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Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, Experian, and XXXX.
I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing.
Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX
I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future.
I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me.
Thank you for your attention to this matter. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Sent mailed letters to company 30 days later I still have no response from the company. that's a violation to the FDCRA. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. |
Credit card or prepaid card | Store credit card | XXXX XXXX- attempted to apply for credit card at Kohls in XXXX , Texas . The cashier would not allow me to directly enter the information. She requested my Social Security number and income information out loud in front of other patrons. She then declared that I could not get a card. When I asked what could be done, she asked a nearby cashier out loud about my denial in front of other patrons. I called the 1800 number to appeal and the individual said they could not help me. I recieved a denial letter that contains false information about my credit which is perfect. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have contacted Transunion, XXXX and XXXX about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit. |
Debt collection | Medical debt | I received a bill from you on XX/XX/2020 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely, XXXX XXXX |
Debt collection | Auto debt | Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. |
Credit card or prepaid card | General-purpose credit card or charge card | these people call you twenty times a day on all my phones burning up my minutes 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX is their any way they will stop calling they call me about the irs warrant for my arrest student loan idont have a student loan. 3.health insurance with XXXX XXXX 3 times I have called them about the birth date being wrong never gets fixed near. then their is the fireman ball or policemans fund. XXXX XXXX XXXX credit card fraud you have to have a card first to have fraud |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I checked my credit report today, XX/XX/XXXX and noticed inaccurate reporting by the XXXX XXXX XXXX for my student loans for the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I was ENROLLED in school, which meant i had an IN-SCHOOL DEFERMENT. There were no payments due at the time that was enrolled. I have never received any correspondence about a late payment. |
Credit card or prepaid card | General-purpose credit card or charge card | On XX/XX/XXXX XXXX XXXX The first transaction was a amount of {$66.00}. This happened at a XXXX, located at XXXX CA, US The second transaction happened again later at night on XX/XX/XXXX XXXX XXXX but this time an amount of {$100.00} then again for the same amount of {$100.00} at XXXX XXXX
I also filed a police report and also a complaint to bank, for an open investigation. I currently still have my card that they used but I canceled it and requested another card for my safety. And I also changed my PIN number |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. |
Student loan | Federal student loan servicing | My student loans went from being in forbearance to being in default all within then span of six months I was never notified and I was never given any help on how to rectify the situation. Ive contacted the school XXXX XXXX XXXX XXXX they told me it was out of their hands and so did fed loan. Ive been left with nothing but trouble and I have no help to rectifying this situation and i cant get jobs and housing because of it. I was told to contact your organization because you may be able to help me get some compensation for this. This dates back to XXXX when I started the loans and XXXX when this all happened |
Vehicle loan or lease | Loan | PAYMENTS SINCE XX/XX/2023 ARE NOT BEING APPLIED CORRECTLY. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account. |
Debt collection | Other debt | on my credit report it says XX/XX/2017 Account Resolution Services I never signed with his company and have no knowledge of the company |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I'm a victim of identity Theft i did not give any Consent to anyone to open these accounts |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is my follow-up complaint in attempting to ensure the deletion of these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Assuming no one cares, either way, block the noteworthy of any information or items in my credit record that came about due to alleged fraud or extortion. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi! I have been trying to get this removed from my credit report. Someone opened a Chapter XXXX bankruptcy dismissed in my name years ago. It was listed on Experian, XXXX, and XXXX. It was list twice on all 3 bureaus. I disputed them and XXXX and Experian removed 2 different bankruptcy off my report. However XXXX only removed 1 of 2 off my report. The name was used to open XXXX was XXXX XXXX, that's not or never been my name. My name is XXXX XXXX and has always been. The address that was listed on court documents XXXX XXXX XXXX XXXX, Ga XXXX I have never lived at that address or ever used that address. Those two errors alone that should have made them remove the Bankruptcy. Also there hard inquiries that need to be validated and removed. I didn't authorize for these lenders to have ran my credit. I certainly didn't sign any documents for them to run it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit card or prepaid card | Store credit card | In XXXX I was charged a late fee of XXXX I made my payment for the month of XXXX on the the XXXX. I was not aware of a end of billing cycle date I thought it would be the due date.
View payment details. XXXX XXXX XXXX Submitted XXXX checki {$100.00} I called in and was told the billing cycle started on the XXXX. so the payment did not post to the correct month but the operator told me her supervisor was tied up and she could take care of this for me. I then told her i made the payment for februray on that date which was the XXXX. my pay by dates were the XXXX so I had thought previous to this that was the end of the billing cycle. She said no problem I told her I also needed to make sure the payment I made at that date wewnt towards my XXXX payment to make sure it did not happen again the next month. She said it was no problem.
View payment details. XXXX XXXX XXXX Submitted XXXX checki {$100.00} Now this month I have another late fee I called in and told them what had happened they said no You never made a payment for XXXX so you get a late fee. I told the women on the phone I dont think you understand she was trying to argue the fact. I made another payment this one being a XXXX payment for XXXX and a payment for XXXX. along with the late fee again. XXXX XXXX XXXX Submitted XXXX checki {$220.00} And I wrote them a message which they responded I did not make a payment in XXXX so I am being charged a late fee. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft.
XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to XXXX, XXXX, and TransUnion in regards to accounts and inquiries that are present on the credit report because of identity theft.
Accounts present because of identity theft.
1. XXXX/XXXX : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit : {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft.
1. XXXX/XXXX : Date opened : XX/XX/XXXX |
Debt collection | I do not know | XXXX XXXX XXXX / XXXX / {$840.00} XXXX XXXX/ XXXX / {$940.00} XXXX XXXX / XXXX / {$15000.00} XXXX XXXX / XXXX / {$1300.00} XXXX XXXX / XXXX / {$600.00} XXXX XXXX / XXXX / {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). |
Credit card or prepaid card | General-purpose credit card or charge card | XX/XX/2019 To whom it may concern, I would like to file a complaint regarding Capital One. I called Capital One this XX/XX/2019 to have my ex-wife removed from an account she is a co-applicant. Back in XXXX I was exploring debt relief options and this was my reason for requesting her name be removed. Note she never used this account. I was told no problem by Capital One and they would remove her name. I also, asked my account be closed. Unfortunately, I failed to get documentation from Capital One she was removed from the account. Please NOTE I would never had closed this account without her name not being removed. I know enough that once an account is closed you definitely can not request a name to be removed.
My ex-wife messaged me the week of XX/XX/XXXX that her credit report showed late payment from Capital One. I was totally surprised and caught off guard because I thought her name had been removed. I began process of filing for XXXX XXXX Bankruptcy in early XXXX. I called Capital One twice and explained the situation. I was told whoever I spoke with back in XXXX mis-spoke. Again my fault for not having requested this documentation.
I explained to Capital One I could email our Consent Order from our divorce spelling out I was solely responsible for this account. I pointed out that her credit was being affected it should not be. This fell on deaf ears as Capital One did not even want to see this Consent Order. I had been a loyal paying customer for over 15 years to Capital One. I am certain they made plenty of money off interest charges. Its just upsetting I was led to believe the ex-wifes name was removed only to find out I was lied to. How I wish we could play back our conversation as I know they record every call.
I am hopeful someone from Capital One has compassion and a kind heart to recognize our situation and to correct this situation. I dont agree with my ex-wife on just about everything however, her credit should not take a hit given I was told Capital One would remove her name off the account.
Sincerely, |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights.
15 USC 1681 Section 602A states I have the right to privacy.
15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. |
Debt collection | Medical debt | I previously set up a payment arrangement with ARCI in order to address the bill that has been in collection with them since 2016. In 2016, I underwent XXXX to remove XXXX from my XXXX and had to pay my portion of the XXXX in order to schedule the XXXX. I have not been able to recover financially from that procedure. I am currently on XXXX and have been unable to work and receive a sustainable income. I called ARCI in hopes to push back my payment arrangement since I have a new procedure that I have to pay for. XXXX XXXX immediately got rude with me and refused to negotiate a new arrangement with me. She told me to wait to get the procedure and pay ARCI instead. I told her the procedure can not wait and if I wait, I could be dead and then they'll never get their money. I told her that I have every intention on paying them back, I just need to postpone the payment. She hung up on me before I could express to her that I'd have it paid by XXXX. When I called back to speak to a supervisor, I was told by the receptionist that XXXX XXXX IS the supervisor. XXXX XXXX was very unprofessional in her approach with me. I am not sure how anybody will pay someone who insults them and advises them to postpone a potentially life saving procedure just so ARCI can get their money. |
Credit card or prepaid card | General-purpose credit card or charge card | USAA BLOCKS CONSUMERS REPORTING FRAUD FOR UNFAIR FINANCIAL GAIN by " CREATING *new accounts " AND " LEAVING *not resolving fraud " CONSUMERS ARE LIABLE FOR FRAUD. My Complaint is Against USAA ID THEFT POLICY. I reported Ideninity Theft see attatched CLAIM DATE XX/XX/XXXX {$470.00} CREDIT CARD FRAUD CLAIM letter dated XX/XX/XXXX INVESTIGATION COMPLETED PROVISIONAL CREDITS MADE PERMANET. Statues Require Fraud Resolved in 2 billing periods is Ignored. USAA HAS NOT PROVIDED PERMANET CREDITS FOR THIS FRAUD YET. I COMPLAINED XX/XX/XXXX NO CREDITS PROVIDED YET. I was sent to the ID THEFT DEPT spoke to XXXX who claimed he made a report. Suddenly, * After our Convesation USAA REFUSED TO AUTHENTICATE ME NO ACCESS TO ANY DEPT REQUIRING I REBUILD MY PROFILE BY SENDING A DRS LICENSE. ** Kindly Note I DISCOVERED I DID NOT OPEN THIS ACCOUNT. I DID NOT SEND IN MY LICENSE. USAA EVENTUALLY GAVE ACCESS AGAIN. see attatched 1099-C CANCELLATION OF DEBT IRS MC XXXX Kindly Note CLEARLY STATES BOX 5 Borrower " WAS " Personally Liable XX/XX/XXXX. USAA DID NOT CLOSE THIS ACCOUNT REPORTED IT DELIQUENT AND SOLD IT. ** THIS OPENED NEW ACCOUNT MC end XXXX FRAUDULENTLY & Visa XXXX XXXX FRAUDULENTLY. XX/XX/XXXX I am able to be Authenticated again AFTER USAA ID THEFT BLOCK WAS PREVIOULY IN EFFECT and I call in to ID THEFT TO REPORT MC end XXXX Explaining to XXXX Usaa Rep all the above I DID NOT OPEN THIS ACCOUNT and I am told to call back to another deptment. I CALL XXXX WALL!!! I call back and I AM UNABLE TO BE AUTHENTICATED ONCE AGAIN REQUIRING ** I SEND MY DRS. LICENCE ON AN ACCOUNT " I did NOT OPEN " Some old fraud was just paid by usaa XX/XX/XXXX {$460.00} AFTER THIS ID THEFT ACCOUNT IS DELIQUENT as the XXXX Account. USAA BLOCKS CONSUMERS RESOLVE OF THEFT AND CREATES MORE THEFT OPENING FRAUDULENT ACCOUNTS See attatched ID THEFT case XXXX USAA COLLECTS ON THIS BLOCKED ID THEFT ACCOUNT ILLEGALLY. IT WAS ILLEGALLY OPENED USING MY PRIVATE SECURE DATA OF ACCOUNT CLOSED CANCELLATION DEBT MC end XXXX XX/XX/XXXX. They need Drs License??? They know I DID NOT OPEN. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX #XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report. |
Student loan | Federal student loan servicing | It was brought to my attention that Navient has not been able to prove ownership of many student loans as well as mishandling of payments, documentation of loans, and steering people into forbearance, etc. To ensure that I will not have to pay my Navient Student Loans twice in the event Navient does n't actually own them, I called Navient twice ( XX/XX/XXXX -- XX/XX/XXXX ) and requested documentation of ownership of said loans. Both times I called Navient, they sent me a standard billing document and I have yet to receive any documentation showing proof of loan ownership by Navient.
Both times I called, I specifically asked for documentation showing all of my student loans owned by Navient. I clarified that if I did not receive documentation that it would be my understanding that the student loans were not owned by Navient. The CSR stated that, " Yes that is correct. The documents that will be sent to your email will contain a link to your Navient owned loans ''.
I have attached 3 documents : 1. ecorrespondence XX/XX/XXXX I received this document after my first call to Navient 2. ecorrespondence XX/XX/XXXX I received this document after my second call to Navient 3. Student Loan XX/XX/XXXX This is a screenshot of my Navient loan page What I am looking for is proof of ownership by Navient of all of my student loans. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | ATTN Fraud Department : Remove fraudulent accounts from my credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | TransUnion is not following the FCRA guidelines concerning consumer accounts. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am concern as this has made a tremendous NEGATIVE impact on my credit reports. After disputing with XXXX XXXX, XXXX via phone, the representative stated they were a third-party company that has no documentation with my signature to provide proof to " any '' customer. They didn't remove the account. I had reached out to TransUnion XX/XX/2020, and XX/XX/2020, informing that I have no account with XXXX XXXX, XXXX requesting them to remove the account. TransUnion " CLOSED '' the account but didn't remove the account. Not only " closing account '' is detrimental to any accounts of a consumer, but it gives lenders to think an individual can not pay their bills. TransUnion didn't delete an inaccurate and unverifiable account and couldn't provide proof to me in reference to these two accounts from XXXX XXXX, XXXX belongs to me. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have contacted the credit company on inquiry which were not authorized by me. Also contact TransUnion with several letters about these hard inquiries on my credit report. TransUnion refuses to remove these inquiries which were not Authorized by me |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I HAVE NOT RECIEVED ANY VERIFICATION OF DEBT OR REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAWS 15 U.S. Code $ 1681c-2 HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAS BEEN AFFECTED BY THEIR ACTIONS. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX Mortgage is reporting me being late 30-60 days late in XXXX and XXXX of XXXX.
I was in Forbearance from XXXX XXXX XXXX.
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX.
In XX/XX/XXXX I made a payment to XXXX XXXX Mortgage.
My forbearance with XXXX XXXX started in XX/XX/XXXX.
I was never late on my mortgage.
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance.
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX.
In XXXX I signed the loan modification agreement.
XXXX Mortgage took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show.
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed.
At this point I do not understand what payment was late?
Thank you, XXXX XXXX XXXX XXXX |
Checking or savings account | Checking account | Money stolen from my account without my knowledge or authorization. So far XXXX, and XXXX dollar unrecovered. The return statement by bank of the west is a joke and completely ignore my complaint. |
Credit card or prepaid card | General-purpose credit card or charge card | It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly. |
Checking or savings account | Checking account | I am a real estate agent and I agreed to a six-month contract with XXXX to purchase internet leads. I electronically signed the contract. XXXX did not deliver what they absolutely promised me so I sent them a cancellation notice after four months for breach of contract. I spoke with the XXXX rep numerous times along with his supervisor to try to come up with a solution. The only thing I got was, forget about what we promised and just pay the bill. I told them I was not rolling over nor was I going to pay the last two payments. We could go to Court if they wanted. A couple of agents have a lawsuit against XXXX for the exact same thing. These companies are making promises they can not keep just to sign an agent up for their services. I informed XXXX that I was filing a complaint against them with the Federal Trade Commission and the Small Business Administration.
I cancelled my business card with Suntrust and received a new one so that XXXX could not bill my account. XXXX obtained my new card number and debited my account. I phoned Suntrust to file a complaint and ask why XXXX was given my new card number. Suntrust told me that Mastercard gave out my new number. They said that my new card number was linked to my old card. That does not make sense to me. If one receives a new card it should never be linked to a previous card. Consumers receive new cards for a reason.
I told Suntrust that it was not up to them nor Mastercard to be judge and jury over my money. If I had wanted XXXX to have my new card number, I would have given it to them. Suntrust is telling me they have to allow the merchant 60 days to file an answer to my dispute. I disagree because Suntrust was not authorized to let that money leave my account.
Suntrust informed me that the charge has been reversed but they can not put it back into my account until XXXX and that is provided XXXX doesnt contest it.
My complaint is against Suntrust and Mastercard for giving my new card number out without my authorization. I have lost trust in the Banking institution. This tells me they are on the side of the merchant and not the consumer. They should not be allowed to give out a consumers new card number. I want my money back and I want it now. |
Credit card or prepaid card | General-purpose credit card or charge card | I Have no knowledge of this account. I never signed up to get this card. I dont know if they have confused me with another person. |
Debt collection | I do not know | They call no stop. I block their number and they call from other numbers. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to address the ongoing discrepancies in the credit reporting of my XXXX XXXX XXXX account, XXXX XXXX, which have had a profound and distressing impact on my life. The violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ) have caused significant emotional distress and financial hardship.
I am writing to dispute the accuracy of the information reported by XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX ( Account Number : XXXX ) on my credit reports. The discrepancies between TransUnion, XXXX, and XXXX are as follows : Date Opened : According to TransUnion, the date opened for these accounts is XX/XX/XXXX, while XXXX and XXXX both indicate the date as XX/XX/XXXX. This discrepancy violates the accuracy requirements of the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 611 ( a ) ( 2 ).
High Credit : TransUnion reports the high credit for these accounts as {$11000.00}, whereas XXXX reports it as {$0.00}. XXXX, on the other hand, shows the high credit as {$11000.00}. Such inconsistent reporting of the high credit amount violates the accuracy requirements of the FCRA, specifically FCRA Section 607 ( b ).
Credit Limit : TransUnion and XXXX both report the credit limit for these accounts as {$10000.00}, whereas XXXX reports it as {$0.00}. This inconsistent reporting violates the accuracy requirements of the FCRA, specifically FCRA Section 607 ( b ).
Last Reported Date : TransUnion reports the last reported date for these accounts as XX/XX/XXXX, XXXX reports it as XX/XX/XXXX, and XXXX reports it as XX/XX/XXXX. This inconsistency in reporting violates the accuracy requirements of the FCRA, specifically FCRA Section 611 ( a ) ( 1 ) ( A ).
Validate the accuracy of my personal information, including my name, address, Social Security Number, and date of birth, as required by FCRA Section 611 ( a ) ( 2 ). Review the reported accounts associated with my credit profile to ensure their accuracy and validity, adhering to FCRA Section 611 ( a ) ( 1 ) ( A ). Correct any errors in the reported dates, including the date opened and last reported dates, as they appear inconsistent across the different credit bureaus, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ).
Verify and rectify the reported credit limits and high credit amounts to accurately reflect the details of my accounts, aligning with FCRA Section 607 ( b ).
These discrepancies and inaccuracies in reporting have had a significant impact on my credit standing and financial reputation. As a result, I have faced difficulties in obtaining credit opportunities and have experienced emotional distress.
Therefore, I request that you conduct a thorough investigation into these discrepancies and enforce the necessary corrective actions against XXXX XXXX XXXX and XXXX XXXX. Specifically, I request that the unverified and inaccurate information be promptly removed from my credit reports, and that the correct and verified information be accurately reported by all three credit bureaus, in accordance with the FCRA.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX |
Checking or savings account | Checking account | On XX/XX/22, I became aware of three fraudulent withdrawals from my checking account totaling {$11000.00}. The withdrawals took place on XX/XX/22 and XX/XX/22. I immediately froze my account ( I was in XXXX for medical treatment ) and filed an unauthorized ACH Return Form as directed by the BofA representative ( XXXX ). After hours of unsuccessful attempts by phone to resolve the problem ( previous number, and XXXX, XXXX, and XXXX ( XXXX XXXX who never returned several voice mail requests ) ), I halted my medical treatment and flew back to the US with the idea that I needed to address this problem with someone " in person ''. Once in the US, I was not referred to anyone, being told that there was no one at any branch who could help me and was given one of the above numbers and told to call and play the same " waste of time '' game. I am of the opinion that Bank of America has instituted a " policy '' which makes it all but impossible to satisfactorily resolve the loss of my money. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I originally filed a compliant against XXXX, XXXX which a rep with XXXX resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted XXXX XXXX customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting XXXX, I've contacted each bureau. I was told, XXXX would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has /olated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX. account XXXX XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may me281any consumer report containing any of the following items of information Any other adverse Item of information other than records of convictions of crimes which antedate the report by more than 7 years.
15 U.S.C 1691s-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 information in inaccurate |
Debt collection | Credit card debt | I have opened a care credit account and its my account I was paying my bills every month, and then someone got my information and used my card without me knowing, I was never late on my payments. Because it comes out directly from my bank, I contacted the company right away about this problem |
Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | TRANSUNION CONSUMER INTE REQUESTED ON XX/XX/2020, XX/XX/2020 XXXX XXXX XXXX VIA XXXX XXXX REQUESTED XX/XX/2020 XXXX XXXX XXXX VIA XXXX XXXX XXXX REQUESTED XX/XX/2020 I HAVE NEVER DONE BUSINESS WITH THE COMPANIES LISTED ABOVE, DIRECTLY NOR INDIRECTLY .I LIVE IN FLORIDA WHICH I IS REFLECTED ON MY 2 CREDIT REPORTS ( WHICH XXXX WOULD NOT LET ME REQUEST ) ACCOUNT HOWEVER I AM NOT AWARE I HAVE MADE A COMPLAINT AND I WILL BE CALLING DIRECTLY IT WAS PREVENTING ME FROM GETTING PROPER HOUSING.
MY NAME IS XXXX XXXX PLEASE REMOVE ALL THE MIS SPELLING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX unknown |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | OnXX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. 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 XXXX data breach and may have got into the hands of the wrong person. |
Checking or savings account | Savings account | Wells Fargo opened a savings account Unauthorized in my name then closed my Checking and reported me to XXXX XXXX now XXXX cant open a account at any other bank. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved Nevada to Georgia XXXX due to the impacted COVID-19 had on my immediate family. Because of the move I was unemployed until XXXX XXXX
Therefore, I wasn't able to pay the balance of the invoice until XXXX of XXXX I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing COVID symptoms ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX.
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX XXXX XXXX and spoke with XXXX the office manager on XX/XX/2021 to inquire about ( Amerassist ) reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX from XXXX to sometime in XXXX. The office manager stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( Amerassist ) remove the account collection/outsources.
With that said, I contacted on XXXX and XXXX ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office manager to have ( Amerassist ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions.
On today 's day XX/XX/2021, XXXX sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted XXXX again and explained what was uploaded to my XXXX disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full.
Amerassist has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so. |
Credit card or prepaid card | General-purpose credit card or charge card | I have had this credit card since XX/XX/2008and have never missed a payment. I asked to be signed up for the online banking account in XXXX and spoke with someone on the phone to set that up. At that time I updated my email address but did not intend to opt into " paperless billing '' as the way that I manage my accounts is via paper.
I received an email the first week of XXXX telling me that my credit limit has been dropped from XXXX to XXXX due to non payment on my account. I was astounded as I always pay my bills. I called BoA and paid my account in full and told them I never received a notification in my email that there was a bill ( and I have searched my email account and I didn't ... wasn't even in spam ). I asked that my credit limit be restored because this was an oversight and I have an excellent payment history. They said they would not restore the credit limit.
Today I discovered that my XXXX checking account was overdrawn because Bank of America took not only my minimum payment but also the full statement payment from my checking account ( although I had a XX/XX/XXXXBALANCE ). I called and asked what happened as I had NOT authorized this. They said I did authorize it online ( I am not that old, but it must have been something that they automatically opt me into vs. something I chose to opt into ). Now they say it will take up to five weeks for a refund. So BoA has about {$3000.00} of my money, they have reduced my revolving available credit by XXXX and are completely unwilling to do anything to expedite it or consider returning my credit limit to where it was. Not to mention ... if I HAD opted into the auto payment of my account in the past ... how could I possibly have had a late payment last month? None of this makes any sense.
I want to close my account but I can't do that yet because they took payment in two sets and I have to request the refund of the second amount 8 days from now ( why 8? I have no idea ). And I have to be the one to request this ... they won't just automatically refund me money that is a credit AND I did not authorize they take. They also said they won't return my annual fee because I " used their benefits '' already ( I don't consider using their service a benefit ... anything but ) I just can't believe how badly this company treats its customers and gets away with it. |
Checking or savings account | Checking account | I have chase as a bank my card was lost/stolen in XXXX i noticed some charges I did not do and I called my bank and told them what happend I told them XXXX last transaction I told them exactly where I lost my card and told them the transactions that were done on my card I feel sad and very unsafe because Ive had this account for years. I filed a claim and they denied it the first time they filed the claim incorrectly so I had to file the claim again and then they credited my account days later I checked my account and they reversed the funds told me my claim was denied leaving my account at XXXX dollars I explained to them these transactions were not made by me I was told they can not do anything to help me that VISA denied my claim so Im very confused and frustrated as to why my bank is not protecting my account and they are doing nothing to credit my account back. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I found out my identity was stolen and credit cards open on my behalf.
I made a identity theft report and forwarded to all 3 credit bureus as well as the furnisher of the account.
I asked experian, XXXX and XXXX to block the account due to identity theft.
Experian blocked the account, however a week later reported the account back.
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME!
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT!
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX |
Debt collection | Other debt | Ive called TSI multiple times to verify a debt that theyve placed on my credit and whenever asked to validate the debt they can give no information and dont have any contact information for me all of a sudden and when I asked to remove the debt since it cant be validated they hang up on me. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | SOMEONE STOLE MY IDENTITY AND USE IT ON SEVERAL TIMES TO OPEN UP AUTO LOANS BANK ACCOUNTS AND UTILTY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX XXXX XXXX has damaged my Experian credit file and due to their reporting tactics my credit score has been reduced by 44 points and counting because of their unauthorized reporting and of {$100.00} past due and erroneously stating my account is Joint and that the original debt was $ XXXX. Since XX/XX/XXXX, I was sold a vacation plan as a mortgage for a property I have not seen. Based on the plan I was advised that I would accumulate points for my family and to take vacations bi annually since I was highly reluctant to sign up for a resort vacation plan. Once I had enrolled I found several road blocks to using the points all resulting in additional out of pocket money being required. This plan was supposed to be unique for me since I stated I am less likely to travel a great distance annually for vacation and would not be a good fit. They told me I could use points for other resorts near my home. I found that I had to pay steep fees to exercise this option including rolling points over annually to use for other options like hotels, car rentals etc. I have repeatedly complained about XXXX experience stating I no longer want the account. I agreed to attend an Owner 's meeting in XXXX XXXX in XX/XX/XXXX where I further told them about my difficulties with using the plan. I was told by the sales person, " Your plan is not a favorable one and should not have been sold to you because it does not allow for the use of the plans benefits ''. He further offered to upgrade me to another plan which I declined. Of the 8 years, the owner 's meeting in XXXX XXXX was the only time I stayed at their Resort for the owner 's meeting. Since XXXX I have paid {$9600.00} plus $ XXXX in taxes and annual fees. My account is now down to $ XXXX and there should be no reason they would not release me from this life sentence package. On XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX to request our timeshare be cancelled. The sent me a foreclosure threat letter on XX/XX/XXXX and a letter dated XX/XX/XXXX declining to cancel the timeshare. My Experian report reflects 1 negative account throughout my credit history and it is for XXXX XXXX XXXX XXXX 's {$100.00} past due as of XX/XX/XXXX. I specifically told them I had no desire to purchase a product that would impact my credit, nor did they get permission to obtain my credit file. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX as 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. I attempted to dispute with Experian and the returned results in less than a few days with erroneous report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | went to a car dealership shopping for a car on XXXX. The car salesman did not have permission to run my credit report with 10 + different companies. I requested for these inquiries to be removed, I have also filed a complaint with identitytheft.gov. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Received an update credit report, no changes nor response to why. |
Credit card or prepaid card | Store credit card | Ive had this card since XXXX. I have made on time payments and was near the end of paying off this card. Synchrony lowered my credit limit of {$1000.00} to {$250.00} which in turn increased my credit utilization with no substantial reason. My FICO score is current over a 700 with no delinquent accounts. This is a way trap people and mess up their credit. |
Debt collection | Credit card debt | PLEASE REMOVE ALL INCORRECT ITEMS AS A RESULT OF BEING A Victim of IDENTITY THEFT. |
Debt collection | Credit card debt | I HAVE ONE CITIBANK ACCOUNT CHARGE OFF WITH {$10.00}, I NEVER HAVE BEFORE CITIBANK CARD.
I HAVE XXXX XXXX XXXX XXXX ACCOUNT CHARGE OFF WITH {$1.00}, I HAVE ONLY ONE CARD IN XXXX XXXX XXXX. I TRY WITH THE BANK DIRECTLY, AND THEY AGREE WITH THIS ACCOUNT IS NOT MINE, BUT I SEE IN MY REPORTS. |
Vehicle loan or lease | Loan | Following an investigation conducted by XXXX, on XX/XX/XXXX the amount I owed SANTANDER CONSUMER USA was {XXXX} and on XX/XX/XXXX SANTANDER CONSUMER USA changed this amount on my credit report to over $ XXXX. I reported this change to XXXX which resulted in SANTANDER CONSUMER USA repossessing my car on XX/XX/XXXX. My car was released to me on XX/XX/XXXX after I made a {XXXX} payment to SANTANDER CONSUMER USA. Since the release of my vehicle I have made several payments and I have submitted several disputes to XXXX. Despite these investigations resulting in my favor, SANTANDER CONSUMER USA will not change the reported information. On XX/XX/XXXX SANTANDER CONSUMER USA mailed me a letter with the intent to intimidate me from pursuing any further disputes in an effort to have the car seized from my possession.
SANTANDER CONSUMER USA has a history of bad business practices and this information can be verified by consumer finance.gov https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/ |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On my Credit reports XXXX XXXX XXXX, reported as of XX/XX/2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information.
However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid. |
Debt collection | Medical debt | XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$570.00} XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection.
Unknow debt. I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act.
Credit ratings reflect a relative ranking of credit risk and play a critical role in the marketplace. The ratings have a dramatic effect on the perceived value. Unfortunately, there were some conflict of interest situations involving credit rating agencies and certain investments that led to significant mismanagement of risks during the economic meltdown in XXXX. The third most well-known part of the FCRA is the Fair and Accurate Credit Transactions Act. The Dodd-Frank Wall Street Reform and Consumer Protection Act ( DFA ) was passed in XXXX to stop major financial institutions and creditors from continuing unfair practices.
The act is intended to prevent a major recession like the XXXX started in XXXX. Also a XXXX violation to sell any medical information without my consent and signature or knowledge. |
Checking or savings account | Checking account | On XXXX XXXX XXXX my car was broken into and my wallet stolen at XXXX. the criminal took my wallet and with my personal information, called chime and changed my pin and went to atm and withdrew XXXX dollars plus atm fees. XXXX with my knowledge or consent. i woke up and saw the notifications and immediately called chime to report the crime. I also recd. an email from CHIME about my pin being changed at the same time, which he was able to do with my social security card which was in my wallet. i called XXXX police department, officer came out, took report, went to corner store and looked and obtained video footage of criminal using my chime card and then throwing it away. a XXXX detective saw the footage and immediately identified the criminal who he knew due to his longevity of criminal history as XXXX XXXX. I was given a police report number and the officers that were involved names and numbers. I was contacted by the XXXX a few weeks later, he was in jail in XXXX XXXX for several charges up to and including the fraud with my CHIME card. i obtained what police report they could give me and a letter stating why it was not fully completed. I forward the cops names, police report number, police report, CHIME just keeps saying it is not enough info. But, yet will not tell me what else to provide. They just keep saying it was not their fault, so they are not liable. well it was not my fault either and according to the claims on their websites, they have a XXXX liability clause if this such crime happens to cardholders. Yet, they refuse to honor what they advertise and keep telling me to keep rebutting it. This has gone on since XXXX. It is now the end of XXXX. There is no more information I can get for them and they should be held accountable for the services they offer and not vilify a victim who was robbed. I am a XXXX mother so every dollar counts. Is this something your office can help me with PLEASE? |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again.
XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX |
Debt collection | I do not know | Mid Atlantic left a threatening voicemail on my cell phone about a debt and how my credit would be ruined due by reporting to a CHEX agency. When I called the first XXXX refused to provide any information but demanded my SSAN. They hung up when I asked who they were and what the claim was. Finally, a XXXX person told me that they would fax the documents but could n't tell me over the phone what the claim was. The fax has not arrived.
My credit is excellent and I am wondering what this about. These people are using my cell phone without permission. They are rude and overbearing and use legalistic phrases that are not relevant.
There are tons of complaints about these people online.
I resent my cell phone being used, being accused of owing a debt, being harassed, and being threatened. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have reviewed my credit report and it looks as if I have alot of credit injuries that do not belong to me. I even have some that show up on more than once and on multiple dates. I 'm unaware of these injuries. On XXXX XXXX , XXXX , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at XXXX XXXX on XXXX XXXX , XXXX in XXXX , PA XXXX asking them to investigate. On XXXX XXXX , XXXX , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any informa tion can be disputed and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a struggle. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency. |
Debt collection | Other debt | Enhanced Recovery Company , LLC located at XXXX XXXX XXXX, XXXX FL XXXX ( ERC ) represented XXXX XXXX XXXX on a collection matter in which I owed a small sum of money from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I canceled my services with XXXX XXXX XXXX in a prior time frame and had no knowledge there was a balance due after canceling. Originally I thought ERC and one other collection company were contacting for the same account. By the time I realized the account was split up and one was in collection with ERC, I contacted ERC to dispute or settle the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) portion of the outstanding bill. I promptly paid the amount requested and was told the information will be removed from my credit report once the payment has cleared. Additionally, I paid the other collection company that separately represented the Cable TV ( XXXX XXXX XXXX XXXX ) portion of my old XXXX XXXX XXXX bill and they promptly, even without me asking, removed the collection account from my credit report. However, ERC has not removed the XXXX XXXX XXXX XXXX collection account from my credit report. I have called them on at least 4 occasions regarding this matter since XX/XX/2020. On the first 3 calls, representatives from ERC told me that XXXX XXXX XXXX was responsible for removal. However, when reaching out to XXXX XXXX XXXX XXXX Office of the President, I was told they have no control over removal. Not only did XXXX XXXX XXXX mistreat me and create confusion over splitting up the originally bundled bills between services, which made me think the collections were for the same account, ERC is still creating confusion and circular conversations on who's responsible for removal. ERC was not transparent about their policies pertaining to removing the account from my credit report prior to and after me paying them. The amount due was minuscule and does not require any additional reporting to credit bureaus. Such a small sum of money does not warrant this type of aggressive collection behavior. There is absolutely no reason for it to be there. ERC appearance on the credit report gives a false suggestion that the debt is still outstanding. I am having difficulties obtaining a mortgage because of it. |
Debt collection | Other debt | On XX/XX/2020 @ XXXX XXXX.EST spoken with XXXX and attempt made to discuss debt with original creditor XXXX XXXX XXXX. Immediately representative stated " speak with collection agency who is now handling the account, debt must be satisfied in full ''. The amount is XXXX. During this time of crisis, I'm requesting debt sent to original creditor for payment plan options. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Made an inquiry without my authorization |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/Experian & Attorney General/Consumer FinanceXXXX.
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice!
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in 2018 The affected accounts are listed below.
XXXX XXXX XXXX IN ACCT : XXXX AMT : {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items.
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure.
This is again a demand to remove such information from the report in question.
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
I appreciate your prompt attention to this matter, and await your reply.
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019 |
Checking or savings account | Checking account | I recently initiated an e-Check payment to my credit card company, XXXX. My bank rejected the transaction and charged me a {$38.00} NSF fee. My account balance had enough to cover the debit, though. I have attached a screenshot of my mobile banking history hereto.
I am shopping for a new personal checking account, but I still need the {$38.00} fee they assessed to me back in the meantime. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file.
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship.
XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date.
EDUCATIONAL XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt.
COLLECTIONS {$31000.00} Reported balance XXXX XXXX XXXX {$31000.00} Needs attention |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A 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. |
Credit card or prepaid card | General-purpose credit card or charge card | Around XXXX XXXX, I transferred {$9000.00} from my Bank of America Checking Account to my Credit Card Account, in hope to temporarily bump my credit limit so I can spend it.
Turns out, it didn't work the way I hoped. And my {$9000.00} was frozen.
Firstly, if my money gets immediately frozen, why was the transfer even allowed? There was a very convenient button to do the transfer.
Later I contacted BoA and they said they'd send me a check to return my {$9000.00}.
I never got it.
Last month ( XX/XX/2022 ), I decided to ask again. They said they can return my {$9000.00} electronically and I should receive it in the next billing circle.
However, yesterday ( XXXX XXXX ) I received a mail saying the operation failed. The explanation was basically " It was too long ago, we can't return the money ''.
How is it even legal to hold my money this way for almost half a year? |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX
has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | i found recently that is an account has been reported to my credit file and its not even belong to me, i contact with company to find out but i found poor respond from their end this account is not belong to me and its damage my financial life, |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! |
Debt collection | I do not know | This debt should have been deleted from my credit years ago and once I tried to get verification that I owed them they couldn't show proof.
Citi Financial Account # XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company. |
Debt collection | I do not know | DEBT COLLECTORS ARE HARRASSING ME OVER AN ACCOUNT I DONT KNOW HISTORY OF. |
Debt collection | Credit card debt | XXXX XXXX, I received a letter from NATIONWIDE CREDIT CORPORATION about a alleged debt of {$390.00} that i do not owe, so on XX/XX/2020 i sent them a certified letter requesting the validity of the alleged debt, a copy of the contract or agreement from the original creditor, and to cease and desist all activity.I haven't gotten a response from them as of yet concerning this debt.a copy of the letter is attached below. |
Credit reporting or other personal consumer reports | Credit reporting | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and EXPERIAN and XX/XX/XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XX/XX/XXXX and continue my education. Phone numbers that aren't mine ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment. |
Checking or savings account | Checking account | I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX.
This happened a couple of years ago when my debit card was renewed.
I live in XXXX. The bank has my XXXX address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card.
I am a XXXX citizen and I have once again been without access to my funds for over two weeks.
I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card.
Thank you. |
Credit card or prepaid card | General-purpose credit card or charge card | While working on trying to secure a loan for a business and finalizing partnership agreement, XXXX XXXX, a prospective partner used my financial information to open a business credit card account with Chase and put my name as a guarantor without my permission.
The card was issued to the business address of the partner and all correspondence being sent to that address without my knowledge.
I do not understand how the business was issued a credit card based on my information considering that there was not and still is not any document showing any relationship with the company.
After a while I did receive a call from XXXX XXXX attempting to collect the debt from the credit, that apparently was not being paid by the partner.
I discussed with a person by the name of XXXX XXXX and explained that the card was issued to a business and that I had not spent a penny on that card.
At the time she explained to me that they had no other choice than report this to credit agency and the best I could do was provide a payment and try to arrange the situation with the partner since I was the guarantor on the account.
I made the mistake of giving her my account number from XXXX XXXX for a payment of I believe {$350.00} to cover the arrears while trying to resolve the situation.
Since then, almost three years ago, XXXX has taken the liberty to take money out of my bank account and nothing being done to the individual who opened the account and who has been receiving all correspondence related to the account at his business address.
I am reporting this to the Consumer Financial Protection Bureau to get reparation from Chase for issuing credit card to a company without verifying ownership and credit worthiness information. |
Vehicle loan or lease | Loan | I got an auto loan from GM Financial, began paying in XX/XX/XXXX. SKY high interest rate of 14.27 %. First lie : GM said after one year they'd renegotiate to a lower rate. That was a BOLD FACED lie! They switched gears and claimed " oh we don't do that ''. Then I paid payments and over time I realized they were NOT applying the payments correctly. I asked for an exact accounting of principal vs. interest, GM Financial refused to provide that. I have, over time, due to health issues with my wife, a XXXX XXXX survivor and now complicated XXXX/XXXX had several extensions. Each time I was charged fees, but you can not find anywhere where the fees are applied. I asked, GM Financial refused to respond. Then GM Financial agreed to a two month extension, said paperwork was on the way, but reversed course and did nothing. I have asked about lowering the interest rate as promised, they refused. I have paid, before the XX/XX/XXXX payment, XXXX towards the original loan of XXXX. Of that according to the paperwork XXXX was/is interest, BUT they have charged me XXXX interest. I have been CHEATED out of XXXX. When I asked about this they claimed they could not answer that. GM Financial is running a dishonest operation that scams customers.They stonewall, refuse to show payment breakdowns of payments, refuse to lower interest rates, refuse to give you any explanation of questions. They have fuzzy accounting that is worse than loan sharks. |
Credit card or prepaid card | General-purpose credit card or charge card | I am writing regarding charges XXXX XXXX XXXX XXXX is trying to levy against me.
Sometime in XX/XX/XXXX or XX/XX/XXXX I opened an account with Capital One. In XX/XX/XXXX or XX/XX/XXXX I got a call from the bank saying they were seeing suspicious charges and wanted to close the account. I said OK, the travel rewards promised were never delivered anyway. In XX/XX/XXXX I purchased 2 tickets from XXXX to XXXX XXXX with my rewards. I elected an electronic purchase, but there was no record of my purchase when I arrived at the airport. I had to pay $ 400-500 for my tickets.
In XX/XX/XXXX, I received a call reminding me that I had not paid $ 15-16 owed on my account. I quickly called ( on XX/XX/XXXX ) and told them : 1. I no longer had an account and 2. I hadnt made any charges.
The person I spoke to agreed to reverse the charges since they were not mine. I do not have a recording of the call, but can show I made an approximate 12 minute call to Capital One.
Since that time I have received repeated requests for late fees. I have written 2 letters to the company ( attached ) explaining again that the charges are not mine. The total requested is now {$62.00}.
I have 3 credit card accounts that I use for convenience. I pay the charges every month online ; approximately {$3000.00} per month. If I made a $ 15-16 purchase, I would pay it. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions CAINE & WEINER COMPANY INC at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX CA XXXXhas been reporting a collection account to my credit. I do not know this company. I have sent letters of validation to this company numerous of times the only information I have received is a bill that I have no knowledge of. I have never done any business with this company. This company does not have a contract with my signature. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately.
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 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Macy 's opened a duplicate account in my name, then put the wrong address, I have called them for over two months and they will not take my payment or correct my address on file. And then reported it to XXXX XXXX. Every time I call their number XXXX I get to someone but after 30 or 40 mins they just tell me someone will call me back, and no one calls me. I do not have a card or a number that I can pay the bill to, I called and gave them my Bank info yet they are not sending me any info. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We reviewed the information you supplied. In your complaint, you indicated there are inaccurate or incomplete items appearing on your Equifax credit report. The format and verbiage of this complaint is similar to other complaints received from consumers utilizing the services of a credit repair company. To ensure the privacy of our response, Equifax will not respond to this complaint via the CFPB portal as we suspect that it may have been submitted using a credit repair company. Please be advised that you do not need a third party to help you with your Equifax credit report. You may contact Equifax at https : //www.equifax.com/XXXX if you have any questions or concerns in regards to your Equifax Credit Report. Unfortunately, there is not anything a credit repair clinic can do for you that you are not able to do yourself. If the information is accurate and furnished by a provider meeting the legal requirements for reporting credit information, it can not be erased from your file by companies advertising " credit repair '' or anyone else making these types of claims. Please note that any subsequent submissions utilizing the services of a credit repair organization will be handled in this same manner. The results of our reinvestigation will be mailed to your current address within 30 days utilizing our normal dispute process. |
Vehicle loan or lease | Loan | my wife was a co-signer on an automobile and received a XXXX XXXX XXXX to correct the problem and costs me to pay taxes on $ XXXX.This car was a lemon law by federal standards and Chrysler paid it off. Fortunately, however, the Internal Revenue Service takes a logical view of forgiven debt for co-signers. Treasury Regulation Sec. 1.6050P-1 ( 7 ) says that for purposes of filing, " a guarantor is not a debtor. '' It differentiates between those who get the benefit of a loan and those who guarantee its repayment. You are a guarantor, and so you should be off the hook. After many attempts to resolve this issue, I have decided Santana ( XXXX ) refuses to correct their mistake. Chrysler capital sent us a letter this account was paid in full XXXX title XXXX |
Student loan | Federal student loan servicing | Since XX/XX/XXXX I've been charged interest three times.
My loans are subsidized and unsubsidized Federal Ed.
I was allergic to this by my credit report that my loan amounts had changed.
I'mconcerned that if I'm being charged so are other people without their knowledge.
XX/XX/2020 Capitalized Interest {$0.00} Loan Principal XXXX XXXX - Subsidized {$22.00} Interest- {$22.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford XXXX Unsubsidized {$18.00} Interest- {$18.00} XX/XX/2020 Capitalized Interest {$0.00} XXXX Stafford Unsubsidized {$430.00} Interest- {$430.00} |