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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2021-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I GOT LAID OFF DUE TO XXXX AND XXXX XXXX XXXX. I WAS UNABLE TO MAKE MINIMUM PAYMENTS FOR XXXX AND XXXX OF XXXX DUE TO UNEMPLOYMENT TAKING MONTHS. I HAVE NOW PAID THE PAST DUE BALANCE AND WILL CONTINUTE ON WITH MY REGULAR PAYMENTS OFF OF THE ACCOUNT. I HAVE NEVER HAD A MISSED PAYMENT SINCE XXXX. THE NEGATIVE REPORTING ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 011XX | null | Consent provided | Web | 2021-08-25 | Closed with explanation | Yes | null | 4,662,521 |
2021-01-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | XXXXX | null | Consent provided | Web | 2021-01-24 | Closed with explanation | Yes | null | 4,089,345 |
2020-02-16 | 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 College reports to their collection agency Conserve negative inaccurate information account XXXX shows on my credit report. As of XX/XX/XXXX, this account with XXXX XXXX College- XXXX XXXX was open, and closed on XX/XX/XXXX ; the first date account late XXXX XXXX. The statute of limitations has expired as of ... | null | Continental Services Group, Inc. d/b/a ConServe | TX | XXXXX | null | Consent provided | Web | 2020-02-16 | Closed with explanation | Yes | null | 3,534,045 |
2022-01-09 | 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 am writing in reference to XXXX, XXXX, and Experian. These credit bureaus have ignored repeated request to correct multiple errors reporting on my credit report. Per the Fair Credit Reporting Act everything being reported by the credit bureaus should be identical! However, the credit bureaus have failed me. They are ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07104 | null | Consent provided | Web | 2022-01-09 | Closed with explanation | Yes | null | 5,086,841 |
2023-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights.
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights.
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # # # # # # XXXX, has violated my rig... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33023 | null | Consent provided | Web | 2023-04-28 | Closed with non-monetary relief | Yes | null | 6,904,415 |
2021-03-25 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | Collection Bureau of Ft. Walton Beach , INC sent me directly to collections for an XXXX bill dated XX/XX/XXXX. The amount is {$290.00}. This is the first I have heard of the bill as we were never sent any request for payment in 6 years. I was XXXX XXXX XXXX and hit by a drunk driver. My insurance should have covered al... | null | Collection Bureau of Fort Walton Beach, Inc | NM | 87120 | Servicemember | Consent provided | Web | 2021-03-25 | Closed with explanation | Yes | null | 4,243,059 |
2021-11-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unve... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34219 | null | Consent provided | Web | 2021-11-30 | Closed with non-monetary relief | Yes | null | 4,926,988 |
2018-09-07 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Other problem | I received a letter from a department store - informing me that they will reduce my credit limit if I don't make a purchase in 2 months. Not sure if this is legal, but, I feel they shouldn't threaten to reduce my credit limit, which was based primarily on my excellent credit history. If I don't have a need to purchase ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 92606 | Servicemember | Consent provided | Web | 2018-09-17 | Closed with explanation | Yes | null | 3,013,176 |
2019-06-26 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | This showed up on all 3 major credit bureaus as a collection item on my credit report. There was no notice ever sent by Portfolio Recovery Associates. I sent a letter to them requesting copy of original statement with my signature and they have failed to respond to the two letters sent certified mail. Unless they can p... | null | PORTFOLIO RECOVERY ASSOCIATES INC | MD | 21502 | Servicemember | Consent provided | Web | 2019-06-26 | Closed with explanation | Yes | null | 3,287,199 |
2022-07-15 | 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 have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Me... | null | EQUIFAX, INC. | TX | 770XX | null | Consent provided | Web | 2022-07-15 | Closed with explanation | Yes | null | 5,776,416 |
2018-04-03 | 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. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authoriz... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77077 | null | Consent provided | Web | 2018-04-03 | Closed with non-monetary relief | Yes | null | 2,863,173 |
2020-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XX/XX/XXXX to present. Creditor, Boeing Employees Credit Union, is reporting outdated information in remarks which are reflected on XXXX XXXX credit report.
XXXX BOEING EMPLOYEES CU # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Install... | null | BOEING EMPLOYEES CREDIT UNION | CA | XXXXX | null | Consent provided | Web | 2020-08-05 | Closed with non-monetary relief | Yes | null | 3,779,956 |
2018-07-04 | 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 | Good Morning to whom it may concern I am writting regarding an Complaint that I have with XXXX and XXXX. The account in question is XXXX/WALMAR XXXX high limit {$700.00} and XXXX {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no othe... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 32311 | null | Consent provided | Web | 2018-07-04 | Closed with explanation | Yes | null | 2,953,311 |
2020-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX ; XXXX and Transunion should not be reporting that I am ( 30 - 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to proceed with investigating this complaint. ) Also... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 060XX | null | Consent provided | Web | 2020-07-14 | Closed with explanation | Yes | null | 3,744,586 |
2021-11-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report.
Enclosed are copies of my credit report and other documen... | null | EQUIFAX, INC. | PA | 19149 | null | Consent provided | Web | 2021-11-24 | Closed with explanation | Yes | null | 4,943,844 |
2017-03-09 | Debt collection | Credit card | Disclosure verification of debt | Not given enough info to verify debt | THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT. | null | PORTFOLIO RECOVERY ASSOCIATES INC | MO | 631XX | null | Consent provided | Web | 2017-03-09 | Closed with explanation | Yes | No | 2,379,083 |
2021-07-06 | 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 also beginning the process to file a civil suit because I have sent letters and certified them to experian about the inquiry about seven months ago by XXXX XXXX XXXX. I never authorized the inquiry.
I have been refused any and all supporting documentation so that I can find the cause of the inquiry.
I have been... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 78223 | null | Consent provided | Web | 2021-07-06 | Closed with explanation | Yes | null | 4,520,184 |
2023-08-02 | 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 | Experian Information Solutions Inc. | NC | 274XX | null | Consent provided | Web | 2023-08-02 | In progress | Yes | null | 7,339,085 |
2023-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | It has come to my attention that the credit bureaus keep sending me letters that the accounts I am disputing are returning as verified as accurate HOWEVER I HAVE ASKED for the credit bureaus to send me wet signature proof that the account belongs to me I have notfied in numerous occasions that I was a victim of of iden... | null | EQUIFAX, INC. | FL | 34772 | null | Consent provided | Web | 2023-04-12 | Closed with explanation | Yes | null | 6,831,763 |
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 | My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness o... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23188 | null | Consent provided | Web | 2022-10-19 | Closed with explanation | Yes | null | 6,097,611 |
2023-04-07 | 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,... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 291XX | null | Consent provided | Web | 2023-04-07 | Closed with non-monetary relief | Yes | null | 6,801,355 |
2020-10-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I never had a XXXX account nor XXXX XXXX XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34221 | null | Consent provided | Web | 2020-10-24 | Closed with explanation | Yes | null | 3,916,639 |
2023-05-11 | 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 find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60643 | null | Consent provided | Web | 2023-05-11 | Closed with non-monetary relief | Yes | null | 6,965,472 |
2023-01-05 | 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 compromised. 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 & block any items which are found to be opened due to identity theft... | 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 | 2023-01-05 | Closed with explanation | Yes | null | 6,395,264 |
2018-06-03 | 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 | Collections on my credit report inwhich I have no knowledge of, the following accounts has been disputed, however, I was never provided any physical verification as promised by the FCRA. According to the FCRA if the disputed items is not backed up with physical verification then them accounts shall be removed. The foll... | null | EQUIFAX, INC. | MO | 63139 | null | Consent provided | Web | 2018-06-03 | Closed with explanation | Yes | null | 2,925,227 |
2022-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my... | null | EQUIFAX, INC. | GA | XXXXX | null | Consent provided | Web | 2022-08-14 | Closed with explanation | Yes | null | 5,878,062 |
2022-05-23 | 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 XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$170.00} XXXXXXXX XXXXXXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights.
15 U.S.C 1681 section 602 A. States have t... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 797XX | null | Consent provided | Web | 2022-05-23 | Closed with non-monetary relief | Yes | null | 5,591,218 |
2019-12-06 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | This complaint is about XXXX XXXX not telling me in advance how much my prescription of XXXX was going to be in advance before shipping out. (According to my physicians office no other specialty mail order company ever ships an expensive drug to the patient with out getting a payment from the patient first) and als... | null | Collection Management Company | CT | 06450 | null | Consent provided | Web | 2019-12-10 | Closed with explanation | Yes | null | 3,460,606 |
2023-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate.
I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research.
These are the ONLY personal inf... | null | EQUIFAX, INC. | DE | 197XX | null | Consent provided | Web | 2023-01-11 | Closed with explanation | Yes | null | 6,419,499 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again.... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33054 | null | Consent provided | Web | 2023-06-08 | Closed with explanation | Yes | null | 7,086,584 |
2021-05-04 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Mountain run Solution is reporting on my credit report an account that is not mine, saying that this account was being paid from XXXX to XXXX, I contacted them and asked them more than once for an account verification, as well as proof that those payments were made by me, they have never provided me with account verifi... | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Mountain Run Solutions, LLC | GA | XXXXX | null | Consent provided | Web | 2021-06-16 | Closed with explanation | Yes | null | 4,350,901 |
2019-02-24 | 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'm disputing the following accounts once again, cause when I disputed them before the credit agencies ignored my request by not explaining to me how they derived to responding by saying accounts verified. Verified by whom there's no possible legal investigated way that these accounts was legally verified. Please send ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 631XX | null | Consent provided | Web | 2019-02-24 | Closed with explanation | Yes | null | 3,161,543 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I reviewed my credit report. I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information wi... | null | EQUIFAX, INC. | FL | 32246 | null | Consent provided | Web | 2023-06-07 | Closed with non-monetary relief | Yes | null | 7,081,856 |
2022-06-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS. | null | EQUIFAX, INC. | NY | 122XX | null | Consent provided | Web | 2022-06-25 | Closed with explanation | Yes | null | 5,708,964 |
2020-11-06 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I went Grocery Shopping at XXXX on XX/XX/2020 and my groceries came up to {$230.00}. On Wednesday, XX/XX/2020, while I was reviewing my checking account transactions online, I discovered a charge of {$12.00} that was made. I immediately called USAA Federal Savings Bank and informed of them of the suspicious charge. The... | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | VA | 22407 | Servicemember | Consent provided | Web | 2020-11-06 | Closed with explanation | Yes | null | 3,939,331 |
2020-03-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My identity was stolen in 2016 resulting in bank closures and credit cards over drafted. I tried to settle the issues with the companies directly and received some levels of success into discharging the debts per the original companies. I then filed a police and an FTC identity theft report and listed those debts on th... | null | EQUIFAX, INC. | CA | 93725 | null | Consent provided | Web | 2020-03-19 | Closed with explanation | Yes | null | 3,572,920 |
2020-08-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In response to my complaint XXXX Transunion responded : '' We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | XXXXX | null | Consent provided | Web | 2020-08-18 | Closed with explanation | Yes | null | 3,801,447 |
2023-02-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without produci... | null | EQUIFAX, INC. | FL | 33702 | null | Consent provided | Web | 2023-02-07 | Closed with explanation | Yes | null | 6,534,299 |
2023-06-24 | 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 | Based on the FCRA law Experian is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in XXXX. This is not true. The debt was bought from XXXX for a account created over ten years ago. Experian refus... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | Servicemember | Consent provided | Web | 2023-06-24 | Closed with explanation | Yes | null | 7,161,389 |
2023-09-05 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Unauthorized inquiries on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11420 | null | Consent provided | Web | 2023-09-05 | Closed with non-monetary relief | Yes | null | 7,505,168 |
2019-10-02 | Debt collection | Medical debt | False statements or representation | Impersonated attorney, law enforcement, or government official | XXXX XXXX XXXX is violating federal law XXXX5 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney | null | CURO Intermediate Holdings | CA | 92139 | null | Consent provided | Web | 2019-10-02 | Closed with explanation | Yes | null | 3,393,767 |
2023-03-14 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Please refer to previous complaint : XXXX. My son 's Navy Federal Credit Union XXXX XXXX account was hacked and nearly {$9000.00} was stolen by person ( s ) unbeknownst to us. Regarding our previous complaint, Navy Federal 's " investigation '' of this event had gone on for a long period of time and our complaint was p... | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | VA | 23454 | null | Consent provided | Web | 2023-03-14 | Closed with explanation | Yes | null | 6,693,852 |
2022-12-16 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Someone from Caine & Weiner contacted me saying I owed {$390.00} to XXXX and they are collecting on their behalf. I dont owe it and I also, in writing, told them not to contact me again, but sure enough they did. And they showed me a screenshot of something that anyone can pull up on the State of Michigan business enti... | null | CAINE & WEINER COMPANY, INC. | MI | 49009 | null | Consent provided | Web | 2022-12-16 | Closed with explanation | Yes | null | 6,323,642 |
2021-06-04 | 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 | My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 119XX | null | Consent provided | Web | 2021-06-04 | Closed with non-monetary relief | Yes | null | 4,429,849 |
2021-07-31 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I sent THE BUREAUS INC a cease and desist order with a debt validation letter attached on XX/XX/21. The letters were sent certified mail with a green receipt number XXXX XXXX XXXX XXXX XXXX. I received my green card back on XX/XX/21 and it shows that both letters were received by a person named XXXX XXXX on XX/XX/21. T... | null | The Bureaus, Inc. | NV | 89032 | null | Consent provided | Web | 2021-07-31 | Closed with explanation | Yes | null | 4,591,430 |
2017-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have had this account since XXXX XXXX . I alway s ( ALWAYS ) made on-line payments through my bank - XXXX XXXX . XXXX always ( ALWAYS ) a ccepted these payments until XXXX XXXX . In XXXX XXXX , they accepted the payments and then unbeknownst to me returned them to my XXXX XXXX checking account. In... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91324 | Servicemember | Consent provided | Web | 2017-06-12 | Closed with explanation | Yes | null | 2,507,418 |
2017-06-19 | 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 | On XXXX / XXXX / 2017 a credit inquiry was made on my credit report by Consumer Portfolio S that was without my consent and unauthorized. I have made multiple attempts to work with this company to have that inquiry removed but they have n't been willing to help. | null | Consumer Portfolio Services, Inc. | GA | 30043 | null | Consent provided | Web | 2017-06-19 | Closed with explanation | Yes | null | 2,513,164 |
2022-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | 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 about 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. | VA | 22152 | null | Consent provided | Web | 2022-04-08 | Closed with explanation | Yes | null | 5,426,134 |
2017-11-27 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | In XX/XX/XXXX I received a bill for an urgent care visit for my daughter. According to the bill insurance had n't paid and the entire balance was owed by me. I called the original creditor and asked them to bill XXXX XXXX as my daughter had insurance. They said they would. Every month I received another bill and I woul... | Company believes it acted appropriately as authorized by contract or law | TENET HEALTHCARE CORPORATION | WA | 983XX | Servicemember | Consent provided | Web | 2017-11-27 | Closed with explanation | Yes | null | 2,738,050 |
2017-09-21 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I ne... | null | Navient Solutions, LLC. | CA | 95472 | null | Consent provided | Web | 2017-09-21 | Closed with non-monetary relief | Yes | null | 2,680,725 |
2021-10-18 | 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 applied for only one card, one time and was approved however XXXX ran my credit twice and I therefore have 2 hard inquiries on my Experian credit report from XXXX XXXX. I have wrote a letter twice requesting that they remove the duplicate hard inquiry but they are not and simply keep sending a letter asking me to pr... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 64030 | null | Consent provided | Web | 2021-10-18 | Closed with non-monetary relief | Yes | null | 4,821,405 |
2021-12-21 | Checking or savings account | Checking account | Opening an account | Unable to open an account | Citibank failed to open a new account in the stipulated timeframe, moreover, the account holder was notified on XXXX XX/XX/2021 that the account has been opened and a debit card and the welcome kit are on the way. New Account Application XXXX XXXX Citibank representative ( XXXX XXXX failed to justify the reason for del... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 336XX | null | Consent provided | Web | 2021-12-21 | Closed with non-monetary relief | Yes | null | 5,029,418 |
2019-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Dear CFPB, I, XXXX XXXX XXXX write to file a complaint against XXXX XXXX XXXX. I formally request an investigation into the criminal misconduct and professional practices of XXXX County and XXXX state employees that I believe have wasted, defrauded, and abused account access to Veterans protected information which were... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 086XX | Servicemember | Consent provided | Web | 2019-05-19 | Closed with explanation | Yes | null | 3,247,290 |
2017-06-23 | 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 | Below is the letter I sent to Citicards, which explains all of the details : My Payment always due each month on the XXXX Ive never been delinquent to Citibank, and for the couple of times I was one or two days late, I paid the hefty fee of {$35.00}. But for the record, I have never been over 30 days past due, which is... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | PA | 19114 | null | Consent provided | Web | 2017-06-23 | Closed with explanation | Yes | null | 2,557,069 |
2022-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Public record information inaccurate | I tried to rent an apartment and I was rejected because the report says that I am a XXXX XXXXXXXX. Somehow in Colorado. But I am not a XXXX XXXXXXXX. I have been in trouble for XXXX XXXX but that is all. Why is Experian telling my potential thati am a XXXX XXXX. And putting this on my credit report? I am going to sue.... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94107 | null | Consent provided | Web | 2022-09-28 | Closed with non-monetary relief | Yes | null | 6,027,121 |
2022-01-07 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | XX/XX/2021, {$510.00} this account is a fraudulent open by Someone who stolen my identity, Fraud | null | Phoenix Financial Services LLC | VA | 20111 | null | Consent provided | Web | 2022-01-07 | Closed with explanation | Yes | null | 5,083,197 |
2022-05-02 | 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, 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 instruc... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60490 | null | Consent provided | Web | 2022-05-02 | Closed with non-monetary relief | Yes | null | 5,527,377 |
2017-03-30 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Trouble with how payments are handled | I participate in the Revised Pay As You Earn payment plan for my student loans serviced by FedLoan Servicing. On XX/XX/XXXX, I received notification that I was required to re-certify my annual income and I filed a timely recertification using studentloans.gov the same day. Nearly 60 days later on XX/XX/XXXX, I received... | null | AES/PHEAA | KS | 66044 | null | Consent provided | Web | 2017-03-30 | Closed with monetary relief | Yes | No | 2,409,991 |
2021-10-06 | 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/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going ... | null | EQUIFAX, INC. | NC | 278XX | null | Consent provided | Web | 2021-10-06 | Closed with explanation | Yes | null | 4,786,746 |
2022-08-11 | 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33143 | null | Consent provided | Web | 2022-08-11 | Closed with non-monetary relief | Yes | null | 5,867,787 |
2021-03-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This has been going on for too long. If this is not resolved I will be obtaining legal help to go after Experian as well as XXXX XXXX. I am the victim and I have to jump through hoops while the person that used my good name and information is spending their time on some type of new furniture.
Why did I get the below ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | null | Consent provided | Web | 2021-03-18 | Closed with non-monetary relief | Yes | null | 4,225,670 |
2023-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past le... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92530 | null | Consent provided | Web | 2023-03-17 | Closed with non-monetary relief | Yes | null | 6,712,778 |
2023-03-18 | 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 XXXX XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have th... | null | EQUIFAX, INC. | WI | 53209 | null | Consent provided | Web | 2023-03-18 | Closed with explanation | Yes | null | 6,715,431 |
2022-01-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or em... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IA | 515XX | null | Consent provided | Web | 2022-01-02 | Closed with explanation | Yes | null | 5,062,914 |
2019-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX and Transunion are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see pages 58 and 59 of the attached credit report. ) Thid account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that i... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77489 | null | Consent provided | Web | 2019-05-06 | Closed with explanation | Yes | null | 3,233,513 |
2020-05-21 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an i... | Company can't verify or dispute the facts in the complaint | Choice Recovery, Inc. | FL | 32216 | null | Consent provided | Web | 2020-05-21 | Closed with explanation | Yes | null | 3,662,957 |
2021-10-06 | 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 did not consent to authorize the following inquiries nor do i have an account with the listed persons. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07304 | null | Consent provided | Web | 2021-10-06 | Closed with explanation | Yes | null | 4,784,269 |
2021-11-10 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total viola... | null | Bread Financial Holdings, Inc. | CA | 93637 | null | Consent provided | Web | 2021-11-10 | Closed with explanation | Yes | null | 4,895,444 |
2021-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately delet... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | GA | 30213 | null | Consent provided | Web | 2021-09-28 | Closed with explanation | Yes | null | 4,760,673 |
2021-12-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working. | null | OneMain Finance Corporation | FL | 32277 | null | Consent provided | Web | 2021-12-17 | Closed with explanation | Yes | null | 5,019,454 |
2022-12-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 273XX | null | Consent provided | Web | 2022-12-28 | Closed with explanation | Yes | null | 6,368,545 |
2015-09-18 | Debt collection | Auto | Communication tactics | Frequent or repeated calls | Between XX/XX/XXXX and XXXX 2015 they called me 7 days a week 5-7 times a day for a total of about 300 calls within a 45 day period | null | Exeter Finance Corp. | IN | 46201 | null | Consent provided | Web | 2015-09-18 | Closed with explanation | Yes | No | 1,569,998 |
2019-08-26 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXX, I received a call from XXXX XXXX at Asset Recovery Associates ( XXXX ) who informed me I had an outstanding debt with XXXX XXXX credit card company that had been turned over to them for collection. The original amount they claimed I owed was {$3200.00}, but were offering me a settlement of {$2200.00} if ... | null | Financial Credit Service, Inc. | CA | 95076 | null | Consent provided | Web | 2019-08-27 | Closed with explanation | Yes | null | 3,354,568 |
2022-09-10 | 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 US BANKRUPTCY COURT- ; Case or ID # - XXXX, CCS Collection Service XXXX XXXX XXXX XXXX XXXX US Dept of Education has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy.
604 a section 2. Also state a consumer reporting agency can not furnish your account w... | Company can't verify or dispute the facts in the complaint | CCS Financial Services, Inc. | GA | 30549 | null | Consent provided | Web | 2022-09-10 | Closed with explanation | Yes | null | 5,967,702 |
2017-08-11 | Debt collection | Other debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | On XXXX XXXX 2017 @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number p... | null | Northeast Collection Bureau | CA | 92505 | null | Consent provided | Web | 2017-08-11 | Closed with explanation | Yes | null | 2,602,418 |
2018-04-07 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | OnXX/XX/XXXX I applied for a total and XXXX XXXX Discharged with the XXXX XXXX XXXX XXXX I was approved on XX/XX/XXXX of my approval on my discharge of all student loans with NELNET. The amount was for a total of XXXX to be discharged. The said it would be reported at the end of the month to all three credit company... | null | Nelnet, Inc. | NV | 89148 | null | Consent provided | Web | 2018-04-07 | Closed with explanation | Yes | null | 2,867,689 |
2022-01-09 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I have repeatedly asked this company, under federal law and my legal rights, to show me proof the accounts with this company are mine and they have failed my requests. I feel this was opened by my ex-wife and is not my responsibility. I do not feel they can damage my credit, reputation, or wrongfully threaten legal act... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | IN | 46217 | null | Consent provided | Web | 2022-01-09 | Closed with explanation | Yes | null | 5,086,722 |
2023-04-13 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | The information this debt collection agency is claiming to be mine is not accurate information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TrueAccord Corp. | GA | 30067 | null | Consent provided | Web | 2023-04-13 | Closed with explanation | Yes | null | 6,835,744 |
2023-03-17 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | Per requirements for PSLF program, I used the federal self help tool prior to XX/XX/2022. I have worked over combined 41 months for XXXX agencies, most of those months included payments to two separate loan providers, one payment each, until consolidating with MOHELA in fall 2022. MOHELA has finally processed my PSLF a... | Company believes it acted appropriately as authorized by contract or law | MOHELA | OH | 432XX | null | Consent provided | Web | 2023-03-17 | Closed with non-monetary relief | Yes | null | 6,709,779 |
2017-01-19 | Student loan | Non-federal student loan | Can't repay my loan | Can't decrease my monthly payments | I graduated from California School of XXXX XXXX XX/XX/2010 and I was forced by the school to take out loans to cover the cost of my education. I had to take out a federal loan for {$10000.00} which now I owe {$7600.00} and XXXX in private student loans from XXXX XXXX which I have been paying since and the amount does n... | null | Navient Solutions, LLC. | CA | 91040 | null | Consent provided | Web | 2017-01-19 | Closed with explanation | Yes | No | 2,298,625 |
2020-09-13 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Problem with customer service | I am a cosignor on my ex wifes student loan. I have been eligible for cosignor release for many years. We are not in contact and she refuses to sign the paperwork. The servicer will not release me without signature from my exwife. This was not int the contract and i believe it is just a way to for the bank/servicer to ... | null | Nelnet, Inc. | WA | 98367 | Servicemember | Consent provided | Web | 2020-09-13 | Closed with explanation | Yes | null | 3,843,238 |
2018-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38125 | null | Consent provided | Web | 2018-03-14 | Closed with explanation | Yes | null | 2,843,066 |
2023-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | It has been 30 days and the creditor ( Shell Oil-Citi bank ) has not updated the information nor has provided proof or documentation in regards to a late payment. They have not provided the information and they must delete the alleged late payments on my credit report. Under federal law they had 30 days to complete the... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MI | 490XX | Older American | Consent provided | Web | 2023-03-31 | Closed with explanation | Yes | null | 6,778,948 |
2023-07-10 | 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.
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 reportin... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79907 | null | Consent provided | Web | 2023-07-10 | Closed with non-monetary relief | Yes | null | 7,229,683 |
2023-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Pl... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76006 | null | Consent provided | Web | 2023-06-30 | Closed with explanation | Yes | null | 7,190,570 |
2022-07-31 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | On XX/XX/22. Me and XXXX got paid and the founds were deposited inti our Wells Fargo joint account in XXXX, that afternoon all the money were from our saving account ( XXXX ) and XXXX from our checking account because of a credit card balance judgement on me only ( not my XXXX ). Under XXXX laws the joint account betwe... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | 189XX | null | Consent provided | Web | 2022-07-31 | Closed with explanation | Yes | null | 5,828,141 |
2018-03-06 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | On XX/XX/2018 at XXXX XXXX on my work phone at XXXX XXXX XXXX XXXX a missed call was received I called back and a person stated they worked at Weinberg Mediation Group. I explained that this a place of business and explained do not contact me again at my employer. The person proceeded to call back at XXXX XXXX and ask ... | Company believes it acted appropriately as authorized by contract or law | Weinberg Mediation Group LLC | DE | 19701 | Servicemember | Consent provided | Web | 2018-03-06 | Closed with explanation | No | null | 2,834,151 |
2023-02-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX 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 withou... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37130 | null | Consent provided | Web | 2023-02-10 | Closed with non-monetary relief | Yes | null | 6,551,173 |
2022-05-06 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | XX/XX/2022. I received a letter/statement that someone tried to open a bank account to get credit. | null | TD BANK US HOLDING COMPANY | VA | 23703 | null | Consent provided | Web | 2022-05-06 | Closed with non-monetary relief | Yes | null | 5,550,107 |
2022-11-03 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | THE HOME DEPOT/CBNA - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX SD XXXX XXXX - Past due report - {$83.00} {$2500.00} Open balance {$5000.00} Credit limit Problem- CitiBank continues to charge me for this card even though Home Depot has asked me not to pay until the dispute has been resolved. Home Depot Case ID : XXXX Dispu... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 32746 | Servicemember | Consent provided | Web | 2022-11-03 | Closed with monetary relief | Yes | null | 6,161,500 |
2020-01-09 | 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 | XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting o... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93312 | null | Consent provided | Web | 2020-01-09 | Closed with explanation | Yes | null | 3,490,927 |
2022-03-22 | 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 made a settlement agreement with GM Financial. The amount agreed upon was honored and paid. this should be reported on my credit report as settled and zeroed. GM Financial has since updated my credit report showing a balance less what I paid. I can not get this resolved with either experian or GM even after uploading... | null | General Motors Financial Company, Inc. | GA | 30281 | null | Consent provided | Web | 2022-03-22 | Closed with explanation | Yes | null | 5,352,588 |
2022-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX... | null | EQUIFAX, INC. | FL | 33431 | null | Consent provided | Web | 2022-08-07 | Closed with explanation | Yes | null | 5,851,057 |
2022-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I contacted the mortgage company Seterus by the number listed by the credit agencies and there was no response by phone, so I sent a certified letter to the address provided .Seterus, inc. , XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NC XXXX. XXXX | null | Mr. Cooper Group Inc. | TN | 38114 | Older American | Consent provided | Web | 2022-01-11 | Closed with explanation | Yes | null | 5,099,677 |
2023-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing o... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WA | 98198 | null | Consent provided | Web | 2023-07-13 | Closed with explanation | Yes | null | 7,249,281 |
2023-01-12 | 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 | Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested.
I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state At... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | HI | 967XX | Servicemember | Consent provided | Web | 2023-01-12 | Closed with explanation | Yes | null | 6,431,462 |
2023-02-11 | 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.
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, has violated ... | null | EQUIFAX, INC. | NH | 03820 | null | Consent provided | Web | 2023-02-11 | Closed with explanation | Yes | null | 6,561,217 |
2023-09-01 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20904 | null | Consent provided | Web | 2023-09-01 | Closed with non-monetary relief | Yes | null | 7,480,199 |
2023-04-21 | 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 | When I checked my credit report, I discovered that part of the information was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to verify certain items. It is not allowed to report these items as unconfirmed information within the legally allowed time range without providing a... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 64118 | null | Consent provided | Web | 2023-04-21 | Closed with explanation | Yes | null | 6,870,778 |
2020-01-21 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I closed my Citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was assessed a {$95.00} annual fee for the 12 month period from XX/XX/XXXX - XX/XX/XXXX. Upon contacting Citi around the issue I was told the annual fee would be refunded to my account within 1-2 statements. I thus dutifully paid this annual fee as otherwise I... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 14213 | null | Consent provided | Web | 2020-01-21 | Closed with monetary relief | Yes | null | 3,503,139 |
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