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2019-03-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Wife received phone call from XXXX XXXX claiming an old XXXX bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 XXXX placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to XXXX XXXX and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from XXXX. Mid XXXX after the 30 Day sent another letter for XXXX to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated. XXXX XXXX, XXXX and Experian all used the actual E-Oscar Verify which always shows an amount is verified. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 225XX | Servicemember | Consent provided | Web | 2019-03-26 | Closed with non-monetary relief | Yes | null | 3,191,472 |
2023-09-11 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXX, I began my job at XXXX XXXX XXXX as the Excellence in Banking Director. I left my job as Chairman, President and CEO of the XXXX XXXX XXXX XXXX, Texas region. I lived at XXXX XXXX XXXX in XXXX and had a XXXX XXXX XXXX that was installed in XXXX. XXXX XXXX XXXX my successor bought my home and we called XXXX and they agreed to transfer the billing to him as he would keep the equipment. We did exactly as instructed and he is still with XXXX today. In XX/XX/XXXX, a collection was filed in the amount of {$550.00} with the credit bureau 's by Zions Debt Holdings, who received the collection from XXXX, who received the collection from XXXX. XXXX never closed out my account even though they made the transfer to XXXX XXXX XXXX. XXXX has never missed receiving payment for their service at XXXXXXXX XXXX since XXXX. I have spent over 3 hours only to be run in circles even though XXXX acknowledges the debt is not owed. My credit score has dropped from my perfect XXXX to around XXXX and I could let this roll off in a couple of years, but their behavior is wrong, both morally and in my opinion legally. Given this experience and their response to me trying to do the right thing, I believe you will find countless other people that XXXX is trying to fraudulently collect money from. I look forward to visiting with anyone about this manner.
Take care.
XXXX | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Zions Debt Holdings | TX | 790XX | Older American | Consent provided | Web | 2023-09-11 | Closed with explanation | Yes | null | 7,533,272 |
2021-10-19 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on M J ALTMAN COMPANIES I ( Original creditor XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | MJ Altman Companies, Inc. | FL | 34476 | null | Consent provided | Web | 2021-10-28 | Closed with explanation | Yes | null | 4,824,939 |
2022-10-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am appalled by the lack of responsibility on the Credit reporting Agencies ' behalf. When will the Credit reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Credit Reporting Agencies has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the following accounts and verify if the information they report are accurate, if not, have the accounts DELETED AS SOON AS POSSIBLE : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 78613 | null | Consent provided | Web | 2022-10-03 | Closed with non-monetary relief | Yes | null | 6,042,491 |
2022-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | my mortgage is with XXXX XXXX XXXX XXXX since XXXX of XXXX I have never heard of XXXX XXXX XXXX XXXX XXXX ( please see screen shot of my Experian credit account attached ) Please delete this false, erroneous & harmful information from my credit profile as soon as possible as this not only incorrect but is also impacting me in a negatively as I can potentially be denied employment and or housing do this affecting and impacting my credit so profoundly. thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | HI | 967XX | null | Consent provided | Web | 2022-07-26 | Closed with explanation | Yes | null | 5,813,333 |
2017-06-01 | Vehicle loan or lease | Lease | Incorrect information on your report | Account information incorrect | This account was written off fro m Ally Financial ... It needs to be removed from all XXXX of my credit reporting bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | NJ | 08831 | null | Consent provided | Web | 2017-06-01 | Closed with explanation | Yes | null | 2,498,750 |
2022-10-27 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | XX/XX/XXXX - called Aidvantage to request refund of payments made during forebearance. XXXX approval for about {$9500.00}. Told I would receive check in XXXX weeks XX/XX/XXXX - called Aidvantage for update. Refund was processed on XX/XX/XXXX and would take XXXX weeks to receive refund.
XX/XX/XXXX - called Aidvantage for update. They've done " all they can '' on their end, and now need to wait for government/treasury to cut check. Will not know how long it takes until my balance is updated in their system. From there, will take XXXX weeks to receive a check. | null | Maximus Education, LLC dba Aidvantage | IL | 60156 | null | Consent provided | Web | 2022-10-27 | Closed with explanation | Yes | null | 6,137,226 |
2023-05-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my XXXX XXXX Credit Card. I submitted a dispute for this charge via the XXXX website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, XXXX continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, XXXX fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and XXXX admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. XXXX fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing. | null | EQUIFAX, INC. | CA | 900XX | null | Consent provided | Web | 2023-05-21 | Closed with non-monetary relief | Yes | null | 7,006,989 |
2021-02-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Credit Inquiries- I've called and advised them many times that these credit inquiries with no credit history status does not belongs to me. I asked if they can remove the inquiries I was told No. As the consumer I have the legal rights to demand removal if and indeed these accounts does not belongs to me. | null | EQUIFAX, INC. | GA | 31520 | null | Consent provided | Web | 2021-02-21 | Closed with explanation | Yes | null | 4,155,178 |
2023-05-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have a fraudulent accounts on my credit report, which I reported it to BANK OF AMERICA, yet BANK OF AMERICA is not removing these fraudulent accounts. BANK OF AMERICA has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet BANK OF AMERICA has refused to do this. The followings are the fraudulent accounts : BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$36000.00} and BANK OF AMERICA XXXX opened XX/XX/2017 Balance {$49000.00} which were open at an address where I have never lived at and it has nothing to do with me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91605 | null | Consent provided | Web | 2023-05-10 | Closed with explanation | Yes | null | 6,960,641 |
2019-12-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
I demand the following accounts be verified or removed immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33496 | null | Consent provided | Web | 2019-12-13 | Closed with explanation | Yes | null | 3,467,486 |
2019-03-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made. | null | JPMORGAN CHASE & CO. | TX | XXXXX | null | Consent provided | Web | 2019-03-15 | Closed with explanation | Yes | null | 3,180,383 |
2019-12-11 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | XX/XX/2019, I contacted Navient for my Son 's private Student Loan.
II borrowed XXXX and now the Interest is so high it is triple now.
I always call every month to pay. On XX/XX/XXXX and also in XXXX and XXXX, I had called to make sure payments were processed, on Two occasions when I called in XXXX, 2019 and XX/XX/2019, The representative stated My payments were current and I did not owe any money until the following Month ....
So I noticed an email the very next day in XXXX, after making two payments to get caught up ... .and over the phone the representative said, " You are current '' nothing is due until next month ... ..
So same thing happened in XX/XX/2019. I gave a payment over the phone.
The next day and over the phone I continued to have emails, and phone calls stating that i owe two payments ... ..When the Rep said, I was caught up.
So I called them back to speak with a Manager, and the Manager stated that they never received my payment. I gave them my payment over the phone and they said, I was caught up. I checked my bank account, but the payment was never taken.
So I had to call them back in XXXX and do everything all over again ... ..Because the previous payment was never processed. In XXXX, I made two payments and they did go through ... ... but they stated that I still owed them money even though they Explained " I was all caught up ''. Then emails and phone calls keep coming in saying I did not pay. Thank you. XXXX XXXX | null | Navient Solutions, LLC. | VA | 20165 | Older American | Consent provided | Web | 2019-12-11 | Closed with explanation | Yes | null | 3,465,007 |
2023-01-24 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I applied for Chase XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX got denied, they said A prior credit card or deposit account was closed by Chase.
I applied for Chase CHASE XXXX XXXX on XX/XX/XXXX got denied, they said A prior credit card or deposit account was closed by Chase.
I request recondiation but every time they just ask me verify again and again, then denied again and again, I don't know what they are doing?
Please check | null | JPMORGAN CHASE & CO. | NY | XXXXX | Servicemember | Consent provided | Web | 2023-01-24 | Closed with explanation | Yes | null | 6,478,283 |
2019-09-09 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | My debit card along with my wallet and cellphone was lost in an XXXX after an evening out. Someone used my card over 2 days and the charges totaled an astronomical amount. I had to get a replacement cellphone but was able to call the bank from my home phone. I reported the theft and I was told that my card was used and several unauthorized charges had gone through. I was assured that the bank would fight on my behalf and follow the Federal Regulation E that protects consumers. What is upsetting about all of this outside of my money being stolen, is the bank not sending any emails or calling my secondary number to confirm the identity of the person they spoke with. I was told that robocalls were made, and since someone had access to my cell phone they clearly spoke with the imposter, and instead of taking responsibility for their poor customer service and mistake they are blaming me and forcing me to lose out on thousands, but to also be responsible for theft of my funds when they had the power to stop it or prevent it. FDIC protects them and the CFPD and The Federal Reserve protects me The bank then, within days refused to provide promised provisional credit and to do an actual investigation on the dispute/ fraud claim. The bank did not reach out to any merchants to dispute these charges. Instead, they decided to just cancel my account and block my business and personal accounts. Despite the risk or anything else that has happened in my account The Federal Reserve and more specifically Federal Regulation E protects me and consumers like me from banks making discriminatory decisions without actual evidence. As a consumer, I am unbothered by anything you may have come across because I am a victim in this matter/case and I'm being treated like a guilty party!
By Law, I am allowed to request all documents used to help you find any decision your bank has made. In my case, I'm formally requesting those documents be mailed to me as soon as possible. I'm sure the bank doesn't have such documents because they did not dispute the charges, they harshly decided to put me at fault and close the account.
This has only added to my XXXX XXXX XXXX, XXXX, and XXXX and has caused me much financial stress and hardship. I will be put out of my apt because my rent money was apart of the funds taken out of my account via unauthorized charge. NBAZ 's lack of compassion and empathy have really crossed the line. The tellers in the actual banks in Central XXXX and XXXX are nice and very on top of things, but disputes and fraud and the call center couldn't care less about customers. I am willing to escalate that to the highest level because this entire situation is unacceptable. I forgot to add that throughout the entire situation the call center refused to speak to me, even now they refuse and I've gone to the bank and had tellers call, only to be given NO information. THe lack of communication is an issue too. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ZIONS BANCORPORATION | AZ | 85392 | null | Consent provided | Web | 2019-09-09 | Closed with explanation | Yes | null | 3,368,351 |
2022-10-30 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | Diversified Adjustment Account # XXXX. original XXXX Opened XX/XX/2022 Amount Dept {$310.00} The Diversified Adjustment collection agency try to collect the same amount of {$310.00} opened XX/XX/2022 I did not open any account with XXXX on XX/XX/2022 This XXXX Account was disputed as a fraud on Report XXXX by XXXX. XXXX XXXX on XXXX, 2022 the amount of {$310.00} I files a Complaint amount the XXXX. XXXX XXXX and XXXX on XX/XX/2022 here are the Numbers : Complain # ID XXXX on XX/XX/2022 Second Complain # ID XXXX on XX/XX/2022 The manners of this XXXX Account are Fraud my information is inaccurate I did not opened any account with XXXX ion 2022 I did not have any mobile phone with XXXX Phone company... | Company believes it acted appropriately as authorized by contract or law | Diversified Adjustment Service, Inc. | WA | 99216 | Older American | Consent provided | Web | 2022-10-30 | Closed with explanation | Yes | null | 6,143,150 |
2016-02-28 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt resulted from identity theft | I 'm a victim of identity theft and someone open lots account in my name and I do n't no any thing about this account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | NY | 11203 | null | Consent provided | Web | 2016-02-28 | Closed with explanation | Yes | No | 1,807,857 |
2023-06-06 | Checking or savings account | Other banking product or service | Managing an account | Problem using a debit or ATM card | I ordered a visa debt card with Bank of America and I tried to tell them that I want a design in my name only but they tell me no you can't because a family member has to get it as well I tried to tell them she does not want it she likes the default card I like to use the XXXX XXXX XXXX and they still never fixed my issue | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MO | 63125 | null | Consent provided | Web | 2023-06-06 | Closed with explanation | Yes | null | 7,078,803 |
2022-12-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
XXXX XXXX XXXX XXXX XXXX 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 | 304XX | null | Consent provided | Web | 2022-12-22 | Closed with non-monetary relief | Yes | null | 6,347,202 |
2021-11-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/2021 experian was sent a notice requesting validation of a debt they are fraudulently reporting The account in question is XXXX Account number XXXX {$1000.00}.
Experian was given 30 days to provide concrete evidence and all documentation proving the validation of this debt.
Experian did not provide evidence or any documentation that was requested and is in violation of the FCRA and FDCPA when you can not furnish the validity of the remark. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92651 | null | Consent provided | Web | 2021-11-17 | Closed with non-monetary relief | Yes | null | 4,919,749 |
2016-12-08 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | I previously disputed an item appearing on my credit report as identity theft. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again.
The disputed account is : Prosper Marketplace - Acct # XXXX .... | null | Prosper Marketplace, Inc. | TX | 78230 | null | Consent provided | Web | 2016-12-09 | Closed with explanation | Yes | Yes | 2,241,825 |
2019-06-21 | Checking or savings account | Checking account | Managing an account | Banking errors | I needed to move money to my house mate. Despite using XXXX with another bank I am limited on capital one. I only could only send small increments or XXXX would put a hold on the funds. I tried sending XXXX XXXX dollars and it wad held so long i had to call to have the transfer cancelled. After that hangup i started just sending smaller amounts ( which was very inconvenient ). All of this was happening around the time XXXX was " officially '' malfunctioning. Since I had to break up transfers it made there be more of them. Some where in there XXXX or Capital One mishandled a {$100.00} XXXX payment to my house mate. Over 2 months later out of no where I receive an email stating a withdrawal was started for {$100.00}. I called immediately to find out who was trying to take money. CAPITAL ONE told me they had no idea. After multiple calls, all saying they had no idea what was going on ; they told me to call back the following day ( which would be after my overdraft grace period ). After the charge and overdraft hit my account I was then told this was due to a XXXX error. No fee was waived. I was offered to put in a ticket to investigate the issue ( which is pointless when all of this was done behind the scenes, I was never alerted prior so I could resolve it ). The investigation of found no issue on their part and they referred me to XXXX. This type of behavior needs to be looked into. It's one thing to have a glitch with a company you partner with but it's not fair to then charge customers a service fee for a glitch. Especially when numerous calls were made in prior to posting to resolve this. | null | CAPITAL ONE FINANCIAL CORPORATION | SC | 292XX | null | Consent provided | Web | 2019-06-21 | Closed with monetary relief | Yes | null | 3,283,084 |
2023-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXX.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX , XXXX & XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX | null | EQUIFAX, INC. | PA | 17022 | null | Consent provided | Web | 2023-02-13 | Closed with explanation | Yes | null | 6,566,023 |
2019-01-09 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | Creditor is reporting accounts that are invalid and unverified. TransUnion have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 078XX | null | Consent provided | Web | 2019-01-24 | Closed with explanation | Yes | null | 3,120,203 |
2022-02-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX allege account XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28348 | null | Consent provided | Web | 2022-02-27 | Closed with non-monetary relief | Yes | null | 5,266,620 |
2022-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Experian has made claims to have verified an item on my credit report with XXXX XXXX and the items is not even showing on my consumer report with XXXX XXXX because it has been removed by them because they also could not verify the item.
I have written confirmation from everyone they have listed on my credit report and on their website as their source used to verify this data and none of which agrees with Experians claims and/or statements. These sources include, The Michigan Bankruptcy Court and XXXX XXXX. I contacted them directly and their responses are attached.
The item XXXX XXXX XXXX XXXX XXXX needs to be removed per the FCRA 15 USC S 1681 est seq. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48235 | null | Consent provided | Web | 2022-02-24 | Closed with explanation | Yes | null | 5,257,282 |
2020-09-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you. | null | EQUIFAX, INC. | WA | 98021 | null | Consent provided | Web | 2020-09-30 | Closed with explanation | Yes | null | 3,874,637 |
2022-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 27610 | null | Consent provided | Web | 2022-03-07 | Closed with non-monetary relief | Yes | null | 5,292,310 |
2023-01-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30328 | null | Consent provided | Web | 2023-01-26 | Closed with explanation | Yes | null | 6,492,974 |
2021-11-28 | Credit card or prepaid card | Store credit card | Closing your account | Company closed your account | On XX/XX/2021, my credit card has been closed due to inactivity. I called my provider on XX/XX/2021 requesting to reactivate my card. They said, No we can't. However, the credit card agreement does not mention anything about reactivation not being allowed. I had this card for almost 4 years and Oldnavy Synchrony does not help on resolving the issue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 77449 | null | Consent provided | Web | 2021-11-28 | Closed with explanation | Yes | null | 4,952,931 |
2022-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting act : XXXX XXXX account # XXXX XXXX XXXX Account # XXXX XXXX account # XXXXXXXX XXXX XXXX Account # XXXX Has validate my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30315 | Servicemember | Consent provided | Web | 2022-08-15 | Closed with non-monetary relief | Yes | null | 5,880,091 |
2020-12-08 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/20 XXXX XXXX XXXX charged {$1900.00} to my credit card. Since I didn't rent nor authorize anyone to rent after XX/XX/20 I called Capital One, I was given a refund. Then I was rebilled. I kept emailing XXXX. First I was told by XXXX there was no record of {$1900.00} being paid by Capital One. I kept insisting until I was told that the charges were for rental from XX/XX/20 to XX/XX/20.I have been fighting both XXXX & Capital One.
My son XXXX XXXX was an authorized user on my account and, since he couldn't word due to the pandemic, I authorized 2 rentals for him ; Capital One paid XXXX {$470.00} on XX/XX/20 and {$430.00} on XX/XX/20. On XX/XX/20 Capital One emailed me that 2 charges from XXXX were declined ; since I didn't authorize those charges, I removed the authorized user from my account and cut his car up into small pieces but that didn't stop Capital One from paying XXXX {$1900.00}. XXXX even though the account # was entered manually. To add insult to injury, Capital One emailed me on XX/XX/20 that a charge from XXXX to that same non-existing card was declined but the next day {$440.00} appeared on my account. This is outrageous and very unfair. Today I got an email from XXXX and XXXX XXXX stated that the XXXX was reversed. Even though I'm still disputing the charges, Capital One charged me interests and withdrew {$300.00} from my checking in XXXX and XXXX because I'm on automatic payments. PLEASE HELP ME. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 90043 | Older American | Consent provided | Web | 2020-12-08 | Closed with explanation | Yes | null | 3,998,205 |
2018-12-27 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I setup a payment plan in XX/XX/XXXX. The payment schedule they agreed to, was never properly followed by Conns. They withdrew monies that went against our arrangements.
I made an initial payment to them, and I received another settlement offer, despite being on a payment plan.
I called in XXXX to schedule an arrangement for {$50.00} per month beginning XX/XX/XXXX. Instead of attempting to withdraw those funds for {$50.00} they attempted {$240.00}. They never even attempted to withdraw {$50.00}.
They have broken agreements and continued to send collection and settlement offers while my payment plan was in good standing.
I want to resolve this account, but it needs to be done in a way that is ethical and we are on the same page. I am at a point where I do not trust giving my financial information to them. | null | Conn's, Inc. | TX | 75067 | null | Consent provided | Web | 2019-01-08 | Closed with explanation | Yes | null | 3,110,167 |
2021-02-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | All three XXXX XXXX XXXX and the named Creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), are each refusing to coordinate the deletion of a derogatory credit item from my personal Credit Report that was erroneously incurred while on XXXX XXXX service. XXXX states that the decision rests with the CRAs. Each CRA claims that the Creditor must stop reporting the item. I have filed multiple disputes with each CRA and directly contacted the Creditor multiple times as well. The body of the complaint 's narrative below describes the specifics. All relevant supporting documentation ( which has been submitted to all CRAs and the Creditor XXXX is attached. I have attempted to remedy this situation myself via direct communication with all named parties and through the hiring of legal representation XXXX XXXX XXXX XXXX ).
I am formally disputing and requesting DELETION of the negative item being reported against my credit history by XXXX XXXX under account number listed in attached dispute letter. As evidenced by the enclosed XXXX Balance Letter ( enclosure 1 ), this account was paid in full on XXXX XX/XX/XXXX, but is reported as having been in collections since XXXX XXXXa full six months after the account was closed.XXXX XXXX Account was erroneously sent into collections after the account had been paid in full six months prior.
Prior to transferring service components, I established an automatic monthly allotment to ensure timely payment against the open account. However, I later discovered that the XXXX XXXX payroll system did not automatically carry over the allotment from my reserve payroll account. Upon learning this, I contacted XXXX XXXX to pay the account in full. I then learned that the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX automatically issued a single payment of {$490.00} to the creditor via direct recoupment of my paycheck once the delay between the XXXX XXXX and reserve payroll management systems had been reconciled. See my XX/XX/XXXX Leave and Earnings Statement ( LES ) ( enclosure 2 ).
Additionally, XXXX XXXX XXXXs in violation of the Fair Credit Reporting Act ( FCRA ) because I was not provided advance notice about any pending material modifications to my credit report/history. I did not receive any official correspondence from the creditor upon transferring to the XXXX XXXX component. Per the copies of the official XXXX XXXX orders ( enclosures 6a-6d ), I was enrolled in an intense military training program that required several short-notice relocationsduring an approximate 24 month timeframewhen XXXX XXXX sent the referenced account into collections.
Finally, I have directly sought resolution on multiple occasions with XXXX XXXX via assistance from the credit repair service, XXXX XXXX XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX demanded validation and removal of the negative credit item by utilizing its Notarized Intervention Process ( enclosure XXXX ). More than 60 days have elapsed, and XXXX XXXX, with the exception of furnishing a XXXX Balance Letter, has otherwise failed to provide an equitable response despite presentation of evidence supporting the mitigating circumstances associated with my case.
Frequent moves due to a demanding active duty military training program, lack of communication from the creditor and technical errors with the XXXX XXXX payroll management systems ultimately resulted in a situation beyond my control. By the time I learned what had happened, it was too late. The negative item was already being reported against accounts. Given this information, and the provided documentation, I request that the CRAs delete being reported by XXXX XXXX from my credit history.
XXXX ) XXXX XXXXXXXX XXXX XXXX Balance Letter XXXX ) Leave and Earning Statement ( XXXX XXXX XX/XX/XXXX XXXX ) Orders : a Reserve to Active Duty Notice b. Home of Record ( HOR ) to XXXX Training School XXXX XXXX XXXX c. XXXX to XXXX XXXX XXXX Notice of Termination of Pilot Training XXXX ) XXXX Law Notarized Intervention Letter XXXX ) Email Correspondence with XXXX XXXX ) Dispute Letters a XXXX XXXX Transunion XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 64093 | Servicemember | Consent provided | Web | 2021-02-01 | Closed with explanation | Yes | null | 4,108,881 |
2020-05-06 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | Back in 2017, I lost my job but was still making payments on my credit card. XXXX, I made a payment and for whatever reason, Comenity bank claims that the payment was not made but it was. The same incident happened the next month and my original credit with them was {$300.00} but because of this, it went up to {$1000.00}. I reached out to them and they told me it was my bank 's fault. I also told them that I was unemployed and could no longer make payments.Up until this point, nothing was done. I definitely owe them {$300.00} but I do not owe them the additional {$700.00} they are trying to charge me. | null | Bread Financial Holdings, Inc. | TX | XXXXX | null | Consent provided | Web | 2020-05-06 | Closed with explanation | Yes | null | 3,640,450 |
2021-01-18 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | This account is not accurate CONVERGENT OUTSOURCING # XXXX. My bill was PAID IN FULL XX/XX/2021 directly to XXXX XXXX. I do not have any contracts with CONVERGENT OUTSOURCING. This account has no business being on my credit file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | OH | XXXXX | null | Consent provided | Web | 2021-01-18 | Closed with explanation | Yes | null | 4,075,299 |
2022-05-04 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I was sent several invitation letters by Discover Credit Card. Each time I have applied I was denied. This has resulted in several hard pulls. I would like the following removed.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX | null | DISCOVER BANK | NV | 89147 | null | Consent provided | Web | 2022-05-04 | Closed with explanation | Yes | null | 5,539,248 |
2017-09-20 | Student loan | Private student loan | Dealing with your lender or servicer | Trouble with how payments are being handled | I mailed in onXX/XX/XXXX TWO payments money orders as they will not take a payment online, will not mail a statement, will not take a payment online. I do not get balances or receipts of payments or invoices. I have fought them for 2 years now to get it even listed on the website but yet cant pay on there and it says no payment due and no statements even on there.
I mail in the payments on the two subloans.
{$250.00} to one student loan - call XXXX XXXX can see status of payment loan XXXX XXXX {$250.00} to the other student loan - loan XXXX XXXX XX/XX/XXXX they process the one and today XX/XX/XXXX they claim they NEVER got the other one its a money order the only way I can pay them and its now lost they claim. So I am OUT of {$250.00} plus costs to get it mailed to them, late on payment and paid taxes on that income.
This is not the first time this has happened. I cant pay online I cant pay any other way.
How can they get one and not get the other to the exact same location at the exact same time!!!? I call I get transferred around and around and told pay the full balance now.
Agreement is {$75.00} a month and I am paying {$250.00}. I cant pay this off if I had cash sitting in my hand to save my life! Yet its damaging my credit I cant buy a house with these two scars on my credit yet nothing is late for years. | null | DISCOVER BANK | MI | 48092 | null | Consent provided | Web | 2017-09-20 | Closed with explanation | Yes | null | 2,679,377 |
2023-07-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90620 | null | Consent provided | Web | 2023-07-19 | Closed with explanation | Yes | null | 7,268,167 |
2023-03-07 | Debt collection | Other debt | Communication tactics | You told them to stop contacting you, but they keep trying | I am the agent acting on behalf of the principal of this account. Pursuant to 15 USC 1692c ( c ) I am hereby ordering Convergent Outsourcing to cease any further communication regarding this account immediately. According to 15 USC 1692a ( 2 ), the term " communication '' means conveying information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " any medium '' includes oral, written, electronic, or other mediums. Therefore, furnishing a consumer report bearing information regarding a debt will amount to communication from Convergent Outsourcing per the Fair Debt Collection Practices Act.
Any further communication from your company, except a communication, confirming your acknowledgment of this notice violates the Fair Debt Collection Practices Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | DE | 19805 | null | Consent provided | Web | 2023-03-07 | Closed with explanation | Yes | null | 6,662,030 |
2023-03-28 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | I do not know Lockhart, Morris & Montgomery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, nor have I ever done business with them. Still they call and use abusive language and threats. Every single month they post new collection accounts to my credit account that degrade my credit score despite a dispute in place. I have asked XXXX to stop posting the bogus hits on my credit but they refuse. | Company believes it acted appropriately as authorized by contract or law | Lockhart, Morris & Montgomery Inc. | TX | 75904 | null | Consent provided | Web | 2023-03-28 | Closed with explanation | Yes | null | 6,765,470 |
2022-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # ( Original Creditor ) XXXX Account # ( Original Creditor ) XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX XXXXXXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. The alleged obligation must be referred to the United States for collection of said obligation [ per 18 USC 8 ], not to me. 2. This reporting has not been permitted or ordered by any court, and is consequently being done in violation of [ 15 USC 1681b ]. Any agreements alleging to give permission to report or furnish a report are hereby rescinded for reason of a mistake being made under duress. 3. The debt collector has no wet ink signature of mine showing any agreement to any obligation to engage with me for any reason. They do not have permission to have acquired my location information or any other pieces of Personal Identification Information. Any alleged permission obtained by my signature is hereby rescinded for reason of a mistake being made under duress. | null | EQUIFAX, INC. | AR | 72401 | Servicemember | Consent provided | Web | 2022-03-21 | Closed with explanation | Yes | null | 5,344,515 |
2022-06-15 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with customer service | We have had Citi Credit Cards for years. We have attempted three times to allow us to get notifications on our account ( mobile alerts, spend limits, due dates, etc. ) to little avail. After hours of hold times, the feature ( s ) will be turned on only to be later disabled by Citi. This is extremely frustrating as we, as consumers, simply want the features and benefits of those alerts for our family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MN | 554XX | null | Consent provided | Web | 2022-06-15 | Closed with explanation | Yes | null | 5,676,160 |
2023-05-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 21117 | null | Consent provided | Web | 2023-05-24 | Closed with explanation | Yes | null | 7,016,257 |
2023-06-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted dispute with both XXXX and Experian invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 34744 | null | Consent provided | Web | 2023-06-27 | Closed with explanation | Yes | null | 7,172,267 |
2020-12-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, MICROBILT CORPORATION add a hard inquiry on my credit report per XXXX.
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. | null | MicroBilt / PRBC (formerly CL Verify) | CA | 91423 | null | Consent provided | Web | 2021-01-13 | Closed with explanation | Yes | null | 4,034,795 |
2023-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. | null | Experian Information Solutions Inc. | GA | 30311 | null | Consent provided | Web | 2023-08-10 | In progress | Yes | null | 7,373,604 |
2022-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | null | EQUIFAX, INC. | MS | 386XX | null | Consent provided | Web | 2022-05-18 | Closed with explanation | Yes | null | 5,575,487 |
2016-10-26 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | i am just recently seeing new things on my credit history i am unfamiliar with, its is false and harming my credit situations and would like to have them removed do to company which is harrassing me | Company believes it acted appropriately as authorized by contract or law | Stellar Recovery, Inc. | GA | 30157 | null | Consent provided | Web | 2016-10-26 | Closed with explanation | Yes | No | 2,180,766 |
2022-06-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I submitted application through XXXX XXXX which advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report this inquiry is appearing as a hard inquiry that has resulted in a decrease in credit score that I did not authorize on XX/XX/2022. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NV | 89141 | null | Consent provided | Web | 2022-06-13 | Closed with explanation | Yes | null | 5,664,013 |
2022-09-09 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | Ive comtacted the company several times some items where removed but not all | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Radius Global Solutions LLC | NY | 10452 | null | Consent provided | Web | 2022-09-09 | Closed with explanation | Yes | null | 5,961,383 |
2023-02-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33179 | null | Consent provided | Web | 2023-02-20 | Closed with explanation | Yes | null | 6,592,884 |
2019-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify the account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible, thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07108 | null | Consent provided | Web | 2019-10-01 | Closed with explanation | Yes | null | 3,391,800 |
2023-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In accordance with the Fair Credit Reporting act they violated my rights.
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | null | EQUIFAX, INC. | WA | 98118 | null | Consent provided | Web | 2023-06-23 | Closed with explanation | Yes | null | 7,158,887 |
2020-05-27 | Debt collection | Mortgage debt | Took or threatened to take negative or legal action | Seized or attempted to seize your property | This is a continued " Phantom Debt '' to which is aided by heavy handed law firms aiding and abetting in stealing real property disguised as a " debt '' owed.
The Debt was with an entirely different lender named in the contract and under Contract law of California CCP 337 had expired many years ago. Despite the facts, the Attorney 's are forcing and aiding in theft by impersonating a " Fictiticious Debt '' owed to " Some entity '' that is not logically possible.
After having clearly been time barred under all applicable laws. The " Note '' was said to be revived and having contrary claims made, that again are impossible.
Despite the facts of a very old debt of which last payment was XXXX. A series of unlawful criminal felony acts were aided by shielding the true facts and using California 's non-judicial scope as the backdrop for the perfect crime of Grand Theft of Real Property.
The players are high level Attorney firms. Most are not even Registered in California.
This allows a series of threats to start out the process of which is a continuous aiding and abetting of federal crimes, including bringing Fraud on the Court by inserting made up facts ; fabricated fact patterns to aid inserting unrelated case law to persuade the Courts to have resulted in various parties, ( heavily backed by trillions of dollars ) to aid in the front liners of those parties being forced to enter the Courts.
Once enter the Courts, the Aiding and Abetting Attorney 's start the scheme to defraud the Court of Fabricated, and False Debt.
This scheme is disgustingly unscrupulous and has caused extreme harm, breaking and entering to cause tremendous terrorizing to me and my family, causing XXXX XXXX XXXX and then continues by the Attorney 's hired by said strong armed parties who persuade the Courts despite the laws are not used to Steal, only a disguised version of fabricated lies to the Courts ; and lies to the Regulatory Agencies to cause massive harm to our entire society.
This is revolving around a XXXX PONZI Scheme PLAYERS ARE NOW IN FEDERAL CUSTODY. These persons introduced an agent, XXXX XXXX of XXXX XXXX XXXX XXXX to who set me up and forged my signature on loans and TILA ; and lied about my XXXX properties at the same time in XX/XX/XXXX resulting in refinances of XXXX properties in Southern California.
At the same time XXXX admitted these had " No ability to Perform '' and would rewrite the notes. This resulted in four shockingly hidden balances accrued and new agreements in XXXX informed to Not Pay to allow a revision, at same time XXXX was being sued by CA. DOJ.
Despite the expected loans to be able to perform. XXXX called Due all loans by acceleration, According to provisions of the Deed of Trust item # XXXX.
Then, XXXX stated they were lender taking over. This turned out to be lie. XXXX lied for about XXXX years straight, causing extreme harm by the continued lies and extortion to steal more money under false pretenses. Now underlying was a slew of falsities on each of the loan documents, and this has been a nightmare every single day since XXXX.
In XXXX XXXX, a Notice of Default was filed no other lenders named, only XXXX.
Despite this as a fact. In XXXX XXXX XXXX XXXX took over XXXX XXXX ; and XXXX XXXX XXXX as servicer take over for XXXX said that XXXX has now reappeared in XX/XX/XXXX and sold to XXXX XXXX. That each claim on public records is completely non sense. On XXXX XXXX XXXX " All nonperforming Assets '' went into a Chapter 11 Bankruptcy later resolved as unsecured debt, and discharged.
In XXXX XXXX and the FDIC stated my loan was NOT taken over by XXXX period.
It was a non performing Asset.
Despite XXXX XXXX being in Bankruptcy ; XXXX sold the NOTE to XXXX in XXXX and in XXXX.
Despite the contract having expired and been time barred under CA. CCP XXXX at XXXX years, more than XXXX years past and then in XXXX, I filed a Ch. XXXX bankruptcy and then in XXXX - XXXX was in a Chapter XXXX. I held all my rights to XXXX of my properties during the Chapter XXXX.
Then in XXXX forced to file a lawsuit after XXXX said they would cause a release of the time barred lien, after I hired an unethical Attorney in XXXX who failed to perform, stole funds from me and aided in this scheme to cause harm and profit from my injuries.
This caused me to sue Nationstar acting in a role of alleged Servicer FOR A FALSE XXXX XXXX CLAIM to own the XXXX XXXX XXXX by which expired all rights to enforce as it was time barred in XXXX at XXXX years, and then at XXXX XXXX XXXX years discharged debt.
Now, here since filing a lawsuit in XXXX to which Attorney 's acting in shameful manners to aid in false law and false facts ; despite the continued harassments of fraud by the attorneys aiding in WHICH IS CLEARLY FELONY ACTS stealing rights to my property by " Fraudulent documents '' recorded when clearly XXXX XXXX WOULD NOT THIS COULD NOT BE TRUE OR POSSIBLE. DESPITE THIS, EACH COMPLAINT FILED is answered with the same lying Attorney firms that are the cause of the crimes being done. XXXX XXXX did not take over XXXX XXXX XXXX XXXX performing loan or that which appeared to have been claimed by XXXX in XX/XX/XXXX. XXXX did not take over this loan that XXXX XXXX claims via Aiding and Abetting Attorneys. Those attorney 's are not following any banking laws ; and are making up false facts and evidence to aid in Grand Theft.
This is a scheme to Steal not only my property, my equity, but ruined my entire life and business and have continued to ramp up to levels of crimes that need to be brought to justice. Not in the fake false manners by XXXX XXXX XXXX and XXXX XXXX ; XXXX XXXX and XXXX XXXX of XXXX XXXX Nevada and unregistered law firms to aid in Felony Criminal Acts of XXXX Theft. The loan was XXXX in XXXX ; in XXXX ; it was non performing since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ; and held all rights in Chapter XXXX during XXXX & XXXX ; by XXXX had fired incompetent attorney 's ( founded by Fed. Court as such ) fired the thief attorney, who is now under suspension with CA. BAR. Entered the Superior Courts and of which where the Real Fraud to Grand Theft remains. Attorney 's are aiding in Fraud on the Court.
This is a continued pattern to which has been extreme and ruins society and aids in corruption by allowing such continued abuses to which the circle repeats itself here. | null | Mr. Cooper Group Inc. | CA | 90740 | null | Consent provided | Web | 2020-06-12 | Closed with explanation | Yes | null | 3,670,729 |
2022-02-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | Transunion is nothing but an ecommerce site that constantly tries to force you to purchase their monitoring or other services instead of allowing you access to your credit file. Every time I try and login, i'm redirected to the ecommerce site to purchase a monthly service from this. When i called support, they told me they were resetting my password, and then did not send me the password reset emails. I've been going around and around for 4 hours. If Transunion is going to be nothing more than a seller of credit services, they should not be allowed to be a credit reporting bureau. They are monetizing services that should be made available to the public and causing great harm to consumers by refusing to allow consumers to access their credit profile. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33584 | null | Consent provided | Web | 2022-02-25 | Closed with explanation | Yes | null | 5,261,972 |
2019-05-01 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | Yes my name is XXXX XXXX and wells Fargo claimed I open an account that I never opened I would like it taken of my XXXX XXXX report and compensated | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 92551 | null | Consent provided | Web | 2019-05-10 | Closed with explanation | Yes | null | 3,228,293 |
2021-01-09 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | An unauthorized transaction in the amount of {$6600.00} was made and 3 other thereafter totaling {$7000.00} more or less I emailed the fraud department and mentioned my account was being robbed right now and now today I'm still waiting for a credit for the money taken from my account. | null | BBVA FINANCIAL CORPORATION | AZ | 85037 | Servicemember | Consent provided | Web | 2021-01-09 | Closed with explanation | Yes | null | 4,058,042 |
2020-05-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have been in dispute with XXXX XXXX since XX/XX/2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer.
I have sent a package to your office with all of the documents regarding my dispute with XXXX XXXX, I am sending this additional complaint because I received a credit alert and when I checked it XXXX XXXX had placed another derogatory entry on my file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20720 | null | Consent provided | Web | 2020-05-14 | Closed with explanation | Yes | null | 3,651,745 |
2023-08-21 | Debt collection | Other debt | Communication tactics | You told them to stop contacting you, but they keep trying | I've been caught in the relentless grip of Blackwell Recovery, a company that seems to have forgotten the essence of communication and fair play.
I've written to them, not once, not twice, but multiple times, each letter echoing the same urgent request : validate the debt. Yet, all I've received is silence. A deafening silence that reeks of negligence and disregard for fundamental consumer rights.
They haven't just ignored my requests and missed their window to validate the debt. By law, they must return my debt to the original creditor. Instead, they continue to hold onto my debt as if it's a trophy of their indifference.
This isn't just about money ; it's about principle. It's about standing up against arrogance and apathy. Their actions are profound, not just on my finances but on my peace of mind.
I implore you, Consumer Financial Protection Bureau, to intervene. To step in where Blackwell Recovery has stepped out. To bring justice where there is only injustice. To remind them that the rights of consumers are not just words on paper but living, breathing principles that deserve respect and adherence.
I demand action. I demand justice. I urge the return of my debt to the original creditor. This is not a request ; it's a necessity.
Thank you for your immediate attention to this matter. I trust that you will uphold consumer protection principles and take swift action against this flagrant disregard for my rights. | null | Concord Servicing Corporation | CA | 91387 | null | Consent provided | Web | 2023-08-21 | Closed with explanation | Yes | null | 7,434,249 |
2022-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | on XX/XX/XXXX I sent a dispuite to Transunion about the unauthorized following accounts : XXXX XXXX, which they claim I owe {$9100.00}.
XXXX ) XXXX XXXX : XXXX. {$2900.00} DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX : XXXX. DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX {$30000.00} DATA OPENED XX/XX/XXXX XXXX ) XXXX XXXX. XXXX. {$1300.00} XXXX OPENED. XX/XX/XXXX It's been more than 45 days since I sent this dispute and they have not answer as they are required by the FCRA | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91202 | null | Consent provided | Web | 2022-03-29 | Closed with non-monetary relief | Yes | null | 5,378,693 |
2023-07-29 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | Only XX/XX/XXXX My debit card and ID were stollen from my wallet. On XX/XX/XXXX These items were taken to a Chase bank where money was withdrawn from my savings account. I called the fraud and claims departments and put a freeze on my account. Only XX/XX/XXXX there was another withdrawal from my checking account. I called Chase because my account should have been frozen. They froze my savings account but not my checking. Both accounts can be accessed with my stollen debit card. I have two factor authentication set up on my account, I received the OTC from the bank when the withdrawal was made. Evidently a teller is giving someone cash from my account with only my debit card and ID and not visually verifying their identity or requiring a pin or actual 2 factor authentication. A teller has also given away my checking and savings account numbers. | null | JPMORGAN CHASE & CO. | TX | 77379 | null | Consent provided | Web | 2023-07-29 | Closed with explanation | Yes | null | 7,318,237 |
2022-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94591 | null | Consent provided | Web | 2022-07-20 | Closed with non-monetary relief | Yes | null | 5,793,096 |
2017-01-20 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Having problems with customer service | I called Nelnet to request a lower payment option. They told me that I was not eligible as my husband and I combined made too much money. They told me I could do a forebearance, or file my taxes separately from my husband for 2016 and then they could get me a lower payment. This is just ridiculous to me. I am paying the loans, on time, every month, and I 'm paying extra on them when I can. And all of that means nothing to them because they want me on the hook for the loans longer so they can make more money in interest. It 's not a good or ethical business practice. At all. | null | Nelnet, Inc. | CO | 80003 | null | Consent provided | Web | 2017-01-20 | Closed with explanation | Yes | No | 2,301,747 |
2023-04-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX, XXXX, Experian 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 informatyytion, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | KY | 40403 | null | Consent provided | Web | 2023-04-04 | Closed with explanation | Yes | null | 6,795,287 |
2021-06-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | The last complaint I submitted, I explained that I sent 2 letters regarding my with XX/XX/XXXX being the last date I sent letters to the bureaus accounts that are FALSELY reported and does NOT belong to me. I've called several times, sent in letters, and keep being told they haven't received any letters. Its been WELL over 60 days, how do I know the bureaus won't say this again to keep stringing this out longer and hindering me from being able to obtain the credit that I AM and SHOULD be eligible for? Again this is beyond frustrating when you can't get any answers or any progress updates besides being held off another 60 days. The credit bureaus are in violation of my rights per FCRA. This is false reporting and negligent of the credit bureaus. I won't continue to be overlooked and undermined about a serious matter. The bureaus will be hearing from my legal team to pursuit remedy and litigation! This matter should have been taken care of by now! Its been over 60 days and failure to investigate the items within 30-60 days, gives a reason to immediately remove incorrect items from my report! I will be taking action | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80013 | null | Consent provided | Web | 2021-06-18 | Closed with explanation | Yes | null | 4,473,898 |
2019-10-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Experian Department of Education Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history.
XXXX and XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different?
Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied.
I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you.
Thank You XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19149 | null | Consent provided | Web | 2019-10-09 | Closed with explanation | Yes | null | 3,400,312 |
2023-04-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | This inquiries are not mine. XXXX remove this off of my credit report please | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19143 | null | Consent provided | Web | 2023-04-25 | Closed with non-monetary relief | Yes | null | 6,881,479 |
2022-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Hi, my name is XXXX XXXX and I have been trying to get my credit issues resolved with the three credit bureaus. I have reached out to experian, XXXX, and XXXX via certified mail dating back to XXXX and they have yet to respond via mail or email with results of my dispute and fail to acknowledge that my disputes are even processing. It has been more than 60 days since any one of the 3 bureaus have got back and this involves an FTC complaint # 's XXXX & XXXX in which they have failed to get back to me and none of these accounts stated in the FTC and following documentation are mine. I need to fixed ASAP as this is messing up my credit and un-allowing me to qualify for this apartment I am trying to get, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11757 | null | Consent provided | Web | 2022-03-09 | Closed with explanation | Yes | null | 5,304,180 |
2023-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate.
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | WI | 53208 | null | Consent provided | Web | 2023-05-20 | Closed with non-monetary relief | Yes | null | 7,004,971 |
2021-08-01 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, Unit # 2 Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Continental Finance Company, LLC | OH | 44107 | null | Consent provided | Web | 2021-08-01 | Closed with explanation | Yes | null | 4,592,884 |
2022-05-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting act XXXX US Bankruptcy XXXX XXXX XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written insrtuctions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. | null | EQUIFAX, INC. | TX | 77084 | null | Consent provided | Web | 2022-05-25 | Closed with explanation | Yes | null | 5,597,650 |
2020-12-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28216 | null | Consent provided | Web | 2020-12-16 | Closed with explanation | Yes | null | 4,013,551 |
2022-11-20 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/XXXX I pulled a copy of my credit report and notice Lvnv funding reporting derogatory information. I wrote asking them to verify and validate the debt and they responded with some paperwork that have me even more lost than before. Lvnv Funding did not send me what I asked for to properly validate the debt, which is a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. | null | Resurgent Capital Services L.P. | NY | 10550 | null | Consent provided | Web | 2022-11-20 | Closed with non-monetary relief | Yes | null | 6,226,238 |
2023-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 75052 | null | Consent provided | Web | 2023-05-23 | Closed with non-monetary relief | Yes | null | 7,008,534 |
2022-05-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | FCRA violations : inquires not mine XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$470.00} Status Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX.
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7600.00} Status Account charged off. {$7600.00} written off. {$1800.00} past due as of XX/XX/XXXX.
XXXX CARD Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Account charged off.
FCRA violations : payments never late XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. | null | EQUIFAX, INC. | TX | 76137 | null | Consent provided | Web | 2022-05-27 | Closed with explanation | Yes | null | 5,618,015 |
2022-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Difficulty submitting a dispute or getting information about a dispute over the phone | I have been trying to payoff a loan since XX/XX/XXXX. I sent a personal check and they did not receive it per them. XXXX XXXX bank issued a stop payment and sent out 2 more checks. One to payoff one of my accounts XXXX for {$11000.00} and a principal reductions on another account XXXX for {$2500.00}. These checks cleared by account on XXXX and Lending Clubs on XX/XX/XXXX but Lending Club has not posted them to my account and they say they do not have them, but it takes 7-10 to post or 10-14 days depending on who and what day you call the story changes. It was on auto draft but they took the one off auto draft that I was paying off, but I am afraid they are going to report me to the credit bureaus. They say they won't be they can not be trusted. I have called everyday for 2 weeks now and I get the run around and now they want me to do there job and track down the checks. I have attached to this compliant, but I am not getting anywhere. I see that the FTC filed a compliant against Lending Club through the XXXX. That should say something about their creditability. I want the checks posted to my account and a signed letter from Lending Club stating that I will not be turned over to the credit bureaus for any late payments.. | null | Lending Club Corp | TX | 75035 | null | Consent provided | Web | 2022-01-20 | Closed with explanation | Yes | null | 5,132,696 |
2023-02-01 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Wells fargo fraudulently opened a savings and checking account in my name. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 91722 | null | Consent provided | Web | 2023-02-01 | Closed with explanation | Yes | null | 6,517,187 |
2023-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1992 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
US DEPT ED : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85037 | null | Consent provided | Web | 2023-08-10 | Closed with explanation | Yes | null | 7,383,341 |
2020-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I met with a loan officer today XX/XX/2020 because I'm in the process of buying a house but when my credit report came back, I was told that I did not get approved for any loan at the moment because there are several accounts in negative standing appearing on my credit history. I didn't even know I had negative accounts on my credit because I have always paid everything on time ; I looked through my report and I saw about seven accounts that I never opened. I don't know who opened those accounts in my name but I did not give anyone permission to do so. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts that I did not authorize to be opened on my behalf. | null | EQUIFAX, INC. | CA | 94555 | null | Consent provided | Web | 2020-05-26 | Closed with explanation | Yes | null | 3,668,785 |
2020-07-06 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/XXXX, Portfolio Recovery Associates, alleged I owe on an alleged account with XXXX XXXX. I responded with a debt validation notice, disputing the account and balance, and requesting documents from the original creditor, transfer of debt, and other information within thirty days, or to delete this account. My request was received, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX. On XX/XX/XXXX, Portfolio Recovery Associates, did respond. However, no requested materials, or attached documents were provided whatsoever, only a statement from Portfolio Recovery 's Disputes Department. On XX/XX/XXXX, I again reached out to Portfolio Recovery, via certified USPS ( XXXX ), signed for by XXXX XXXX, on XX/XX/XXXX, stating their prior response was unsatisfactory, and again demanding materials. Portfolio Recovery never responded. Please see the attached documents and receipts. | null | PORTFOLIO RECOVERY ASSOCIATES INC | OH | 43110 | null | Consent provided | Web | 2020-07-06 | Closed with non-monetary relief | Yes | null | 3,731,959 |
2022-08-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It appears that my credit file has been comes to terms. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these from my personal files.
XXXX XXXX XXXX XXXX XXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Reference # : XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. | null | EQUIFAX, INC. | MO | 63033 | null | Consent provided | Web | 2022-08-23 | Closed with explanation | Yes | null | 5,903,556 |
2020-05-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not good.I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. | null | EQUIFAX, INC. | TX | 76549 | null | Consent provided | Web | 2020-05-05 | Closed with explanation | Yes | null | 3,637,487 |
2021-01-13 | Student loan | Private student loan | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | My wife and I have a student loan with Sallie Mae. We made and payment to Sallie Mae and then followed up by calling because account was still showing up passed due. Once my wife and I called them and told them the information was incorrect and asked for issue to be fixed, they continue to investigate the issue and always said to us that the issue would be fixed in the next 2-5 business days and the issue never was fixed. We continued to call and nothing was done. I decided to end it and make the payment they said was owed. Once I made the payment, the company reported we were passed due and immediately my credit score took a hard hit. I then again called back and still nothing was attempted to be resolved or fixed. | Company believes it acted appropriately as authorized by contract or law | SLM CORPORATION | NJ | 07424 | null | Consent provided | Web | 2021-01-15 | Closed with explanation | Yes | null | 4,065,611 |
2022-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I just reviewed my credit report from XXXX XXXX website yesterday XX/XX/XXXX and noticed a previous company Ive used is reporting to my credit bureau incorrect amounts for my past purchases and they specified that the loan was for a vehicle which is incorrect. I tried calling on XX/XX/XXXX at XXXX cst this was a 8 minute call and the agent was rude not acknowledging the reason for my call or request. He kept deflecting by repeating himself saying they dont report to credit bureaus and there is no credit department to transfer me to. So hung up and tried again to XX/XX/XXXX at XXXX cst this was a 8 minute call as well, this person said he was a supervisor and that he would send a request to the credit department but can not guarantee that my credit report would be updated. I in turned replied It is required by law you remove the inaccurate information under the FCRA, The law states that any inaccurate information you report to my credit bureau must be immediately deleted and provide written confirmation He stated again he couldnt guarantee it so I told him I will file formal complaint with CFPB and the FTC | null | ACIMA CREDIT, LLC | TX | 76123 | null | Consent provided | Web | 2022-10-26 | Closed with explanation | Yes | null | 6,133,200 |
2022-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX, Account # XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A states I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53206 | null | Consent provided | Web | 2022-06-01 | Closed with explanation | Yes | null | 5,624,220 |
2022-10-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Ive sent disputes to XXXX and trans union to asked them to delete my 2 bankruptcies off my credit since I contacted XXXX XXXX and the courts and XXXX XXXX have deleted the bankruptcies off my credit and the courts dont report to the credit reports so they need to be deleted per XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 63031 | null | Consent provided | Web | 2022-10-19 | Closed with non-monetary relief | Yes | null | 6,097,782 |
2023-03-23 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX Amount {$560.00} Collection agency CAPIO PARTNERS LLC Original claimant is XXXX XXXX XXXX Tel XXXX capio partners Tel for XXXX XXXX XXXX This bill doesnt belong to me thats either an identity fraud or misinformation Because Ive never been to XXXX Florida I live in XXXX XXXX and this XXXX XXXXXXXX XXXX is a medical company in XXXX, FL gave collection through Casio partners.
I never had any visit or relation with this company. | null | Capio Partners, LLC | NJ | 07093 | null | Consent provided | Web | 2023-03-23 | Closed with non-monetary relief | Yes | null | 6,739,561 |
2023-07-03 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 24540 | null | Consent provided | Web | 2023-07-03 | Closed with non-monetary relief | Yes | null | 7,199,950 |
2022-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXX XXXX Account numberXXXX.
XXXX XXXX Account number XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX ( reporting to experian ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me.
. I am requesting that these accounts be removed from my reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 100XX | null | Consent provided | Web | 2022-06-21 | Closed with non-monetary relief | Yes | null | 5,694,270 |
2021-10-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | All three credit bureaus are violating my rights under the FCRA, and also the they are no complying with the 60 day investigation parameters set fourth by CFPB. I have tried 3 different times this year to get the credit bureaus to update my information. Each time i have submitted a complaint with the CFPB, I get no help. The bureaus have given me the same answer for all 9 of my complaints. That they are still investigating my results. After 9 months. The are still investigating my results. They are stalling. I will be also submitting a complaint with the Federal Trade Commission. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30223 | null | Consent provided | Web | 2021-10-20 | Closed with explanation | Yes | null | 4,829,337 |
2021-10-31 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | 1.XX/XX/2021 called me harassing me via voicemail 2. XX/XX/2021 called me harassing me via voicemail 3. XX/XX/2021 called me harassing me via voicemail 4. XX/XX/2021 called me harassing me via voicemail 5. XX/XX/2021 called me harassing me via voicemail 6. XX/XX/2021 called me harassing me via voicemail 7. XX/XX/2021 called me harassing me via voicemail 8. XX/XX/2021 called me harassing me via voicemail 9. XX/XX/2021 called me harassing me via voicemail 10. XX/XX/2021 called me harassing me via voicemail 11. XX/XX/2021 called me harassing me via voicemail 12. XX/XX/2021 called me harassing me via voicemail 13. XX/XX/2021 called me harassing me via voicemail 14. XX/XX/2021 called me harassing me via voicemail 15. XX/XX/2021 called me harassing me via voicemail 16. XX/XX/2021 called me harassing me via voicemail 17. XX/XX/2021 called me harassing me via voicemail 18. XX/XX/2021 called me harassing me via voicemail 19. XX/XX/2021 called me harassing me via voicemail 20. XX/XX/2021 called me harassing me via voicemail 21. XX/XX/2021 called me harassing me via voicemail 22. XX/XX/2021 called me harassing me via voicemail 23. XX/XX/2021 called me harassing me via voicemail 24. XX/XX/2021 called me harassing me via voicemail 25. XX/XX/2021 called me harassing me via voicemail 26. XX/XX/2021 called me harassing me via voicemail 27. XX/XX/2021 called me harassing me via voicemail 28. XX/XX/2021 called me harassing me via voicemail 29. XX/XX/2021 called me harassing me via voicemail 30. XX/XX/2021 called me harassing me via voicemail 31. XX/XX/2021 called me harassing me via voicemail 32. XX/XX/2021 called me harassing me via voicemail 33. XX/XX/2021 called me harassing me via voicemail 34. XX/XX/2021 called me harassing me via voicemail 35. XX/XX/2021 called me harassing me via voicemail 36. XX/XX/2021 called me harassing me via voicemail 37. XX/XX/2021 called me harassing me via voicemail 38. XX/XX/2021 called me harassing me via voicemail 39. XX/XX/2021 called me harassing me via voicemail 40. XX/XX/2021 called me harassing me via voicemail 41. XX/XX/2021 called me harassing me via voicemail 42. XX/XX/2021 called me spoke with me very rude yelling at me telling me I BETTER PAY THE LAW DOESN'T PROTECT ME THE CONSUMER AND HUNG THE PHONE UP ON ME WHEN I ASKED TO BE TOLD WHAT LAW IS THAT. BECAUSE TILA IS FOR THE CONSUMER, FCRA IS FOR THE CONSUMER, FDCPA IS FOR THE CONSUMER, TCPA IS FOR THE CONSUMER. I STATED I WOULD REPORT THE VERBAL ABUSE AND HARASSMENT TO THE CFPB. THE REP ON THE PHONE STATED I DON'T CARE SIR AND HUNG THE PHONE UP ON ME. I NEVER GAVE HER PERMISSION TO TALK TO ME THAT WAY OR TO HANG THE PHONE UP ON ME.
43. XX/XX/2021 REP DEMANDED I PAY A BILL THAT WAS NEVER VALIDATED BY ME AND WAS VERY AGRESSIVE MAKING ME FEEL THREATENED.
I'M ON THE NATIONAL DO NOT CALL REGISTRY LIST AS OF XX/XX/2021 AFTER I WAS VERBALLY ASSUALTED, HARASSED AND MADE TO FEEL THREATENED BY THE REP FOR THE COMPANY.
44. XX/XX/2021 RECEIVED A LETTER IN THE MAIL WITH THE COMPANIES LOGO VISIBLE FOR ANYONE TO SEE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HCFS Health Care Financial Services, Inc. | TN | 38128 | null | Consent provided | Web | 2021-10-31 | Closed with explanation | No | null | 4,861,532 |
2021-12-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75237 | null | Consent provided | Web | 2021-12-30 | Closed with explanation | Yes | null | 5,055,987 |
2023-06-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | It is XXXX to report inaccurate information on an account in accordance with the Fair Credit Report Act. Currently, my credit report shows inaccurate information and a charge-off. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report.
15 usc 1681a2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agency. This isif thepersonknows or hasreasonable cause to believe that the information is inaccurate. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. What are the ways in which your company reports CHARGE-OFF ACCOUNTS with NEGATIVE STATEMENT BALANCES and has inaccurate information with different credit agencies? | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | LA | 705XX | Servicemember | Consent provided | Web | 2023-06-15 | Closed with explanation | Yes | null | 7,124,270 |
2020-04-01 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | My card is with Citi Bank and I paid it off in full on XXXX ( {$23000.00} ). On XX/XX/XXXX I got a text saying I had a late fee so I called them to see what was wrong as I had paid {$400.00} on XXXX and {$400.00} on XX/XX/XXXX. The rep said it was a late fee and interest so instead of arguing with her I paid {$37.00}. That night I looked at my previous and called them the next day to see why I was charged a late fee. They said it was because i paid early and it when against the previous bill. I said I was penalized for paying early?? and the rep said they would credit it back to my back account. Nothing was credited back and I tried calling a fee times and couldn't get through until XX/XX/XXXX or XXXX. I had to explain all over again and that rep said they would credit it back to my account and I should see it in my XXXX XXXX XXXXXXXX account by that Thursday or friday, XX/XX/XXXX or XXXX. Nothing has been credited back and I've tried to call and messenger then and can not get through. I waited over an hour on the phone yesterday XX/XX/XXXX and finally hung up. I would like this resolved but can't seem to get them to fix it. I've seen others complain about them also so I feel something needs to be done. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 91324 | null | Consent provided | Web | 2020-04-01 | Closed with explanation | Yes | null | 3,588,541 |
2021-07-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | There are several items on my credit report that I have paid off over a year ago. Being the lender XXXX XXXX required that all open collections be paid off and they wrote a check to pay off items in order for approval of funds.
The following account name - 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. | TX | 75217 | null | Consent provided | Web | 2021-07-23 | Closed with explanation | Yes | null | 4,565,281 |
2021-08-23 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | Dates XX/XX/2020 & XX/XX/2020 {$1400.00} each account.
All I received was a notice of the amount. The XXXX never sent a bill itemizing the amount left to pay. I emailed the XXXX the packet for financial assistance and the XXXX never returned my phone call or emailed me back to even say they received it. I have a XXXX XXXX and due to the nature of my job I was unable to work for weeks. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | GA | 303XX | null | Consent provided | Web | 2021-08-23 | Closed with explanation | Yes | null | 4,653,471 |
2021-11-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON. | null | EQUIFAX, INC. | OH | 43224 | null | Consent provided | Web | 2021-11-01 | Closed with explanation | Yes | null | 4,863,031 |
2016-09-01 | Student loan | Non-federal student loan | Can't repay my loan | Can't decrease my monthly payments | To whom it Concerns, I am XXXX years old, I am employed at XXXX XXXX XXXX in XXXX XXXX, Ga. My job title is XXXX. I am a single mother of XXXX year old son, who goes to daycare and has been going to daycare since XXXX months old. The reason of this letter is to stop the harassment and threatening calls from XXXX/Navient and come to a settlement or arrangement to pay them off without the calls and threats of garnishing my checks. Also, for a reasonable cost that I can afford based off of my financial situation. I have spoken with Navient and even went through my finances and bills with them to determine if I qualified for a program that allowed me to make a payment of {$210.00} a month, which was still too much for me but I agreed. I was able to get in the program, I started making payments XXXX XXXX, 2016, after my XXXX payment was processed and cleared, by the XXXX Payment they tried to pull a payment out of my checking account on a date I did n't agree on. They also did not send me a copy of the agreement to begin with, so I would not have a copy. Navient tried pulling funds out of my account twice and each time they attempted my bank " XXXX '' charge me a NSF fee on XXXX XXXX, 2016 of XXXX and XXXX XXXX, 2016 of XXXX because I did n't have the money. What happened was the representative changed the date I make my payment but did not delete the previous date an this happened twice where the representative made that mistake of not stopping a payment when I changed the date for it to come out. So that made two attempts of taking funds out of my account. After speaking with several customer services representatives I finally got to speak with a Supervisor who told me that the employees are human and make mistakes and proceeded to defend them and argue me down about being behind on my payments anyways. I have been struggle to just take care of my bills and be able to provide for my son. I can barely pay the bills I have and ca n't afford to live on my own, so I am living with relatives until I can get financially stable. I have explained this to Navient representatives each and every time I speak with them. I do n't make enough to pay the amount they are asking for and I have explained that to them over and over again as well. I need help to put Navient behind me, the XXXX and making it difficult to raise my child like I should. I have a Co-signer on my XXXX/Navient loan, which is my mother who receives harassing calls day and night. It has seriously put a strain on her, so much that she has been making payment on a credit card that she can not afford and causing her to add another bill to pay. She is struggling to pay Navient because of her health issues and medicine she has to pay for. The XXXX and medical bills to pile up as well. My mother has medical needs and the pressure that Student loan companies like Navient is forcing is causing some of these issues for us both. To have someone threaten to garnish your pay checks is XXXX. Outside of XXXX XXXX Navient we still have other bills and health issues we have to pay. We ca n't pay anybody if we are not living. We need help to resolve this life alternating issue. | null | Navient Solutions, LLC. | GA | 31088 | null | Consent provided | Web | 2016-09-07 | Closed with explanation | Yes | Yes | 2,091,833 |
2021-07-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response. | null | EQUIFAX, INC. | SC | 29170 | null | Consent provided | Web | 2021-07-08 | Closed with explanation | Yes | null | 4,523,687 |
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