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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2018-07-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventu... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10026 | null | Consent provided | Web | 2018-07-03 | Closed with non-monetary relief | Yes | null | 2,952,825 |
2018-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I submitted a settlement offer to the company with terms as a contract that stated if they accepted and cash the check that was enclosed with the offer they would remove the negative item form both my husband and my credit reports with all three reporting agencies. The offer was accepted and the check has been cashed a... | null | National Credit Systems,Inc. | VA | 23666 | Servicemember | Consent provided | Web | 2018-11-28 | Closed with explanation | Yes | null | 3,082,480 |
2021-05-11 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL t... | null | Commonwealth Financial Systems, Inc. | RI | 028XX | null | Consent provided | Web | 2021-05-11 | Closed with explanation | Yes | null | 4,368,053 |
2022-12-17 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | In XX/XX/2022, we purchased XXXX XXXX flights for my wife and I to compete in an XXXX XXXX on XX/XX/2022 with our XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXXXXXX. On the return flight home, we encountered a delay due to mechanical issues with the plane that were evident as we witnessed a mechanic opening and working o... | null | JPMORGAN CHASE & CO. | CO | 80238 | null | Consent provided | Web | 2022-12-17 | Closed with explanation | Yes | null | 6,332,862 |
2023-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.
Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay ... | null | EQUIFAX, INC. | MD | 206XX | null | Consent provided | Web | 2023-07-21 | Closed with non-monetary relief | Yes | null | 7,277,861 |
2023-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | XXXXX | null | Consent provided | Web | 2023-08-21 | Closed with explanation | Yes | null | 7,429,105 |
2022-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on?
Wha... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92105 | null | Consent provided | Web | 2022-04-26 | Closed with non-monetary relief | Yes | null | 5,495,743 |
2019-11-19 | Student loan | Federal student loan servicing | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both the credit bureaus and XXXX XXXX with no successful resolution. The c... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11758 | null | Consent provided | Web | 2019-11-21 | Closed with explanation | Yes | null | 3,442,587 |
2018-02-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | Bankruptcy listed with XXXX, XXXX and Experian has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30228 | null | Consent provided | Web | 2018-02-03 | Closed with explanation | Yes | null | 2,802,487 |
2017-04-27 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | Called from an XXXX GA number but company is physically located in XXXX XXXX Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity. | Company disputes the facts presented in the complaint | Strategic Alliances, Inc. | SC | XXXXX | null | Consent provided | Web | 2017-05-08 | Closed with explanation | Yes | null | 2,469,614 |
2021-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report.
Ive never done business wi... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30281 | null | Consent provided | Web | 2021-05-19 | Closed with explanation | Yes | null | 4,390,407 |
2023-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX 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 instructio... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33569 | null | Consent provided | Web | 2023-04-20 | Closed with non-monetary relief | Yes | null | 6,864,832 |
2021-12-07 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | State Collection Service , Inc XXXX XXXX XXXX XXXX, WI XXXX I discovered a debt belongs to my late wife in my credit report.
This company was hired by XXXX XXXX XXXX in XXXX Maryland last XX/XX/XXXX. I paid the debt in full for the final bills they never sent to me after my medical insurance paid them {$17000.00}.
I... | null | State Collection Service, Inc. | MD | 211XX | Servicemember | Consent provided | Web | 2021-12-08 | Closed with explanation | Yes | null | 4,987,219 |
2020-10-01 | 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 completed the lease term on my XXXX XXXX this XXXX.
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance.... | null | General Motors Financial Company, Inc. | CA | 911XX | null | Consent provided | Web | 2020-10-06 | Closed with non-monetary relief | Yes | null | 3,876,696 |
2020-09-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | 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 is plainly stated that a failure to investigate these items within... | null | EQUIFAX, INC. | FL | 33870 | null | Consent provided | Web | 2020-09-11 | Closed with explanation | Yes | null | 3,845,970 |
2023-08-15 | 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 | Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or con... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33625 | null | Consent provided | Web | 2023-08-15 | Closed with non-monetary relief | Yes | null | 7,403,071 |
2022-02-24 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I keep receiving threatening phone calls from this number XXXX ( XXXX ) XXXX. I paid the XXXX XXXX ( Comenity Bank ) before I purchased my house over 3 years ago. The person keeps calling from the phone number XXXX ( XXXX ) XXXX threatening me with law suits and going to my place of employment. | null | Bread Financial Holdings, Inc. | VA | 22405 | null | Consent provided | Web | 2022-02-24 | Closed with explanation | Yes | null | 5,258,318 |
2023-09-01 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below.
1 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19146 | null | Consent provided | Web | 2023-09-01 | Closed with explanation | Yes | null | 7,480,660 |
2021-04-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Account not mines. Submitted FTC report.
1 Original creditor : {$90.00} Account number XXXX 2. Original creditor : {$650.00} Account number XXXX Remove Inquiries 3.XXXXXXXX XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX 6.XXXXXXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX | null | EQUIFAX, INC. | DE | 19802 | null | Consent provided | Web | 2021-04-04 | Closed with explanation | Yes | null | 4,270,238 |
2023-07-17 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | Student Loans were in forbearance by the US government until XX/XX/2023. I applied for income based and received the run around until I filed a complaint. Then all of a sudden I got a letter saying I had a payment due that was not there before I complained. Why are my student loans forbearance? | null | Navient Solutions, LLC. | TX | XXXXX | Servicemember | Consent provided | Web | 2023-07-17 | Closed with explanation | Yes | null | 7,263,763 |
2021-11-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Report... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32114 | null | Consent provided | Web | 2021-11-29 | Closed with non-monetary relief | Yes | null | 4,954,417 |
2022-02-03 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall p... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19150 | null | Consent provided | Web | 2022-02-03 | Closed with explanation | Yes | null | 5,183,131 |
2021-12-20 | 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 mailed an Affadvit to Experian via certified mail on XX/XX/2021 pointing out the inconsistent information with 3 accounts reporting on my credit report. I provided copies of my credit report showing the errors that they were reporting. They received this packet on XX/XX/2021 per USPS tracking : XXXX. They responded b... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 350XX | null | Consent provided | Web | 2021-12-20 | Closed with non-monetary relief | Yes | null | 5,023,688 |
2021-12-25 | 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 | A validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. A certified receipt from the united states postal service accompanied the letter to prove they received it. Up to present day they have not pr... | null | PORTFOLIO RECOVERY ASSOCIATES INC | PA | 190XX | null | Consent provided | Web | 2022-01-04 | Closed with explanation | Yes | null | 5,040,810 |
2017-04-26 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX XXXX is a California Limited Liability Partnership lo cated in XXXX XXXX , CA owned and operated by G.H. XXXX XXXX . They have retaine d Kimball Tirey & St. John a s counsel. They are a real estate company who has ownership in the The XXXX XXXX XXXX in XXXX XXXX XXXX . From my under... | null | Kimball, Tirey & St. John LLP | CA | 902XX | null | Consent provided | Web | 2017-04-28 | Closed with explanation | Yes | null | 2,468,201 |
2018-04-07 | Checking or savings account | Checking account | Managing an account | Banking errors | I received a Investors Bank mail flyer advertising a {$200.00} promotional offer to open a " Yourstyle '' checking account. I opened this promotional account at the XXXX, NJ branch of Investors with the Assistant Branch Manager, XXXX XXXX on XX/XX/XXXX. My family member who had also received the same promotional offer ... | null | INVESTORS BANK | NJ | 07747 | null | Consent provided | Web | 2018-04-07 | Closed with monetary relief | Yes | null | 2,867,299 |
2017-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 373XX | Servicemember | Consent provided | Web | 2017-08-15 | Closed with non-monetary relief | Yes | null | 2,643,548 |
2020-09-02 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. | null | Bread Financial Holdings, Inc. | MA | 02324 | null | Consent provided | Web | 2020-09-02 | Closed with explanation | Yes | null | 3,828,096 |
2021-10-19 | 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 | I love my Citi Prestige card and always use it when traveling. My wife and I had a 2 week trip to Italy in XXXX, and we had huge security problems while staying at 1 specific hotel. I had originally booked 2 nights, but had to leave in the early morning after the first night. Security deposit box wasn't working, door w... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 331XX | null | Consent provided | Web | 2021-10-19 | Closed with explanation | Yes | null | 4,825,164 |
2019-03-13 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | In XX/XX/XXXX I Discovered that a fraudulent credit card had been opened in my name because Bank of America posted it as bad debt and it went to the credit bureaus. The card had a balance of around $ 20k on it. The card was used to pay off a XXXX XXXX credit card in my name which I also did not open. XXXX XXXX has dete... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | SC | 292XX | null | Consent provided | Web | 2019-03-13 | Closed with explanation | Yes | null | 3,178,087 |
2017-05-18 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | Middle o f XX/XX/XXXX : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed. XX/XX/XXXX : I ( father co-signer ) asked XXXX XXXX ( daughter ) " I n... | null | Navient Solutions, LLC. | MD | 20747 | null | Consent provided | Web | 2017-05-18 | Closed with explanation | Yes | null | 2,487,474 |
2022-12-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I suspect fraudulent inquiries on my credit report. below are the inquiries listed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19120 | null | Consent provided | Web | 2022-12-25 | Closed with non-monetary relief | Yes | null | 6,358,808 |
2023-09-06 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | On XX/XX/XXXX, I received notice from my bank, JPMorgan Chase & Co ( Chase ), of a potentially fraudulent charge on my debit card. I reviewed the charge and determined that it was fraudulent. I declined the charge and Chase canceled my debit card at the time and ordered me a new one.
On XX/XX/XXXX, I received notifi... | null | JPMORGAN CHASE & CO. | IL | 62704 | null | Consent provided | Web | 2023-09-06 | Closed with monetary relief | Yes | null | 7,509,840 |
2023-02-26 | 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 | Ive previously reported fraud and inaccuracies on my credit reports regarding an account XXXX and this has still not been removed. The creditor goes by XXXX and I need this to be resolved. Ive since contacted the XXXX XXXXo report fraud | null | EQUIFAX, INC. | GA | 30331 | null | Consent provided | Web | 2023-02-26 | Closed with explanation | Yes | null | 6,617,942 |
2015-11-23 | Debt collection | Other (i.e. phone, health club, etc.) | False statements or representation | Attempted to collect wrong amount | ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan. | Company believes it acted appropriately as authorized by contract or law | ERC | MD | 20705 | null | Consent provided | Web | 2015-12-09 | Closed with non-monetary relief | Yes | No | 1,668,931 |
2019-05-31 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | I've had a student loan for over 10 years now. This loan has been moved multiple times with different companies. The loan is currently with Navient and even though I have never missed a payment my balance has not improved or decreased. | null | Navient Solutions, LLC. | FL | 33647 | null | Consent provided | Web | 2019-05-31 | Closed with explanation | Yes | null | 3,259,801 |
2023-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is pla... | null | EQUIFAX, INC. | IN | 47421 | null | Consent provided | Web | 2023-01-20 | Closed with explanation | Yes | null | 6,466,256 |
2021-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. ... | null | EQUIFAX, INC. | TN | 370XX | null | Consent provided | Web | 2021-03-07 | Closed with explanation | Yes | null | 4,190,618 |
2022-09-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I submitted 3 tickets from XXXX to Grains customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay. | null | Grain Technology, Inc. | TX | 75204 | Servicemember | Consent provided | Web | 2022-09-18 | Closed with explanation | Yes | null | 5,993,245 |
2022-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/X... | null | EQUIFAX, INC. | MO | 631XX | null | Consent provided | Web | 2022-08-10 | Closed with explanation | Yes | null | 5,859,433 |
2023-02-01 | 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 | Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 )... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93021 | null | Consent provided | Web | 2023-02-01 | Closed with non-monetary relief | Yes | null | 6,508,957 |
2023-04-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for g... | null | EQUIFAX, INC. | PA | 15001 | null | Consent provided | Web | 2023-04-01 | Closed with explanation | Yes | null | 6,782,383 |
2023-01-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77489 | null | Consent provided | Web | 2023-01-07 | Closed with explanation | Yes | null | 6,405,900 |
2023-04-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they se... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80904 | null | Consent provided | Web | 2023-04-09 | Closed with non-monetary relief | Yes | null | 6,812,125 |
2020-11-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the XXXX XXXX XXXX Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX ( IXXXX ) in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29690 | Servicemember | Consent provided | Web | 2020-11-30 | Closed with explanation | Yes | null | 3,981,975 |
2020-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Transunion reports a charged off credit card with XXXX XXXX XXXX. This account does not belong to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34287 | Older American | Consent provided | Web | 2020-04-08 | Closed with explanation | Yes | null | 3,598,209 |
2020-04-08 | Credit card or prepaid card | General-purpose prepaid card | Trouble using the card | Trouble using the card to spend money in a store or online | I purchased a Visa gift card from prepaidgiftbalance.com a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the prepaidgiftbalance at XXXX and they said they blocked my card and they are holding my funds. I advised the... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | KY | XXXXX | null | Consent provided | Web | 2020-04-08 | Closed with explanation | Yes | null | 3,597,293 |
2023-08-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | 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 three 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 l... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33614 | null | Consent provided | Web | 2023-08-09 | Closed with non-monetary relief | Yes | null | 7,373,207 |
2023-05-26 | 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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30281 | null | Consent provided | Web | 2023-05-26 | Closed with non-monetary relief | Yes | null | 7,031,654 |
2021-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53208 | null | Consent provided | Web | 2021-02-24 | Closed with explanation | Yes | null | 4,162,775 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle.
XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 79924 | null | Consent provided | Web | 2023-06-01 | Closed with non-monetary relief | Yes | null | 6,931,815 |
2020-03-31 | 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 | Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law.
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fr... | null | EQUIFAX, INC. | GA | 30214 | Servicemember | Consent provided | Web | 2020-03-31 | Closed with explanation | Yes | null | 3,588,021 |
2020-01-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop report... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KY | 417XX | Servicemember | Consent provided | Web | 2020-01-01 | Closed with explanation | Yes | null | 3,482,763 |
2022-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | The credit reporting agencies ( CRA ) repeatedly allow the below list of creditors to falsely report dispute remarks on my credit report. In XXXX, I exercised my rights to request an investigation into the accuracy of the information reported for these accounts. Upon resolution of the disputes, much of information was ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ME | 047XX | null | Consent provided | Web | 2022-07-07 | Closed with non-monetary relief | Yes | null | 5,743,547 |
2020-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | REQUEST FOR FREE ANNUAL CREDIT REPORT!!!
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at ... | null | EQUIFAX, INC. | NY | 11419 | null | Consent provided | Web | 2020-07-29 | Closed with explanation | Yes | null | 3,769,753 |
2020-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they hav... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92123 | null | Consent provided | Web | 2020-05-18 | Closed with explanation | Yes | null | 3,658,019 |
2021-12-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX XXXX placed hard inquiries on XX/XX/2021 and XX/XX/2021. I have not requested nor applied for credit with XXXX in the past 2 years. I contacted Experian on XX/XX/2021 to request the removal of such inquiries and they said I needed to contact XXXX directly. I contacted XXXX on the same day and s... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WA | 98006 | null | Consent provided | Web | 2021-12-27 | Closed with explanation | Yes | null | 5,042,418 |
2023-02-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix th... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 20109 | null | Consent provided | Web | 2023-02-22 | Closed with non-monetary relief | Yes | null | 6,605,309 |
2021-11-24 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | Dear Sir or Madam, 1. CAP ONE AUTO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/X... | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 77301 | null | Consent provided | Web | 2021-11-24 | Closed with explanation | Yes | null | 4,944,032 |
2023-06-28 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Credit Collection Service ( CCS ) has put a collection item on my credit report. I have never received services/contract with them. They refuse to furnish me with a contract for goods/services that I received from them. How can I pay for something that legally I don't owe? | Company believes the complaint is the result of a misunderstanding | CCS Financial Services, Inc. | VA | 221XX | Servicemember | Consent provided | Web | 2023-06-28 | Closed with explanation | Yes | null | 7,180,319 |
2020-06-09 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Other problem | On XX/XX/2020 I received a letter from a debt collector ( XXXX XXXX XXXX , XXXX ) alleging I owe Synchrony Bank, issuer of the Old Navy Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 33184 | null | Consent provided | Web | 2020-06-09 | Closed with explanation | Yes | null | 3,689,391 |
2023-03-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On XX/XX/XXXX, I contacted TransUnion regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95136 | null | Consent provided | Web | 2023-03-28 | Closed with non-monetary relief | Yes | null | 6,764,311 |
2023-06-12 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Hello The original debtor is XXXX XXXX. I voluntarily had my bad service disconnected at my new location because the service didnt work properly. I talked to them by phone and email trying to resolve the issues. We agreed I would disconnect WITH NO PENALTY since it wasnt my fault. I had several service technicians out ... | Company believes it acted appropriately as authorized by contract or law | McCarthy, Burgess & Wolff, Inc. | NJ | 08054 | null | Consent provided | Web | 2023-07-18 | Closed with explanation | Yes | null | 7,105,583 |
2023-02-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This company refuses to remove or update their credit reporting entry on my XXXX credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and t... | Company believes the complaint provided an opportunity to answer consumer's questions | Possible Financial Inc | CA | 95628 | null | Consent provided | Web | 2023-02-26 | Closed with non-monetary relief | Yes | null | 6,615,388 |
2023-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts.
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. | FL | 33157 | null | Consent provided | Web | 2023-05-18 | Closed with non-monetary relief | Yes | null | 6,989,022 |
2019-09-19 | 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 requesting investigation of inquiries on my Equifax credit report since XX/XX/2019 due to me being a victim of identity theft. These inquiries still have not been deleted/blocked from my Equifax credit report and every time I send a written letter there has not been a response. With FCRA it states if there ... | null | EQUIFAX, INC. | GA | 30132 | null | Consent provided | Web | 2019-09-19 | Closed with explanation | Yes | null | 3,379,645 |
2023-03-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods,... | null | EQUIFAX, INC. | NY | 11692 | null | Consent provided | Web | 2023-03-23 | Closed with explanation | Yes | null | 6,741,154 |
2022-11-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to r... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70068 | null | Consent provided | Web | 2022-11-01 | Closed with non-monetary relief | Yes | null | 6,146,513 |
2023-01-03 | 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 | Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous lett... | null | EQUIFAX, INC. | WA | 98404 | null | Consent provided | Web | 2023-01-03 | Closed with explanation | Yes | null | 6,386,683 |
2022-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I received an alert from my credit card company stating that my score had decreased due to an account reporting a write-off in my name to the credit bureaus. I completed the dispute process since I had no knowledge of opening an XXXX XXXX credit card. I received the results of the investigation done by Experian and no ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07202 | null | Consent provided | Web | 2022-06-16 | Closed with explanation | Yes | null | 5,673,497 |
2021-11-02 | Credit card or prepaid card | General-purpose prepaid card | Problem with a purchase or transfer | Charged for a purchase or transfer you did not make with the card | While Im the mail I never received my card so Im guessing someone stole it I only have access to the online part but someone has access to the physical card that they stole on the mail now American Express says theres nothing they can do about it which is really messed up because I lost {$3000.00} today it was supposed... | null | AMERICAN EXPRESS COMPANY | IL | 60402 | null | Consent provided | Web | 2021-11-02 | Closed with monetary relief | Yes | null | 4,866,379 |
2021-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results. | null | AES/PHEAA | VA | 22901 | null | Consent provided | Web | 2021-04-28 | Closed with explanation | Yes | null | 4,332,993 |
2020-06-23 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Scam debt collector | null | Patient Accounting Service Center | CA | 94086 | null | Consent provided | Web | 2020-06-23 | Closed with explanation | Yes | null | 3,711,953 |
2023-04-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a... | null | EQUIFAX, INC. | MS | 387XX | null | Consent provided | Web | 2023-04-29 | Closed with explanation | Yes | null | 6,906,792 |
2021-05-26 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I contacted early warning services and XXXX XXXX XXXX in reference to my checking account. I resolved all of my responsibilities. I experienced major issues with XXXX XXXX XXXXXXXX improperly noting my account from a deposit error. They charged excessive fees, I paid even though it was erroneous just to restore my good... | null | Early Warning Services, LLC | CA | 91367 | Servicemember | Consent provided | Web | 2021-05-26 | Closed with explanation | Yes | null | 4,408,579 |
2019-07-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law an... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 304XX | null | Consent provided | Web | 2019-07-02 | Closed with explanation | Yes | null | 3,293,487 |
2023-06-14 | Checking or savings account | Checking account | Closing an account | Funds not received from closed account | Citibank made an internal error thinking I deposited a 3rd party check, which is incorrect. They admitted it was their mistake but closed my account anyway.They simply overlooked the DBA. I am the sole signatory on all the accounts. They closed my account without notice and said it would be 45-60 days before I could ge... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 10019 | null | Consent provided | Web | 2023-06-14 | Closed with explanation | Yes | null | 7,117,951 |
2016-06-16 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | I receive numerous calls from a particular number and now I have friends and family telling me the same number is calling them asking for me. | null | Direct Recovery Services, LLC | FL | 32301 | null | Consent provided | Web | 2016-06-16 | Closed | No | No | 1,971,726 |
2017-10-18 | 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 called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | AZ | 85037 | null | Consent provided | Web | 2017-10-24 | Closed with explanation | Yes | null | 2,705,121 |
2023-08-31 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.
15 U.S.C 1681 section ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 79938 | null | Consent provided | Web | 2023-08-31 | Closed with explanation | Yes | null | 7,483,046 |
2021-02-11 | 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 | XXXX double reported a credit inquiry to Transunion on the same day. They have 2 inquiries on my credit report for XX/XX/2019. Of course, they just love running your credit 20 times when you purchase a car, because every time they submit an inquiry, it lowers your credit score, so by the time you make the actual purcha... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60618 | null | Consent provided | Web | 2021-02-11 | Closed with explanation | Yes | null | 4,135,052 |
2018-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Equifax consistently is the only credit bureau that displays incorrect account balances, personal information including addresses and reports closed accounts as being open. I opened disputes for these issues on XX/XX/XXXX and once again on XX/XX/XXXX. As of yet - I have not been able to view the results of my disputes ... | null | EQUIFAX, INC. | TX | 75039 | null | Consent provided | Web | 2018-06-23 | Closed with explanation | Yes | null | 2,944,304 |
2017-12-05 | Credit card or prepaid card | Store credit card | Fees or interest | Charged too much interest | Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the co... | null | Bread Financial Holdings, Inc. | PA | 19125 | null | Consent provided | Web | 2017-12-05 | Closed with explanation | Yes | null | 2,746,909 |
2022-11-27 | 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 have disputed the same issue with all XXXX credit reporting agencies for the past XXXX XXXX dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting XXXX of the XXXX student loan accounts I have. I have asked them to verify the information they had with XXXX XXXX veri... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91405 | null | Consent provided | Web | 2022-11-27 | Closed with non-monetary relief | Yes | null | 6,244,239 |
2020-02-19 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | For the 3rd time since having this car the loan company has taken full payment for the month the loan company then cuts the car off manually so that Im not able to go to work nor take my children to school. Hugh inconvenience to my life and it cost more money from myself. This loan company has also added XXXX dollars t... | null | U.S. Auto Sales Inc. | GA | 30311 | null | Consent provided | Web | 2020-02-19 | Closed with explanation | Yes | null | 3,537,831 |
2017-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In XX/XX/2017 I used XXXX 's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is cl... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 78665 | Servicemember | Consent provided | Web | 2017-07-28 | Closed with non-monetary relief | Yes | null | 2,588,019 |
2023-01-18 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | I share my experiences with Veros Credit. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX phone ( XXXX ) I have had dealings with them since XX/XX/XXXX. I sent them a check on a closed account which is used for set off and adjustments. They refused the instrument. I resent the check with the same result.
I sent them an A... | Company believes it acted appropriately as authorized by contract or law | Veros Credit, LLC | TX | 78233 | null | Consent provided | Web | 2023-01-18 | Closed with explanation | Yes | null | 6,453,770 |
2022-01-03 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I applied for a care credit through Synchrony bank back ion XX/XX/XXXX. At that time they started taking on some sort of fee called card security which i at no time signed up for. I called them in XXXX and last year XXXX and ask them to stop charging me for this and to cancel. Both times they said it was canceled but y... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NC | 28806 | Servicemember | Consent provided | Web | 2022-01-03 | Closed with non-monetary relief | Yes | null | 5,064,760 |
2017-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 35023 | null | Consent provided | Web | 2017-07-14 | Closed with explanation | Yes | null | 2,574,882 |
2023-07-28 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with additional products or services purchased with the loan | I have been asking my lender for a pay off letter for the last 2-3 months in order to sell my car to a dealership. The first time I asked was at the end of XX/XX/2023. I asked if they could email me a pay off letter. They asked why I would want that. And I said I want to sell my car and I need a pay off letter stating ... | null | LOBEL FINANCIAL CORPORATION | OR | 97070 | Servicemember | Consent provided | Web | 2023-07-28 | Closed with explanation | Yes | null | 7,316,613 |
2021-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have attached a copy of my ID to prove my identity so my case will not be close automatically. I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27526 | null | Consent provided | Web | 2021-08-14 | Closed with explanation | Yes | null | 4,631,736 |
2017-06-15 | 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 | XXXX / XXXX / XXXX ... the XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX ... the XXXX XXXX . XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX ... XXXX the XXXX XXXX . XXXX town of XXXX rescue XXXX XXXX the XXXX XXXX XXXX town of XXXX rescue XXXX / XXXX / XXXX ... XX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ME | 040XX | null | Consent provided | Web | 2017-06-15 | Closed with non-monetary relief | Yes | null | 2,544,415 |
2023-04-14 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I had signed up for a monthly service from XXXX XXXX XXXX XXXX. The agreement is for them to spray inside and outside of the home, check termite bate stations and mice bate stations. I advised them that they needed to schedule all the appointments with me so I could make sure someone was available to let them into the ... | null | Kinum, Inc., Indianapolis, IN Branch | IN | 46208 | null | Consent provided | Web | 2023-04-14 | Closed with explanation | Yes | null | 6,841,741 |
2022-11-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX ) along with ( XXXX XXXX, XXXX ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 )... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23434 | null | Consent provided | Web | 2022-11-09 | Closed with non-monetary relief | Yes | null | 6,185,036 |
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 XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXXXX/XX/XXXX XX/XX/XXXXCuAct. # XXXX, XXXX Bank XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXXAct. # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 62221 | Servicemember | Consent provided | Web | 2022-06-01 | Closed with non-monetary relief | Yes | null | 5,623,357 |
2020-08-10 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | This company is trying to collect {$110.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CONTRACT CALLERS INC | TX | 78628 | null | Consent provided | Web | 2020-08-18 | Closed with explanation | Yes | null | 3,787,830 |
2023-08-24 | Vehicle loan or lease | Loan | Getting a loan or lease | Fraudulent loan | XX/XX/XXXX mailed letter to Exerter Finance. Spoke to XXXX Account manager.
XX/XX/XXXX Spoke to Another Account manager XXXX.
Spoke to Director of Accounts XXXX XX/XX/XXXX Director XXXX call XXXX expressing company denial of identity theft, or fraudulent assignment of contract. My signature, nor consent was given. Th... | null | Exeter Finance Corp. | GA | 30263 | null | Consent provided | Web | 2023-08-25 | Closed with explanation | Yes | null | 7,450,544 |
2018-10-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESUL... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10305 | null | Consent provided | Web | 2018-10-20 | Closed with explanation | Yes | null | 3,051,724 |
2023-09-18 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77379 | null | Consent provided | Web | 2023-09-18 | Closed with non-monetary relief | Yes | null | 7,564,546 |
2023-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX 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 upd... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 765XX | null | Consent provided | Web | 2023-05-15 | Closed with non-monetary relief | Yes | null | 6,975,156 |
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