Datasets:

aciborowska

/

customers-complaints-test

like 0

2017-09-04

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

XXXX would not honor an offer to credit {$50.00} back on purchase of {$250.00} or more at XXXX. The XXXX offer is titled XXXX XXXX XXXX XXXX Spend {$250.00} or more, Get {$50.00} Back. Click once on the offer in the XXXX app and the text above is repeated. It also mentions 'Multiple Locations '. The same page states, ' ... after you pay for your stay with XXXX XXXXXXXX XXXX XXXX from XXXXXX/XX/2017. Book directly with XXXX XXXX XXXX XXXX ... '. Still no mention of it applying to any specific brand only. The XXXX Rep stated it was for XXXX XXXX. No mention that XXXX is excluded as of yet. There is a map on the same page. It highlights XXXX locations in my current proximity. Neither of those highlighted are embassy suites. They are both XXXX branded. Only when I click on the full terms do I see any specific brands listed. It excludes every XXXX brand I can think of, XXXX XXXX too! Excludes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX by XXXX, XXXX - XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX and XXXX XXXX XXXX. List of XXXX brands from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

AMERICAN EXPRESS COMPANY

VA

231XX

Consent provided

Web

2017-09-04

Closed with explanation

Yes

2019-06-21

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I have tried several times to file a dispute online. over several days. It always says currently unable to process your request. When I call in they say the online, dispute center is down. This has happened over and over again. Then they tell me I can send it in writing but need to send my ssn card and photo ID. No I will not send that in the mail. I should be able to file a claim online.

EQUIFAX, INC.

UT

84107

Consent provided

Web

2019-06-21

Closed with explanation

Yes

2018-05-29

Checking or savings account

Checking account

Managing an account

Banking errors

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX RE : Events that transpired between XX/XX/XXXX - XX/XX/XXXX. I, XXXX XXXX XXXX was seeking employment, I had my resume out on several different online employment sites. I was contacted via XXXX for a job position, on XX/XX/XXXX by a man claiming to be a XXXX XXXX XXXX. He stated that he was a Sales Representative for medical supply company here in XXXX XXXX, called XXXX. He was hiring for a XXXX XXXX position. I checked out the information of the gentleman who contacted me and he appeared to be local and worked for a legitimate company in town. He sent me his email and requested that I send him my full resume, I did the evening of the XX/XX/XXXX. He contacted me back the next day, via email stating after completing a background check that I was qualified for the job and offered me the position, listing a job description of my duties. He stated, I would be receiving a weekly pay check of {$400.00} for 3-7 hours a week and would start the XX/XX/XXXX, I accepted the position. He sent me a message stating that he ( XXXX XXXX ) would be issuing me a check to cover my first weeks pay and extra funds to cover, office supplies, printer and software licensing that I would need for the job. The check would be in the amount of {$3400.00}. He contacted me when the check had been issued and sent me the tracking information for the check. Tracking # XXXX and told me to contact him when I received it. Once I had received the check, he then instructed me via text to deposit the check into my personal account and send him conformation once I did and a copy of the deposit slip. After sending him a copy of the slip, he messaged me and asked me to withdraw the funds from my account minus my paycheck, to get the supplies. Once I withdrew the funds, he instructed me then to take the money to a XXXX XXXX XXXX and deposit the funds into an account and sent me a name, account and routing number. The account was for a XXXX XXXX XXXX, Account # XXXX, Routing # XXXX. The bank he instructed me to go to was a XXXX XXXX. We do not have a XXXX XXXX branch in XXXX. I informed him of this, he then instructed me to overnight the money to this XXXX XXXX XXXX via XXXX, this made me very uncomfortable, I was holding a lot of money that wasn't mine, I was a bit confused as I was told it was to purchase supplies. I followed his instructions and overnight the funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX via XXXX. Tracking # XXXX {>= $1,000,000} The Shipping was {$60.00}, I sent him a copy of the receipt and tracking information as requested. He contacted me via text the next day, instructing me to send the reminder {$350.00} to XXXX XXXX XXXX, that she needed more money to get the rest of the office supplies ''. This was a red flag for me, I told him no, that he had told me those funds where for the agreed paycheck, I had already transferred the money to make my rent payment and had already spent {$60.00} for the shipping of the funds. He told me not to worry that he would be sending me another check, and wanted to know what I was afraid of. I told him that it was not that I was afraid, this statement made me very uncomfortable I told him it was not that I was afraid it was simply that I couldnt, I had already transferred the money to help make my rent payment as the money was for the first paycheck as agreed upon. He then told me he would send another check, I asked him why he was sending it to me and not directly to XXXX XXXX. He didnt respond to my inquiries. Later I told him I was not comfortable with this process and asked if we could speak on the phone to discuss, he did not respond to this request. I then proceeded to text him I did not want to be apart of this process and was not comfortable with his request, this was on Friday, XX/XX/XXXX, no Response. XXXX XXXX messaged me on Monday morning letting me know that another check was on its way. I was surprised, and thought it must be the {$350.00} to send to XXXX XXXX, I told him again that I was not comfortable with what he was requesting of me, as this was not part of the job description that we had agreed upon and that I had been hired for. I told him that I didnt not want to be apart of whatever it was he was dong, I felt he was doing something wrong. During that time the next check came and it was another for the {$3400.00}, I was shocked, I told him I didnt want to participate. He told me to hold on while he called me from another phone line. I have recording software on my computer, when he called I put it on speaker phone and hit record. He is a man with a thick XXXX accent, and clearly was not XXXX XXXX from XXXX, XXXX as he claimed. I called him out on this fact and insisted that he was XXXX XXXX XXXX, and that he was from XXXX even though he could not pronounce it correctly. I told him I did not want to be involved. He at this point became very upset and started making threats and stating that I had his money. I told him that I was going to go to the police at this time, he became very threatening stating that he knows where I live, and that I didnt know who I was messing with and that he would come after me and would XXXX XXXX '' - At this point I was extremely shaken and in a bit of shock, not knowing what in the world I had just been involved with. He has all my personal information and physical address. In a state of panic and fear, I deposited the check, made the withdraw and sent the money immediately as requested I was extremely shaken up and very scared at this point, I live alone withy XXXX year old so, and was Terrified that I had somehow put our lives in jeopardy, simply what I had thought to be a part time job. I sent the XXXX XXXX a copy of the shipping receipt with the tracking # XXXX and told him not to contact me again. I did receiver a few more messages and another text from another number claiming again to be XXXX XXXX but I ignored them. I packed a bag, contacted close friends of mine and told them what happened and stayed the night at their house, I was very scared at this point. I do have a full recording of this phone conversation. The next day I went to the police department to file a police report. I also called the XXXX XXXX where the checks had been issued from ; XXXX XXXX Revolving Loan FB Deposit Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and spoke to a XXXX XXXX as his name was in an email I had received from XXXX XXXX in regard to the tracking information on the check. I wanted to let him know what was going on, when he got on the phone he seemed quite irritated that I was calling and dismissive with me, he was not interested in what I had to say. Which lead me to believe that he was somehow was in on this scam. The checks where mailed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tracking # XXXX I was able to make contact with the REAL XXXX XXXX XXXX that does live here in XXXX, XXXX who is a Sales Representative for XXXX. I was able to make contact with him at work, phone # ( XXXX ) XXXX. He informed me that a few weeks prior to this event that his XXXX account had been hacked and has since been locked out permanently from his account. He was unaware that his identity had actually been used for any purposes, and stated that he would also contact the police in regards. His cell number ( XXXX ) XXXX I filed a police report # XXXX, in XXXX, XXXX, XXXX County on XX/XX/XXXX. I went to the local XXXX States Attorney general office, XX/XX/XXXX they informed me that I need to make a report online or mail in a complaint. I have filed the complaint with the Attorney General 's Office. I have filed a report with the local XXXX, XXXX FBI office. I contacted the fraud department of my banking institution, USAA, on XX/XX/XXXX to notify them of the event. USAA is currently holding me liable for the funds and placed a charged on my account which has resulted in a deficit of my personal funds in the amount of - $ XXXX.I also had a little over {$1500.00} in the account of my personal money that is now gone. I have had my monthly bills be returned and am incurring several return fees due to this and now late charges. I am currently locked out of my USAA account and from accessing any of my personal information in regard to my account. I have called to get it unlocked and they are refusing me access. I was told a supervisor from the Fraud Department would be contacting me that as of XX/XX/XXXX has not yet happened. This is a great frustration as I have other accounts with USAA including my savings, auto insurance, rental insurance and 2 credit cards. I have banked with USAA for 23 years, I have a clean banking record, I have never had an issue with USAA until now. I am quite shocked as to this situation is being handled by them, I was scammed and am now being held liable by my bank claiming tone a zero liability company. This event has put me in a state of complete financial ruin, I am now looking at losing my home and credit and etc. on top of the distress of the event and having threats now made upon my life. I have tried calling several times. I am truly at a loss as what to do, and how to get any updates and information in regards to the status. I was informed as of XX/XX/XXXX, by XXXX XXXX of USAA that my funds wouldnt be reinstated to my account that is now in deficit {$6300.00}. I would not be allowed access to my other banking, saving, credit card and insurance information until I bring my balance back up, which is simply not possible at this point. This event has putt me in financial ruin and hardship. Which will leave me now no choice but to file bankruptcy or seek legal action, unless this decision is overturned, the total loss is now {$8700.00}, the {$6900.00} that I was hit from the scam and {$1800.00} of my own personal funds that are now gone. I have a file to upload that has the affidavit of my sworn statement, all the email correspondence and text messages copies of texts and etc. Also have a full audio recording of the phone conversation by the individual who scammed me with and made the personal threat to " Kill Me '' but this document exceeds your upload capacity. I have mailed copies of this to your address via certified mail. Thank you for your attention to this matter, XXXX XXXX XXXX

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

MO

65804

Servicemember

Consent provided

Web

2018-05-29

Closed with explanation

Yes

2021-01-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

EQUIFAX, INC.

FL

33916

Consent provided

Web

2021-01-06

Closed with explanation

Yes

2022-11-16

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

Credit reporting

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

Their investigation did not fix an error on your report

On more than one occasion including XX/XX/XXXX I reached out to XXXX XXXX XXXX and invoked my right to privacy and opted out of them sharing any of my personal information regarding the account with them to any third party, financial institutions, including the credit bureaus. They have failed to comply over and over again. My lawyer has tried to reach their legal offices through certified letter sent out XX/XX/XXXX and through their customer service center XX/XX/XXXX and XX/XX/XXXX to try and reach their legal unit to no avail have not received any responses. I then receive a notice for additional payment that also states they are not held to Fair Debt Collection Practices Act but theyre a financial institution. They are a scam of a company and the CFPB needs to take them down. The Credit bureaus also need to be penalized because its no way they completed a proper investigation when their legal team can not be reached and customer service just gives the runaround. I am tired of being taken advantage of.

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

Experian Information Solutions Inc.

PA

19143

Consent provided

Web

2022-11-16

Closed with explanation

Yes

2022-08-22

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

Credit reporting

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

Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Open Late Dates XX/XX/XXXX, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXX-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ 0-Late/Closed Late Dates XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11204

Consent provided

Web

2022-08-22

Closed with non-monetary relief

Yes

2020-09-17

Checking or savings account

Checking account

Closing an account

Company closed your account

On XX/XX/2020 at XXXX XXXX ET I received a text alert from Bank of America stating that my checking account ending in XXXX has dropped to a negative balance of $ XXXX. I then received a phone call from a numbering posing to be Bank of America 's fraud protection department at XXXX XXXX ET. I was asked to identify myself using a verbal code that I have previously asked Bank of America too removed because I was unaware of a verbal code. I was then asked to indentify myself using either my bank account number and/or my debit card information. I stated that I did not know my account number by XXXX but I could accuartely ID myself some other way. The fraud department rep insisted that if I could not recite the account number there was no way for her to locate my account. I then ended the phone call after becoming extremely suspicious. I then called the bank the next morning after being on hold for an hour for the fraud department, someone finally resumed the call and then the call ended. I played phone tag for about 4 days until finally reaching someone. When I was able to speak to someone regarding the activity on my account I was notified that the bank went ahead and closed the account. I asked what would be the next steps for me retrieving any available funds on my account they stated that any remaining funds would have to be paid back to the bank although I was unaware of what has taken place. Prior to that I have filed two claims about money being transferred from XXXX account via a third party money transfers app one for the amount of {$4500.00} on XX/XX/2020 and on XX/XX/2020 for the amount go {$2500.00} that I did not authorize. I reached out to both parties and nothing was resolved. I also initiated a claim for both amounts. Both of my claims were denied without the proper investigation

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MA

022XX

Consent provided

Web

2020-09-23

Closed with explanation

Yes

2022-01-01

Credit card or prepaid card

Store credit card

Getting a credit card

Card opened as result of identity theft or fraud

An XXXX store card was fraudulently opened in my name. I have attempted to address this with synchrony bank but I am still receiving bills for the card and collection attempts.

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

SYNCHRONY FINANCIAL

NY

11746

Consent provided

Web

2022-01-01

Closed with non-monetary relief

Yes

2023-03-15

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

XXXX receivable management along with XXXX is trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX XXXX phone because it was an inside job with a dishonest XXXX worker XXXX receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX which I did not. XXXX receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by XXXX receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.

Source Receivables Management LLC

PA

19132

Consent provided

Web

2023-04-04

Closed with explanation

Yes

2022-12-19

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

Credit reporting

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

Investigation took more than 30 days

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$220.00} or XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$220.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

902XX

Consent provided

Web

2022-12-19

Closed with non-monetary relief

Yes

2021-06-21

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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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

I.C. System, Inc.

CA

90278

Consent provided

Web

2021-06-30

Closed with explanation

Yes

2019-04-02

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have numerous reports concerning the same issue and all go UNRESOLVED because you, my protection agency close the report immediately upon receipt of a response from the identified credit bureau. I am being denied credit or LOAN and charged usurious rates AND PAYMENT REQUIREMENTS TO PURCHASE based on incorrect and outdated information and the credit score is at minimum of 40 points lower from third parties using their system and you send me an email this seems to be similar- really! When will you assist. Right now within seconds i have negatives on my report shopping for a car which here in Florida I am allowed to do at one dealer! Does it matter if you have proof OFF SHORE personnel have access to America personal credit information?

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

Experian Information Solutions Inc.

FL

346XX

Older American, Servicemember

Consent provided

Web

2019-04-02

Closed with explanation

Yes

2018-01-22

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

EQUIFAX, INC.

AL

350XX

Consent provided

Web

2018-01-22

Closed with explanation

Yes

2022-03-05

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

Credit reporting

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

Investigation took more than 30 days

Inaccurate and unauthorized use of credit report

EQUIFAX, INC.

GA

30286

Consent provided

Web

2022-03-05

Closed with explanation

Yes

2021-09-01

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

XXXX, equifax and XXXX has a collection on my reports. thats not mine and they refuse to remove or delete. XXXX XXXX XXXX this account is not mine. i was not notified of this account. i was not asked to validate if this account was in fact mine. there is no signed contract between me and XXXX XXXX XXXX. with my wet ink signature stating i was/in agreement to pay this collection. this collection is not mine. must belong to someone else with the same name. i couldve been involved in some sort of data breach or cyber hack.

EQUIFAX, INC.

FL

335XX

Consent provided

Web

2021-09-01

Closed with explanation

Yes

2020-07-06

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

On XXXX the XXXX, 2019 I contacted this company to see what was the debt, and how much the amount actually was. Since I never received correspondence about this debt, the debt just popped up on my credit report with two separate accounts with two different amounts. At the time of the conversation I asked the rep if I paid would they delete this account from my credit report and they said they would, after payment was processed they did not follow-up on their agreement with deleting this account. As well they are still reporting this account as 120 days late w/over 10 late payments. They are not the original creditor, and bought the accounts from XXXX XXXX, XXXX. With amounts of {$110.00}, and {$240.00}. These accounts were paid by me in full amount to XXXX XXXX XXXX XXXX, XXXX My other process after trying to rectify this with the creditor, they still didn't comply and I put in a XXXX complaint. During that complaint the creditor tried to again deny any agreement made with them at the original time of payment.

Dyck-O'Neal, Inc.

MO

63385

Servicemember

Consent provided

Web

2020-07-06

Closed with explanation

Yes

2023-04-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

317XX

Consent provided

Web

2023-04-12

Closed with non-monetary relief

Yes

2022-03-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

EQUIFAX, INC.

TN

38128

Consent provided

Web

2022-03-17

Closed with explanation

Yes

2023-07-14

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 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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

Experian Information Solutions Inc.

FL

32807

Consent provided

Web

2023-07-14

Closed with non-monetary relief

Yes

2017-12-14

Checking or savings account

Other banking product or service

Problem with a lender or other company charging your account

Transaction was not authorized

Law firm illegally removed funds and placed hold on remaining funds in 3 of my Bank of America accounts. Two accounts were IRA and XXXX rollover accounts and the third was my personal checking account. This will, also, affect my taxes due to the IRS for XXXX. There was one non-refundable processing fee. I am involved in guardianship case # XXXX in XXXX County, XXXX, Texas in XXXX XXXX XXXX 's probate court # 2. He did not authorize this action to be taken by the attorneys so I assume bank was given fraudulent documents by attorneys of the XXXX XXXX, XXXX XXXX XXXX, specifically being XXXX XXXX XXXX and XXXX XXXX XXXX who represent my brother XXXX XXXX XXXX who opposes me in guardianship case of my mother XXXX XXXX XXXX which he filed application for XXXX/XXXX/XXXX. I filed for guardianship in XXXX XXXX and this law firm has since that time waged an unethical, illegal campaign of retaliation and ongoing witch-hunt against me for their stated purpose of wearing me down by taking funds I need to hire legal representation for myself and cause me to fear lack of funds to even pay for my and my family 's basic needs such as food, clothing, bills, etc.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

XXXXX

Older American

Consent provided

Web

2017-12-14

Closed with non-monetary relief

Yes

2021-06-07

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

FL

32208

Consent provided

Web

2021-06-07

Closed with explanation

Yes

2017-01-26

Student loan

Federal student loan servicing

Can't repay my loan

Can't decrease my monthly payments

My student loans are serviced by Navient. Over the last two decades, XXXX XXXX and Navient have failed to properly credit my account, have failed to place my loans in deferment and/or forbearance status. I am currently supposed to be in an interest only plan, which was explained to me that I would pay interest only until the age of XXXX ( I am currently XXXX ) and then the balance would be forgiven. ( I would pay tax on the forgiven amount ). My student loans exceed {$150000.00} because of the interest that has been improperly capitalized over the years, because payments have not been properly applied, etc. Now, they are telling me I am not in the interest only plan and that I am in another plan, paying nearly {$900.00} per month. This is not what I agreed to. I should be paying {$600.00} per month, as I had for over 5 years. Now they are saying I owe all kinds of back payments, etc. I have repeatedly disputed their claims. I have been unable to get a mortgage because of the false claims from the student loans company. I have XXXX kids to support.

Navient Solutions, LLC.

PA

17011

Consent provided

Web

2017-01-26

Closed with explanation

Yes

No

2021-07-07

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.

EQUIFAX, INC.

NY

10458

Consent provided

Web

2021-07-07

Closed with explanation

Yes

2023-03-26

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : 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 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.

PA

19134

Consent provided

Web

2023-03-26

Closed with non-monetary relief

Yes

2019-08-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are two collections account in my credit that I do not recognize, I have no knowledge of these account .Factual information is attach for you to review, please remove these account.

LEXISNEXIS

GA

30045

Servicemember

Consent provided

Web

2019-08-31

Closed with explanation

Yes

2021-10-28

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

Reported errors for over 2yrs, using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes ( over 10 ) to fix this and nothing happened, i asked for the accounts to be deleted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything from dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed

EQUIFAX, INC.

GA

30087

Servicemember

Consent provided

Web

2021-10-28

Closed with explanation

Yes

2022-12-07

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

Credit reporting

Incorrect information on your report

Account information incorrect

The status of these accounts reporting is an inaccurate account, from dates when the account was open, reported dates, dates of last active, date of last payment, and reporting charged off which is a violation of 15 U.S. Code 1681e ( b ). If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. Also, 1099-C must be mailed to consumers. I did not receive anything which is a violation. As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as gross income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report income to my consumer report. Companies that mark accounts as charged off take advantage of 1099c forms and deem it a profit loss, meaning they collect from the IRS. It is illegal to collect from the IRS and still attempt to collect from the consumer/individual. The reported balance of these accounts is inaccurate, and the agency is to comply by blocking and deleting these accounts from my reports as they do not, and never have had my written consent to report these listings ( Violation of 15 USC 1681b ).

DISCOVER BANK

IL

60629

Servicemember

Consent provided

Web

2022-12-07

Closed with explanation

Yes

2023-07-01

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

Credit reporting

Incorrect information on your report

Personal information incorrect

To Whom It May Concern : I am writing to inform you of an inaccuracy in my credit reports regarding my name. I have noticed that the name XXXX, XXXX, XXXX, is being used instead of my correct legal name, XXXX XXXX. Please make the necessary changes to my records to reflect my legal name. I will send you a copy of my legal name document as soon as it becomes available. Once you receive it, please update my records and confirm the change in writing. Thank you for your attention to this matter. Sincerely, XXXX XXXX

EQUIFAX, INC.

PA

19140

Consent provided

Web

2023-07-01

Closed with explanation

Yes

2018-10-10

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

XX/XX/2017 XXXX XXXX info Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company. XX/XX/2017 XXXX XXXX Hard inquiry on all three credit reports never authorized to run my credit and have never heard of that company.

Company believes it acted appropriately as authorized by contract or law

ADIR INTERNATIONAL LLC

NV

89107

Consent provided

Web

2018-10-12

Closed with explanation

No

2021-03-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

EQUIFAX, INC.

NJ

078XX

Consent provided

Web

2021-03-01

Closed with explanation

Yes

2023-05-04

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I explained this debt is reappearing after on or about XX/XX/2022 I provided a police report and confirmed my address during the time the account was active. The representative told me I was mentally unwell ( XXXX ) and I'll pay this bill after they report it to the credit agencies. These charges were a result of identity theft.

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

LJ Ross Associates

NJ

08854

Consent provided

Web

2023-06-13

Closed with explanation

Yes

2018-04-18

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

Credit reporting

Incorrect information on your report

Account status incorrect

Here is my complaint, after much research and develop, I dispute the collected data. The marks are prejudicial ; derogatory, non-credit worthy, in-correct & dispute citations reported by XXXX, XXXX, and XXXX. Do these agents take any responsibility according to ( F.C.R.A. ) Fair Credit Reporting Act 1970 against { XXXX/CARE CREDIT }? So I submit to you for examination, that this data also made by XXXX, XXXX, and XXXX violator of the ( C.C.P.A. ) Consumer Credit Protection Act 1968 because its a consumer. XXXX XXXX XXXX said, An unfair law is no law at all its that unfairness which certain aspects are reported while others omitted, its unnecessary complex. I consider fair is removal of all negative citations which prejudges another. Since this type of reporting to perspectives like businesses, creditors employers alike ( places rose colored glasses on their eyes ). Hence it must be fair since both are looking for honest brokers. Fair is stated, PAID/CLOSED and REMOVE ALL HARD /SOFT INQUIRIES reflected.

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

SYNCHRONY FINANCIAL

TX

78253

Servicemember

Consent provided

Web

2018-04-18

Closed with explanation

Yes

2016-02-02

Debt collection

I do not know

Disclosure verification of debt

Not given enough info to verify debt

I have mailed this collection company requesting debt validation. But have only received a letter of " an attempt to collect '' with my name and a total of how much I owe. with no other information or proof from an original creditor/company, showing that i owe this amount of money.

Company believes it acted appropriately as authorized by contract or law

Century Credit & Collections, LLC

CA

93010

Consent provided

Web

2016-02-02

Closed with explanation

Yes

Yes

2023-08-31

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Experian Information Solutions Inc.

NY

11219

Consent provided

Web

2023-08-31

In progress

Yes

2023-04-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

EQUIFAX, INC.

CA

91202

Consent provided

Web

2023-04-18

Closed with explanation

Yes

2023-05-12

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to inform you of my intention to file a complaint with the Federal Trade Commission ( FTC ) due to your failure to comply with federal law regarding my dispute letter dated [ date ] and follow-up letter dated [ date ]. As evidenced by the attached copies of letters and mailing receipts, you have received and accepted my dispute letters via registered mail, yet you have not fulfilled your legal obligations within the required 30 days. Your non-compliance with federal law is unacceptable, and I will hold you accountable. The Federal Trade Commission investigates failure to comply with federal regulations by credit reporting agencies, as stated in 15 USC 41, et seq. I have carefully documented all communication regarding this matter and will file a complaint with the FTC should you continue to disregard federal law. Please note that you may be held liable for willful noncompliance, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX XXXX ). I have advised you on two separate occasions, more than 75 days and 40 days ago, that the following information is erroneously included on my credit report : The inquiry was not authorized : XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry and request immediate removal from my credit report. The inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry and request immediate removal from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. Furthermore, please provide the name, address, and telephone number of each credit grantor or other subscriber. The description of the procedure used to determine the accuracy and completeness of the information is also requested and should be provided within 15 days of the completion of your re-investigation. If you continue to operate with complete disregard for the law, I will seek redress in civil action for recovery of damages, costs, and attorney fees. Sincerely, 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

94580

Consent provided

Web

2023-05-12

Closed with non-monetary relief

Yes

2021-11-24

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

Dear Sir or Madam, XXXX. XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( XXXX ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( XXXX ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the XXXX, XXXX and XXXX. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the XXXX, you are required to conduct an investigation on this account if I request it. I DEMAND to see all XXXX XXXX verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( XXXX XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( XXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide XXXX XXXX Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( XXXX ) and ( XXXX ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the XXXX XXXX XXXX XXXX. I therefore am submitting my written request to you to conduct an investigation. Per the XXXX, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the XXXX, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX # : XXXX Date of Birth : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX

EQUIFAX, INC.

TX

75165

Consent provided

Web

2021-11-24

Closed with explanation

Yes

2021-06-14

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

Sca Collections Inc - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA.

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

SCA Collections, Inc.

CA

92101

Consent provided

Web

2021-06-14

Closed with explanation

Yes

2023-08-19

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted a letter to the Equifax Credit Bureau last XXXX XXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

CA

95207

Consent provided

Web

2023-08-19

Closed with non-monetary relief

Yes

2023-07-24

Credit reporting, credit repair services, 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 XXXX XXXX XXXX

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

Experian Information Solutions Inc.

NE

68104

Consent provided

Web

2023-07-24

Closed with explanation

Yes

2022-07-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

NC

28208

Consent provided

Web

2022-07-06

Closed with explanation

Yes

2020-02-10

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

For the past few months I've been writing and requesting documentation from Penn Credit to no avail, please help me! I have no idea what they are collecting for and their agents keep calling me at work and my cell! I've asked them several times both over the phone and in writing to please mail me information, which they refuse to do!

Company believes it acted appropriately as authorized by contract or law

Penn Credit Corporation

PA

175XX

Consent provided

Web

2020-02-10

Closed with explanation

Yes

2022-12-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : The credit information currently on my credit report contains an entry showing a closed account XXXX XXXX XXXX XXXX XXXX XXXX acknowledge that I was unable to fulfill the terms of the account agreement by failing to properly adhere to the monthly payments. In late XX/XX/XXXX, I was involved in a serious financial hardship that resulted in reduction of work hours my inability to make payments for several months. During the period of my recovery, I struggled to maintain my financial obligations and had missed payments. I have since been carefully budgeting and satisfying all of my monetary responsibilities and payments to improve my credit score. It would assist me tremendously if you could make a goodwill adjustment that delete these negative account entrys from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. Thank you for your consideration. Sincerely, XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

631XX

Consent provided

Web

2022-12-19

Closed with non-monetary relief

Yes

2020-04-17

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have tried every 60 days sending letters to credit bureaus to update information correctly because its reporting wrong on the bureaus. Last time I spoke with XXXX XXXX was XX/XX/XXXX. This acct has not been updated and last update was on XX/XX/XXXX showing a balance of XXXX which is incorrect payment have been made each month.

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

Experian Information Solutions Inc.

AZ

85044

Consent provided

Web

2020-04-17

Closed with explanation

Yes

2020-02-11

Credit card or prepaid card

Store credit card

Fees or interest

Problem with fees

Synchrony Bank charged " transaction fees '' and interest fees for a purchase that was made 3 months ago at XXXX XXXX XXXX XXXX, the store for which this bank services their credit card accounts. Made the purchase on by phone with the clear understanding that if the balance is pad off in 6 month, the there would be no interest fees whatsoever. The bank just told me that the info interest purchase I made was for only 30 days.

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

SYNCHRONY FINANCIAL

NY

10023

Older American

Consent provided

Web

2020-02-11

Closed with explanation

Yes

2019-05-17

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30120

Consent provided

Web

2019-05-17

Closed with explanation

Yes

2021-03-05

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have a closed c/o with finger hut listed on my experian credit report. I have disputed the account well over 5 times in the year with dispute, i've listed multiple issues with the account and inaccurate information listed on my report. After filing a complaint against XXXX XXXX with cfpb on XX/XX/XXXX, the issuing bank web bank sent me a letter dated XX/XX/XXXX claiming the account correct and valid. using the letter XXXX XXXX sent and information listed in said letter, I disputed the finger hut account with experian again on XX/XX/XXXX and disputed almost all information listed for the account on my experian credit report. using the account information that web bank provided the following errors are listed on the account for XXXX XXXX that experian updated on XX/XX/XXXX as verified from XXXX XXXX CR= Experian credit report. LTR= XXXX XXXX letter acct open date. CR-12/28/2014 LTR- XX/XX/XXXX Payments CR-XXXX, XX/XX/XXXX, XX/XX/XXXX LTR- No payments ever. Late payment dates CR- 30 day XX/XX/XXXX, 60 day XX/XX/XXXX, 90 day XX/XX/XXXX LTR- XXXX XXXX claims no payments ever, lists account as opened XX/XX/XXXX more than 90 days before first listed missed payment. Charge off CR- c/o list in XXXX LTR- XXXX XXXX lists c/o XX/XX/XXXX then lists account sold to XXXX on XX/XX/XXXX and then reports c/o after account is sold in XX/XX/XXXX. XXXX XXXX in their own letter lists an application for installment loan account as approved on XX/XX/XXXX, but not opened until XX/XX/XXXX. the account for XXXX XXXX is still currently listed on all 3 of my credit reporting agencies, almost no information is listed correctly on any of the 3 and all 3 have various missing information. experian lists on the account last update from XXXX XXXX as XX/XX/XXXX, dispute sending me numerous alerts about the account information being updated from XXXX XXXX. The letter that XXXX XXXX sent to me about the account, in their own words claim as accurate reported information directly contradicts what experian claims as accurate infomation listed on my experian credit report. at this point the online experian dispute center give not updates for my disputes since XX/XX/XXXX and all email dispute updates I'm sent open into an error message. leaving me being told my disputes are updated and that information for the account has been updated. viewing my current experian report on experian 's web site along with a purchased report from XXXX on XX/XX/XXXX. no corrected information found account information listed same as the beginning of XX/XX/XXXX. all information appearing to be listed in error when compared to XXXX XXXX letter listing their accurate information about the account still listed on experian report unchanged as of- XXXX ; XX/XX/XXXX

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

Experian Information Solutions Inc.

PA

168XX

Consent provided

Web

2021-03-05

Closed with explanation

Yes

2020-06-13

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

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11580

Consent provided

Web

2020-06-13

Closed with non-monetary relief

Yes

2021-03-01

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

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

Loan Paid Off XX/XX/XXXX Will not send title.

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

Bridgecrest Acceptance Corporation

CO

810XX

Consent provided

Web

2021-03-01

Closed with explanation

Yes

2022-07-13

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 in XXXX : XXXX XXXXXXXX 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 Account Number XXXX EQUIFAX : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX 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

EQUIFAX, INC.

UT

841XX

Consent provided

Web

2022-07-13

Closed with explanation

Yes

2018-01-24

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

On XXXX XXXX, XXXX at XXXX XXXX, I received A phone call on my cellular phone from a local number that said XXXX, it was area code XXXX. When I answered the phone, a debt collector from a company called dynamic recovery solutions was on the line. They said their phone number was actually XXXX or XXXX. The person was named XXXX XXXX. She said her companys headquarters is in XXXX, South Carolina. This company engaged in Call Spoofing which is ILLEGAL by federal law. Please review the attached picture for reference to federal law. I am requesting that dynamic recovery solutions ceased and desist all communications with me, and that they are FINED to the fullest extent of the law. Thank you and have a great day. XXXX bless.

Company believes it acted appropriately as authorized by contract or law

Dynamic Recovery Solutions, LLC

CA

93619

Consent provided

Web

2018-01-24

Closed with non-monetary relief

Yes

2021-05-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX. {$3400.00} Balance updated XX/XX/2021 Please help. They are not trying to help me. Its not my credit card

EQUIFAX, INC.

NY

11203

Consent provided

Web

2021-05-07

Closed with explanation

Yes

2023-01-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX and XXXX 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as Late for any purpose. Both XXXX XXXX XXXX and XXXX are Violating my rights.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48021

Consent provided

Web

2023-01-28

Closed with non-monetary relief

Yes

2018-12-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

CA

923XX

Consent provided

Web

2018-12-20

Closed with explanation

Yes

2023-03-06

Checking or savings account

Other banking product or service

Managing an account

Funds not handled or disbursed as instructed

I created a new account with Cash App after losing access to many accounts that I have previously had with Cash App. I have been a documented victim of identity theft for the past year. After creating a new account with Cash app, in documented written requests with there customer service department, I asked them to transfer any remaining funds from my previous accounts to my new account, which at first they agreed to do so. They then refused to do so stating that it was there policy and that they would be keeping the funds and that there was nothing that they could do about it. I informed them that there was an active identity theft investigation regarding my accounts, which has been reported to the IC3, FBI and Secret Service. Screenshots of communication with Cash App available apon request.

Block, Inc.

OR

971XX

Consent provided

Web

2023-03-06

Closed with explanation

Yes

2020-03-10

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

I received a debt collection notice for {$200.00} from a company called Online Collections. Website is payments.onlinecollections.com and phone XXXX, address XXXX NC XXXX. XXXX XXXX, zip XXXX. Originating debt supposedly from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, phone XXXX. Address XXXX. XXXX XXXX XXXX XXXX CA XXXX. I called XXXX XXXX phone line and they say I owe XXXX dollars. I never received any other bills than the one I paid for {$1800.00}. In fact, I overpaid and I am due funds. I believe this debt is fraudulent. They are also trying to collect info they dont have ( phone number ).

ONLINE Information Services, Inc.

AZ

85710

Consent provided

Web

2020-03-10

Closed with explanation

Yes

2023-07-25

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

NC

28112

Consent provided

Web

2023-07-25

Closed with explanation

Yes

2016-02-22

Student loan

Non-federal student loan

Dealing with my lender or servicer

Trouble with how payments are handled

I had a financial aid hold on my account for an unpaid balance. XXXX University, XXXX XXXX XXXX, XXXX, PA XXXX, sent my account to collect agency, Conserve. I paid my remaining balance directly to XXXX in the amount of {$2700.00}, which left a collection fee left to be paid to Conserve of {$800.00}. I contacted Conserve to come to a settlement agreement. They told me they would have to reach out the school before accepting the terms of the agreement. It has now been 3 weeks and I have not heard anything back. I tried contacting them and they still say they are waiting to her back from the school.

Continental Services Group, Inc. d/b/a ConServe

CT

06514

Consent provided

Web

2016-02-22

Closed with explanation

Yes

No

2019-09-03

Student loan

Private student loan

Dealing with your lender or servicer

Don't agree with the fees charged

I enrolled in XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX. I started the class and after one week I withdrew from the program after badly failing their mandatory tests. Their boot camp is setup so that students can not complete the material in the time frame requested and most students fail or drop out with nothing to show for their effort. I notified the XXXX XXXX XXXX XXXX, my academic adviser, and the student loan company/Climb Credit that I was withdrawing and to cancel my loan. Climb credit emailed me back and told be that my loan was funding the next day and that I would have to get a refund from the school. I called my academic adviser/XXXX XXXX XXXX who told me to call XXXX XXXX who enrolled me with XXXX XXXX XXXX XXXXXXXX XXXX and he thought I had a withdrawal window to get out of the class. Every time I spoke with XXXX he did not give me any options except to continue their program and continually lied telling me he would speak with his superiors as it was not his decision and that he would call me back. XXXX never called me back or gave me any options to withdraw or make a partial payment. I called XXXX a week later after our last conversation and he kept giving me the same story and told me someone would call me. This has not happened. Since then I enrolled in a local XXXX XXXX/XXXX and spoke with several IT professionals who confirmed my fears=that the 20 hour time frame XXXX XXXX XXXX XXXX/XXXX XXXX gives their students to pass XXXX XXXX certification was impossible unless I already knew the material. The community college and other schools in my area give their students 280-300 hours to be able to learn and pass the XXXX XXXX certification. I knew I was in real trouble after my own academic adviser/XXXX told me not to be surprised that at the end of the course if not many of the enrolled students would not be around and most would drop out. The other issue is that they are not offering me any type of refund or partial payment options and are trying to stick me with the whole loan for {$7000.00}. XXXX/XXXX XXXX XXXX XXXX where I am now enrolled for the XXXX XXXX told me that if I do not complete 20 % of their program they would issue me a complete tuition refund. XXXX XXXX XXXX XXXX XXXX in XXXX XXXX told me they could only charge me for the portion of the program I completed if I withdrew early for any reason. XXXX XXXX XXXX XXXX/XXXX XXXX is setting their students up to fail and roping them into {$7000.00} loans with Climb Credit with no option to withdraw or pay for the portion of the class that they did complete. Climb Credit is just as bad and refuses any options or relief from their " Student/Personal Loans. '' This is unreasonable and predatory lending practices at best if it is not straight up illegal. XXXX XXXX ( XXXX ) XXXX

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

Climb Credit Inc.

UT

84115

Consent provided

Web

2019-09-03

Closed with monetary relief

Yes

2023-05-16

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX

EQUIFAX, INC.

AZ

85041

Consent provided

Web

2023-05-16

Closed with explanation

Yes

2019-05-08

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

Credit reporting

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

Difficulty submitting a dispute or getting information about a dispute over the phone

I have received emails from Equifax claiming my dispute has been looked into and resolved. I have called and emailed multiple times to get this information and attempted to review online but their online system is down. I have called a total of 5 times and each time I am told the information I am providing is incorrect. I then emailed Equifax in regards to my frustration of their representatives and was told to call consumer affairs and they would help me. I've called and emailed the agent ID numbers to equifax with no resolution of my disputes or request of my credit report. In my email I also requested a copy of my credire report because I do not trust the information is being reported accurately.

EQUIFAX, INC.

WA

98375

Consent provided

Web

2019-05-08

Closed with explanation

Yes

2018-08-06

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

I opened my Amex business platinum and personal platinum card end of XXXX. All was going well, I received my XXXX sign up points, as I hit the correct threshold and earned them. Amex on XX/XX/XXXX sent me an email saying they are taking away XXXX points. I called and they said bed. I downgraded within 6 months I lose them. AN Absolutely MADE UP TERM. Was not written anything close to that in my terms!!!! They changed terms for new card Applicants in early XX/XX/2018 but that is 45 days after my terms were already in place!!!! They are no help on the phone Apologizing for the mistake and saying there is nothing they could do ... ... They stole my XXXX sign up bonus points between both accounts!!!!!

AMERICAN EXPRESS COMPANY

NJ

08701

Consent provided

Web

2018-08-06

Closed with explanation

Yes

2018-09-01

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

Credit reporting

Incorrect information on your report

Account information incorrect

I went to CapitalOne 's web site to pay my credit card bill for the month before it was due. After logging on, I received an error that said 'We 're sorry, we hit a snag Looks like something went wrong, but we're working on it. Give it another try it a bit '. I went back later on to complete my payment. now im seeing on my report multiple payments missing. with paperless statements issues with the website i cant see how this companys can continue to make mistakes with no reproductions. ive even been asking for an combination of my accounts to have a single credit line, with there being no real explanation as to when it will happen or why im having issues in the first place. im asking again for the removal of all missing payments on my account along with a merger of accounts.

CAPITAL ONE FINANCIAL CORPORATION

TX

XXXXX

Consent provided

Web

2018-09-01

Closed with explanation

Yes

2021-11-09

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. The inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

EQUIFAX, INC.

GA

30342

Consent provided

Web

2021-11-09

Closed with explanation

Yes

2017-10-24

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

Illegal inquiries has been reported on all three reporting agencies. I disputed this with XXXX, Experian and XXXX and requested removal and none has provided validation of request for credit and i contatced each inquiry and none has validated request for credit. I asked for all XXXX credit agencies to remove inquiries until validation of request is complete and none have done so after more than 60 days ago.

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

Experian Information Solutions Inc.

GA

30038

Consent provided

Web

2017-10-24

Closed with explanation

Yes

2018-06-23

Checking or savings account

Checking account

Managing an account

Fee problem

I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. When I complained about it they refunded the money but then the next month they did the same thing. XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.

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

SUNTRUST BANKS, INC.

GA

XXXXX

Consent provided

Web

2018-06-23

Closed with monetary relief

Yes

2022-06-09

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

Credit reporting

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

Investigation took more than 30 days

I have spent too much time disputing erroneous information on my credit and the bureaus have not had the responsibility to respond to me.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PR

00738

Consent provided

Web

2022-06-09

Closed with non-monetary relief

Yes

2022-09-25

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

Credit reporting

Incorrect information on your report

Account status incorrect

please investigate the following accounts properly, multiple errors and discrepancies from previous reports. multiple occasions when the accounts information were incorrect and had to be updated. accounts with multiple incorrect payment history In accordance with the fair credit reporting act XXXX accounts of XXXX XXXX XXXX XXXXXXXX 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 Congressional findings and statement regarding respect for the consumer 's right to privacy. [ 15 U.S.C. 1681 ] section 604 A section 2 : Any consumer reporting agency can't furnish a consumer report without the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX violated the law US CODE TITLE 15 U.S. Code 1681i, account had discrepancies and incorrect information for the following accounts : XXXX XXXX : account number ending with XXXX. Account had incorrect following information that were updated with last investigation : scheduled payment, terms duration, activity designator, and account history. Changed the late payment date from XXXX to XXXX

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

Experian Information Solutions Inc.

NY

10306

Consent provided

Web

2022-09-25

Closed with explanation

Yes

2023-04-26

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

There is a inquiry that I do not know about on XX/XX/2023 I never applied for

ENOVA INTERNATIONAL, INC.

OH

45215

Consent provided

Web

2023-04-26

Closed with explanation

Yes

2022-04-09

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

I sent Merchants Adjustment Service a debt validation letter XX/XX/2022 I have proof of a return recite. So I waited until XX/XX/XXXX to call them and ask them where are the validation of this debt I need proof they avoid sending me it. Then I call back and spoke to a male representative and ask them again about this debt validation letter and he said that they sent it out on the XXXX but I never received this. So he advised that he will send it to my email I gave him my email address and he said it will be sent out before the day end I waited and never received the validation and I also check my spam box to make sure it didnt went to spam. Its a violation of the collection practices act for a debt collector to refuse to send me a validation notice or fail to respond to my validation letter. The law is very clear as to the Civil liability and the remedy available to me for negligent XXXX XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. From the date I sent the debt validation letter which is XX/XX/2022 I gave XXXX 30 days to send me validation documentation thats this account is mines if I dont receive anything as In proof of what I listed in the debt validation letter from Merchants Adjustment Service by XXXX XXXX please remove this account from my credit report immediately and dont say you sent it out because I didnt receive it if you sent this out please provide a certified recited with the date that the male representative told me it was sent out which is the XXXX please show me proof of you cant show me proof Im asking that you delete this account from my credit report Thank You

MERCHANTS ADJUSTMENT SERVICE, INC.

AL

36116

Consent provided

Web

2022-04-09

Closed with explanation

Yes

2022-08-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX Balance : {$8100.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

EQUIFAX, INC.

TX

75044

Consent provided

Web

2022-08-25

Closed with explanation

Yes

2019-08-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX

EQUIFAX, INC.

TX

76018

Consent provided

Web

2019-08-05

Closed with explanation

Yes

2023-05-12

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

Credit reporting

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

Their investigation did not fix an error on your report

THESE INQUIRES WERE NOT MADE BY ME AND I HAVE SENT THEN SIGNFICANT AMOUNT OF PAPER WORK AND THEY REFUSE TO DELETE THESE ACCOUNTS. Hard Inquires Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20904

Consent provided

Web

2023-05-12

Closed with explanation

Yes

2017-10-02

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

We purchased a property in XXXX XXXX and the owner carried a note for $ XXXX. I received a phone call from the note holder/owner on XXXX XXXX saying she needed the full amount now not 2 years or 4 years from now as she could n't recall what the note maturity date was. I told her 4 years and she said call this XXXX lady for details. I called her and she explained she was from XXXX XXXX and they were buying the note. I verified it is a 4 year note with her and then called the attorney that wrote the note. The note was created to assist the prior owner as she is an elderly XXXX woman who is not in her XXXX XXXX. This elderly woman explained XXXX was no longer interested as they wanted a 2 year note nit 4. At some point it was made aware to XXXX XXXX that she is not selling the note and I received a very aggressive phone call from XXXX XXXX explaining that I should not give this woman any money and he is buying the note or else he will cloud our title. I called the attorney again as this was now XXXX XXXX and went to my attorney 's office at XXXX XXXX that afternoon. XXXX XXXX placed an affadavit and recorded it with the county on our real estate title saying that prior owner was in breach of contract. Our attorney explained that that is slander of title and advised him to remove this within the next 10 days and his contract is with our note holder who breached contract with him and I as the property owner did nothing wrong and no right to tarnish our title. We are in the process of trying to build a house on our land and a new septic tank and I am afraid this erroneous cloud on our title will hold up our development permits. XXXX XXXX was obviously upset and out of anger and spite put this on our deed illegally. He tried to take advantage of a woman who is XXXX XXXX and has an attorney for just these purposes.I am also greatly concerned for my wife 's and my personal credit protection. It came to my attention on XXXX XXXX that XXXX XXXX, without our consent, checked our full credit history. Our personal privacy has been greatly violated and we fear this information will be used by XXXX XXXX or sold by XXXX XXXX as a form of retaliation or income for him. We both have experienced a lack of sleep and psychological and physical ailments due to this stress. This will make it hard for us to trust anything in regards to our social security numbers. We both have credit scores well over XXXX and have worked hard to maintain and build great credit. This inquiry had negatively impacted both of our credit scores and raised a red flag with another mortgage company I was working with for an investment loan. For XXXX XXXX to remove the cloud on my title and pay my attorney fees I have accrued due to his slander of title. I would also like a three year fraud protection plan paid by XXXX XXXX to monitor and freeze our credit. All paperwork and electronic records that XXXX XXXX holds pertaining to my wife and I are to turned over to authorities for disposal. A monetary amount should also be paid for the stress and inconvenience this has caused both of us ; {$1500.00} for each of us. I have had my identity stolen before and can not begin to tell you how horrendous it is. I ca n't file taxes electronically nor release my taxes to anyone for financing options without going through the irs which is very time consuming and difficult.

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

Experian Information Solutions Inc.

TX

789XX

Servicemember

Consent provided

Web

2017-10-02

Closed with non-monetary relief

Yes

2023-05-11

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

Credit reporting

Incorrect information on your report

Account information incorrect

Now that my loan was transferred, XXXX has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20903

Consent provided

Web

2023-05-11

Closed with non-monetary relief

Yes

2016-08-11

Debt collection

Credit card

Disclosure verification of debt

Right to dispute notice not received

I attest that I, XXXX XXXX, both own this account and - am submitting on behalf of myself through the CFBP for all complaints. There is no Credit Repair agency involved, and there has not been one submitting any disputes or other information -- - on my behalf. I will expect that with this deceleration that you allow for the CFBP to simply follow procedures in both the acceptance of a dispute and then, the response to the same in this portal. I OWN this account, and do not dispute its ownership. Classification of this issue as anything else is against all rules and then laws that govern your compliance to react to a consumer inquiry, as XXXX has done 6 times in XX/XX/XXXX alone. This complaint/dispute is regarding the ACCOUNT INACCURACIES/STATUS. Please research its details in that manner. Attached are screen shots of the current status of the XXXX XXXX XXXX. ( XXXX ) account on file with XXXX. This account remains - INNACURATE and INCOMPLETE, and by law must be deleted. Please do not manually " update '' the record any further, in a XXXX decision to attempt to fix this record, as the attached history will reflect - and the existing CFBP complaint about this damaging activity will reflect - is destroying my credits scores/history single handily. The following issues still exists - with NO response from this agency on the issues brought forth in this complaint, and even with numerous phone calls and written disputes. Have been provided. 1. XXXX XXXX XXXX, is a CLOSED collection account. XXXX. This account continues to remain OPEN, with no DATE CLOSED. XXXX has failed to update the status of this account and include a DATE CLOSED value, and this account is inaccurate. 2. This account is inserted into my credit record, as a Credit Grantor - and should not be, please see the attached sample XXXX report ( from XXXX published and trusted website ) that displays how they are expected to report COLLECTIONS, in the COLLECTIONS segment of a credit report, and for ALL collections. Please see attached - Sample Credit Report - XXXX ( its own published document ) for this CRA 's standards for a credit report. Insertion of a collection account 3. According to the XXXX and the XXXX, and the XXXX 2 file specifications, COLLECTION accounts are forbidden to use or store, ACCT TYPE 's that are = XXXX -- Collection Agency/Attorney XXXX -- Returned Check XXXX -- Factoring Company Account ( includes Debt Purchasers ) This account lacks any of these dedicated Debt Collector values for their use only. Please see the attached XXXX layout specification, pulled from a search online. 5. Equifax has added a PAY HISTORY ( deleted, added, re - added ) XXXX XXXX XXXX has NOT reported any changes since XX/XX/XXXX, and a COLLECTION ACCOUNT is not allowed to store " Rate/Status '' of 120 days past due. This value is dedicated to Credit Grantors, as per the XXXX, XXXX and the XXXX File specification standards. File Name XXXX - Past Due 120. 6. XXXX XXXX XXXX - can not extend credit - and CAN NOT be a RETAIL credit grantor - please see the attached history for the data elements that are used, in direct contrast to published file and usage ( XXXX ) standards. This account is so INCORRECT, the attempt to manually manipulate data to make it look more accurate - is an epic failure on their side. Delete the INNACURATE and INCOMPLETE Accounts

CAPITAL ONE FINANCIAL CORPORATION

NJ

07050

Consent provided

Web

2016-08-11

Closed with explanation

Yes

No

2023-02-17

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 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.

GA

31907

Servicemember

Consent provided

Web

2023-02-17

Closed with explanation

Yes

2019-04-13

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I consolidated my federal student loans in XX/XX/XXXX and have been working in public service ever since. There has been several times when the loan services has placed my account in a deferment status, without my knowledge or consent. I requested that the deferment be removed from my account in XX/XX/XXXX and was informed by my loan services that it was and that I was in a payment status. The only reason I had requested to have my loans placed in a deferment status ( for XX/XX/XXXX-XX/XX/XXXX ), was because I was in XXXX Basic ( XXXX XXXX ) and could not call to facilitate my loan payment setup within that initial 8 week period. I was told that the account deferment was stopped, only later to find out that the services had failed to stop the deferment. I have been working in public service for nearly 11 years and request to receive credit for ALL time/payments that were made in XX/XX/XXXX. Thank you for your assistance in addressing this matter ; please contact me if additional information and/or clarification is needed

AES/PHEAA

NC

28532

Servicemember

Consent provided

Web

2019-04-13

Closed with non-monetary relief

Yes

2023-01-27

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

The collection company calls multiple times a day. They have now started blocking their number in order to trick me into answering the phone. Just the last couple weeks here is a call list. This has been going on for longer than 6 months. I have asked them repeatedly to stop blocking their number as well. XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX XX/XX/23 @ XXXX

ENCORE CAPITAL GROUP INC.

UT

84075

Consent provided

Web

2023-01-27

Closed with non-monetary relief

Yes

2022-07-14

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

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

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

WELLS FARGO & COMPANY

CO

80249

Consent provided

Web

2022-07-14

Closed with explanation

Yes

2022-10-27

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

Credit reporting

Incorrect information on your report

Account status incorrect

I am habitually ignored by Fifth Third Bank ( address : XXXX XXXX XXXX. XXXX, XXXX, OH ) employees no matter when I call or what the subject matter is. I have been calling XXXX XXXX ( phone # : XXXX ) XXXX, apparently in the office of the President of Fifth Third bank to report to her XXXX ) changes in my monthly mortgage premiums due to changes in my home owner ins policy ; XXXX ) the fact Fifth Third reported me and my financial status to XXXX as being effected by Hurricane IAN which is incorrect. I continue to pay my mortgage monthly and do not want this notation on my credit report. She may believe it is more appropriate I call Customer Service but particularly because when I do that NO ONE calls me back, or their customer service skills are so bad I literally cringe when I speak with them, and because she has also evidenced this behaviour by not calling me back herself. I put a XXXX call into her today and I am sure I will not hear from her. Based on the overall pandemic situation, which lingers and the unrest everywhere, I am not trusting of very much. And when I ask a specfic person to CALL ME BACK XXXX TIMES I EXPECT A RESPONSE!!

FIFTH THIRD FINANCIAL CORPORATION

FL

338XX

Older American

Consent provided

Web

2022-10-27

Closed with explanation

Yes

2020-04-10

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

In XX/XX/XXXX I authorized my parents to use my Citibank credit card to buy scooter chair for {$5300.00}. When I later saw charge on statement didnt recognize charge and reported as fraud. Citi credited my card and issues a new one. By the time I realized the mistake my mom had already been reimbursed and contacted vendor and paid for the scooter in full. Because I had wrongly reported charge as fraud I called Citi as a courtesy to tell them it was a mistake not a fraud and I had paid with another card. For some reason Citi arbitrarily charged my card again. For six months I have been calling Citibank trying to resolve. I even called the vendor and they sent me proof that the had credited my account because there records did show a double payment. I sent that proof to Citi on XX/XX/XXXX. Yesterday after 2 hours and 32 minutes on the phone with Citicard I was informed that they have closed the case and are done with it. ( I can document at least 12 phone calls which exceeded 6 hours in total ) When I demanded to talk to a supervisor they hung up on me. In short Citi wrongly charged my card, received refund from vendor and is now saying they didnt receive it and I must pay.

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

CITIBANK, N.A.

FL

344XX

Consent provided

Web

2020-04-10

Closed with explanation

Yes

2021-11-03

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

south west credit systems is reporting derogatory on my credit file. debt was paid to XXXX on XX/XX/2021 {$210.00}. confirmation number XXXX south west credit systems is irresponsible, incompetent or fraudulent. XXXX reports to me I don't owe them anything

Southwest Credit Systems, L.P.

FL

33026

Consent provided

Web

2021-11-03

Closed with explanation

Yes

2018-02-03

Debt collection

Payday loan debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

Was notified by mail about a debt that was sold to 3rd party collection agency claiming to be a law office. I was notified in XXXX 2017 by letter stating that they have made several attempts to reach out to me about the debt and that if they did not here back from me with in a certain amount of time they would be proceeding with legal actions. I have not received any calls, letters or anything about this. Never received any notifications that the supposed debt was being sold to a different company as well. When I called Kenosian and Milele, LLP they were very rude and unwilling to help me settle this. I asked for information about this debt and when they tried to notified me. I was told that they can not provide me with any information and that I had to settle this today or they would proceed with legal actions today. I asked for some type of settlement due to the large amount claimed being owed, they were still unwilling to help. I asked to make payments of {$50.00} a month and was told they can take anything less then {$120.00} a month. They use very harsh and threating words to try to collect the debt with out providing any information when requested Still unwilling to provide information about the debt I asked for something in writing about they payments be arranged and was told that their lawyers to do not provide anything like that in writing. So out of the fear of being sued I agreed to make payments that I could not afford. After making a payment, I was unable to make the next months payment. I called them before the payment date to notify them I was unable to make the payment. I was told that either I come up with the money today or that they will take me to court and garnish my wages to get the money and that either way they will get their money. I called the original creditor to see if I could get information about the debt they stated they no longer had the account and that it was sold to XXXX XXXX. I find this very suspicious because the letters I received mentions nothing about XXXX XXXX owning the debt. All notification I have received come from Kenosian & Miele LLp Attorneys at Law stating that the original creditor is XXXX XXXX and that XXXX XXXX XXXX XXXX XXXX is there client. I done research on this Law office Kenosian and Miele, and they do unethical practices by illegally serving people wrong court date information and get a default judgement to garnish people wages or by illegally taking funds out of peoples account with out notification. I am afraid this is going to happen to me.

Company disputes the facts presented in the complaint

The Law Offices of Kenosian & Miele, LLP

CA

92592

Consent provided

Web

2018-02-03

Closed with explanation

Yes

2023-07-07

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I am a victim of identity theft please remove this fraud inquiry 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.

IL

60419

Consent provided

Web

2023-07-07

Closed with non-monetary relief

Yes

2023-05-19

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

Credit reporting

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

Their investigation did not fix an error on your report

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78665

Consent provided

Web

2023-05-19

Closed with non-monetary relief

Yes

2023-06-10

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

Experians dispute results : Report Number XXXX, on XXXX verified and validated that the day of first delinquency was XX/XX/XXXX for my XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Equifax XXXX FILE : XX/XX/XXXX Confirmation # XXXX, verified and validated that my XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX re-aging the account by reporting the incorrect date of first delinquency. Now XXXX years later they have move up the day of first delinquency to XX/XX/XXXX. This is incorrect information and both credit reporting agencies and XXXX XXXX Bank refused to investigate properly and correct the erroneous information.

EQUIFAX, INC.

IL

60030

Consent provided

Web

2023-06-10

Closed with explanation

Yes

2023-08-14

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

Credit reporting

Incorrect information on your report

Account status incorrect

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

EQUIFAX, INC.

MD

211XX

Consent provided

Web

2023-08-14

Closed with non-monetary relief

Yes

2016-01-26

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls

Company chooses not to provide a public response

United Consumers Inc

MD

20746

Consent provided

Web

2016-01-26

Closed with explanation

Yes

No

2022-10-05

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$41000.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

937XX

Consent provided

Web

2022-10-05

Closed with non-monetary relief

Yes

2023-04-27

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

Credit reporting

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

Their investigation did not fix an error on your report

I discovered that many accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX

EQUIFAX, INC.

FL

33141

Consent provided

Web

2023-04-27

Closed with explanation

Yes

2023-01-24

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

Credit reporting

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

Was not notified of investigation status or results

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

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

Experian Information Solutions Inc.

IL

604XX

Consent provided

Web

2023-01-24

Closed with explanation

Yes

2021-08-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of XXXX. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of XXXX Data Breach Victim.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

34606

Consent provided

Web

2021-08-24

Closed with explanation

Yes

2020-06-22

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts

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

Experian Information Solutions Inc.

FL

33127

Consent provided

Web

2020-06-22

Closed with explanation

Yes

2022-03-05

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 copy of my consumer credit report from Factor Trust Inc. on XX/XX/XXXX, Report # XXXX. The credit report was extremely extensive and contained multiple inaccuracies and outdated personal data. I mailed a formal dispute on XX/XX/XXXX to Factor Trust Inc and waited for results. After no response, I mailed another dispute on XX/XX/XXXX, XXXXthis time certified mail. ( Dispute dated XX/XX/XXXX ). Again, no response. Next, I mailed a failure to respond to my dispute on XX/XX/XXXX via certified mail ; referencing the dispute of XX/XX/XXXX because I have proof of receipt on file. I receive a response days ago, dated XX/XX/XXXX stating they received my dispute ( by now I've sent 3 with no results ) ; however, I must first obtain a copy of my report before I can file a dispute. Hmmm. How would I be able to mail such a thorough dispute, if I did not have a consumer report from Factor Trust?

Factor Trust

MS

39501

Consent provided

Web

2022-03-23

Closed with explanation

Yes

2022-04-29

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, has violated my rights. 15 U.S.C 1681 section 602 A. states i have the right to privayc. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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

Experian Information Solutions Inc.

NY

10701

Consent provided

Web

2022-04-29

Closed with non-monetary relief

Yes

2023-07-26

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

CEASE and DESIST- Hello and thank you for confirming that XXXX XXXX XXXX XXXX PMT XXXX, LLC is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including XXXX XXXX XXXX XXXX PMT XXXX, LLC . Since XXXX XXXX XXXX XXXX PMT XXXX, LLC decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ). Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation. XXXX XXXX XXXX XXXX PMT SOLUTIONS , LLC as confirmed is a debt collector who failed to comply with and violate the Fair Debt Collections Practice Act ( 15 USC 1692 ), 18 USC 1028, 18 USC 1028A , 15 USC 1692a, and violated 15 USC 1692c ( a ), is liable to me in the amount equal to XXXX XXXX XXXX XXXX XXXX XXXX ( {$5000.00} ) by Law !

Company believes it acted appropriately as authorized by contract or law

PMT Solutions, LLC.

PA

19139

Consent provided

Web

2023-07-26

Closed with explanation

No

2021-12-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

ON XX/XX/21 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER TRANSUNION UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA TRANSUNION HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19124

Consent provided

Web

2021-12-16

Closed with non-monetary relief

Yes

2022-02-24

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 on several different occasion to include more that 60 days attempted to have the three items in collections removed from my XXXX and XXXX credit files. I have also contacted the companies that entered the collections. I have asked for original signatures on any loans. I have asked for original HIPPA forms with original signature on any medical collection. I have also submitted credit file disputes with the reporting agency. Please remove this unauthorized negative information ASAP.

CAINE & WEINER COMPANY, INC.

GA

30281

Servicemember

Consent provided

Web

2022-02-24

Closed with explanation

Yes

2017-10-30

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

Emergency room visit for 3 hours and got {$15000.00} bill. Refused to pay. Date of Service XXXX/XXXX/XXXX. Hospital wrote it off on XXXX/XXXX/XXXX. Commonwealth Financial Systems started harassing me and reporting me to credit bureau XXXX. The debt has been charges off since XXXX. They are attempting to collect a debt that does not exist. The debt was turned over to my attorney and I assume he had it reversed. I want the prosecuted and fined for their illegal practice.

Commonwealth Financial Systems, Inc.

TN

378XX

Older American

Consent provided

Web

2017-10-30

Closed with explanation

Yes