Date received
stringdate 2011-12-01 00:00:00
2025-09-20 00:00:00
| Product
stringclasses 21
values | Sub-product
stringclasses 86
values | Issue
stringclasses 178
values | Sub-issue
stringclasses 272
values | Consumer complaint narrative
stringlengths 4
36k
⌀ | Company public response
stringclasses 11
values | Company
stringlengths 3
88
| State
stringclasses 63
values | ZIP code
stringlengths 5
5
⌀ | Tags
stringclasses 3
values | Consumer consent provided?
stringclasses 4
values | Submitted via
stringclasses 7
values | Date sent to company
stringdate 2011-12-01 00:00:00
2025-09-20 00:00:00
| Company response to consumer
stringclasses 8
values | Timely response?
stringclasses 2
values | Consumer disputed?
stringclasses 2
values | Complaint ID
stringlengths 1
8
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2025-09-18
|
Student loan
|
Private student loan
|
Dealing with your lender or servicer
|
Don't agree with the fees charged
| null | null |
Meritize Financial Inc.
|
TX
|
75237
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16027720
|
2025-09-05
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Experian Information Solutions Inc.
|
MS
|
39046
| null | null |
Web
|
2025-09-05
|
In progress
|
Yes
| null |
15762544
|
2025-09-04
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Experian Information Solutions Inc.
|
IL
|
60619
| null | null |
Web
|
2025-09-04
|
In progress
|
Yes
| null |
15729721
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
76011
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
15986132
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77346
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16023385
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
10473
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16035572
|
2025-03-29
|
Checking or savings account
|
Checking account
|
Closing an account
|
Company closed your account
| null | null |
HSBC NORTH AMERICA HOLDINGS INC.
|
TX
|
75803
| null |
Consent not provided
|
Web
|
2025-03-29
|
Closed with explanation
|
Yes
| null |
12727419
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
| null | null |
EQUIFAX, INC.
|
FL
|
33309
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16017434
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MD
|
21229
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
15989095
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
Experian Information Solutions Inc.
|
MD
|
21001
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
15995876
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
LA
|
71037
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16047350
|
2025-04-24
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I recently disputed XXXX and XXXX from my Credit report and have found that XXXX is in violation of the FCRA. I have attached all documents.
| null |
EQUIFAX, INC.
|
OH
|
45013
| null |
Consent provided
|
Web
|
2025-04-24
|
Closed with explanation
|
Yes
| null |
13165620
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
EQUIFAX, INC.
|
MD
|
21229
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16045661
|
2025-09-04
|
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
| null | null |
Experian Information Solutions Inc.
|
CA
|
92551
| null | null |
Web
|
2025-09-04
|
In progress
|
Yes
| null |
15727713
|
2020-03-06
|
Debt collection
|
Other debt
|
Took or threatened to take negative or legal action
|
Threatened or suggested your credit would be damaged
|
I am submitting this complaint against Meridian Financial Collection Services for violation of the Fair Credit Reporting Act and the Fair Debt Collection Act by not responding to the request I made to provide information documenting this debt. Meridan Financial then reported this debt to the XXXX Credit Bureau without responding to my request for documentation which is in violation of the Fair Credit Reporting Act. This action has caused a great damage to my excellent credit standing that I have worked to achieve over many years. Never once providing requested documentation that I owe this debt. I do not owe this debt and will seek all legal remedies. They began their phone calls starting XX/XX/XXXX ( 15 calls ) and then sent letter for payment or a response. I responded to them by certified letter on XX/XX/XXXX within the 30 days time allowed and received a sign certified receipt dated XX/XX/XXXX. This letter was requesting requesting documentation with absolutely no response.I am a XXXX year old widow with only retirement and social security to support myself. This issue and the repeated phone calls by Meridan Financial has caused severe stress to both my physical and mental well being. I am asking for an investing of Meridan Financial who represents XXXX XXXX a XXXX XXXX violating the rights of an American citizen. I am not positive if it was Meridian Financial or XXXX XXXX but they called the city offices at XXXX XXXX MI where I am XXXX asking for information about me. Inappropriate and I believe not allowed under the collection laws.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Meridian Financial Services, Inc.
|
MI
|
48390
|
Older American
|
Consent provided
|
Web
|
2020-03-10
|
Closed with explanation
|
Yes
| null |
3557614
|
2020-01-25
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
I attempted to order a refrigerator through XXXX XXXX in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of XXXX acct XXXX XXXX/XXXX # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.
| null |
EQUIFAX, INC.
|
NJ
|
08085
| null |
Consent provided
|
Web
|
2020-01-29
|
Closed with explanation
|
Yes
| null |
3509141
|
2024-01-11
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
EQUIFAX, INC.
|
MD
|
20785
| null |
Other
|
Web
|
2024-01-11
|
Closed with non-monetary relief
|
Yes
| null |
8150461
|
2024-02-02
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
VA
|
23666
| null |
Other
|
Web
|
2024-02-02
|
Closed with explanation
|
Yes
| null |
8273816
|
2020-01-09
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null |
I am working with Freedom Mortgage ( Corp NMLS # XXXX ) on a refinance which started last month XX/XX/2019, and was supposed to close XX/XX/2019. Today is XX/XX/2019 and we have not closed.
Freedom Mortgage will not respond to my requests as to why the loan hasnt closed. They have claimed that the loan is in condo review, but my commercial insurance company that insures the HOA ( that I own ) has sent them all of the disclosures, policy info, and questionnaires they have requested. I have also sent them all of my private home owners insurance info.
It appears they have just decided they dont want to close the loan and are discriminating against me. I am not sure why as they wont indicate anything to me and will not return my requests for a status update.
The rate lock we have is going to expire and I am not sure if I need to make my payment this month.
I have No indication of the status and whether they Intend to close the loan or not. They wont communicate what is happening.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Freedom Mortgage Company
|
CO
|
802XX
| null |
Consent provided
|
Web
|
2020-01-09
|
Closed with explanation
|
Yes
| null |
3491206
|
2024-01-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
95608
| null |
Consent not provided
|
Web
|
2024-01-18
|
Closed with non-monetary relief
|
Yes
| null |
8177046
|
2023-12-15
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null |
Company believes the complaint is the result of a misunderstanding
|
CCS Financial Services, Inc.
|
FL
|
32839
| null |
Consent not provided
|
Web
|
2023-12-15
|
Closed with explanation
|
Yes
| null |
8008653
|
2023-12-28
|
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
|
Ive tried several times to have the fraud statement deleted from my credit report I have sent in written notice on several occasions and they will not delete this statement that I did not ask to be added to the credit report
| null |
EQUIFAX, INC.
|
CA
|
90805
|
Servicemember
|
Consent provided
|
Web
|
2023-12-28
|
Closed with explanation
|
Yes
| null |
8074661
|
2019-09-04
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
DE
|
19810
| null |
Consent not provided
|
Web
|
2019-09-04
|
Closed with non-monetary relief
|
Yes
| null |
3362623
|
2025-01-22
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
76006
| null |
Consent not provided
|
Web
|
2025-01-22
|
Closed with non-monetary relief
|
Yes
| null |
11686866
|
2025-06-23
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
NJ
|
07606
| null |
Consent not provided
|
Web
|
2025-06-23
|
Closed with explanation
|
Yes
| null |
14216687
|
2019-04-10
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Investigation took more than 30 days
|
I am contacting you about a matter of great concern to me. Recently, I found multiple mistakes on my credit report. As I understand it, I have the right to contest these items with Equifax, XXXX, and XXXX XXXX ; and each bureaus is required to conduct investigations into the specified accounts. I contacted the bureaus, and requested investigation via postal-mail, on XX/XX/2019. I expected to receive a response from the bureaus within 30 days, alerting me that the accounts have either been corrected or deleted. As of today, 44 days have passed without a response, and this is unacceptable.
| null |
EQUIFAX, INC.
|
NC
|
27612
| null |
Consent provided
|
Web
|
2019-04-10
|
Closed with explanation
|
Yes
| null |
3208359
|
2018-11-14
|
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
|
Discover card was clearly provided the tracking number in dispute case number : XXXX, in regards to a used black belt that the merchant sent me for purchase price dispute of {$19.00}. XXXX tracking number XXXX was clearly returned to the merchant on XX/XX/18, at XXXX XXXX, signed by XXXX, delivered in XXXX, IA, the home office location of the retailer. As of today, retailer neglected to process the credit. Additionally, Discover card could have taken 30 seconds to type in the above tracking information to show that the item was returned to the retailer. Rather, Discover card relied on the original proof of delivery provided by the retailer which is irrelevant.
| null |
DISCOVER BANK
|
NJ
|
XXXXX
| null |
Consent provided
|
Web
|
2018-11-14
|
Closed with non-monetary relief
|
Yes
| null |
3072667
|
2018-11-06
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null |
Greetings my name is XXXX XXXX and I am writing in reference to my Bayview Loan Services loan # XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX. I have reached out to Bayview repeatedly to alert them to a problem with in their system that was not reflecting the correct zero balance for my account. I have not received a response from Bayview. I sent emails to Bayview on XX/XX/XXXX and XX/XX/XXXX to the XXXX email address that was provided to me.
I also spoke to customer service on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX to inquire about a response. And both told me that my documents still had not yet been updated in the system.
This is particularly disappointing because since my loan was transferred to Bayview in XX/XX/XXXX, I have had a terrible customer service experience. I started working on a Deed in Lieu around that time and it was stalled for over two years due to lack of responsiveness from XXXX XXXX at Bayview and overall failure from Bayview to move my file forward, despite having had a complete file on three separate occasions. This repeated and seemingly deliberate failure to move forward my deed in lieu requested created a disparate impact on me and also resulted in a financial hardship on me. With the unfair, deceptive, or abusive acts and practices ( UDAAPs ) policy in mind, I filed a complaint with the CFPB last year. After CFPB involvement, my deed in lieu was finally moved forward and eventually approved in XX/XX/XXXX. At that time, I was advised that any and all debt, fees, and obligations had been dissolved and that I as no longer liable to Bayview.
However, unfortunately, I continued to receive bills/statements from Bayview. I contacted XXXX XXXX at Bayview on XX/XX/XXXX to inform her of this and she advised that this bill/statement was an error and that Bayviews system simply needed time to update. I contacted her again on XX/XX/XXXX to advise about that I was still receiving bills/statements and she said that the deed had been recorded and that I should not be receiving bills.
Nevertheless, I continued to receive bills/statements. I spoke with XXXX XXXX on XX/XX/XXXX who assured me that the deed in lieu had been approved by Bayview, that everything had been processed on your end and that she showed a XXXX balance for my loan in her system. I am frustrated and upset because I continue to receive bills/ statements and I thought that this matter had been resolved.
I am reaching out to CFPB as it seems this issue has still not been resolved. So I am asking for you to help me to rectify this situation with Bayview.
Thank you so much for the help.
| null |
Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
|
MO
|
631XX
| null |
Consent provided
|
Web
|
2018-11-06
|
Closed with explanation
|
Yes
| null |
3066828
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
75013
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16035504
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
33193
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
16007448
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Experian Information Solutions Inc.
|
NC
|
28352
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
15999571
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Experian Information Solutions Inc.
|
IN
|
47130
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
15998845
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
| null | null |
EQUIFAX, INC.
|
NY
|
10473
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16014638
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
NC
|
28027
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
15990308
|
2025-09-05
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
Experian Information Solutions Inc.
|
IL
|
60422
| null | null |
Web
|
2025-09-05
|
In progress
|
Yes
| null |
15762531
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
75052
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16016208
|
2025-02-11
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
I am writing to follow up on my complaint submitted to your office on XX/XX/XXXX, regarding charge-off accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I initially noticed these charge-offs when I pulled my credit report on XX/XX/XXXX, from XXXX.
Since that time, I have made several attempts to resolve these accounts by contacting the respective companies directly, but I have not received any updates or responses. In addition, I filed disputes with all three credit bureaus ( Experian, Equifax, and TransUnion ) regarding these accounts, but despite my efforts, I have not seen any improvements or received communication that explains the current status of these charge-offs.
As ofXX/XX/XXXX, I have not been contacted by any of the companies involved, nor have I received any further communication from your office regarding the resolution of this matter. It has now been over 30 days since my initial complaint, and I would appreciate an update on the status of my case.
I respectfully request any information on the actions being taken to resolve this issue, and any updates you can provide would be greatly appreciated.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NC
|
27103
| null |
Consent provided
|
Web
|
2025-02-11
|
Closed with explanation
|
Yes
| null |
12031573
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
| null | null |
EQUIFAX, INC.
|
FL
|
32832
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16026985
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NJ
|
08302
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
16000117
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
94303
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
15987926
|
2025-06-05
|
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
|
This is my XXXX formal complaint to the Consumer Financial Protection Bureau regarding the mishandling of unauthorized transactions, delayed support, and inaccurate credit reporting by Boeing Employees Credit Union ( BECU ). My original complaint, CFPB Case XXXX XXXX, failed to yield a satisfactory resolution, despite presenting clear evidence of unauthorized use and my proactive efforts to resolve the issue. The institutions most recent response dated XX/XX/XXXX, neither acknowledges the reported fraud nor addresses the harmful and ongoing consequences of inaccurate credit reporting.
Background Context : Trust Exploited, Fraudulent Use In late XXXX through early XXXX, I experienced severe financial hardship. During this time, I enlisted the help of a trusted individual to assist with errands and transportation. Unbeknownst to me, this individual took advantage of my vulnerable position and used my XXXX credit card to make unauthorized purchases. The most significant of these transactions occurred in Wyoming, where my credit card was usedwithout my permissionto pay for the rebuilding of a semi-truck engine, an expense clearly unrelated to my financial profile or daily needs.
At no point did I provide verbal or written authorization for this charge. I was not physically present in XXXX at the time of the transaction, nor do I own or operate a semi-truck. The individual involved did not have legal permission to use my financial instruments, and this transaction constitutes fraudulent activity.
Initial Response by XXXX : Delayed and Deficient Upon reviewing my account statements and identifying the unauthorized charge, I immediately contacted XXXX to report the fraudulent transaction and seek relief under their hardship payment arrangement policies. However, my initial attempts for assistance were dismissed or neglected. I made multiple calls in early XXXX but was only offered meaningful help after speaking to a XXXX representative named XXXX on XX/XX/XXXX.
Pariss involvement led to a hardship arrangement being initiated, but by then, the account had already begun to accrue late fees and negative reporting due to the delay in support. This failure to act promptly reflects poor internal coordination and contradicts the fair treatment expected under Regulation XXXX and FCRA XXXX ( a ) ( XXXX ) ( A ), which requires financial institutions to ensure the accuracy and integrity of the data they furnish.
Good Faith Payments Despite Financial and Emotional Toll Even though I was the victim of fraud and had no obligation to pay for these unauthorized charges, I took full responsibility and made good faith payments. Specifically : On XX/XX/XXXX, I made a payment that satisfied the XXXX due date.
Shortly thereafter, I made a {$6000.00} payment, which significantly reduced the account balance.
These payments were made not because I was liable for the charges, but because I was trying to maintain a good relationship with XXXX and protect my credit historydespite the emotional distress, financial strain, and violation of trust I endured.
XXXX XX/XX/XXXX Response : Inadequate and Legally Deficient XXXX XX/XX/XXXX, letter ignored key aspects of my report : It acknowledged receipt of payments but refused to consider the fraud or the nature of the unauthorized charges.
It claimed that delinquent reporting was valid under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX, but made no mention of my report of unauthorized use or the specifics of the Wyoming charge.
It failed to provide any evidence of a proper fraud investigation, which they are obligated to conduct under FCRA XXXX and XXXX ( b ) once a dispute has been submitted.
No documentation or receipts were sent confirming they reviewed the XXXX charge or contacted the vendor involved.
Legal Violations and Procedural Gaps FCRA XXXX ( a ) requires a furnisher to perform a reasonable reinvestigation upon disputeBECU failed to do this.
FCRA XXXX ( b ) mandates that if fraud is alleged and a dispute is submitted via a consumer reporting agency, the furnisher ( BECU ) must investigate and report the findings. No such investigation occurred here.
Under Regulation XXXX ( XXXX XXXX XXXX ), XXXX had a duty to correct or delete incomplete or inaccurate informationbut instead they continued reporting delinquency tied to a fraudulent transaction.
By failing to act upon the XXXX report and now ignoring the second, XXXX is showing a pattern of willful noncompliance, which XXXX constitute negligence or willful violation, opening the door to civil liability under FCRA XXXX and XXXX.
Summary of Impact A fraudulent charge made in a different state, by someone who exploited my trust, continues to weigh on my credit report.
I am a documented hardship customer who made multiple good faith payments despite not being liable for the original charge.
I reported the charge XXXX but XXXX has never acknowledged it as fraud or conducted an appropriate investigation.
This has caused undue emotional distress, credit score damage, and limited my access to financial products that I would otherwise qualify for.
| null |
BOEING EMPLOYEES CREDIT UNION
|
WA
|
98908
| null |
Consent provided
|
Web
|
2025-06-05
|
Closed with explanation
|
Yes
| null |
13903599
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
EQUIFAX, INC.
|
TX
|
75039
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16038063
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
Experian Information Solutions Inc.
|
NY
|
11414
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
15998252
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MD
|
21244
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
16007124
|
2025-09-17
|
Debt collection
|
Other debt
|
Written notification about debt
|
Notification didn't disclose it was an attempt to collect a debt
| null | null |
Experian Information Solutions Inc.
|
NC
|
280XX
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
16003052
|
2025-09-19
|
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
| null | null |
EQUIFAX, INC.
|
MD
|
21061
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16060154
|
2025-04-14
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
| null |
EQUIFAX, INC.
|
MD
|
20785
| null |
Consent provided
|
Web
|
2025-04-14
|
Closed with non-monetary relief
|
Yes
| null |
12980395
|
2025-07-20
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NC
|
27607
| null |
Consent not provided
|
Web
|
2025-07-20
|
Closed with explanation
|
Yes
| null |
14788308
|
2025-09-17
|
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
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77494
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
16002056
|
2023-09-06
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
VT
|
054XX
| null |
Other
|
Web
|
2023-09-06
|
Closed with non-monetary relief
|
Yes
| null |
7506491
|
2025-06-20
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
Let me be absolutely clearthis complaint is not submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These errors are causing ongoing and serious harm to my financial standing and personal well-being.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CT
|
068XX
| null |
Consent provided
|
Web
|
2025-06-20
|
Closed with non-monetary relief
|
Yes
| null |
14166894
|
2021-01-21
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with a credit reporting company's investigation into an existing problem
|
Investigation took more than 30 days
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77015
| null |
Consent not provided
|
Web
|
2021-01-21
|
Closed with explanation
|
Yes
| null |
4084362
|
2021-12-18
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
AL
|
35226
| null |
Consent not provided
|
Web
|
2021-12-18
|
Closed with explanation
|
Yes
| null |
5021915
|
2018-01-18
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, XXXX, Equifax ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life!
XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Equifax : XXXX XXXX- Account Number XXXX
| null |
EQUIFAX, INC.
|
CA
|
91202
| null |
Consent provided
|
Web
|
2018-01-18
|
Closed with explanation
|
Yes
| null |
2786504
|
2025-08-23
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
Experian Information Solutions Inc.
|
FL
|
34669
| null | null |
Web
|
2025-08-23
|
In progress
|
Yes
| null |
15466422
|
2024-11-12
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy.
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
| null |
EQUIFAX, INC.
|
FL
|
335XX
| null |
Consent provided
|
Web
|
2024-11-12
|
Closed with non-monetary relief
|
Yes
| null |
10774122
|
2025-09-05
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
EQUIFAX, INC.
|
FL
|
33463
| null | null |
Web
|
2025-09-05
|
In progress
|
Yes
| null |
15758615
|
2024-09-03
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
EQUIFAX, INC.
|
DE
|
19709
| null |
Consent not provided
|
Web
|
2024-09-03
|
Closed with non-monetary relief
|
Yes
| null |
10007937
|
2012-03-21
|
Mortgage
|
Other mortgage
|
Loan modification,collection,foreclosure
| null | null | null |
WELLS FARGO & COMPANY
|
NY
|
10010
| null | null |
Referral
|
2012-03-22
|
Closed without relief
|
Yes
|
No
|
39918
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Was not notified of investigation status or results
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77043
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16011515
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MA
|
02125
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16037970
|
2025-09-17
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
SC
|
295XX
| null | null |
Web
|
2025-09-17
|
In progress
|
Yes
| null |
16011572
|
2024-12-21
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
11706
| null |
Consent not provided
|
Web
|
2024-12-21
|
Closed with non-monetary relief
|
Yes
| null |
11242541
|
2023-02-15
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NC
|
28213
| null |
Consent not provided
|
Web
|
2023-02-15
|
Closed with explanation
|
Yes
| null |
6575040
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
770XX
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16014710
|
2023-01-13
|
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 Experian after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this XXXX account on my personal profile, I noticed that there was a erroneous Account on my credit report which is misleading to me. I sent a letter to Experian on XX/XX/XXXX. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this account will be corrected.
XXXX XXXX XXXX {$370.00}
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
FL
|
34746
| null |
Consent provided
|
Web
|
2023-01-13
|
Closed with explanation
|
Yes
| null |
6438735
|
2020-08-20
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
30044
| null |
Consent not provided
|
Web
|
2020-08-20
|
Closed with explanation
|
Yes
| null |
3805768
|
2017-12-22
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
CA
|
94558
| null |
Consent not provided
|
Web
|
2017-12-22
|
Closed with explanation
|
Yes
| null |
2763111
|
2024-06-14
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
| null |
EQUIFAX, INC.
|
TX
|
76115
| null |
Consent provided
|
Web
|
2024-06-14
|
Closed with explanation
|
Yes
| null |
9265759
|
2025-09-19
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
EQUIFAX, INC.
|
GA
|
30060
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16056538
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
| null | null |
EQUIFAX, INC.
|
FL
|
33177
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16034785
|
2022-09-23
|
Debt collection
|
Auto debt
|
Attempts to collect debt not owed
|
Debt was paid
| null | null |
Sensible Auto Lending, LLC
|
CT
|
06078
| null | null |
Postal mail
|
2022-09-23
|
Closed with explanation
|
Yes
| null |
6011984
|
2025-07-03
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
TX
|
77084
| null |
Consent not provided
|
Web
|
2025-07-03
|
Closed with explanation
|
Yes
| null |
14443868
|
2025-09-09
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
ALLY FINANCIAL INC.
|
AL
|
36027
| null | null |
Web
|
2025-09-10
|
In progress
|
Yes
| null |
15813082
|
2025-09-11
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
AZ
|
85033
| null | null |
Web
|
2025-09-11
|
In progress
|
Yes
| null |
15886690
|
2025-04-07
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Old information reappears or never goes away
|
There are addresses being reported to my consumer report resulting from the data breach with Equifax and XXXX. I have contacted each bureau by phone and followed with a letter by certified mail requesting that this incorrect information be removed from my credit report. Furnishing this inaccurate information is in violation of 15 usc 1681b and 15 usc 1681 c-2.
Please delete this inaccurate information and use the address listed on my Identification
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
GA
|
30076
| null |
Consent provided
|
Web
|
2025-04-07
|
Closed with explanation
|
Yes
| null |
12854811
|
2025-07-04
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NV
|
89031
| null |
Consent not provided
|
Web
|
2025-07-04
|
Closed with explanation
|
Yes
| null |
14456510
|
2025-03-12
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
AR
|
72956
| null |
Consent not provided
|
Web
|
2025-03-12
|
Closed with non-monetary relief
|
Yes
| null |
12440960
|
2025-01-14
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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.
|
FL
|
33063
| null |
Consent provided
|
Web
|
2025-01-14
|
Closed with explanation
|
Yes
| null |
11509876
|
2024-12-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
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 RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
78724
| null |
Consent provided
|
Web
|
2024-12-18
|
Closed with non-monetary relief
|
Yes
| null |
11195468
|
2025-09-08
|
Debt collection
|
Credit card debt
|
Took or threatened to take negative or legal action
|
Threatened or suggested your credit would be damaged
| null | null |
Resurgent Capital Services L.P.
|
VA
|
23666
| null | null |
Web
|
2025-09-08
|
In progress
|
Yes
| null |
15783025
|
2025-09-18
|
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
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
31008
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16019693
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information is missing that should be on the report
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
CA
|
90301
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16015731
|
2025-09-05
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
LEXISNEXIS
|
MI
|
48909
| null | null |
Web
|
2025-09-05
|
Closed with explanation
|
Yes
| null |
15757401
|
2025-09-18
|
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
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
IL
|
60652
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16021439
|
2025-09-18
|
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
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
77406
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16033321
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
TX
|
75244
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16050839
|
2025-04-29
|
Debt collection
|
I do not know
|
False statements or representation
|
Attempted to collect wrong amount
| null | null |
Resurgent Capital Services L.P.
|
FL
|
32091
| null |
Consent not provided
|
Web
|
2025-04-29
|
Closed with explanation
|
Yes
| null |
13234652
|
2024-02-19
|
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 NumberXXXX Account Name : XXXX XXXX XXXXXXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
75002
| null |
Consent provided
|
Web
|
2024-02-19
|
Closed with non-monetary relief
|
Yes
| null |
8369194
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
| null | null |
EQUIFAX, INC.
|
CA
|
91107
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16053468
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
FL
|
32444
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16062913
|
2025-09-10
|
Debt collection
|
Credit card debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Resurgent Capital Services L.P.
|
TX
|
78006
| null | null |
Web
|
2025-09-11
|
Closed with explanation
|
Yes
| null |
15852287
|
2018-03-15
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt is not yours
|
On or around XXXX 2017, an erroneous medical collections appeared on my credit reports from Capio Partners. They are now the 3rd or 4th company that has attempted to re-age and re-report this debt that does not belong to me.
The reason I am contacting CFPB is because : NO CONTRACT/INVALID CONTRACT/HIPAA VIOLATIONS/FDCPA VIOLATIONS/DEBT RE-AGING/INVALID INFORMATION I have not received any paperwork from Capio Partners. Instead, I have received harassing phone calls. I have attempted numerous times when they have called me to ask for debt validation and also asked them to stop calling me. I still have been receiving harassing phone calls. I still have received NO paperwork or debt validation from Capio Partners, showing that I signed any contract with their company.
This violates my consumer rights under the FDCPA. I have been keeping track and they have violated my rights over 10 times -- according to the FDCPA, I am entitled to {$1000.00} per violation, should I decide to pursue my legal options.
Additionally, IF Capio Partners were to produce ANY paperwork related to this supposed medical debt, they would also be in violation of HIPAA patient privacy laws. I have never had a contract with Capio Partners in the past, present or future and never authorized or gave my expressed consent to give them access to any and all medical records, which are not limited to and also include medical billing statement for myself or any dependents in the past, present or future. I do NOT have any contracts with Capio Parnters.
They are in clear violation of the FDCPA and HIPAA.
I am requesting that they : 1 ) Immediately cease and desist from all collection attempts on this account, now and in the future, including but not limited to ceasing and desisting from re-selling or re-aging this debt to another company 2 ) Immediately remove this account from all of my credit bureaus and reports, namely XXXX, XXXX and XXXX now and cease and desist from any and all attempts to place it back on there in the future If my request is not immediately complied with, I will be contacting an attorney to pursue my legal options.
| null |
Capio Partners, LLC
|
MI
|
48047
| null |
Consent provided
|
Web
|
2018-03-15
|
Closed with non-monetary relief
|
Yes
| null |
2844852
|
2025-09-18
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
| null | null |
EQUIFAX, INC.
|
TX
|
77028
| null | null |
Web
|
2025-09-18
|
In progress
|
Yes
| null |
16037456
|
2024-11-12
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MI
|
48507
| null |
Consent not provided
|
Web
|
2024-11-12
|
Closed with non-monetary relief
|
Yes
| null |
10774582
|
2025-09-01
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
| null | null |
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MS
|
XXXXX
| null | null |
Web
|
2025-09-01
|
In progress
|
Yes
| null |
15646193
|
2025-09-04
|
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
| null | null |
Experian Information Solutions Inc.
|
FL
|
32822
| null | null |
Web
|
2025-09-04
|
In progress
|
Yes
| null |
15723802
|
2025-09-19
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Investigation took more than 30 days
| null | null |
EQUIFAX, INC.
|
FL
|
33634
| null | null |
Web
|
2025-09-19
|
In progress
|
Yes
| null |
16039767
|
2025-01-26
|
Credit reporting or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Experian Information Solutions Inc.
|
NY
|
11580
| null |
Consent not provided
|
Web
|
2025-01-26
|
Closed with explanation
|
Yes
| null |
11779255
|
2025-09-10
|
Debt collection
|
I do not know
|
False statements or representation
|
Attempted to collect wrong amount
| null | null |
CONTRACT CALLERS INC
|
GA
|
30080
| null | null |
Web
|
2025-09-11
|
Closed with explanation
|
Yes
| null |
15815417
|
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