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11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these inquiries Here I add the FTC report, hoping that you make a better decision in my situation, thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WA | 993XX | null | Consent provided | Web | 11/20/24 | Closed with explanation | Yes | null | 10,874,975 |
11/19/24 | Credit card | General-purpose credit card or charge card | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 395XX | null | Consent provided | Web | 11/19/24 | Closed with non-monetary relief | Yes | null | 10,847,580 |
11/26/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Application denied | Sometime in the second week of XXXX, I applied for a credit card with Wells Fargo Bank. I already had a cash back credit card with them. This was for the XXXX card that offered no interest for XXXX months on purchases.
I was denied almost immediately, which was obvious that it was based on their algorithm.
However, the major reason for the denial was incorrect, false, or did not apply to me. I am attaching a letter that I received that states the reason. They are the exact reasons that flashed across the screen almost immediately after I applied.
I take issue with this because not only is my payment record with Wells Fargo excellent, but my credit scores are good, as you will see in the documents attached.
The problem is that I was denied by a computer that used incorrect and false information to deny my application.
When talking with the CFPB rep about it, he was immediately confused because as he said, the first reason of denial should be strong support for approving my application.
I have XXXX credit cards with a total credit line of {$57000.00}, no balances but a mere {$13.00} set on autopay for Wells Fargo, for which my credit line is {$4100.00}.
It makes no sense whatsoever.
I am filing this complaint for several reasons : XXXX. I don't think XXXX or an algorithm should be making these determinations, especially when it bases it on incorrect information.
XXXX. I was taken aback by the response of people in customer service all the way up to the XXXX XXXX who refused to acknowledge that there might be a problem with their algorithm. In fact, they sent me XXXX letters on XXXX XXXX, XXXX, and XXXX explaining why I was denied without acknowledging the incorrect information about the ratio of my balance to my credit line.
XXXX. I would like Wells Fargo to review their algorithm for this credit card application process so mistakes like this do not continue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | OH | 45036 | null | Consent provided | Web | 11/26/24 | Closed with explanation | Yes | null | 10,934,766 |
11/02/24 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I'm speaking of Mohela. I understand that there is currently a lot of confusing information regarding the government blocking certain types of repayment plans but the confusion mohela is adding to the mess is ridiculous. Months ago I began being emailed advising I was in forbearance. After an unreasonable amount of phone calls and inability to reach a person I finally found out that while the government is overseeing various things our loans are in administrative forbearance. No additional information came about and I've been checking my account regularly for the status. Imagine my surprise last month when I had a past due balance on my account of XXXX. I tried to get someone on the phone but it was pointless so I paid it. I also double checked to make sure i was still on auto draft, and I was... so there was no reason for any overdue amount. But what's really annoying is I got no notice of anything I had to pay. At any rate I paid it and emailed the company and I've heard nothing. Tonight I checked my account again and I was overdue XXXX. Again no idea for what.
Over the past 3 weeks I've received emails every other day with my upcoming revised payment schedule. I have no clue why they keep making new revisions every few days and I've stopped even trying to call them. But I'm very worried because there's no way I can afford what's on any of these schedules. I've applied for various payment plans and have no idea what to do because you can't reach anyone to discuss it.
On top of all of this I'm a XXXX XXXX who is supposed to have their loans forgiven after 120 payments are made. The governmental issue isn't my fault and I've never been late because I'm on autopay, but now I have missed many months that should have counted in my favor.
I'm so tired of this. We're all so tired of this. We need help to understand what's going on. The XXXX for mohela is terrifying. I'm actually afraid this company will ruin my credit and my hopes of loan forgiveness. | Company believes it acted appropriately as authorized by contract or law | MOHELA | LA | 71105 | null | Consent provided | Web | 11/02/24 | Closed with explanation | Yes | null | 10,663,862 |
12/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | This account is listed as a charge off but when I requested a 1099C form it was not sent | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Westlake Services, LLC | OK | 73127 | null | Consent provided | Web | 12/21/24 | Closed with explanation | Yes | null | 11,229,114 |
11/30/24 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I have had several issues with MOHELA since signing up for autopay, but this issue has been the most disheartening and disappointing. I have found charges from previous months with three discrepancies and one payment that has not registered at all. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement has a payment of XXXX reported. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement only reported XXXX. My bank account reported they took XXXX on XX/XX/year>, but my MOHELA statement only reported XXXX.
Lastly, I had two charges of XXXX that came out this month, in addition to additional charges ( those have registered on my account, thankfully ), but one payment, the one on XX/XX/XXXX, has not registered on my account at all.
In total, my student loan account is missing XXXX, in addition to whatever I paid on interest that didn't calculate the correct amount that I actually paid.
When I called about the issue, I was put on hold for 2 hours after speaking to someone who redirected me to customer service. I never was able to speak to them and hung up. | Company believes it acted appropriately as authorized by contract or law | MOHELA | FL | 32244 | Servicemember | Consent provided | Web | 11/30/24 | Closed with explanation | Yes | null | 10,981,244 |
12/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting act Credit Acceptance Corporation # XXXX, has violated my right.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B under the billing error category : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
( 4 ) the creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.
( 5 ) A computation error or similar accounting error made by the creditor on a statement.
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore.
I humbly request that the subsequent entries be promptly undated on my consumer report to reflect their current status as follow : " Paid as Agreed '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | AR | 72301 | null | Consent provided | Web | 12/15/24 | Closed with explanation | Yes | null | 11,153,288 |
12/21/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I have done a mistake of only credit card utilisation of 99 % which is already my secured credit card but My credit bureau " Experian '' has been updated XXXX in my credit report & my all going XXXX is on XXXX & recently I already cleared a successful loan of my account. Is it a way to update credit report. Totally fake upgradation on Credit report by " Experian ''. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | null | XXXXX | null | Consent provided | Web | 12/21/24 | Closed with explanation | Yes | null | 11,242,858 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Hello All, These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Please see the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you, Best Regards XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27407 | null | Consent provided | Web | 11/02/24 | Closed with explanation | Yes | null | 10,663,002 |
12/18/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file. | Company believes the complaint provided an opportunity to answer consumer's questions | Herbert P. Sears Co., Inc. | CA | 91910 | null | Consent provided | Web | 12/18/24 | Closed with explanation | Yes | null | 11,203,443 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After I received correspondence from your agency, it stated that the accounts I disputed were verified by your agency. Pursuant to 15 U.S. Code 1681i ( a ) 1 ( a ), I am demanding that your agency perform a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information.
Pursuant to 15 USC 1681e ( b ) please complete this inaccurate account or delete it from my consumer reports.
The Law Cleary States : ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
I DO NOT consent to any E-OSCAR verification as this method is not reliable or lawful, according to the standards set for by the FCRA.
I am requesting that you validate the following items non-electronically, by performing a reasonable and FAIR re-investigation : Please provide the following details of the methods by which you verified these accounts : a. Identity and position of the representative contacted?
b. Date, duration, and substance of the conversation?
c. Contact details utilized?
d. Identity, position, and tenure of your company 's employees involved?
e. Details of formal training imparted to said employee?
f. Copies of all written correspondence?
Your agency also seems to be in violation of non-compliance and negligent non-compliance with being in direct violation or the following laws : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
These are now multiple attempts to handle this matter privately. If these accounts keep getting verified by a faulty e-Oscar system when I know these accounts are erroneous and destroying my credit worthiness, I will in fact sue your agency for the maximum monetary damages that the FCRA allows.
Your agency has less than 30 days to respond with a fair reasonable re-investigation or I will have no choice but to seek legal action. This investigation must be validated by the information that I have listed above. If the information is not validated, then it must be deleted immediately from my consumer report! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48186 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,874,295 |
11/26/24 | Credit card | General-purpose credit card or charge card | Closing your account | Company closed your account | I got a notification from Wells Fargo that my XXXX XXXX was removed for the credit card unexpectedly on XX/XX/XXXX. I immediately called the bank which they said the credit card was closed by the bank and could not give provide a reason of this closure.
Please keep in mind, my XXXX XXXX is high and I always paid my monthly dues even before the due date. This allowed me to have my rewards up to XXXX XXXX
This closure will negatively impact my XXXX XXXX as I fully lost trust in Wells Fargo. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 94582 | null | Consent provided | Web | 11/26/24 | Closed with explanation | Yes | null | 10,934,721 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I asked Transunion to make sure my credit report was accurate on a dispute over XXXX XXXX XXXX XXXX. They got back to me saying " VERIFIED AS ACCURATE ''. That is false.
the account was PAID AND CLOSED AND PAID AS AGREED. It was CLOSED on XX/XX/XXXX. However, Transunion neglected to " verify '' the entire listing on the account and it is still showing LATE PAYMENTS ON A CLOSED ACCOUNT dating AFTER the closing.
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is reporting payment information on a closed account and this is falsifying the data. I asked them to make sure the whole thing was right but they failed to do that and then responded in writing " VERIFIED AS ACCURATE ''.
I demand now that this account be deleted from my credit file and confirmed back as such in writing including my ACCURATELY updated credit Transunion report. To ensure Transuion can verify who I AM, and complete this demand pursuant to the FCRA XXXX findings, I've gone ahead and included a copy of my drivers license, a utility bill, and XXXX to validate identity and soc ssec #.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08753 | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,846,317 |
12/20/24 | Credit card | General-purpose credit card or charge card | Incorrect information on your report | Information belongs to someone else | The account was opened fraudulently, all charges are fraudulent. Request proof of debt and legitimacy of charges. | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | OH | 45237 | null | Consent provided | Web | 12/20/24 | Closed with explanation | Yes | null | 11,228,557 |
11/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30318 | null | Consent provided | Web | 11/05/24 | Closed with non-monetary relief | Yes | null | 10,699,128 |
11/20/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Re : Formal Dispute of Account Balance - XXXX Account Ending in XXXX To Whom It May Concern : I am writing to formally dispute the reported balance associated with the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. The balance reported for this account is incorrect, and I am requesting a thorough investigation and correction.
This account was charged off by XXXX XXXX ( XXXX ) and is now under the purview of XXXX XXXX XXXX for collection. A charged-off account is recognized as a financial loss for the original creditor, and, under generally accepted accounting principles, XXXX should no longer report any balance due. Therefore, the balance should reflect XXXX, and any continued reporting of this balance by XXXX is misleading and inaccurate.
Furthermore, I have noted that XXXX has been engaging in a predatory and fraudulent practice by continuously re-reporting late payments every month on this closed and charged-off account. This is not only a violation of the FCRA but also an unethical and deceptive tactic aimed at damaging my creditworthiness. These actions undermine the integrity of credit reporting and constitute fraudulent behavior on the part of XXXX.
Under the Fair Debt Collection Practices Act ( FDCPA ), I also request that XXXX XXXX XXXX provide full validation of this debt, including : 1. Documentation proving the accuracy of the amount claimed.
2. A detailed explanation of why XXXX is reporting a balance despite the account being charged off.
3. Proof of XXXX XXXX XXXX legal authority to collect this debt.
If XXXX and XXXX XXXX XXXX can not substantiate the claims regarding this account, I respectfully request that : 1. XXXX immediately update its records to reflect a XXXX balance on this account and cease any further re-reporting of late payments.
2. XXXX XXXX XXXX halt all collection activity on this account, in accordance with the FDCPA.
Please respond to this dispute within the legally mandated time frame as required by the FCRA. Additionally, I demand that you refrain from reporting this debt or any associated balance to any credit reporting agencies while this dispute is under investigation.
Your prompt attention to this matter is appreciated. Please provide all correspondence in writing to the address listed above.
Sincerely, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 303XX | null | Consent provided | Web | 11/20/24 | Closed with non-monetary relief | Yes | null | 10,874,913 |
11/29/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | Wells Fargo is missing from my credit report. Prior to my bankruptcy Wells Fargo was on my credit report from the first payment made in XX/XX/XXXX to XX/XX/XXXX, now they are completely missing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MO | 637XX | null | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,968,020 |
12/23/24 | Credit card | General-purpose credit card or charge card | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | Company wrote this account off without providing 1099c to consumer. Consumer reposrted as fraud, and company still reported. Account need removal Under code 605 B, under SERA.
Continental Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Continental Finance Company, LLC | GA | 30019 | null | Consent provided | Web | 12/23/24 | Closed with explanation | Yes | null | 11,252,342 |
12/23/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals.
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX XXXX XXXX SUNSET FINANCE XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Sunset Management, Inc | OH | 44125 | Servicemember | Consent provided | Web | 12/23/24 | Closed with explanation | Yes | null | 11,257,516 |
12/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I am having an issue getting my free annual consumer report from Chex Systems, XXXX XXXX XXXX and XXXX. I would like Chex Systems, XXXX XXXX XXXX and XXXX to mail me a complete copy of my Chex Systems, XXXX XXXX XXXX and XXXX XXXX report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | MN | 55343 | Servicemember | Consent provided | Web | 12/15/24 | Closed with explanation | Yes | null | 11,163,891 |
12/05/24 | Credit card | Store credit card | Getting a credit card | Card opened without my consent or knowledge | Credit card was opened in my name. I did not not open the account with Macys | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 31602 | null | Consent provided | Web | 12/05/24 | Closed with non-monetary relief | Yes | null | 11,039,098 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with fraud alerts or security freezes | null | Fraud credit card opened in my name with CBNA. Account was opened XX/XX/XXXX and was closed XX/XX/XXXX with a overdue balance of {$2800.00}. XXXX, XXXX, XXXX, XXXX of XXXX where paid and then never paid again. I have called XXXX and they advised i call the CBNA overstock phone number and i filled a fraud dispute with them and they told me XXXX days for a investigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | OH | 435XX | Servicemember | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,178,067 |
12/01/24 | Credit card | General-purpose credit card or charge card | Incorrect information on your report | Account information incorrect | I had set up automatic payments for this account, and Synchrony Bank did not try to pull my payment from my account ( with sufficient funds ) associated with automatic payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | MI | 48220 | null | Consent provided | Web | 12/01/24 | Closed with explanation | Yes | null | 10,987,687 |
12/04/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I made a significant OVERPAYMENT of {$1700.00} on my account BY MISTAKE on XX/XX/year> and the company is refusing to return the over payment.
My balance due at that time was {$1700.00} for statement period XX/XX/year> - XX/XX/year>. I paid {$1700.00} received on XX/XX/year>, due on XX/XX/year> and an ADDITIONAL MISTAKEN payment of {$1700.00} in haste received on XX/XX/year>. This left a credit of XXXX by mistake.
The credit balance was shown on my following bill statement period XX/XX/year> - XX/XX/year>.
As soon as I realized I had made the mistake the first week of XXXX I contacted the company - to request a return of the OVERPAYMENT. I have made at least 8 calls over a period of 5 weeks since, with the final call this evening. This has caused a hardship for me.
I have spoke with at least 4 supervisors. Each time I am given a reason why it was not returned and assured it was going to be straightened out. I was given two case id 's from the company, after being assured each time it would be addressed and how it was to be addressed.
When I initially called I was assured a paper check was to be sent to my home. When the check did not arrive, I was then assured a return of funds would be issued directly to my checking account ( after verifying my checking account number and routing number where the overpayment was made ). And, then again, when that did not occur, I was then assured the company was going to send me a paper check again.
This evening I called to followup on the status of the return overpayment paper check ( based on my call just yesterday ) and again was given another reason why the payment was not returned, -- in direct contradiction to what I was told yesterday.
In summary, the supervisor tonight told me that they can not return my overpayment because I paid via BILL PAY through my bank ( as I always do ). My bank used a third party processor and so they do not know who made the payment. This is absolutely ridiculous when they have my bank accounts also on file, not to mention each check can always be traced back to a bank account WITH AN OWNER NAME!
Tonight I insisted a 2nd level Manager call me and again have requested the calls be reviewed. I began calling the first week of XXXX when I realized what I had done in error. If this was an over payment for a small amount I would not care. It is a large sum of money. Now that they have intentionally withheld my over payment I am reporting the company for malfeasance and hardship.
I am requesting assistance and mediation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | PA | 19002 | null | Consent provided | Web | 12/05/24 | Closed with explanation | Yes | null | 11,030,270 |
12/11/24 | Credit card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with customer service | On XX/XX/XXXX Wells Fargo added {$5000.00} worth of fraudulent cash advances to my account that were supposedly withdrawn from my closed credit card account back in XXXX. They are demanding immediate payment for the fraudulent cash advances. They refuse to identify who made the cash advances, and refuse to admit that they allowed the fraudulent cash advances to be made without verifying them with me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 91304 | Older American | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,108,225 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).
Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.
Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92223 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,819,315 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : XXXX XXXXXXXX XXXX.
Incorrect Addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer : Ohio XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43016 | null | Consent provided | Web | 11/15/24 | Closed with explanation | Yes | null | 10,811,739 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93534 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,811,407 |
12/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with fraud alerts or security freezes | null | Synchrony Bank calls me every single day since XXXX XXXXThey won't stop and i want them fined! I'm looking for {$300000.00} dolkars | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 145XX | Older American | Consent provided | Web | 12/08/24 | Closed with explanation | Yes | null | 11,072,990 |
11/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | The personal details on my credit report are incorrect. I've attached my documents for you to update the information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10039 | null | Consent provided | Web | 11/16/24 | Closed with non-monetary relief | Yes | null | 10,807,612 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to formally request the immediate blocking and permanent deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my personal and financial information.
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30263 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,812,885 |
11/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76063 | null | Consent provided | Web | 11/16/24 | Closed with non-monetary relief | Yes | null | 10,808,039 |
11/26/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | On XX/XX/year>, I reached out to First National Bank of Omaha about fraudulent purchases made on my XXXX XXXX XXXX. FNBO replied that the transactions were legitimate. I didn't authorize and of the fraudulent transactions listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FIRST NATIONAL BANK OF OMAHA | TX | 78749 | Older American | Consent provided | Web | 11/26/24 | Closed with monetary relief | Yes | null | 10,942,087 |
11/22/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I requested a custom video using an item that purchased for the content creator. The video was to be 5 minutes long. The creator said the item would cost {$50.00}, and the video for 5 minutes {$150.00}. I sent the payment in the form of a tip after confirming the above. A couple weeks later, creator posts the video, but is only less than 15 seconds. I asked about our agreement and creator said she needed more money before another longer video could be made. I mentioned this violated our agreement, but she continued to ask for more money. I have attached screenshots of our conversation with the payment amounts and the agreed upon details.
I attempted to chargeback with my credit card company. They opened an investigation, but ultmately denied my request. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 93291 | null | Consent provided | Web | 11/22/24 | Closed with monetary relief | Yes | null | 10,895,482 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | This complaint is to address a grave issue regarding the erroneous reporting of a bankruptcy on my credit report by the Credit Reporting Agency ( CRA ). Despite a prior complaint regarding this matter, the CRA verified the bankruptcy information using an unnamed public agency without providing essential details of the verification process. The CRA is required by law to provide full documentation that outlines every step taken to validate this information. This includes the exact source of the data, the date it was obtained, and any verification methods used. Without these details, the CRA has failed to demonstrate due diligence in verifying the accuracy of this record, which directly impacts my credit standing.
As previously stated in my initial complaint, the ( attached ) communication from the Court explicitly confirms that it does not report information to third parties or any other individuals. Therefore, I have substantial grounds to question the legitimacy of the CRA 's verification process. Furthermore, the actions of the CRA and any entity involved in this reporting violate the following federal statutes : 1. Violation of 15 USC 1681b ( 2 ) : This statute mandates that no information should be furnished without written instructions from the consumer. The CRA has failed to prove that any written authorization was provided for this verification process.
XXXX. Violation of the Privacy Act of 1974 : This law requires that disclosure of any records contained in a system of records be conducted only upon written consent from the individual. I have never provided such consent, nor has the CRA demonstrated that any consent exists authorizing this disclosure or verification.
The CRAs handling of this bankruptcy report is, therefore, both unlawful and unsubstantiated, violating the boundaries set forth by the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Given these violations, the bankruptcy report is invalid and must be immediately removed from my credit file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29407 | null | Consent provided | Web | 11/13/24 | Closed with non-monetary relief | Yes | null | 10,783,499 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | " I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. Identity Verification : If identity theft is a
concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23505 | null | Consent provided | Web | 11/13/24 | Closed with explanation | Yes | null | 10,782,777 |
11/26/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XX/XX/XXXX XXXX Investigation [ File # XXXX ] DELETED XXXX XXXX {$280.00} collection [ Helvey & Assoc ] from my credit report.
XX/XX/XXXX XXXX XXXX, I called XXXX XXXX Customer Service to request they update records with all 3 major credit bureaus and delete collection account. XXXX XXXX responded on XX/XX/XXXX with fraudulent, deceptive practices by creating and reporting a new collection account reflected on my XX/XX/XXXX credit report as : Date Updated XX/XX/XXXX Remarks >PLACED FOR COLLECTION< ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX COLLECTION AGENCY Past Due >Collection< High Balance {$280.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Estimated item will be removed XXXX/XXXX XXXX XXXX records should reflect current, accurate account information. Since XXXX, XXXX XXXX 's unfair, deceptive and abusive practices have : i. ) adversely impacted my credit report, ii. ) severlely impaired my ability to obtain funding, iii. ) declined my credit score XXXX points, iv. ) resulted in higher credit rates, v. ) caused reputational harm to my livelihood as a licensed financial professional. | Company believes it acted appropriately as authorized by contract or law | Helvey & Associates, Inc., Warsaw, IN Branch | NC | 28546 | null | Consent provided | Web | 12/03/24 | Closed with explanation | Yes | null | 10,935,493 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Subject : Urgent Dispute of Fraudulent Accounts Identity Theft To Whom It May Concern, I am writing to dispute fraudulent accounts listed on my credit report, which were opened without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report, and I expect prompt action on your part.
The accounts in question are : XXXX. XXXX. XXXX. XXXX.
XXXX.
I did have your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not open these accounts , and I have already filed a police report regarding this identity theft, which I enclosed with this letter. Additionally, I have highlighted the fraudulent entries in my credit report for reference.
As mandated by the FCRA, you are required to conduct a reasonable investigation into my dispute and to respond within 30 days of receiving this letter. If you determine that the information is inaccurate, you must promptly remove these accounts from my credit report. Furthermore, under the law, you must notify the creditors involved to ensure they cease reporting this fraudulent information.
Please consider this letter a formal request for your investigation. I expect you to provide a written response detailing your findings and actions taken regarding my dispute. I also request you put a fraud alert on my credit report for safety measures.
I appreciate your immediate attention to this matter and look forward to your prompt resolution. If you require any additional information, do not hesitate to contact me directly.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10460 | null | Consent provided | Web | 11/13/24 | Closed with non-monetary relief | Yes | null | 10,779,905 |
11/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report.
XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA, XXXX & XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 902XX | null | Consent provided | Web | 11/06/24 | Closed with explanation | Yes | null | 10,698,453 |
12/05/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Noticed on credit karma that an old inquiry ( from XXXX XXXX ) was removed, and then an inquiry from that same bank was newly added. XXXX XXXX has no info other than " BARCLAYSBANKDE '' displayed, and the fact that it was added to my report within the last 5 days. Tried contacting transunion for contact information for the bank and was denied. Their website does not work and phone wait times are extremely long. Mind you I chatted with XXXX maybe XXXX weeks ago where I provided my SSN and DOB through a secure form within the chat and had contact info for a collections account provided immediately. Now suddenly that is impossible and since their website will not work, I HAVE to call to verify my identity and providing contact info through the chat is 100 % impossible and a privacy issue. Finally contacted bank directly by just calling XXXX numbers on the Barclays website for info on why an inquiry was just recently added and they just said I " had no recent applications with them. '' When I stated they needed to investigate why they have just added an inquiry if I have not applied for anything, they stated over and over again that someone MUST have added me as an authorized user despite that being completely impossible. And of course they had no way of looking up this imaginary account that I am an allegedly an authorized user on. Refused to transfer me to a supervisor because I am " not a customer. '' Had to threaten contacting the FTC and ask for the agent 's identifying information before they would even mention being able to file a report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NY | 11225 | null | Consent provided | Web | 12/05/24 | Closed with explanation | Yes | null | 11,032,487 |
11/12/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I can go on and on and on The credit bureaus have no respect for the laws.
Someone needs to hold them accountable for this | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10552 | null | Consent provided | Web | 11/12/24 | Closed with non-monetary relief | Yes | null | 10,763,582 |
12/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with fraud alerts or security freezes | null | I requested Transunion remove a freeze on my report. The company would not allow me to speak to a representative Stateside in the United States although I requested this several times. I was informed that I was permanently blocked from online services due to being a victim of identity theft prior. This further victimizes me by not allowing me ease of access to services that every other subscriber is. Due to their refusal to allow access to my report I was unfairly denied for a service. The company continuously proceeded to ask me questions that were supposed to be related to myself and my credit file that had absolutely no relation to me. I called repeatedly on several occasions and tried to explain but could never speak to a competent manager in order to look into this further and offer a resolution. I am also attaching a copy of the demand letter I mailed to Transunion. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30324 | Servicemember | Consent provided | Web | 12/08/24 | Closed with explanation | Yes | null | 11,073,001 |
11/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Please review the attached letter. Thank you for your assistance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 45414 | null | Consent provided | Web | 11/08/24 | Closed with non-monetary relief | Yes | null | 10,735,680 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CO | 805XX | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,809,614 |
11/29/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been scammed and I had fraud charges on my bank account with XXXX XXXX. I disputed charges as fraud, XXXX XXXX credited my account but later recharged amounts again. XXXX XXXX did not protect my account from fraud charges, XXXX XXXX charged me for fraud charges and reported me as abuse.
Provide evidence of abuse, provide evidence of charges made by me, otherwise delete this information from my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | CA | 92553 | Servicemember | Consent provided | Web | 11/29/24 | Closed with explanation | Yes | null | 10,975,322 |
12/11/24 | Credit card | Store credit card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | On XXXX XX/XX/year>, I got an email alert from XXXX. It was an spending alert in the amount of {$3300.00}.
Since I didn't make this purchase I immediately called the home depot customer service which transferred me to citi card services. They disabled my cards and issued new cards. Also, they created a dispute for the above transaction and transferred it to their fraud/security team.
On XXXX XX/XX/year>, I got an email from home depot about due bill amount of {$3300.00}.
So I immediately called home depot credit card services. The customer representative told me that their security team has left a document on XXXX XXXX in my online home depot credit card account.
The document states that the home depot credit card security team ha
s rejected the fraudulent/unauthorized charged claim. And I am responsible for those charges.
I am requesting you to please looking into this matter and provide help as this transaction was made by someone else in some other state. I did my due diligence of reporting the fraud immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | PA | 194XX | null | Consent provided | Web | 12/11/24 | Closed with monetary relief | Yes | null | 11,108,203 |
12/15/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Problem getting a working replacement card | I applied and was approved for the XXXX XXXX XXXX card on XX/XX/year>. The card had a promo for XXXX XXXX XXXX miles for new customers when spending {$XXXX} within XXXX months of approval. It is now XX/XX/XXXX and i have yet to receive my credit card after at least XXXX calls with XXXX customer service and an escalated call with their XXXX. Here is my summary for the attenpts to receive my card : After the XXXX business days was well over for the initial receipt of card, I call customer service mid XXXX and was informed my card was never mailed out. The rep informed me they have no record of the mailing being sent out. They canceled the card and re-issued a new one, standard mail. End of XXXX, well after the standard timeframe that was provided for the replacement, the card did not arrive, I called customer service again and told the same thing, card was never shipped out, this time I was able to get the representative to expedite the card. They stated XXXX business days via XXXX. I waited XXXX or XXXX business days and still no card. Called customer service again and rep told me the same thing, requested to escalate and speak with their XXXX. Managers name was XXXX or XXXX and she informed me there was a note on my account for customer clarification but was unable to contact the mailing associate that noted my account for clarification and told me they were gone for the day. XXXX requested another expedited delivery of my card ( XXXX days via XXXX ) and told me she would call me XXXX days later to inform me of the status of my card ( whether mailed or not ) and what customer clarification was needed. The interaction with XXXX was held on XX/XX/XXXX. No phone call as I was promised and no card still! I was planning on using this credit card for my familys vacation and the balance used would have been enough to receive the XXXX XXXX XXXX promo. The vacation payment was due on XX/XX/XXXX and because I have not received my card that I was approved for since XX/XX/XXXX, another form of payment was used to fund the vacation. Very dissatisfied with the level of customer service received from the reps and management. XXXX attempts and still no card! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NC | 28027 | null | Consent provided | Web | 12/15/24 | Closed with non-monetary relief | Yes | null | 11,164,804 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay.
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my TransUnion, XXXX, and XXXX files that does not align with my actual payment records.
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information.
Truth in Lending Act ( TILA ) Violation : The reporting practices fail to meet TILA 's requirements for accurate credit reporting.
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.
Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages.
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint.
Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77084 | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,714,514 |
12/06/24 | Credit card | Store credit card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | A BestBuy ( citi ) credit card was opened in my name on or approximately XX/XX/year>. During this time 2 purchases were made for a total of {$2200.00}. At this same time a XXXXXXXX XXXX XXXX was opened in my name for approximately {$800.00}. I immediately reported both cards as fraudulent reporting they were not opened by me. XXXX found that it was fraud quickly and removed it from my credit report. BestBuy ( Citi ) has twice now denied my fraud claims. I've provided my information and license both in XXXX as well as end of XXXX on a second claim. This card had to have been open without my license because I did not lose my license. The investigation has continued to find that it was not fraudulent despite it clearly not being me who opened the cards. I advised that XXXX found it was fraudulent but that did not make a difference. I also advised at the same time I recently renewed my lease which could've lead to my information being available to any parties there. My credit score is now suffering because BestBuy / Citi and they will not properly investigate the claim. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | PA | 191XX | null | Consent provided | Web | 12/06/24 | Closed with monetary relief | Yes | null | 11,056,411 |
12/10/24 | Credit card | Store credit card | Fees or interest | Problem with fees | For the months of XXXX and XXXX I have contacted Citi Bank about my Home Depot credit card and the remaining promotional balance of my account. I requested multiple times the amount paid go towards the promotional balance of my account. The request was taken and applied to my knowledge. As to verify and confirm, at the beginning of XXXX, I called Citi Bank to verify the total amount that would need to be paid to complete the promotional balance on my account. The representative gave me the amount of {$2300.00}, which I paid. Now in XXXX I see I was charged for the interest on the promotion. I called Citi Bank and they told me that the representative in XXXX must have misspoke because I still have an amount on my promotional balance of {$310.00}. I informed them that I have been very attentive on this and why I called in to verify my payment and that the promotional balance would be paid in full after my payment of {$2300.00}. Citi Bank refused to make any changes to my account to correct the problem and even went as far as saying I would not be speaking with anyone else on the matter and I would have to fax or mail a letter. I find this whole situation very frustrating and disturbing. The fact I hold up my end of the bargain and pay exactly what I was informed to pay and still be charged for interest that is 100 % avoidable is egregious. It feels very illegal and should be investigated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 78634 | Servicemember | Consent provided | Web | 12/10/24 | Closed with monetary relief | Yes | null | 11,099,425 |
12/06/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Overcharged for something you did purchase with the card | I reserved a rental with XXXX XXXX for XX/XX/XXXX with a pickup time of XXXX local time. The estimate for this rental agreement was {$960.00} USD.
At XXXX local time I received an automated email with my rental agreement with an estimate of XXXX Euros ( {$960.00} USD ). I arrived at the rental counter at approximately XXXX local time, and I was instructed to go directly to the vehicle lot located on XXXX XXXX to retrieve the vehicle.
I was handed the keys to the vehicle and the pickup location of the vehicle. When we arrived at the lot to retrieve the vehicle, we found an XXXX representative standing by a partially closed garage door who took our keys out of a small XXXX envelope and handed those keys to me. She then pointed to the vehicle on the other side of XXXX XXXX and let us know that that was our XXXX. I proceeded to the XXXX and did a visual inspection of the vehicle, but the XXXX representative was gone and could not be found. I found considerable damage to the driver side of the vehicle which I took photos of.
We dropped off the vehicle on XX/XX/XXXX at approximately XXXX local time in the same location we picked up the vehicle which was outside of XXXX business hours. Since XXXX was unattended, we were unable to discuss the existing damage with anyone at XXXX. On XX/XX/XXXX at XXXX local time, I received an invoice from XXXX along with a document containing pictures of damage to the driver side bumper.
XXXX claims that I am responsible for the existing damage to the front driver bumper and valued the damage at XXXX Euros.
I opened case # XXXX with XXXX on XX/XX/XXXX related to this false claim and I am awaiting a resolution. I opened up the dispute with Citi for the amount of {$450.00} which is the difference between overall charges of {$1400.00} and the rental charges of {$960.00} USD for the vehicle.
XXXX has asked me on several occasions if I've opened a dispute with Citi while XXXX works on things on their side since it can take up to 90 days for them to resolve. Citi has not provided me the protections I expect to receive under our card holder agreement. Citi has refused to accept my dispute. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | LA | 711XX | Servicemember | Consent provided | Web | 12/06/24 | Closed with explanation | Yes | null | 11,059,256 |
11/01/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | XX/XX/year>2024 Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting.
To Whom It May Concern : I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year>2024 ), my requests have been ignored. This lack of response constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account is a breach of this legal obligation. Furthermore, according to 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least XXXX days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement.
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The persistent misreporting of late payments on my account has caused undue harm to my creditworthiness, a direct consequence of TILA 's protective intention.
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act highlights the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. The inaccurate late payment reporting on this account violates this consumer protection, impacting my financial standing unjustly.
Payment History and Errors Equifax shows an inaccurate XXXX-day late entry in XXXX, which I have previously disputed.
Lack of Resolution Since Previous Dispute I have submitted multiple disputes regarding these inaccuracies, yet there has been no corrective action taken by Equifax. This persistent inaction has continued to harm my credit standing and is a violation of both my consumer rights and the relevant federal statutes.
Desired Resolution Immediate Removal : I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report.
Written Confirmation : Please provide written confirmation of this correction.
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate regulatory agencies.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX/XXXX/2024 | null | EQUIFAX, INC. | UT | 84043 | null | Consent provided | Web | 11/01/24 | Closed with non-monetary relief | Yes | null | 10,654,439 |
12/03/24 | Credit reporting or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | Today, XX/XX/2024 - I logged into my TransUnion account through their website and paid {$0.00} to see my credit score. TransUnion stated that my debit card could not be used and to either use another card or reenter my card info. I reentered my debit card info and received the same message from TransUnion. I checked my bank account and there are two ( 2 ) identical charges from TransUnion for {$0.00} each. I checked my account on TransUnion and I still do not have access to my credit score. TransUnion 's website asks me to pay again but I refused to pay a 3rd time and instead contacted their support through their chat and chatted with a XXXX XXXX who said that consumers who paid the {$0.00} can not will not have access to their credit score for several days until the {$0.00} is no longer pending. That is NOT mentioned anywhere on TransUnion 's website and when I pointed that out to XXXX XXXX, his response was that it is 'implied ' that TransUnion will not provide services that have been paid for. XXXX also stated that there wasn't anything that TransUnion will do on their end and I have to contact my bank. TransUnion will not reverse their charges nor will they provide me my credit score that I paid twice for. That is fraud and unethical. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92563 | null | Consent provided | Web | 12/03/24 | Closed with non-monetary relief | Yes | null | 11,014,117 |
12/09/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am filing a complaint against XXXX for failing to validate the account XXXX on my credit report. Despite submitting a dispute and requesting verification over XXXX days ago, XXXX has not provided the legally required documentation within the XXXX period mandated by the Fair Credit Reporting Act ( FCRA ). This failure to validate and continued inaccurate reporting has negatively impacted my credit profile, causing financial harm and emotional distress.
Specific Violations Failure to Validate Debt Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Requires credit furnishers to verify disputed information within XXXX days. XXXX failed to provide proof of the account 's validity within this timeframe.
Impact : Continued reporting of this unverified account damages my XXXX XXXX and limits my access to credit opportunities.
Failure to Ensure Accurate Reporting Violation : FCRA XXXX ( b ) Obligation to maintain maximum possible accuracy. XXXX has reported information that can not be verified, violating this requirement.
Impact : Inaccurate reporting has resulted in higher interest rates, denials of credit, and financial hardship.
Failure to Delete Unverified Information Violation : FCRA XXXX ( a ) ( XXXX ) ( A ) Requires that any disputed item that can not be verified within XXXX days must be deleted from the credit report. XXXX has not removed this account despite failing to provide verification.
Impact : The accounts continued presence on my credit report has caused undue financial and emotional stress. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 10460 | null | Consent provided | Web | 12/09/24 | Closed with non-monetary relief | Yes | null | 11,091,815 |
12/08/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I purchased a XXXX XXXX XXXX on XX/XX/XXXX. The first payment was due on XX/XX/XXXX, which I paid. The issue I have is that the company has not deducted my payments from the balance and it looks as if I have not made any payment on this car. I have been given extensions, and have been charged late payments even if I pay earlier in the month.
I have been told that 11 payments were extended. I have asked for the extension paperwork which I have not received. Extensions were explained to me that they go on the back of the loan which extends the length of time that I pay for the car.
My issue is that the balance owed is incorrect, which makes it look as if I am not paying for the car. When I looked at my XXXX credit report it states incorrectly that I have only made one payment, since XXXX, which is not correct and the car would have been repossessed. I need this corrected on my credit reports to reflect that I have been making payments which should decrease the balance.
I am being contacted constantly by the company, but have not been able to speak to anyone higher than customer service to get this corrected. When I ask about the balance on the loan and why the payments are not being reported correctly as it should be going down, I am told about the daily interest, 11 extensions, late payments etc. That does not answer the questions I am asking.
I need the balance reported correctly as I have been paying on this loan since XXXX and it should not reflect the same amount as the beginning balance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | TX | 75068 | Older American | Consent provided | Web | 12/08/24 | Closed with explanation | Yes | null | 11,073,033 |
12/13/24 | Credit card | Store credit card | Closing your account | Company closed your account | XXXX XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Home Depot for Account Closure Without Proper Notification To Whom It May Concern, I am writing to formally lodge a complaint against Home Depot regarding the improper closure of my credit account and inadequate notification following their offer of a deferred no-interest payment plan to bring my account back on track. This action not only disrupted my financial planning but also appears to violate my rights as a consumer.
Background On XX/XX/XXXX, Home Depot offered me a deferred no-interest payment plan as a resolution to manage my account effectively. I agreed to this arrangement in good faith, believing it would help rectify any outstanding issues. However, on XX/XX/XXXX, I discovered that my account had been closed without receiving any prior notification or explanation from Home Depot.
This sudden account closure has negatively impacted my credit score and caused financial inconvenience. I believe Home Depot failed to act in good faith and did not comply with proper notification procedures, which I understand is a fundamental consumer right under the law.
Relevant Legal Precedent The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, establishes that consumers must be notified of adverse actions taken by creditors, including account closures. Furthermore, the Truth in Lending Act ( TILA ), 15 U.S.C. 1637 ( c ), requires creditors to provide clear and timely communication regarding significant changes to credit agreements.
Additionally, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the Supreme Court emphasized the importance of providing consumers with transparent notice regarding changes to credit agreements. Home Depot 's actions appear to violate these principles by failing to notify me adequately.
Request for Investigation and Resolution I request that the Consumer Financial Protection Bureau investigate Home Depots practices in this matter. Specifically, I ask for the following : An explanation from Home Depot regarding the decision to close my account.
Evidence of any notifications sent to me regarding the account closure.
Reinstatement of my account or removal of any negative credit impact caused by this action.
Assurance that Home Depot revises its notification procedures to comply with federal laws protecting consumer rights. I hope these materials provide sufficient evidence to support my complaint.
Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX for further information. I look forward to a prompt resolution.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 30213 | null | Consent provided | Web | 12/13/24 | Closed with explanation | Yes | null | 11,150,349 |
12/10/24 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | Sallie Mae has not been upfront with customers when it comes to their options, and has been using deceiving practices to continue generating revenue.
For 11 consecutive months, I called to ensure I was keeping my account current. I was often confused about the amount due on my account so I wanted to make sure I was paying the correct amount each month to keep them from reporting to the credit bureaus.
On these calls, agents would offer to check to see if I was eligible for any programs to lower my monthly payment of {$530.00} per month. I would be placed on hold just to be informed nothing was there. Every month, I was led to believe that there would be payment modification options available. Various agents advised me to check back periodically, as if maybe next time there would be something.
I discovered much later that sometime between XXXX XXXX XXXX, Sallie Mae adopted a new policy stating that all accounts were limited to two ( 2 ) program modifications over the life of the loan. None of the representatives I spoke with informed me of this policy change. It was later confirmed that back in XXXX, I was notified via email that my last program was ending. I was never told that it would be the last time I would be eligible for any programs.
Throughout my time paying Sallie Maes exorbitant monthly amount, I explored refinancing options with other banks. I hesitated to pursue these options because Sallie Maes representatives were presenting me with options that clearly did not exist.
Sallie Mae has done nothing to help, often sacrificing the mental health of their managers and supervisors instead of offering much needed relief to their customers. Even through the COVID-19 pandemic, there was no relief for me as a borrower and when l I discovered the dishonest tactics, the representative advised refinancing with a different company as a final option. These predatory loans are often sold to young working class individuals and Sallie Mae not only made it even more difficult for borrowers- they trained their staff to sell false hope. I spoke with over ten different people and they all followed the same script.
Below are notes taken from the first of three calls I decided to keep record of.
Notes from a recorded call placed on XX/XX/XXXX Customer service representative - XXXX ( spelling may not be correct ) XXXX At the time of call, I am 56 days past due with a past due amount of {$1500.00} This call was placed because of confusing information.
The question was - how many days past due will a late payment be reported to be credit?
XXXX XXXX XXXX XXXX ) Due date is the XXXX of each month + 5 day grace period after which late fee of {$25.00} is assessed Payment scheduled on the previous call was scheduled for the XXXX of XXXX ( XXXX ) The representative is not sure who I spoke with ( XXXX ) The representative is not sure where XXXX payment date came from ( XXXX ) I ask how I can get back into program to reduce or modify payments Representative DOES NOT mention that I am not eligible for ( XXXX ) I ask to escalate the call to a manager or supervisor Call was not escalated ; that request was ignored ( XXXX ) The representative informs me that the last program I was on was called a XXXX, meaning I was only paying down interest, not the principal amount.
Call ends after XXXX with no resolution | Company believes it acted appropriately as authorized by contract or law | SLM CORPORATION | MD | 21230 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,100,607 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights.
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report.
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights.
I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 279XX | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,809,470 |
11/15/24 | Credit reporting or other personal consumer reports | Other personal consumer report | Improper use of your report | Reporting company used your report improperly | After more than XXXX years, in XXXX of this year, XXXX, a bill payment company, denied me access to their XXXX XXXX. XXXX was the agent of Pentagon Federal Credit Union. XXXX first said that the reason for the denial was that I had a prior XXXX XXXX XXXX. When that was shown to be an incorrect statement, they then said that the reason was that I had not provided a correct home address. A Pentagon Federal Credit Union disabused them of this notion. For the third reason, XXXX said that I was contacting them maliciously, although I have never sent any email to BillPay, and no such malicious contact was documented by Pentagon Federal Credit Union.
As may be seen in the attachments, I have asked them to document their claim, but both Pentagon Federal Credit Union have refused to do so. I notified Pentagon Federal Credit Union and XXXX XXXX XXXX, that I had withdrawn XXXX XXXX agency to handle my financial information including the creditors and the amount that I paid them, and they have refused to revoke the agency. I demanded that the information possessed by XXXX XXXX XXXX, be turned over to the Pentagon Federal Credit Union, and both XXXX, XXXX and Pentagon Federal Credit Union have intentionally refused to provide me the requested information. I asked Pentagon Federal Credit Union to provide specific information regarding the handling of my XXXX complaint, and they have refused to do so. Full documentation of my complaint is on the PDF file and the Word file attached to this complaint.
Both companies actions have interfered in my financial affairs and prevent me from making an adequate presentation of my complaint to your offices. As this matter may go further, I am asking that the information that I have requested from both XXXX, XXXX and Pentagon Federal Credit Union be provided to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | TX | 75089 | Older American, Servicemember | Consent provided | Web | 11/27/24 | Closed with non-monetary relief | Yes | null | 10,816,715 |
12/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | OK | 74012 | null | Consent provided | Web | 12/11/24 | Closed with explanation | Yes | null | 11,110,234 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have tried to update my address to a mailable address XXXX refused to complete the request by stating all history is suppose to be reported to my account that it shouldnt be reporting accurately. I called on XX/XX/XXXX at XXXX XXXX XXXX. I have the documents ready to submit for my change! This is a violation of the FCRA and he stating that I maybe telling the truth and he will not remove it although it is reporting inaccurately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29316 | Servicemember | Consent provided | Web | 11/15/24 | Closed with explanation | Yes | null | 10,809,635 |
12/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Macys/CBNA put a hard inquiry on my report without my knowledge or consent. I have opted out of all authorization and the company is still illegally reporting on my credit report. 15 USC 6802b PERMISSABLE PURPOSES | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | 30058 | null | Consent provided | Web | 12/16/24 | Closed with explanation | Yes | null | 11,178,168 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Received unsolicited financial product or insurance offers after opting out | I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90001 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,811,031 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of human trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.
Names XXXX XXXX XXXX XXXX XXXX XXXX Accounts ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX Remove these address ( es ) XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Employer ( XXXX ) XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 454XX | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,811,013 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | 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.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91737 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,812,016 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08021 | null | Consent provided | Web | 11/02/24 | Closed with non-monetary relief | Yes | null | 10,664,475 |
11/01/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | TX | 75070 | null | Consent provided | Web | 11/01/24 | Closed with explanation | Yes | null | 10,652,238 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S. Code 1681 Section 604 ( a ) ( 2 ) States that I have the right to privacy which has and still is constantly being violated 15 U.S. Code 1681 Section 604 A Section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions.
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11106 | null | Consent provided | Web | 11/02/24 | Closed with non-monetary relief | Yes | null | 10,663,479 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint with the case number being XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency , block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.
Account name : XXXX Account Number : XXXX Amount : {$380.00} Account Name : XXXX Account Number : XXXX Amount : {$2700.00} Account Name : XXXX XXXX Account Number XXXX XXXX Amount : {$350.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 770XX | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,813,367 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33613 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,808,758 |
11/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33312 | null | Consent provided | Web | 11/16/24 | Closed with non-monetary relief | Yes | null | 10,806,995 |
11/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/year> TransUnion I am disputing the following information on my credit report : **Creditor Name** : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX **Inaccuracy** : May have incorrect payment history or status.
Please investigate and correct the error as required under FCRA 611 and notify me of the results.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 24112 | null | Consent provided | Web | 11/16/24 | Closed with non-monetary relief | Yes | null | 10,807,022 |
12/12/24 | Credit card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | I lost my job and could not pay the well fargo credit card. they sued me and won. well fargo then took the money from checking account without my knowledge or warning. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 90813 | null | Consent provided | Web | 12/12/24 | Closed with explanation | Yes | null | 11,135,793 |
12/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX To Whom It May Concern, This Letter is in response to your recent claim that Validate Account Please ensure that all information is accurate has verified that the account they are reporting under my name is accurate.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.
Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX Cc : FTC _________________________________________ XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 28278 | null | Consent provided | Web | 12/06/24 | Closed with explanation | Yes | null | 11,047,588 |
11/26/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am requesting a form 1099-C for a charged off Citibank account XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | VA | 20120 | null | Consent provided | Web | 11/26/24 | Closed with non-monetary relief | Yes | null | 10,941,848 |
12/10/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I strongly dispute the validity of this account reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information as from my credit report to reflect the true status of the account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | MD | 20910 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,092,756 |
11/16/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I couldnt believe it when I saw incorrect accounts on my credit report tonight. Ive always monitored my report closely, but out of nowhere, discrepancies appeared. I even tried refreshing my browser, thinking it might be a technical issue, but the errors didnt go away. This has left me shaken, and Im requesting a detailed review of the documents I submitted to prevent this from happening again. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 17603 | null | Consent provided | Web | 11/16/24 | Closed with non-monetary relief | Yes | null | 10,806,972 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX.
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me.
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29485 | null | Consent provided | Web | 11/15/24 | Closed with non-monetary relief | Yes | null | 10,804,672 |
11/15/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23831 | null | Consent provided | Web | 11/15/24 | Closed with explanation | Yes | null | 10,815,740 |
12/14/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I paid this card off in XX/XX/2024 and havent used it at all recently. Out of nowhere, my credit score drops, and I receive a letter saying I owe money! They charged me a fee that I never consented to and then started adding interest on that fee they imposed. To make matters worse, they reported my account as delinquent to the credit bureaus! I havent even used the card! If they dont stop charging these fees and remove the false report submitted to the credit bureaus, I will pursue legal action. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | VA | 229XX | null | Consent provided | Web | 12/14/24 | Closed with explanation | Yes | null | 11,156,670 |
11/14/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I recently obtained a copy of my credit report and I discovered multiple inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have negatively impacted my life and credit health detrimentally. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90813 | null | Consent provided | Web | 11/14/24 | Closed with non-monetary relief | Yes | null | 10,778,820 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX.
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX - {$00.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85301 | null | Consent provided | Web | 11/13/24 | Closed with non-monetary relief | Yes | null | 10,779,692 |
12/10/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXXXXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a XXXX during periods in XXXX Thru XX/XX/year>. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXXXXXX XXXX XXXX XXXX and also a FTC report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | VA | 23222 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,093,327 |
11/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts :, Number : Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33326 | null | Consent provided | Web | 11/02/24 | Closed with explanation | Yes | null | 10,661,361 |
11/27/24 | Credit card | General-purpose credit card or charge card | Getting a credit card | Card opened without my consent or knowledge | A hard inquiry from Truist bank was put on my credit report on XX/XX/year>. A credit card was opened in my name on XX/XX/year> and sent out. Whoever applied for this account received the card in the mail but couldn't veirfy identity so the card was locked. This account needs to be further investigated and how does someone open an account without showing proper identity?! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | IN | 465XX | null | Consent provided | Web | 11/27/24 | Closed with explanation | Yes | null | 10,942,564 |
11/01/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint. | null | EQUIFAX, INC. | GA | 30318 | null | Consent provided | Web | 11/01/24 | In progress | Yes | null | 10,658,852 |
11/11/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | XX/XX/year> Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report ( XXXX XXXX Account ) Dear CFPB, I am writing to formally request a detailed description of the investigation process followed by your agencies regarding the disputed information on my credit report, specifically related to the XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer dispute.
Background and Discrepancies Upon reviewing my credit report, I noticed discrepancies in reporting late payments on the XXXXXXXX XXXX account. According to my records, payments were made on time, yet my credit report inaccurately reflects late payments on the following dates : TransUnion : Reports XXXX and XXXX late payments in XXXX and XXXX despite records showing on-time payments.
Account details show it was closed and " Canceled by credit grantor, '' but these late payments are inaccurately listed in the two-year payment history.
XXXX : Lists a XXXX late payment for XXXX, XXXX late payment for XXXX and XXXX late payment for XXXX which is incorrect according to the payment records.
The account status is marked as " XXXX, '' but the late payment notation is not supported by my payment history.
XXXX : Reflects XXXX, XXXX and XXXX late payments inaccurately for XXXX, XXXX and XXXX.
Last reported date was XX/XX/year>, with payment status inconsistencies despite timely payments.
This account has been reported inconsistently across the XXXX bureaus, with payment inaccuracies that conflict with my records. Despite previous disputes, there has been no correction to these discrepancies.
Request for Investigation and Supporting Documentation I request that your agencies conduct a full investigation into these discrepancies, correct the reporting errors, and update my report to reflect an accurate " Paid As Agreed, Never Late '' status for the XXXX XXXX account. Please provide a comprehensive description of your investigation process, detailing the procedures followed, as required under the FCRA.
Additionally, I am requesting that you provide the reasonable procedures used in verifying my account history, including mailing timelines for statements, as stipulated under 15 USC 1666 ( b ) and 15 USC 1637 ( b ).
Supporting Documentation I have attached the necessary documentation, including copies of my payment history, which demonstrate my adherence to timely payments. In the absence of verifiable proof to support the reported late payments, I expect prompt correction of this account status.
Conclusion Should the reporting agencies fail to provide proof or correct the inaccuracies, this will be considered a violation of the FCRA. I appreciate your prompt attention to this matter and expect a written response within XXXX XXXX
Thank you for your cooperation in maintaining accurate reporting standards.
Sincerely, XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33614 | null | Consent provided | Web | 11/11/24 | Closed with non-monetary relief | Yes | null | 10,751,420 |
11/27/24 | Credit card | Store credit card | Fees or interest | Charged too much interest | Star card. I was XXXX from military service in XXXX due to physical health concerns and financial difficulties. Consequently, I am unable to make payments on my credit card, despite my husband 's XXXX XXXX status. I have attempted to negotiate a lower interest rate, but my request was denied. The current outstanding balance is approximately {$12000.00}, with half of that amount attributed to interest charges. I ceased making payments in 2018, but the interest continues to accrue, and the credit card company is unwilling to work with me to find a resolution. My husband remains on XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Army and Air Force Exchange Service | AK | 99507 | Servicemember | Consent provided | Web | 12/09/24 | Closed with explanation | Yes | null | 10,946,231 |
11/30/24 | Student loan | Private student loan | Issue where my lender is my school | Cannot graduate, receive diploma, or get transcript due to money owed | I could not recieve XXXX for semester XX/XX/XXXX- XX/XX/XXXX arguing that i was not a fulltime student. I appealed it as im on XXXX, this got approved however XXXX said it was too late to change anything and recieve my XXXX because I have to pay my student account they can not approve my funds being released. I inquired on a payment plan and was rejected and told i have to pay it in full. The school went on strike for second semester. I was denied graduation in XX/XX/XXXX.
I was locked out of my student account and tried contacting XXXX numerous times without success.
Without getting into personal details in between this period and the following information below...
I am now applying to school again, was denied by XXXX stating that I owe my school money so my standing is insufficient.
I've contacted XXXX and they've stated that my transcript is on hold and I hsve to oay it in full - that they have denied me any payment program.
I am now having to pay back my national student loan and XXXX, which I can not afford.
I'm awaiting for the credit operations team to find someone who can assist me. However I'm being told the same thing over and over again. | Company believes the complaint provided an opportunity to answer consumer's questions | Gatestone & Co. International Inc. | null | XXXXX | null | Consent provided | Web | 11/30/24 | Closed with explanation | Yes | null | 10,973,799 |
11/13/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have notified your office multiple times about inaccurate accounts in pending litigation on my credit report, but I am still waiting for action. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07112 | null | Consent provided | Web | 11/13/24 | Closed with non-monetary relief | Yes | null | 10,780,897 |
12/06/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Problem with personal statement of dispute | CREDIT ACCEPTANCE CORPORATION has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. CREDIT ACCEPTANCE CORPORATION has faced mulitple accusations of such practices, as seen in Case No. 23 Civ. 0038 where the record notes : Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But CAC is often setting up consumers to fail. I am a direct victim of CREDIT ACCEPTANCE CORPORATIONs deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted CREDIT ACCEPTANCE CORPORATION and all three major credit bureaus ( XXXX, XXXX, XXXX ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but CREDIT ACCEPTANCE CORPORATIONs ongoing actions continue to suppress my financial consumer rights and harm my financial well-being. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | NJ | 088XX | null | Consent provided | Web | 12/06/24 | Closed with explanation | Yes | null | 11,057,554 |
12/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I XXXX XXXX have concerns, Continental Finance Company LLCs attempts to collect a debt in violation of the Uniform Commercial Code ( UCC ). The company claims to have transferred or sold a promissory note to a third party but continues to assert collection rights. Under UCC provisions, once a promissory note is transferred to a third party, the rights of a holder in due course can not be further transferred. This creates a break in the chain of title, invalidating the rights of Continental Finance Company LLC the third party to enforce or collect the debt. This is a Improper Transfer of the Note. The promissory note in question was transferred by Continental Finance Company LLC to a third party. The UCC prohibits further transfer of rights associated with a holder in due course, creating a break in the chain of title.Due to this break, neither Continental Finance Company LLC nor any subsequent transferee can legally enforce the note or claim the right to collect. Continental Finance Company LLC, directly or through an intermediary, has engaged in collection activities, including phone calls, letters, credit reporting. These actions were taken without sufficient proof of legal standing to enforce the debt.
The company has failed to demonstrate compliance with UCC provisions governing valid transfer and enforcement of the promissory note. This failure infringes on my rights as a consumer and subjects me to improper collection practices. Under the UCC the rights of a holder in due course are specific to the initial holder and can not be transferred to another party. Any break in the chain of title invalidates subsequent claims to enforce or collect on the note. Continental Finance Company LLCs actions violate these principles and my consumer protections under the UCC. I request that the CFPB Investigate Continental Finance Company LLCs compliance with UCC provisions regarding the transfer of promissory notes.Require Continental Finance Company LLC to cease all collection activities due to their lack of legal standing. Ensure that any derogatory credit reporting or adverse actions related to this invalid claim are reversed. Impose penalties or corrective measures to prevent further violations of this nature by Continental Finance Company LLL I request that the CFPB promptly address this matter and take action to uphold my consumer rights under UCC and PRIVACY ACT OF 1974 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Continental Finance Company, LLC | GA | XXXXX | null | Consent provided | Web | 12/02/24 | Closed with explanation | Yes | null | 11,000,588 |
12/07/24 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/XXXX, I purchased for my wife and I two XXXX XXXXXXXX XXXX refundable tickets. On XXXXXX/XX/XXXX, I placed a 24-hour " hold '' on a reservation for two XXXX XXXX ticket for XX/XX/XXXX XXXX The next day, I called XXXX and asked the agent to cancel the two XXXX XXXXickets XXXX apply the credits to the ost of the two XXXX XXXXickets, and charge my credit card for the difference in cost. I gave the agent my credit card number. He processed the transaction. After the transactions, I checked my wife 's and my XXXX account ( both online and via the XXXX XXXX ) and we were shown as being ticketed for the XXXX XXXXlight XXXX we has seat assignment for seats XXXX and XXXX, our XXXX had been canceled XXXX and no XXXX credits for those flights showed in the account. A check of the credit card showed we had also been charged {$300.00}. We were all set, or so we thought.
Two and a half months later, when we arrived at the airport on XX/XX/XXXX to check in, we awere told by the gate agent I could check in but there was no record of a ticket number for my wife. We accessed the XXXX XXXXpp which showed for flight " XXXX '' she was " Status : Ticketed '' for a ticket that was " Issued : XX/XX/XXXX ''. They did not care, they saw no ticket number and we were told my wife could not fly unless I paid {$3200.00} for a ticket for which an XXXX XXXXgent had already processed a purchase ( for {$680.00} ).
I have a phot of the App screen taken while at the counter showing her status as " ticketed ''. There system still had her seat reservation in place ( as well as her meal reservation ). Seat reservations can not be maintained if the reservation is on hold or has been ticketed and XXXX claims neither was in place.
The only explanation is there was a glitch in the processing of my payment for the two tickets. They payment for my wife 's ticket ( through credits and credit card charge ) did not get process properly and the ticket was showing as paid but no payments were recieved. But all that was invisible to us, it was a glitch in XXXX XXXX processing, yet XXXX, and Barclay 's Bank with whom the dispute was filed, are refusing to hold XXXX accountable for their error. And I am stuck with a {$3200.00} charge for a ticket which XXXX XXXXad already process the payment of such that the reservation showed as being " Ticketed ''. And in doing so, contradicts what XXXX XXXXndicates is possible with a seat reservation, that a seat had been reserved for XXXX months without it being on hold or paid for. Barclay 's has not, because it can not, explain why the evidence presented did not clearly demonstrate the {$3200.00} billing was a duplicate payment for a ticket that had previously been processed as " Ticketed ''. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NC | 28655 | Older American | Consent provided | Web | 12/07/24 | Closed with explanation | Yes | null | 11,068,995 |
11/28/24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NV | 89130 | null | Consent provided | Web | 11/28/24 | Closed with explanation | Yes | null | 10,959,803 |
12/02/24 | Credit card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | Timeline of Events : XX/XX/XXXX : The account was opened by myself and securitized for value by Wells Fargo & Company ; the securitization was done without my knowledge or consent.
I was not properly compensated for the securitization of the account, this constitutes a breach of fiduciary duties and contractual obligations.
XX/XX/XXXX : I issued the initial notarized presentment to Wells Fargo, requesting : Processing of an International Bill of Exchange ( IXXXX XXXX XXXXXXXX ) to settle the alleged outstanding balance.
A GAAP-compliant accounting detailing the accounts securitization, valuation, and associated tax liabilities.
Return of funds from prior payments and misclassified bond payments.
None of my request were honored, and no intelligent response was made by the company in correspondence to my notarized presentment.
XX/XX/XXXX : I issued a second notarized presentment ( Opportunity to Cure ), reiterating previous demands and giving Wells Fargo an additional 14 days to respond, along with an additional XXXX to offset the account.
I filed IRS Forms 56 ( Notice concerning fiduciary relationship ) and XXXX ( Power of Attorney ) to formally revoke Wells Fargos authority over the account and oversee tax matters related to the account.
XXXX XXXX, XXXX : Wells Fargo failed to provide any intelligent response to the claims or requested GAAP-compliant accounting.
A forensic audit revealed significant violations, including : Failure to disclose profits from the securitization and trading of the account on primary and secondary markets.
Inadequate reporting of taxes related to the Original Issue Discount ( OID ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | XXXXX | null | Consent provided | Web | 12/02/24 | Closed with non-monetary relief | Yes | null | 10,990,314 |
12/02/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | IL | 60411 | null | Consent provided | Web | 12/02/24 | Closed with explanation | Yes | null | 10,988,699 |
12/10/24 | Credit card | General-purpose credit card or charge card | Closing your account | Company closed your account | Complaint Against Wells Fargo for Unauthorized Credit Card Closure and Confiscation of Rewards Points Dear CFPB, I am writing to formally file a complaint against Wells Fargo Bank, N.AXXXX, regarding their abrupt and unjustified closure of my Bilt Rewards credit card and XXXX XXXX credit card accounts, and the confiscation of {$10000.00} worth of rewards points. This action was taken without notice, justification, or explanation, and has caused me financial and emotional distress. I request that the CFPB investigate this matter and take appropriate action to address Wells Fargos unfair practices.
Incident Details On XX/XX/year>, Wells Fargo closed my XXXX Rewards and XXXX XXXX credit card accounts without prior notice or communication. Furthermore, the bank confiscated rewards points I had rightfully earned, totaling {$10000.00}. I contacted Wells Fargo to seek clarification and resolution, but I was not provided with a satisfactory explanation or any recourse to recover my rewards or reopen my accounts.
Violations I believe Wells Fargos actions constitute violations of the following federal and Michigan state laws : Equal Credit Opportunity Act ( ECOA ) : Wells Fargos closure of my accounts without notice or justification may reflect discriminatory or unfair practices, especially if such closures disproportionately affect certain consumers.
Truth in Savings Act ( TISA ) : Wells Fargo failed to adhere to their own terms and conditions for managing credit card accounts and rewards programs. Their actions violate principles of transparency and fair disclosure.
Bank Secrecy Act ( BSA ) : If Wells Fargo claims compliance with BSA requirements, they must demonstrate that my accounts were closed due to legitimate, documented reasons. Failing to provide such evidence suggests an abuse of regulatory provisions.
Federal and State Contract Law : By confiscating my rewards points and closing my accounts without notice, Wells Fargo has breached the terms of its agreement with me. Such actions are in direct violation of the contracts governing my credit card accounts.
Michigan Consumer Protection Act ( MCPA ) : Wells Fargos arbitrary closure of my accounts constitutes an unfair and deceptive trade practice under Michigan law.
Michigan Uniform Commercial Code ( UCC ) Article 4 : Wells Fargos handling of my accounts and rewards violates standards of reasonable care and good faith under the UCC.
Requested Resolution To resolve this matter, I demand the following actions from Wells Fargo : Immediate reinstatement of my Bilt Rewards and XXXX XXXX credit card accounts.
Restoration of the {$10000.00} in rewards points that were wrongfully confiscated.
Compensation for any financial losses or inconvenience caused by these actions.
A written explanation detailing why these accounts were closed and assurances that such actions will not recur.
Legal Action Notice If Wells Fargo fails to comply with this resolution, I am prepared to pursue legal action under the Equal Credit Opportunity Act, Truth in Savings Act, Bank Secrecy Act, federal and state contract law, the Michigan Consumer Protection Act, and the Michigan Uniform Commercial Code. Additionally, I will escalate this complaint to other regulatory bodies as necessary.
I request that the CFPB investigate this matter promptly and hold Wells Fargo accountable for their unfair and unjustified practices. Please feel free to contact me for further information or documentation to support my claims.
Thank you for your attention to this urgent matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MI | 48009 | null | Consent provided | Web | 12/10/24 | Closed with explanation | Yes | null | 11,098,911 |
11/07/24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.
These companies have refused to do work on disputes even though they're required by the law to do so.
Account Name : XXXX XXXX Account Number : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 069XX | null | Consent provided | Web | 11/07/24 | Closed with non-monetary relief | Yes | null | 10,720,410 |
12/18/24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.
Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 070XX | null | Consent provided | Web | 12/18/24 | Closed with explanation | Yes | null | 11,209,930 |
12/05/24 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | After numerous attempts to reverse a transfer that was made in error from my checking to credit card account. I was forced to close my accounts. I was mocked. Laughed at, and berated by Citibank. All of this while my card was enrolled in a disaster program. No payments were due. Numerous calls to supervisors escalated inquiries and countless fill up and they did not reverse the XXXX to my checking account. Today I was told it was denied again because payment is coming due. But no payment is due as its in disaster recovery and the {$400.00} should be reversed to my checking account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 34786 | null | Consent provided | Web | 12/05/24 | Closed with explanation | Yes | null | 11,026,862 |
Subsets and Splits