web

2019-12-07

Closed with explanation

Yes

2022-04-07

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 # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX 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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28659

Consent provided

Web

2022-04-07

Closed with non-monetary relief

Yes

2023-06-26

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

This company ran my credit as if they were a creditor and they may have obtained credit, Im not sure. However, they ran my credit 3 times and they are debt collectors, Ive never seen a debt collector run credit. They are not providing credit to me, so, why, would they run my credit? Weird, and a violation of my rights. I never gave permission to portfolio recovery solutions, to run my credit. Not even once, we never spoke, they never asked and I did not give them my personal information. This company was partially the reason I was denied for a home equity loan and a USDA loan to start a farm. Now I have nothing and I cant complete renovations on my house.

PORTFOLIO RECOVERY ASSOCIATES INC

NY

10453

Consent provided

Web

2023-06-26

Closed with explanation

Yes

2021-03-09

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

Credit reporting

Incorrect information on your report

Account status incorrect

I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.

EQUIFAX, INC.

IL

60538

Consent provided

Web

2021-03-09

Closed with explanation

Yes

2023-06-09

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21207

Consent provided

Web

2023-06-09

Closed with non-monetary relief

Yes

2018-03-18

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

This is a corporate credit card. They agreed to remove as it was not my fault it wasnt paid as the amount was so large it required executive level sign off. It went on my credit and its not my card its the company card used for corporate travel. I no longer work for the company and it continues to hinder/ruin my credit. I have contacted the company and they said they would remove it and have failed to do so. They were reporting it unpaid for the longest time and i had to dispute that as well. The finally marked it paid but refuse to remove it after stating they would.

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

CITIBANK, N.A.

NJ

08088

Consent provided

Web

2018-03-18

Closed with explanation

Yes

2023-03-27

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. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX : XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer Reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Experian Information Solutions Inc.

TX

779XX

Consent provided

Web

2023-03-27

Closed with explanation

Yes

2022-09-02

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

accordance with the fair credit reporting act XXXX Account 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. With all do respect i've reported this account twice now please take action you have no idea how bad having this certain account on my account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77057

Consent provided

Web

2022-09-02

Closed with non-monetary relief

Yes

2023-03-01

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 sent a letter on XX/XX/2022 to Experian. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. According to the la w 15 U.S. Code 1681a- Definitions ; rules of construction. The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

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

Experian Information Solutions Inc.

TN

38134

Consent provided

Web

2023-03-01

Closed with explanation

Yes

2022-06-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

THIS ACCOUNT HAS VIOLATED MY RIGHTS ; XX/XX/XXXX CARD ACCOUNT NUMBER : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.

IL

601XX

Consent provided

Web

2022-06-26

Closed with explanation

Yes

2023-08-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

CA

92887

Consent provided

Web

2023-08-18

Closed with explanation

Yes

2021-10-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX card please remove very misleading and deceptive, I want this removed not mine, I dont appreciate this bank being deceptive to there customers and when talking with them or trying To understand any information its like dealing with a scammer and I want this off my credit report its a credit card called reflex from XXXX XXXX last four of that card number is XXXX

EQUIFAX, INC.

GA

30101

Servicemember

Consent provided

Web

2021-10-11

Closed with explanation

Yes

2023-01-17

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

On XXXX the XXXX 2022, I was unaware of a credit check from SYNCB that resulted from a hard inquiry. I purchased an item through the agency XXXX XXXX XXXX. As I purchased the item with the cashier they signed me up for me to take out a card and I agreed, I later declined and the cashier told me that she canceled my transaction. At the time I did not worry about it since I thought this will not affect me. I later then find out through XXXX XXXX that XXXX shows I have a hard inquiry and this could impact my credit. I immediately call XXXX XXXX XXXX to get this disputed and they can't seem to find any information under my name or by social security number, and they say I am not even a customer as if I do not exist. At this moment I would like to file a complaint for inaccurate information on my credit report towards SYNCB. Thank you for your time and consideration.

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

SYNCHRONY FINANCIAL

TX

79915

Consent provided

Web

2023-01-17

Closed with explanation

Yes

2023-04-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2017 Balnce : {$380000.00}, XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2017 Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07105

Consent provided

Web

2023-04-11

Closed with non-monetary relief

Yes

2023-09-01

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

From XX/XX/2023 through XX/XX/2023 my credit report has been accessed by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX and several inquires from XXXX XXXX XXXX. I did not authorize any of these inquires. I have authorized XXXX XXXX to access my credit report only once and I now have ( XXXX ) inquires affecting my credit score. I want all these inquires removed immediately. I had a preauthorization/preapproval with XXXX XXXX XXXX only and authorized for my credit to be pulled once. Please see the attached documentation.

Experian Information Solutions Inc.

VA

23238

Consent provided

Web

2023-09-01

In progress

Yes

2023-05-23

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

Credit reporting

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

Was not notified of investigation status or results

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

703XX

Consent provided

Web

2023-05-23

Closed with non-monetary relief

Yes

2023-07-26

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

Credit reporting

Incorrect information on your report

Account information incorrect

Incorrect third party credit reporting

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

MicroBilt / PRBC (formerly CL Verify)

MI

48507

Consent provided

Web

2023-07-26

Closed with explanation

Yes

2022-12-30

Checking or savings account

Savings account

Managing an account

Funds not handled or disbursed as instructed

I am writing to you regarding fraudulent activity on my debit card and savings account. I would first like to mention my debit account is now closed since that claim has been completed. I mention it in this document as it correlates to the second claim. Claim No. XXXX was opened. Fraudulent amount {$140.00} ( bank info attached ) Claim No. XXXX was opened. Fraudulent amount {$960.00} ( bank info attached ) On XX/XX/XXXX someone walked into the BOA XXXX XXXX in downtown XXXX, Texas claiming to be me. They deposited a fraudulent check in the amount of {$960.00} and immediately withdrew {$140.00}. ( bank info attached ) Claim No. XXXX was opened as a result of the above. BOA immediately applied a chargeback fee and took out {$520.00} from my savings account. ( bank info attached ) In addition, I am attaching XXXX XXXX XXXX letters received from BOA. The XXXX letter dated XX/XX/2022 informs us that the investigation is complete and that there is no loss to us. They reference XXXX but I believe it should be XXXX. I have since received the {$140.00} and have closed this account. The fraudulent deposit of {$960.00} was debited from the account. The second XXXX XXXX letter dated XX/XX/2022 informs me that the investigation is complete and that there is no loss to me. They reference XXXX. We have made numerous phone calls to the BOA fraud dept and have spent numerous hours talking to the fraud specialists but with no successful outcome. Both these letters ( attached ) specify that the fees would be adjusted and there would be no loss to me. However, I have yet to receive the XXXX Back fee of {$520.00} taken out by BOA from my savings account. There was never a {$520.00} credit to this account. There has also been a case opened with the XXXX Police Department to view the video footage of the perpetrator and press charges ( Case # XXXX ) I would like to get this sorted ASAP so that my funds ( {$520.00} ) can be deposited back into my saving account.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

75028

Consent provided

Web

2022-12-30

Closed with monetary relief

Yes

2022-04-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

According to below LAW States 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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXXXXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with XXXX different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. In Accurate address : 1 ) XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX this some commercial address not even home address XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

85345

Consent provided

Web

2022-04-11

Closed with non-monetary relief

Yes

2023-02-12

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

ON XX/XX/2023 THERE WAS AN INQUIRY ON MY CREDIT REPORT ACROSS ALL 3 CREDIT BUEARUS ( EQUIFAX, XXXX AND XXXX ) FROM AN " EQUIFAX MORTGAGE SERVICES '' COMPANY. I DO NOT RECOGNIZE THIS INQUIRY AND WOULD LIKE FOR IT TO BE REMOVED. I HAVE ALREADY TRIED TO SOLVE THE PROBLEM WITH THE COMPANY. THE INQUIRY WAS UNAUTHORIZED AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

EQUIFAX, INC.

SC

29229

Consent provided

Web

2023-02-12

Closed with explanation

Yes

2022-11-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XXXX credit report, there is an address listed that I never had : XXXX XXXX XXXX XXXX wv XXXX. Also, there is a hard inquiry from XXXX that I never made. There are numerous soft inquiries that I am not making. On Transunion credit report, there are two hard inquiries that I have not made : XXXX XXXX & XXXX XXXX CARD. There are also multiple repeated closed accounts of XXXX XXXX, which is the same account as my active XXXX XXXX XXXX XXXXXXXX. On XXXX credit report, there are multiple repeated closed accounts of XXXX XXXX which is the same account as my active XXXXXXXX XXXX XXXX XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WV

254XX

Consent provided

Web

2022-11-16

Closed with non-monetary relief

Yes

2018-05-09

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

On XX/XX/2018 I filed a complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Salem XXXX XXXX was showing ( 4 ) property tax bills that were fraudulent. Ref # XXXX you completed the investigation and they stated on XX/XX/2018 that they had reviewed all information regarding these accounts and discovered that they have all been closed and cancelled in there office on XX/XX/2018. These accounts have been marked for deletion on XX/XX/2018. They had reported them on XXXX on XX/XX/2018 now on XX/XX/2018 they have placed them on my XXXX. It appears they are continuing to replacing them on each credit reporting company 's. This is harassment and really need to be taken care of with them due to this being my second complaint. Thanks

DataMax Corporation

NC

28214

Consent provided

Web

2018-05-09

Closed with explanation

Yes

2022-12-08

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

Credit reporting

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

Was not notified of investigation status or results

This accounts were not mine and why are they on my report? This has been disputed last XXXX of XXXX however I haven't received any response from the respective agencies. I was taken advantage and now am I being ignored by them? This isn't fair.

EQUIFAX, INC.

GA

30215

Consent provided

Web

2022-12-08

Closed with explanation

Yes

2018-10-28

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

On XX/XX/2018 a charge for {$680.00} posted to my account from XXXX XXXX XXXX. The amount was for an estimate I received for work. I have used this vendor in the past, so my CC information was available to them and they billed me in advance without my permission. When the actual work was completed I paid XXXX grounds with a money order. A copy of which I provided to the credit card company at their request but I still do not understand how that was germane to my complaint. When I noticed the charge on my account, I contacted XXXX and requested a refund. XXXX refused my request and offered a credit towards future work. I declined as I did not want to utilize them again since they took liberties to bill my credit card without my permission. I called my credit card company and reported the fraudulent charge. I reported that I did not authorize the charge. My credit card has a chip embedded and the charge was not process by the chip, the magnetic swipe nor does the merchant have a signature on file verifying I authorized the transaction. I have made numerous attempts with my credit card company to have this fraudulent charge removed from my account without success

CAPITAL ONE FINANCIAL CORPORATION

NV

XXXXX

Consent provided

Web

2018-10-28

Closed with monetary relief

Yes

2023-09-28

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent itemsin my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

NY

14624

Consent provided

Web

2023-09-28

Closed with non-monetary relief

Yes

2020-06-26

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

There are inquiries on my credit report that are older then 2 years. These are inquires from XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, Removal date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

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

Experian Information Solutions Inc.

CA

XXXXX

Consent provided

Web

2020-06-26

Closed with non-monetary relief

Yes

2022-11-03

Debt collection

Other debt

Written notification about debt

Didn't receive notice of right to dispute

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was not given proper notice under the FDCPA prior to this item being placed on my credit report

CL Holdings LLC

TN

37072

Consent provided

Web

2022-11-03

Closed with explanation

Yes

2023-07-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

ENCORE CAPITAL GROUP INC.

GA

301XX

Consent provided

Web

2023-07-08

Closed with explanation

Yes

2023-08-28

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90278

Consent provided

Web

2023-08-28

Closed with non-monetary relief

Yes

2022-03-10

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 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

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

Experian Information Solutions Inc.

MN

55429

Consent provided

Web

2022-03-10

Closed with non-monetary relief

Yes

2022-11-09

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 tair credit Reporting act XXXX Account ending # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

DISCOVER BANK

FL

347XX

Consent provided

Web

2022-11-09

Closed with explanation

Yes

2023-08-03

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

I have made several attempts to remove this account that is reporting inaccurate information against me to the credit bureaus & third part agencies, this company refuse to validate or investigate this matter properly to clear my innocence. after inputting several requests pleading for a fair investigation multiple times with this collection agency & all three bureaus ( XXXX, & XX/XX/23 ) & all three bureaus no had a not even a drop of empathy. this matter has caused a dramatic negative impact to my life & everyday living. I never gave authorization or signed any contract to have my personal information passed around nor over to WAKEFIELD & ASSOCIATES , LLC who continues to tarnish my name. this unfair discriminating behavior has caused me to be viewed as unreliable & untrustworthy individual, i am being judged before even getting an opportunity ; how injustice is this. please help.

W&A Intermediate Co., LLC

TN

XXXXX

Servicemember

Consent provided

Web

2023-08-03

Closed with explanation

Yes

2015-10-02

Debt collection

Payday loan

Disclosure verification of debt

Not given enough info to verify debt

This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.

CURO Intermediate Holdings

TX

77523

Consent provided

Web

2015-10-06

Closed with explanation

Yes

No

2020-04-25

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I was with XXXX and I switch over to XXXX XXXX and XXXX XXXX they will pay them of so when I switch to XXXX XXXX they said I have to paid XXXX of..so they send me to collection both XXXX and XXXX XXXX and this is been damaged to my credit..they deceive me and mess my credit up I have suffer financial hardship it cause me health problems in my life and can't get a house loan for my family..XXXX XXXX and XXXX cause hardship in my life

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

Receivables Performance Management, LLC

MN

553XX

Consent provided

Web

2020-04-29

Closed with explanation

Yes

2021-02-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX

EQUIFAX, INC.

MI

48237

Consent provided

Web

2021-02-22

Closed with explanation

Yes

2020-11-17

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

I sold a pair of shoes to an individual. He paid through XXXX XXXX for {$260.00}. This person confirmed received the item and XXXX says that the package was delivered. However, this person notified me that they had their XXXX XXXX account hacked. Whomever hacked the account desputed the transaction and the total of the sale was immediately withdrawn from my account. Chase ( my bank ) refused to block or refund this transaction. They said they couldn't interfere since the hacker disputed the charge through the bank.

JPMORGAN CHASE & CO.

CA

90046

Consent provided

Web

2020-11-17

Closed with monetary relief

Yes

2022-07-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Placed credit inquiries on credit reports Didnt apply for credit with this company

Byrider Franchising, LLC

OH

433XX

Consent provided

Web

2022-08-04

Closed with explanation

Yes

2023-03-05

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

As of XX/XX/2022 The Credit bureaus stated Account Name BANK OF AMERICA XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these agencies written permission to furnish these accounts on my credit report as well

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

BANK OF AMERICA, NATIONAL ASSOCIATION

NY

11102

Consent provided

Web

2023-03-05

Closed with explanation

Yes

2020-04-08

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 certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the Experian or XXXX never responded to their request. XXXX, Experian nor XXXX has sent me the Method of verifying this information.

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

Experian Information Solutions Inc.

IL

60609

Consent provided

Web

2020-04-08

Closed with explanation

Yes

2017-08-30

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have sent in inquire letters, and called nothing was resolved. XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30906

Consent provided

Web

2017-08-30

Closed with explanation

Yes

2023-07-13

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

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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

Experian Information Solutions Inc.

FL

34476

Consent provided

Web

2023-07-13

Closed with explanation

Yes

2020-04-14

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX, XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, US DEPT OF ED/XXXX., US DEPT. OF EDUCATION, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. have all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. My personal information on my credit report is inaccurate as well. I have requested to have my addresses, telephone number, and names corrected on my report this is a violation on my consumer protection rights.

EQUIFAX, INC.

GA

30152

Consent provided

Web

2020-04-14

Closed with explanation

Yes

2022-06-24

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

WI

53209

Consent provided

Web

2022-06-24

Closed with explanation

Yes

2022-08-08

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

Credit reporting

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

Their investigation did not fix an error on your report

These uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$450.00} ; XXXX XXXX XXXX Balance : {$2100.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

273XX

Consent provided

Web

2022-08-08

Closed with non-monetary relief

Yes

2020-02-19

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

On XX/XX/2020 I applied for the XXXX Mastercard that is advertised at the link here : XXXX XXXX XXXX. The XXXX Mastercard is clearly advertised as " If Approved, Make a Purchase Immediately. '' After completing the online application through Synchrony Bank, I had to call in to the 800 number listed to confirm security details. This process seemed ordinary, so I answered the questions respectfully and in full. Upon finishing the questions, I was approved for the credit card. Great news! I was ready to begin using my new card immediately. However, when asked how this was possible, the agent, XXXX, informed me that it was NOT possible to make a purchase immediately. While he did understand that the marketing of the product clearly and undoubtedly states that the consumer would be able to " Make a Purchase Immediately '' - he stated that there were several different cards that this could be referring to. Upon further clarification that there is only one XXXX Mastercard that I applied for and was approved for, XXXX stated that the marketing was correct because " I would be able to use the card immediately after receiving the physical card in XXXX days. '' Upon escalating the situation to a supervisor, XXXX, it was clear that Synchrony Bank is specifically aware of the false advertising of the card, and that they were unwilling to provide any reasonable solution for the consumer. I suggested to XXXX that a reasonable solution would be to overnight or express ship the physical card to my address. While this is not " immediate, '' I felt that it would be a fair way to mitigate the situation. XXXX refused to have the card express shipped and agreed, without question, that I had been misled by the marketing of this product. Unfortunately, there is no way to go back in time and un-run my credit report or take back my social security number. However, Synchrony Bank is specifically at fault for this situation for a ) including misleading or incomplete marketing information to advertise their XXXX Mastercard, and b ) failing to provide a reasonable level of customer service by expediting the delivery of the card.

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

SYNCHRONY FINANCIAL

NY

11238

Consent provided

Web

2020-02-19

Closed with explanation

Yes

2020-04-14

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I opened a Saks Store Card via web application. My application was pending approval until I spoke to a processing representative. The representative approved the application over the phone and read the account number to me. The credit card limit was between $ XXXX. I tried to make a purchase online on XX/XX/XXXX, using the account number I received ; however, the order world not process for payment. I called Saks and the representative informed me that a the card was used to make a purchase was made for {$200.00} in XXXX XXXX, NJ on XX/XX/XXXX. I live in XXXX XXXX, CA. I immediately reported the charge as fraud and the representative assured me the fraud department would contact me within 24 hours. I either missed or did not receive a call from the fraud department. In XX/XX/XXXX, I contacted Saks to let them know I was still receiving a bill for the disputed charge. Saks claimed I never completed an official claim through Capital One. I contacted Capital One, who completed the fraud claim and assured me the matter was handle. I repeatedly asked for the card to be closed, but the representative insisted the card remain open in order for the dispute to be completed. I continued to receive bills in XXXX. I called capital one again and insisted the card be closed. As of XX/XX/XXXX, Saks has been calling and harassing me twice a day for over a month. The calls start at XXXX. I have found no relief through the available channels and the behavior is predatory. I have never had access to this physical card. I was never able to make a purchase. I believe the charge was made by an employee who has access to account numbers. I have exhausted all efforts to find a resolution and the matter is impacted my credit score.

CAPITAL ONE FINANCIAL CORPORATION

CA

94803

Consent provided

Web

2020-04-14

Closed with monetary relief

Yes

2018-08-01

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018 I was charged XXXX by XXXX I called Citibank to tell them that the charge was fraudulent and did not receive the product as it was described. I was told that I would receive conditional credit. However, I just received a letter from Citibank stating that that my conditional credit to my account is being rebilled and any related fees and interest charges will be added. I stated to Citibank that I did not receive the items and they were described and did not agree with the charge on my credit card. Now on a letter dated XX/XX/2018 my credit card is being rebilled. This is not fair to me the consumer when goods and services were not delivered.

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

CITIBANK, N.A.

NY

139XX

Consent provided

Web

2018-08-01

Closed with monetary relief

Yes

2023-08-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

45237

Consent provided

Web

2023-08-07

Closed with non-monetary relief

Yes

2022-05-03

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against CITIBANK N.A. for committing identity theft. I have never given CITIBANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article XXXX, 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 CITIBANK N.A. 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 CITIBANK N.A. 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. According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from XXXX XXXX XXXX XXXX United States XXXX XXXX. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA. 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 CITIBANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CITIBANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and CITIBANK N.A. 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.

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

CITIBANK, N.A.

AZ

850XX

Consent provided

Web

2022-05-03

Closed with explanation

Yes

2019-05-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) XXXX XXXX XXXX XXXX ( XXXX )

EOS Holdings, Inc.

NY

11520

Consent provided

Web

2019-05-29

Closed with explanation

Yes

2018-08-01

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

Credit reporting

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

Their investigation did not fix an error on your report

This is my Fourth attempt to receive from you the requested original signed agreement of a disputed 8-year old account [ XXXX XXXX ], letter dated XX/XX/2018. It is my understanding that I have a right to see the original signed documents of this accountnot statements, letters from the creditor or any other document that is not the signed agreement between me and the creditor ; only that document can prove fraud or ownership. In addition, I have repeatedly asked for this information to be mailed to my correct address as stated above. I have yet to receive any of what I have asked for, in previous communications I have proven my New York address of nearly 20 years. Based on several credit-pulls across all the bureaus, at least two creditorsit appears XXXX is oneis updating their accounts to mirror present day profiles in an effort to legitimize their claims, the second creditor has already been removed. The type of credit cards that are said to be mine are cards that earn frequent flyer miles and/or cash back. The very first card like those I applied for, received, and owned is my XXXX XXXX card 2-years ago. Any creditor claiming that I owned any such card more than two years ago and is NOT XXXX ; is creating and/or updating accounts to reflect my very recent credit profile. Creditors engaged in this type of behavior convey the fact that they did not meet the legal requirements for verification. As this is my fourth attempt I will be submitting another grievance to the Bureau of Consumer Financial Protection/ FTC-FCRA, to lay the groundwork for later legal actionif necessary. All I want is the original signed agreementthe signature, handwriting, and information entered can easily prove fraud or ownership. My next step will have to be to seek legal representation on this matter. Please attain the requested documents or remove this account and send an updated copy of my credit report and all responses to my request to the above addressthe only accurate address, thank you.

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

Experian Information Solutions Inc.

NY

XXXXX

Servicemember

Consent provided

Web

2018-08-01

Closed with explanation

Yes

2018-10-31

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

I have a XXXX XXXX Visa Credit Card provided by XXXX XXXX, I transfer my balance {$7000.00} to three different credit card debts on XX/XX/XXXX. {$1400.00} transfer to XXXX XXXX by Chase Bank credit card, {$3000.00} transfer to XXXX XXXX, and {$2600.00} transfer to XXXX XXXX credit card by Chase Bank credit card again, and the last transfer have failed, {$2600.00} didn't go to XXXXXXXX XXXX credit card, but XXXX XXXX Visa Credit Card balance it been transfer. I have call four times customer representatives, first one POOr Attitude, second one very nice give me advice to apply a dispute by letter, third one she is very patience and professional, and last one she put on hold and never answer me again.

JPMORGAN CHASE & CO.

PA

195XX

Consent provided

Web

2018-10-31

Closed with explanation

Yes

2020-05-14

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

Overcharged for something you did purchase with the card

I have a bestbuy citi visa that I applied because of zero interest promotion. I made a payment on XXXX XXXX2020 using my banking information and the banking information was stored. I made another payment XX/XX/2020 and got a return of service, because they said that the bank information was not correct even though it is the same banking information stored and used on XX/XX/XXXX. I was charged a late fee and feel like this was done intentionally, because my XX/XX/XXXX payment would not have gone through if the information was incorrect.

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

CITIBANK, N.A.

TX

77705

Consent provided

Web

2020-05-14

Closed with explanation

Yes

2020-02-28

Checking or savings account

Checking account

Closing an account

Can't close your account

I attempted to close my Wells Fargo checking account today. There is a bit over {$1200.00} in the account and the fees every month were {$35.00}. I had previously attempted to close the account online but was told that the address I was using to remit the funds was not acceptable because it was a Post Office Box. I was told I needed to come into a branch to close the account. This is very inconvenient but today I went to a branch in XXXX ( XXXX and XXXX ) to close the account. I was told that they can not close an account on the last day of the month, They gave me the proceeds of the account but did not close it. They said I needed to come back on a business day that was not the last day of the month or the first two days of the month. I asked if I would still accrue fees and was not given a response. So the account remains open despite repeated attempts t close it.

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

WELLS FARGO & COMPANY

NY

119XX

Consent provided

Web

2020-02-28

Closed with explanation

Yes

2022-07-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

EQUIFAX, INC.

GA

30135

Consent provided

Web

2022-07-29

Closed with explanation

Yes

2022-07-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00}.

EQUIFAX, INC.

GA

30134

Consent provided

Web

2022-07-15

Closed with explanation

Yes

2020-12-16

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/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

32304

Consent provided

Web

2020-12-16

Closed with explanation

Yes

2017-09-22

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have tried since XX/XX/XXXX for the bank Wells Fargo to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I have never signed any papers with Wells Fargo and when the mortgage has defaulted several times I have attempted for Wells Fargo to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX County ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent Wells Fargo did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXX XXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for Wells Fargo to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is Wells Fargo since it is the only thing that unfortunately still being attached to me after 15 years divorced. Wells Fargo says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.

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

WELLS FARGO & COMPANY

FL

33460

Consent provided

Web

2017-09-22

Closed with explanation

Yes

2020-06-22

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

As of the date of this letter you XXXX XXXX /Target XXXX has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b )

TD BANK US HOLDING COMPANY

CA

90303

Consent provided

Web

2020-06-22

Closed with explanation

Yes

2023-08-04

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

I opened my Chase Visa card in a predominantly XXXX zip code ( XXXX ) and since then they have charged me 30 % interest. This year alone I have paid {$2400.00} in interest. My XXXX card opened in the XXXX XXXX zip code XXXX charges me 9.99 % interest. I asked Chase to match that and they refused. I have a total of {$10000.00} in auto debt on a 36 month loan with 30 month to go. I have {$21000.00} in revolving debt including the {$8700.00} ( most of which is interest ) owed to Chase. I paid off my mortgage early. My student loans were forgiven through PSFL and I paid off my last car loan early. Yet Chase claims the 30 % interest is justified. I think the reason is exploitation and discrimination because my house was located in a XXXX neighborhood and I would like Chase to be investigated for redlining. Since XXXX XXXX is okay with 9.99 % the only difference is the zip codes where they started.

JPMORGAN CHASE & CO.

CA

93401

Consent provided

Web

2023-08-04

Closed with explanation

Yes

2018-02-08

Checking or savings account

Other banking product or service

Problem with a lender or other company charging your account

Transaction was not authorized

I paid Bank of America {$34.00} in XX/XX/XXXX to put a permanent stop on a payday loan company, ( I made sure to clarify that there was NO WAY after I paid for a stop, that this company could take any funds from my account ), then in XX/XX/XXXX, ( 5 months later ) the bank allowed a charge for {$300.00} from the loan company to pass through my account, overdrawing my account. I called Bank of America immediately, ( while the charge was still processing ), their representative assured me that indeed the stop I had paid for was active AND COULD NOT BE REMOVED without my formal consent. She said the charge would NOT go through, and it would drop off, she made it very clear that Bank of America would not pay the charge that was processing, and that I need not worry. The next day the charge processed all the way through to PAID. I call back, Bank of America transferred me to their claims department where the representative informed me that an error had been made clear back in XXXX. She said the original representative who put the stop on the payday loan company had neglected to place the stop on both the debit card as well as the ACH. At that time I was again assured that I had paid for the stop to be put on the payday loan company, so I had nothing to worry about. She started a claim, and put a credit into my account to replace the money that was taken from me without my authorization. I thought this was a really bad experience, but people do make mistakes, so I was just glad it was resolved. Then in XX/XX/XXXX I received a letter in the mail stating that the credit they issued would be reversed and that I would have to pay {$300.00} that the bank mistakenly paid to the payday loan company. When I called claims back they ask me if I authorized the loan company to debit my account. I said no and I paid to put a stop 5months ago. And, then they wanted to know if I informed the payday loan company. I said yes, I had informed them. The representative said, o.k. I will tell the investigator assigned to the claim. Then a couple of days later the bank charged my account {$300.00}. I guess Bank of America does not take responsibility for its employees errors.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

92691

Consent provided

Web

2018-02-08

Closed with monetary relief

Yes

2021-06-11

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

Credit reporting

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

Problem with personal statement of dispute

A few months ago I Filed a dispute with XXXX and TransUnion pertaining to invalid and inaccurate personal information being furnished onto my consumer report. This information was not authorized by myself being the consumer and the only individual able to confirm the information. All bureaus responded that the information was verified with ( Creditors ) the furnishers of MY personal information. Title 15 U.S Code 1681 a ( e ) states that to verify information there must be an investigation of my consumer report. This requires an interview of neighbors, friends, or associates of the consumer. It does not state the information can be verified with the furnisher of the information.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AR

727XX

Consent provided

Web

2021-06-11

Closed with explanation

Yes

2022-08-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

EQUIFAX, INC.

GA

30144

Consent provided

Web

2022-08-02

Closed with explanation

Yes

2018-07-04

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

Credit reporting

Incorrect information on your report

Personal information incorrect

On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and EXPERIAN and XX/XX/XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XX/XX/XXXX and continue my education. Phone numbers that aren't mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.

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

Experian Information Solutions Inc.

DE

19702

Consent provided

Web

2018-07-04

Closed with non-monetary relief

Yes

2021-09-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions 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.

CT

069XX

Consent provided

Web

2021-09-15

Closed with explanation

Yes

2022-06-22

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

Payment was made on XX/XX/22 in the amount of {$11000.00}. Check was clearly stated in the numerical amount box and on the dollars line on the check. Barclay Master Card US posted payment of {$1200.00}. Which caused an outstanding balance, late fee, interest, etc. Contacted customer service on XX/XX/22 and again on XX/XX/22. They can not connect me to anyone in payments to discuss how to resolve. I have messages them on the web site and called and wasted numerous hours on this to try to figure out how to resolve their error. No one can help me. I need to talk to a grown up at Barclay who can speak the English language and intelligently discuss how to resolve this matter. Barclay reference number XXXX submitted on XX/XX/22.

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

BARCLAYS BANK DELAWARE

PA

15090

Consent provided

Web

2022-06-22

Closed with monetary relief

Yes

2021-03-09

Debt collection

Auto debt

Attempts to collect debt not owed

Debt was result of identity theft

ATTENTION TO CREDIT ACCEPTANCE CORPORATION I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I reached out to this company back in XXXX in regards to remove this from my file as they sent information they received to open this account which was not done by me or belong to me. I am seeking for this account to be removed from my file in the amount of {$7300.00} does not belong to me. This account was fraudulently opened through this company CREDIT ACCEPTANCE CORPORATION in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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

CREDIT ACCEPTANCE CORPORATION

NV

89119

Consent provided

Web

2021-03-09

Closed with explanation

Yes

2020-08-18

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

Kings Credit Services began seizing a part of my wages in or around XXXX to collect on a medical debt. I spoke with a representative of the company ( XXXX XXXX ) after ending my job to setup a payment plan for what she claimed was the remainder of the balance owed. After continuing to make payments for an extended amount of time, I received a balance owed letter in XX/XX/XXXX that resembled the original amount of my debt. Upon calling XXXX, she stated that they had allocated my paid funds to new debts which I was not informed on while the original debt continued to garner interest. When confronted about misapplying funds, XXXX ceased communications. I sent out a letter on XX/XX/XXXX attempting to make a final lump sum payment for the debt. I did not receive any response and followed up via mail correspondence on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX with an amount they would be willing to accept based on the payments I had made to date and the amount owed, however in XXXX 's new statement, my payments made-to-date had been altered to show a significantly lower number than I had actually paid. I addressed these false representations in a response to XXXX and received no response. As of my last letter ( dated XX/XX/XXXX ) I have not heard from XXXX or Kings Credit Services. However, I attempted to dispute the collection on my credit report but they refused to cooperate with the credit reporting agency. All of the letters mentioned in this statement have been included as an attachment.

KINGS CREDIT SERVICES

CA

95603

Consent provided

Web

2020-08-18

Closed with explanation

Yes

2023-07-28

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

Credit reporting

Incorrect information on your report

Account information incorrect

Experian and XXXX is reporting inaccurate information as far as late payments on my consumer file and I have asked them for the method of verification Numerous times, this is becoming exhausting as EXPERIAN and XXXX IS HARMING ME AND HOLDING ME BACK FROM GETTING A HOME FOR MY FAMILY DUE TO INACCURATE LATE PAYMENTS. Ive asked Experian multiple times to look into this and to provide me with the method of verifying the late payments and if it is warranted. In addition Ive asked Experian XXXX XXXX to remove any accounts that can not be corrected or fixed as there is no permissible purpose and there is several violations in addition to this. Experian and XXXX has not provided any consent forms for any accounts or any documentation showing they have permissible purpose. These are the accounts that are harming and very concerning to me as a consumer on MY consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Please advise Experian and XXXX to follow the law by doing a thorough and complete investigation permitted by LAW. And correct each late payment as I was NEVER LATE ON ANY ACCOUNTS. If this can not be done I respectfully demand for such accounts to be DELETED from my consumer report. Thank you

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

Experian Information Solutions Inc.

PA

19607

Consent provided

Web

2023-07-28

Closed with explanation

Yes

2022-06-14

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

Credit reporting

Incorrect information on your report

Account information incorrect

Trans Union is showing my utilization to be 20 % while the other reporting agencies are showing 2 %. They have not updated my account with the proper information that I have settled my debts months ago. This is causing an undue burden for me to purchase a home due to their lack of attentiveness and diligence to be reporting out accurate information.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NM

87124

Servicemember

Consent provided

Web

2022-06-14

Closed with explanation

Yes

2022-09-23

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

Credit reporting

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

Their investigation did not fix an error on your report

My name is XXXX XXXX im writing regarding FNBO credit card that was unauthorized and fraudulant account i tried to dispute this and they erased it from my credit and its still there and i tried to file a complaint with CFPB and response came that i was the one who applied for this card but i was not and there is a transactions on it that wasn't done by me.

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

FIRST NATIONAL BANK OF OMAHA

CA

91311

Consent provided

Web

2022-09-23

Closed with explanation

Yes

2020-12-04

Credit card or prepaid card

General-purpose prepaid card

Problem with a purchase or transfer

Charged for a purchase or transfer you did not make with the card

My name is XXXX XXXX. I write in reference to my American Express serve card. Ive used it for years without incident. My salary is loaded onto the card, XXXX $ after taxes every two weeks. My card was on me in NJ when I received texts about decline fees. I checked my account and XXXX $ had been taken moments earlier at a cash machine in XXXX. My card was skimmed at the XXXX store that has no fees to withdraw. I filed a fraud complaint certain serve would credit my account for the money stolen from me. They denied my claim and claimed no evidence of fraud. I researched the company and found many similar stories. Serve is not investigating the claims fairly. They are allowing my money to be stolen. Please help

AMERICAN EXPRESS COMPANY

NY

100XX

Consent provided

Web

2020-12-04

Closed with explanation

Yes

2019-01-21

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I, like many other consumers, recently was informed my Federal Family Education Loans ( FFEL ) do not qualify for the Public Service Loan Forgiveness program. I have consistently been making monthly payments on my XXXX and XXXX school loans for 11 years, during which time I have worked only for non profit employers. My loan has been serviced by a number of companies, including Nelnet, XXXX ( formerly XXXX ), and XXXX. Throughout the course of paying back my loans, I would call from time to time to inquire about repayment options and to ensure I was utilizing the best option for my income and financial situation. I was told, on more than one occasion, by more than one of the loan servicing companies, that my loan would qualify me for the PSLF program after I made the XXXX consecutive payments. I now know, that is inaccurate information. I could consolidate my outstanding balance to the appropriate loan type, however, the XXXX consecutive payments would start over.

Nelnet, Inc.

MN

55113

Consent provided

Web

2019-02-04

Closed with explanation

Yes

2023-04-21

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

Credit reporting

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

Their investigation did not fix an error on your report

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

EQUIFAX, INC.

NC

28012

Consent provided

Web

2023-04-21

Closed with explanation

Yes

2021-11-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I Recently checked my credit profile and i saw Multiple fraudulent accounts and fraudulent inquiries. Those fraudulent accounts are XXXX {$18000.00} XXXX XXXX {$780.00} XXXX XXXX {$59.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX {$5200.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} The following inquiries are fruaulent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I Have reached out to the furnishers and they each told me to contact Experian, XXXX & XXXX. I have filed a FTC REPORT, AN IDENTITY THEFT REPORT AND A IDENTITY THEFT AFFIDAVIT!

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

Experian Information Solutions Inc.

OH

45503

Consent provided

Web

2021-11-21

Closed with non-monetary relief

Yes

2022-02-17

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

i have XXXX XXXX XXXX new unauthorized inquiries on my report asking for immediate removal

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

Experian Information Solutions Inc.

IN

XXXXX

Consent provided

Web

2022-02-17

Closed with explanation

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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NC

28411

Consent provided

Web

2022-12-07

Closed with explanation

Yes

2023-05-24

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

15001

Consent provided

Web

2023-05-24

Closed with non-monetary relief

Yes

2023-01-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I received a notification that there was a delinquent account added to my credit report that is not mine from CONSUMER ADJ CO- XXXX. I have no record of this account and it is fraudulent. XXXX shows {$760.00}.

Consumer Adjustment Company Incorporated

VA

23454

Servicemember

Consent provided

Web

2023-01-20

Closed with explanation

Yes

2022-01-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

EQUIFAX, INC.

CO

XXXXX

Consent provided

Web

2022-01-19

Closed with explanation

Yes

2023-01-17

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

Credit reporting

Incorrect information on your report

Account status incorrect

On XXXX of XXXX, people gained access to my online account and, claiming to be XXXX, XXXX without my knowledge or approval {$10000.00} from my savings account to checking, and then proceeded to " XXXX '' themselves {$5000.00} over XXXX transactions during each of these XXXX days. on the second day when I realized what was happening I contacted XXXX immediately, closed all of my accounts and online access and set up new ones, and had XXXX start an investigation ( XXXX and XXXX for XX/XX/XXXX and XX/XX/XXXX, respectively ). XXXX proactively gave me back the {$10000.00} during the investigation, and eventually came to the decision that the transactions on XX/XX/XXXX were fraudulent, but the transactions on XX/XX/XXXX were NOT, and that I had to pay them back the {$5000.00}. Of course I immediately disputed this decision and appealed this decision multiple times. Every time I appealed, they sent me a letter confirming my appeal, followed by another letter saying they support the original decision. Meanwhile, at no time did any contact me, the branch I went to when this occurred, or seem to do anything different or gather any more information. Eventually, XXXX then decided to CHARGE ME the {$5000.00} to a Line of Credit account that I didnt even have access to anymore since it was connected to the closed account. Not only did I have no way to pay these accounts online, I never conceded to agree to this charge and had continued to dispute the monies owed. Now, they have charged off the account and sent it to collection for debt that I dont believe I owe, PLUS they have continuously negatively reported on my account as being delinquent when the money owed is in question and dispute. So now it's also screwing up my credit. After being a customer of theirs for well over 20 years, I'm being treated like garbage and they are ruining my credit over an amount that is still suspect as to whether I even owe anything. And of course, at no time have the people who seem to make these decisions about the nature of my " case '' ever had direct contact with me. I have only been able to speak with their overseas support staff in the fraud department - never anyone domestic ; never the same person. I need assistance. I have attached a copy of XXXX their appeal acknowledgements as well as XXXX of their " we're not changing our minds '' letters. There were several of both. Please note they have also sent this account to collections and written it off as a " charge off, '' both of which is inappropriate since the amount is in dispute. Any monies I may have owed prior to XXXX adding the {$5000.00} balance I am quite happy to pay.

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

Experian Information Solutions Inc.

NY

117XX

Consent provided

Web

2023-01-17

Closed with explanation

Yes

2019-06-19

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

Synchrony Bank continues to charge interest to a furniture purchase I made at Ashley Furniture store in XXXX. The have engaged in deceptive business practices and a series of omissions and misrepresentations including : 1. I did not receive written monthly statements 2. I was not contacted in any manner with notification that a promotional rate was expiring 3. The automatic monthly payment schedule was set up incorrectly 4. Synchrony has been unable to provide the actual invoice and rate/terms. In a letter dated XX/XX/XXXX, they state that they " have been unable to locate the specific sales receipt for the date and amount specified. '' 5. Since the discovery of the error, Synchrony has been unable and willing to resolve the error regarding the remaining interest on the account ( {$2800.00} )

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

SYNCHRONY FINANCIAL

CA

92672

Consent provided

Web

2019-06-19

Closed with monetary relief

Yes

2020-10-08

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

Credit reporting

Incorrect information on your report

Personal information incorrect

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX XXXX Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. PERSONAL INFORMATION # Name : XXXX XXXX My Name is not correct. Please update. Other Names : XXXX XXXX XXXX This is not my former name.

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

Experian Information Solutions Inc.

IL

618XX

Consent provided

Web

2020-10-08

Closed with explanation

Yes

2021-10-18

Debt collection

Federal student loan debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

Back in XXXX, my wife and I went back to school while living in XXXX. Applying for financial aid, PHEAA provided services and secured our funding originally. We investigated our records, and this is what we found : Husband : FFELP Stafford Unsubsidized from XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00} FFELP Stafford Subsidized from XXXX XXXX XXXX XXXX XXXX XXXX for {$2600.00} Wife : FFELP Stafford Unsubsidized from XXXX XXXX, XXXX for {$4000.00} FFELP Stafford Subsidized from XXXX XXXX, XXXX for {$1200.00} After school ended and we started preparing for repayment, we had family issues and entered forbearances and deferments. We moved to XXXX to make a better life as I took a XXXX XXXX career. While this happened, our loans were serviced by PHEAA, XXXX XXXX, and XXXX. We made payments on these loans but can not find records from the original loans in our files, nor can we find them by contacting the providers. XXXX explained to XXXX that it would be better for us to consolidate all our loans into one. In XXXX, when asking for help they convinced us to consolidate. XXXX entered us into a spousal consolidation loan. It was explained to us that it would be easier to manage one student loan payment instead of 4. Trusting them, we entered this. Our loan was then sent to XXXX for {$12000.00}. We made numerous payments to XXXX, all the while under the understanding that we were paying off a student loan. In XXXX we had to file bankruptcy after making 10 successful payments. We filed a chapter XXXX, and XXXX transferred the debt to ECMC, who filed a claim in the plan for {$12000.00}. ( after successful payments the balance is HIGHER ). ECMC accepted payments in the plan. When we were discharged, ECMC transferred to debt BACK to XXXX for {$13000.00} which is over {$1400.00} HIGHER than the claim that went into the plan. It is not fair that XXXX transfers debt to another company during the bankruptcy only to take it back afterwards at a HIGHER rate, and having a company accept payments in a plan they submitted a claim for! We began to make payments again. A combination of going back to school, family issues, loss of wifes income from XXXX through XXXX, and an obvious unclear understanding of what we owed had us filing another chapter XXXX in XXXX. Again, a claim was filed in the plan. Again, ECMC took the debt from XXXX. Again, they accepted payments in this plan. Again, it was successfully discharged from the court. AGAIN, ECMC transferred the debt BACK to XXXX after filing a claim and accepting payments in a second chapter XXXX. ONLY THIS time, the balance entered in the plan in XX/XX/XXXX was {$15000.00}, although the balance transferred TO ECMC months before was only {$12000.00}. In XXXX of XXXX, after a second successful discharge, ECMC transferred this debt BACK to XXXX, and the amount was {$17000.00}. So, in summary, to this point, we had separate loans, got convinced into consolidating by XXXX, wife stopped working, I made payments as best as possible, and it went IN and OUT of TWO Chapter XXXX proceedings, but entered as ECMC from XXXX, only to be transferred back. We continued making payments to the best of our ability in XXXX, XXXX, and XXXX. We asked about federal suspension of payments due to COVID, and they tell us we are NOT in a federal student loan, but in a commercially owned spousal consolidation loan. I immediately asked if this is the case, why was the debt not discharged? They refused to answer, only told us we were behind on payments. This is obviously a loophole in the system they are banking on. Applying as a federal student loan to navigate to their advantage, then relying on the status as a commercially owned spousal consolidation loan to also navigate to their advantage. Now, we are getting notices from BOTH ECMC AND XXXX. TWO separate debts from ONE line of credit???? HOW!!!!!!! This has also destroyed our credit that we worked so very hard to rebuild. We climbed out of the bad standing, had scores at or over 700, and are now sunk again. Now, making things worse, my wife is suffering from XXXX XXXX-XXXX XXXX XXXX from a work-related exposure. Not ONLY is her employer refusing to help her, but she has been out of work since XXXX of XXXX. We have lost her income and incurred ALL her medical care debt since her employer will not help. I don't understand how student loans totaling {$8700.00} for the two of us back in XXXX are now totaling OVER {$19000.00}!!!! Over these years we have qualified for forbearances and deferments. These years also have us making numerous payments that we can not find anywhere on our balances. Where have our payments gone? And why does it show we owe so much for me only took out {$6000.00}.

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

ECMC GROUP, INC.

VA

23323

Consent provided

Web

2021-10-18

Closed with explanation

Yes