1st Franklin Financial Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/24/2021	Yes	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	GA 30213	Web	Servicemember
XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. Ive also mailed in certified letters to XXXXTracking number ( XXXX XXXX XXXX XXXX XXXX XXXX ) I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX has violated the FCRA.. XXXX has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( 4 days from todays date (XX/XX/2021). ***only correct name on credit report should be spelled as followed ( XXXX XXXX XXXX Any other name or mispelling should be removed immediately. * ( FRAUDULENT ADDRESSES ) * XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX * ( FRAUDULENT ACCOUNTS ) *** XXXX {$8100.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX. XXXX XXXX {$5100.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. XXXX XXXX XXXX XXXX XXXX XXXXPresident and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ). Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
12/09/2021	Yes	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	SC 299XX	Web
1. 1ST FRANKLIN FINANCIAL Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with 1ST FRANKLIN FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by the creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by the creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by the creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers, and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA, and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years ' worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements, or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I, therefore, demand these late payments are removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I, therefore, am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
08/13/2019	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MS 388XX	Web
1 Franklin Financial made a modification to my loan, then withdrew their modification and that same day repossessed my car. XXXX XXXX 1ffc employee XXXX XXXX had been texting me from her personal cell phone. Because my account was past due, XXXX told me on XX/XX/XXXX that she'd get my payments reduced to {$150.00} a month. She then asked if I was going to come in and pay {$150.00} or bring my car? I told her pay I'd pay the {$150.00}. My car was being fixed at the time, so I asked her how to pay a partial payment online because it was only giving me an option to pay {$340.00}. She never responded to that so I paid a payment of {$340.00} on XX/XX/XXXX. On XX/XX/XXXX I also spoke with XXXX XXXX & Mr. XXXX XXXX. I spoke with XXXX about being behind on my payment & my situation. I also told her I was trying to work something out because sadly we are in family counseling due to my childrens father committing XXXX and my daughter is in XXXX XXXX due to her dads XXXX & her grandparents XXXX XXXX her. So I need/needed my car for transportation. She said she'd contact Mr. XXXX to see what could be worked out. Shortly after, Mr. XXXX XXXX called me, explaining the modification that was worked out. {$150.00} per month for 10 months. He then told me to come sign the paperwork, I told him as soon as I got a way I would. My daughter & I went in on 2 separate occasions to sign the paperwork. I went by I believe it was the 1st week of XX/XX/XXXX and they said I'd have to come back when XXXX was there. So on Friday XX/XX/XXXX, I went in again with hopes of signing the paperwork and paying a payment of {$150.00} & again I was told XXXX was out, she was the one I needed to see. The supervisor, XXXX XXXX, called me on Thursday, XX/XX/XXXX and told me this modification or this time as he called it " offer '' had expired & was no longer available. But I wasn't told this was an offer & I wasn't given an expiration date. I was told it was a modification and I was to pay 10 payments of {$150.00} & I wouldn't owe anything else. ( Keep in mind, I paid a payment of {$340.00} XX/XX/XXXX, same same day MODIFICATION was made. ) On XX/XX/XXXX within 2 hours of speaking with XXXX XXXX, 2 repo men knocked at my door & with my car already hooked up and in the road, 1 of the men said " we need your keys. '' They didn't show me an order for repossession or any type of paperwork, just " we need your keys. '' So shortly after, I contacted 1ffc Quality assurance & they said someone would be getting in touch with me. Soon thereafter, Mr. XXXX XXXX contacted me and told me that the modification was an " offer '' & that it had expired XX/XX/XXXX. I told him I was told it was a modification, not an offer, & i wasn't given an expiration date!! I asked Mr. XXXX if I could pay a full payment of {$340.00} and get my car he said no. He proceeded to say the only option i had to get my car back was to pay the past due balance in full or pay {$640.00}. Mr. XXXX didn't seem to care that I tried to sign the paper work & he didn't seem to care about anything I had to say. I called Mrs. XXXX a little later & told her I had {$400.00} & she said I couldn't get my car without {$640.00}, which is a {$340.00} car/loan payment & {$300.00} repo fee. I shouldn't be held at fault for Mrs.XXXX not being at work when I went to sign the papers and 1ffc shouldn't make a modification & then take it back. But i was given no warning of repossession nor was i told the modification was an offer that had an expiration date until Mr. XXXX told me on XX/XX/XXXX. I am behind on my account, which they knew that when they told me on XX/XX/XXXX they was making the modification. I also paid a full payment of {$340.00} on XX/XX/2019. It is not my fault again that XXXX wasn't there for me to sign the papers! According to the modification as you see documented, that would mean I owe {$150.00} for XX/XX/XXXX. But yet without warning my car was repossessed and I know this is not right. I do not appreciate the way I have been treated. Then on XX/XX/19 I recieved a call from 1ffc operations vice president. When the operations vice-president contacted me he was very rude and told me if I wanted my car to shut my mouth and listen to what he had to say.I then put him on speakerphone he said it was nonsense that I had called and complained so many times. He told me if I wanted my car back to take the XXXX cash that I had and for me to sign another loan agreement he also said otherwise unless I paid the past due amount in full I wouldn't get my car those were my choices! He was very rude! He told me not to say a word when I went in there that if anything was said regardless of whose fault it was I wouldn't get my car and he meant it he said and I have a witness! I have been treated like XXXX to say the least. I was forced to sign another modification/loan! I did not choose to accept the most recent loan modification! I was told by operations vice president I had to pay the {$400.00} and sign the most recent loan modification or pay the past due amount in full or be without a car! He also said loud and clear that 1FFC is all about the money. Therefore how they treat people doesn't matter to them. They should stick to the 1st modification they told me before my car was repossessed, which was 10 payments of {$150.00} then it'd be done. And this is what I want honored.
11/30/2022	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39301	Web
This whole scenario started because I was sent a live check in the mail. I don't know how I received this offer. Ive never interacted with this company beforehand. My open end credit policy was used without my permission.They pre-screened illegally. After I cashed the live check. I then received a call asking did I cash and then I received a billing statment in the mail from 1st Franklin Financial for an alleged debt. ( EXHIBIT 1 ) I then sent in a negotiable instrument for tender and it was refused. ( EXHIBIT B ) copy will be below ( According to UCC-3-603b Tender of Payment : If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and tender is refused, there is discharge, to the obligation of an indorser of accommodation party having a right of recourse with respect to the obligation to which the tender relates. ) I then received a call XX/XX/2022 regarding this negotiable instrument. " Asking what is this? Also, they don't accept this payment. Receptionist even took my number and name down to have someone contact me on my tender payment. XX/XX/2022. A lady, who was supposedly a manager from the company, called me back. Stating that they looked up my negotiable instrument of my tender payment and they do not abide by those laws. These were her exact words. " I CAN NOT ACCEPT THIS FORM OF PAYMENT AND IF I DIDN'T PAY MY FIRST PAYMENT, THEY WOULD MOVE FORWARD WITH LEGAL ACTIONS ''. I have the full voice recording below. Also, she began to threaten me on this call and was very argumentative. Saying if I was refusing to pay cash or check or payment that they were sending me to collections and was going to damage my credit. Remember this was chaos on my supposedly first payment owed on alleged debt. XX/XX/XXXX, XXXX I received a letter in the mail that 1st Franklin Financial sent me stating they did not receive my initial monthly payment when in reality they refused my negotiable instrument. I will have all attachments below of all documents. ( EXHIBIT 3 ) XXXX XXXX 2022- I received a letter in the mail from 1st Franklin Financial as Notice of Acceleration.Stating that the entire balance of an alleged debt of {$2200.00} was due and payable immediately. Also, that they had started legal proceedings to collect the unpaid balance and may take other legal actions : including repossession of any goods or motor vehicles if pledged as collateral for credit loan transaction. Also, that I may be required to pay attorney 's fees, court filing fees and court costs in addition to the amount stated above. ( EXHIBIT 6 ) * document will be below XX/XX/2022 - XXXX sent out a debt of validation letter to the direct branch here at XXXX XXXX XXXX, XXXX, Mississippi and to the headquarters CEO Virginia XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Georgia, XXXX, US. Thirty days is up for verifying debt. Company still could not be verified in court either on XX/XX/2022. A contract between both parties with both signatures was never signed and never given. ( EXHIBIT 10, EXHIBIT XXXX ) XX/XX/2022 - My RING doorbell camera caught a video recording of a constable coming to my door and taping a notice to appear at court on XXXX XXXX for court for the alleged debt said to be owed to 1st Franklin Financial at 9:00am. 15 USC 1681 ( a ) ( 4 ) neglect of privacy. ( EXHIBIT 7 ) ( EXHIBIT 8 was a copy sent through mail ) * camera footage below as well XX/XX/2022- Court was at XXXX. They still had not validated the debt and the judge went in my favor to appeal it within 30 days. 1st Franklin Financial still has not validated debt. They have violated me as a consumer on several occasions. They also are illegally breaking the laws and doing false/misleading representations, harassing/threatening/abusing. Also, they never cease collections. According to 15 USC 1692 they have made many violations. Alleged debt is not owed. Alleged debt can not be verified. Alleged debt owed is false. ( EXHIBIT 12 ) ABSTRACT OF JUDGEMENT ) XX/XX/2022 - I received another billing statement after court date. They still have not ceased collections. Still have not verified debt. As a consumer, Im being oppressed. Throughout this whole process has been stressful on behalf of me dealing with my elderly grandmother with severe illness and my own mental health regarding the harassment and threats. ( EXHIBIT 9 ) Also, I've checked my consumer report and they are reporting me as a late payment. ( EXHIBIT 13 ) 15 USC Code 1666b ; 15 USC 1681 ( a ) ( 4 )
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30058	Web	Servicemember
XX/XX/XXXX XXXX XXXX XXXX {$17000.00}. This company is reporting this account that is not mine. They said I cosigned for my daughter and I never did. I provided the police report to them and I was actually sent a letter by this company that they have taken care of the matter and account was deleted from my record. XX/XX/XXXX XXXX XXXX XXXX {$30000.00}. The car was totaled loss after struck by a drunk driver. XXXX paid the vehicle off. They are showing that the vehicle had late payments from XXXX when I no longer had the car. It was paid. XX/XX/XXXX XXXX {$190.00}. I ordered merchandise from XXXX and never received it. I call them to dispute. However, I keep paying bill because I didnt want my credit to go bad. XX/XX/XXXX XXXX XXXX {$9100.00} Collections account. I never applied or had an account with this company. I have contacted them and sent police reports and disputed account. They keep reporting this erroneous information. 1st Franklin Financial {$5000.00} Collections account loan. I never applied for had an account with this company. I have contacted them and sent police reports and disputed account. They keep reporting this erroneous information. 1st Franklin Financial {$3100.00} Collections account loan. I never applied for or had a loan with this company. Inquiries-XXXX XX/XX/XXXX XXXX XXXX -never applied to this company. I disputed with company. Still reporting. XXXX XXXX XXXX XXXX-never applied to this company. I disputed with company. Still reporting XXXX XXXX-never applied to this company. I disputed with company and credit bureau and its still reporting. XXXX XXXX-never applied to this company. I disputed with company and credit bureau and its still reporting. XXXX XXXX-never applied to this company. I disputed with company and credit bureau and its still reporting. XXXXnever applied to this company. I disputed with company and credit bureau and its still reporting. XXXX-never applied to this company. Fraudulent applications. XXXXXXXX XXXX XXXX-Fraudulent application. Never applied. XXXX XXXX XXXX XXXX-Fraudulent application never applied. XXXX XXXX XXXX-Fraud application never applied. XXXX XXXX-Fraudulent application never applied. XXXX XXXX XXXX-Fraudulent application never applied. XXXX XXXX-Fraudulent application never applied XXXX XXXX XXXX-Fraudulent application never applied. XXXX XXXX XXXX-Fraudulent application never applied. XXXX XXXX XXXX XXXX-Fraudulent application never applied. XXXX XXXX XXXX-Fraudulent application never applied. XXXX XXXX XXXX application never applied. XXXX XXXX-Fraudulent application never applied. XXXX XXXX XXXX-Fraudulent application never applied. XXXX XXXX XXXX-Never applied or had an account with company. XXXX XXXX XXXX-Fraudulent applications, Never authorized to pull my credit. XXXX XXXX XXXX-Fraudulent applications. Never auhorized to pull my credit. XXXX-Fraudulent application. Never authorized to pull my credit. XXXX XXXX-Fraudulent application-Never authorized pull my credit. Inquiries-XXXX never authorized any of the inquiries below. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1st Franklin Financial XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1st Franklin Financial XXXXXXXX XXXX XXXX Presently all my information is on the dark web and I am unable to get it removed. My file is in consumer affairs and it has been almost impossible for me to do anything.
05/11/2018	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30046	Web
Date:XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX To : 1st Franklin Financial Corp XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Acct # XXXX RE : Validation of Debt To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. As this is mentioned and listed under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Please give a complete, accurate and thorough breakdown of the amount that is has been reported to all there of the major credit bureaus. Please list all fees of the original amount that your offices have on file. Please explain all erroneous fee that may be inaccurately reported to all three of the major credit bureaus. In your documents please include the first and last date of activity on this account to make sure that this account falls within the state of Georgia and Federal statue of limitations to report and collect the amount that is owed. Please shoe valid proof that 1st Franklin Financial Crop is licensed and bonded and is able to collect the amount owed in all 50 United States and XXXX. This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and respectfully request that your offices provide me with accurate account details. At this time, I will also inform you that if your offices have or continue to report invalidated or inaccurate information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX XXXX, this action might constitute as fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require your offices 30 days to investigate this information and during such time all collection activity and contact of all forms must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Regards XXXX XXXX cc Federal Trade Commission
07/02/2018	No	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA XXXXX	Web
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CC : XXXX XXXX XXXX Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX CC : XXXX XXXX XXXX Consumer Financial Protection Bureau Federal Trade Commission Georgia office of Attorney General To : 1St Franklin Financial XXXX XXXX XXXX XXXX GA XXXX RE : I recently reviewed my credit report from all three of the major credit bureaus and I saw that 1st Franklin Financial recently has report damaging information about me. You even reported a balance. I am actively disputing this information with the credit bureaus. Under the FACTA laws, you are required to conduct an investigation upon a consumers request. FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher. It is the duty of persons in charge after receiving this notice of dispute to initiate a full investigation on this account. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) Conduct an investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the notice ; ( 3 ) Complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611. ( a ) Within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ). If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. Please provide a complete breakdown of the balance due and specify if any erroneous fees were added without merit. Please give an accurate account of when the first payment made and when the last payment was made on this account to make sure that your office is reporting accurate information with in the statute of limitations to report and collect the amount owed. Im also appalled by the methods of skip tracing used to contact me by 1st Franklin Financial. This is a violation of the FDCPA section ( s ) 805 Communication in Connection with of Debt, 806 Harassment and Abuse. I have sent 1st Franklin Financial 2 separate Cease and Desist letters dating from XX/XX/XXXX- XX/XX/XXXX and both times this company has violated my rights as a consumer. I have not authorized 1st Franklin Financial access to my credit reports, the status of my current mailing address, the status of my drivers license and other methods that would be used to contact and used to harass me. As ofXX/XX/XXXX in the XXXX County Court system your civil case XXXX was dismissed, yet your company still persist in contacting and harassing me! Moving forward should there be any such a need to contact me you will now have to contact my attorney XXXX XXXX XXXX of XXXX XXXX XXXX. The info to my attorney is provided up above. I am demanding that your company investigate this account and also cease and desist all communication attempts! Sincerely, XXXX XXXX XXXX
02/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 37311	Web
I was referred to First Franklin for a first time loan, on my own. I was told by XXXX XXXX with whom I had a loan with that they would give me a better rate and that the woman I was referred to was a very good friend of that loan officer at XXXX XXXX. I have been out of work since last summer but had been making payments until XX/XX/XXXX when I just was completely unable to pay. I have paid some but am not caught up from being behind. I have been late but now have had them calling me 2 times a day. They have called my family and my father has XXXX and my mother is a XXXX. Today they called one of my best friends who owns a business trying to get her to pay. I was told my rate was a very competitive one. I only just found out that it is 30 % interest and they will not negotiate with me or lower my payment. Though I have been in contact verbally with an attorney and I will be either getting a home loan ( if my credit is n't ruined by them ) so I can get away from this awful situation or will have to go bankrupt to settle the XXXX XXXX and the XXXX accounts that have double whammeyed me when I had XXXX and had a XXXX. I am currently trying to get a home loan and have paid a small sum to both XXXX XXXX XXXX and First Franklin. I also received a letter from XXXX XXXX in the mail offering to reduce my payment and when hubbie and I went in they refused to reduce the payment and they also tried to renew our loan. Which we did not want but did try to work with them. We do not particularly want to go to bankruptcy but if we ca n't have our interest rate adjusted then we will be forced to do that as our loan debts are too high for us to pay. If we pay them at the 30 % rate there is nothing at all left for food or even for a trip to the doctor or to the dentist. We were tricked by these XXXX companies and by people who worked for them. Our first loan is with XXXX XXXX and it was with my husband and I. I was referred by a loan officer to her friend because she said her friend was new and would give us a better loan rate at First Franklin. Unfortunately, I believed her. The loan I got in my name alone is horrible and no one should get involved with such terrible people. They told us they would lower our rate and a paper they sent requesting us to come in and receive help was not true. They never tried to help us and they never were willing to negotiate a lower amount. They basically reentered our information and ignored all that we asked about getting help. In fact, they acted like they could not help us at all other than to give us another higher loan rate. And they turned down a loan which they suggested and it probably also lowered our credit rating. Which is just like getting beaten up by them over and over. Calling repeatedly during the day and calling my family, my friends is not acceptable business practice. We can not repay this high of a loan amount though we have tried to. We have actually more than paid back the amount we borrowed at XXXX XXXX and due to my loss of job, XXXX and a second illness. We just have no way to make this work out and the humiliating nature of these XXXX companies who have worked side by side to destroy us is unforgiveable.
07/28/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 290XX	Web
On Thursday, XX/XX/2020 Myself and my husband went to 1st Franklin Financial located in XXXX, SC so I could make a payment on my loan. When we arrived their I sent my husband in to pay on my account while I care for my children in the car. After him being in there about 5 minutes, I saw him and one of the ladies ( XXXX ) that works in the office walking out of the office. XXXX approach the passenger side of the car where I was seated. I wind my window down and she begin immediately to start speaking on my account. XXXX first stated that the money I sent in with my husband ( XXXX ) was not enough to cover what was due on my account. I then told her that's how much my payments usually are. She begin to say that I had a XXXX return fee on my account and I asked her why and she said because when we try to take the money out of your account your bank said you didn't have enough money in your account to pay it, I told her I was not a wear of it and she insist that I knew about it because they sent a letter in the mail. At that time I didn't receive the letter and I told her I didn't receive it and and she try to make me out of a lier. I didn't receive the letter until Saturday, XX/XX/XXXX. She than stated, so now we have to charge a XXXX fee so you owe XXXX. Immediately while she was talking I became very I became very embarrass because the whole time she was speaking on my account their was a car park less the 2 feet beside me with people in it and the window down listening to all of my business and also people were standing outside of the XXXX building that located right beside XXXX XXXX. After she explained everything she walk back inside. I didn't get out of the car immediately due to the embarrassment she made me feel and the same people was still sitting in their car beside me. After a few minutes I went inside and explain to her that I did not appreciate her coming outside disusing my person business in front of people and with a slight attitude she said " Well I apologize ''. I told her it was very unprofessional and if she wanted to speak on my account she should have called me in the office and spoke to me privately. She also told me next time I send someone in to make a payment for me i need to call and have them place on my account, and again I told her well if that was so why did she discuss my business with my husband he could have been anyone, again she should have called me in the office to discuss my account. l I was laid off of my job due to covid 19 and struggling to make payment on my account on time and for her to come outside and speak on me not having money in my account was embarrassing. After walking out of the business the men and lady that were parked beside me stop me and told me what she did was so wrong and told me not to feel bad because everyone don't always have the money to pay their bill on time. I thank them for their encouraging words and they offer their phone numbers for because I told them that I was reporting this and if i needed them for proof I could call them.
10/02/2018	No	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	AL 36303	Web
I have disputed this item twice this year, experian continues to update the dispute as accurate not making any changes. I tried to contact the creditor at the the phone number and address listed on my credit report as contact information for XXXX XXXX. The address in in accurate, the phone number when answered is 1st Franklin -- told by 1st Franklin that they purchased XXXX XXXX and that they have no information in their system in reference to me, that the account was paid and never late when no longer in their system. I pay for credit monitoring thru XXXX and have called XXXX and called XXXX and they continue to ignore this situation. XXXX is not complying with federal law, they have no proof of the account only a statement, they do not provide me with accurate information to contact the creditor, etc. Credit Report # XXXX Account NameXXXX XXXX XXXX # XXXX Account NumberXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusClosed. {$450.00} written off. Status UpdatedXXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$65.00} Original Balance {$450.00} Highest Balance {$0.00} Terms 7 Months Payment History show tooltip button Tap a month for more informationShow payment legend XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CLS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 XX/XX/XXXX 60 XX/XX/XXXX 90 XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO XX/XX/XXXX CO Historical Info First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Comment show tooltip button Purchased by another lender. Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX.
04/11/2018	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	GA 31061	Web
I took out my first Loan with 1st Franklin around XX/XX/XXXX in the XXXX, GA office in an attempt to build/re-build my credit. I XXXX XXXX up front if they reported to the Major Credit Bureaus and if this would help build my credit! She advised me that they had gotten in trouble regarding the FCRA but that was almost settled and that they were supposed to be back reporting before the end of XX/XX/XXXX and that there WOULD retro back to the inception of my loan and report it accurately on my credit report! I made my payments on time or early each month until XX/XX/XXXX - when Inpaid the loan off in full!! I then went back in XXXX of XXXX and took out a second loan and while speaking with the SAME employee ( XXXX XXXX ), I asked her about their credit reporting and asked why it had not reflected on my report that Inpaid my last loan off in XX/XX/XXXX!? She then advised me that they had experienced a setback and ensured me that they would be reporting by XX/XX/XXXX and that ALL of my loan information would be reported at that time!! Skeptical but desperate to get my credit built I proceeded with the loan! Several months go by and I experience some financial hardship due to some major medical issues and almost loose my car and was forced to get behind on my loan with 1st Franklin! Several more months go by and just out of curiosity, I pull my credit report and see that not only had 1st Franklin NOT reported me paying my first loan off early or at all for that matter but they had reported the a delinquent loan for the months that I had gotten bond on payments!! I had another loan with a different company in XXXX of XXXX that I paid off at the same time I paid 1st Franklin in XX/XX/XXXX and they had reported the loan paid off in full early but first Franklin seem to PICK & CHOOSE what they want to report to the credit bureaus!!!! I dont know if that is legal or not but it is DEFINITELY not fair practice and I feel that if they are going to report to the credit bureaus, then they should be required to report EVERYTHING and not be able to discriminate by picking and choosing what they want to report and hurting consumers credit scores!!!!
05/13/2019	Yes	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	GA 31705	Web	Servicemember
I can not wholly blame XXXX for these adverse actions. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, XXXX could resolve this complaint in a matter of minutes, If they choose to help this veteran. A supervisor at XXXX conveyed to me they could have this taken care of in thirty days. I do not have thirty days. I am trying to get a V. A. Loan for my family and I. These are inquiries that do not belong to me. These are some painful and regretful errors. They are causing severe backlash from my mortga ge provider. As a Veteran and a Gold Star member, I surely didnt expect this betrayal of public trust. I have fought for this country. I have protected these folks freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. Again, I am not totally blaming XXXX for this miscarriage of justice. However, I am bringing it to their attention for the lack of communication and not taking this dangerous situation as a priority. They overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help! 1-1st Franklin Financial Inquiry from XX/XX/XXXX 2-XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New 3-XXXX XXXX XXXX # XXXX Inquiry from XX/XX/XXXX 4-XXXX XXXX Inquiry from XX/XX/XXXX 5-XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX 6-1st Franklin Financial Inquiry from XX/XX/XXXX 7-XXXX Inquiry from XX/XX/XXXX 8-XXXX Inquiry from XX/XX/XXXX 9-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 11-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12-XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 13-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 14-XXXX XXXX Inquiry from XX/XX/XXXX 15-XXXX XXXXl Inquiry from XX/XX/XXXX 16-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 17-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 18-XXXX XXXX Inquiry from XX/XX/XXXX 19-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 20- XXXX XXXX Inquiry from XX/XX/XXXX 21-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 22-XXXX XXXX XXXX Inquiry from XX/XX/XXXX 23- XXXX XXXX Inquiry from XX/XX/XXXX 24- XXXX XXXX Inquiry from XX/XX/XXXX 25-XXXX XXXX XXXX Inquiry from XX/XX/XXXX
07/28/2020	No	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account information incorrect	GA 30228	Web
1st Franklin Financial ( XXXX, Ga ) is reporting to credit bureau, my payments on a previous account as having been paid 60-90 days late each month. In XXXX they filed a judgement against me, after which, per the terms of the judgement, I paid them on time each month, until the debt was settled in XX/XX/XXXX, and I received a letter from them stating as much. While in the process of trying to obtain a mortgage loan in XXXX, I discovered this discrepancy. I initially contacted 1st Franklin, but was told I needed to file a dispute with the credit bureau. When I did, received notice from XXXX that it had been verified, so no changes were made. On XX/XX/XXXX, I went into a local 1st Franklin Branch and obtained a printout of my payments, which were all showing as on time. I then filed another dispute with XXXX, submitting this information as proof. I received a response from them on XX/XX/XXXX, dated XX/XX/XXXX, with payments still showing 60-90 days late. I then visited 1st Franklin again on XX/XX/XXXX for an explanation. I was then told to contact their Quality Assurance dept. It was at this time I was finally told that although I was making payments on time according to the judgement, I was actually still past due, so those payments didn't count in the actual month they were made. After not feeling satisfied with this answer, I was referred the the Regional manager over the XXXX Ga branch. I spoke with him on XX/XX/XXXX, he was very rude, disrespectful, and condescending. He informed me that nothing would change and that I did not pay my debt on time. When I asked why this was not disclosed to me at the time, he just continued to repeat, I did not pay my account as agreed. I do not feel that I was given full disclosure as to the status of my account and how payments were being applied. I never received anything stating I owed anything additional to what I was paying. Print out received on XXXX, does not even reflect this. 1st Franklin needs to update my credit report to show my payments on time as I feel they are in violation of my rights as per the Fair Credit reporting Act and the Consumer Finance Protection Board.
11/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Getting a line of credit	TX 75901	Web
I received a loan check in the mail from 1st Franklin Financial ( XXXX ) in XXXX, Ga. I did not apply for a loan in any way, nor am I interested in taking out a loan. I have never had contact with this company. Over the last year, I have not sought any financial assistance of any kind from any company. The letter includes the following : " It's true, attached is a real, cashable check made out to you for {$2000.00}. Once cashed, that's only {$140.00} per month. * Enjoy the convenience your good credit history has earned you. Cash or deposit your check today. '' " By signing this Arbitration Agreement ( " Agreement '' ), you agree : You are giving up your right to go to court. You are giving up or limiting the rights you would have in court. These rights include the right to force someone to testify. You are giving up or limiting you right to appeal the decision if you lose. You are giving up your right to be a class member or class representative in any Class Action or Class Arbitration ... '' " Visit us online at 1ffc.com '' " ANNUAL PERCENTAGE RATE The cost of my credit as a yearly rate 35.95 % '' The letter is then signed by XXXX XXXX, 1st Franklin Financial Corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX ( XXXX ) XXXX It is worth noting that the annual credit rate limit of the agreement exceeds that set by the State of Texas ( where the letter was penned and where it was delivered ) ( https : XXXX XXXX XXXX ). I plan to inform the appropriate state authorities in a separate filing. My complaint to the CFPB is that this is obviously a predatory marketing tactic designed to trick individuals into taking out a loan and waiving rights to challenge the fact. The check itself is the only area in the enclosed documentation with a signature line, which is on the back of the check as any endorsement would be. The phrase " this is a real check '' is repeated throughout the documents. This sales tactic is also an easy way for anyone to intercept the letter and cash the check, thus taking out a loan under some else 's name with a single signature.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AL 36067	Web
XXXX XXXX XXXX, 1st franklin financial XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX first franklin financial XX/XX/XXXX, these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. transunion unauthorized and unverified inquiries are twr ln-sys XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; 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. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 306XX	Web
As stated in the Prior complaint I am Requesting all Legal documents that hold me Liable for said Alleged debt I don't assume any Debt Nor do I owe a debt have them show me the law that shows a Federally protected consumer owes a debt. I'm invoking my consumer rights and demanding XXXX XXXX XXXX a debt collector Cease reporting to all Consumer reporting agencies Immediately they violate federal Code 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I'm also requesting to opt out of my non-public information being reported under title 26, title V of the Gramm-Leach-Bliley Act opt me out! 15 U.S. Code 6802 - Obligations concerning disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the 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 section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is explained how the consumer can exercise that nondisclosure option. I wasn't given any option
03/12/2019	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 292XX	Web
On XX/XX/19 I called 1st Franklin Financial to see about increasing my loan. I was told that there was a flag on my account placed by the manager which stated they would not lend to me because I lived in another state. I explained that is not true and I only work in another state but my legal residency is maintained in South Carolina. I also explained that I could prove this through my taxes or any other documents. XXXX told me that the manager was gone until Monday and that they were not going to bother him and that I could not speak to corporate. She told me she would give the Assistant Manager my number and have him call me back. The next day I got a call back from XXXX telling me the same thing and that I could try back on Monday with the manager. On XX/XX/19 I called back and asked to speak to the manager, to which they would not allow me. Shortly after asking why, the manager got on the phone and asked what I wanted. I explained I would like to increase my loan. He stated he would not take an application and that he would not lend to me because I live in another state. I explained that this was not true and that I could prove it with legal documents, car registration, ID, taxes, etc ... He told me that I was " Trying to commit fraud '' and that I was " trying to pull the wool over his eyes '' He also stated that If I asked him again, he would pull my credit without my permission and send me a denial letter. I told him good day and ended the call. After that, I called their corporate HQ and made a complaint. A few hours later the Regional Manager called and apologized to me for the way I was treated and threatened by XXXX the manager. He offered no solution what so ever. I have had 3 loans with this company and never missed a payment.
04/30/2019	Yes	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	GA 31705	Web	Servicemember
To : 1ST FRANKLIN FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX From : XXXX. XXXX XXXX, XXXX ( c ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : XXXX XXXX Inquiry Removal Instead of Fraud Investigation. Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed 1st Franklin Financial put several credit inquiries on credit report that I find to be problematic. I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. I wanted to file this as well and make sure this gets done. I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
09/27/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 302XX	Web
On XX/XX/22, XXXX XXXX XXXX received a Cease and Desist from the consumer ( XXXX XXXX XXXX ) XXXX XXXX I invoked according to 15 USC 1692c ( c ) ( 2 ) my specified remedies as a federally protected consumer and I demanded all of the following including but not limited to : Stop collection on this fraudulent debt Report PAID IN FULL to all credit reporting agencies including but not limited to XXXX, XXXX, XXXX XXXX XXXX XXXX zeroed out every month Check for {$5000.00} for violations under FDCPA sent to my address above I initiated the Cease and Desist because after further review of the credit contract ; XXXX XXXX XXXX committed unfair and deceptive practices with in the meaning of section 5 of the Federal Trade Commission Act for a seller, directly or indirectly to take or receive a consumer credit contract which fails to contain the Holder in Due Course Notice in at least ten point, bold face typed. The consumer contract does not have the notice. I scanned document with a fine tooth comb and no where on front or back the notice is present. In addition, the financial company didnt provide me with an adequate notice that gave me pertinent facts clearly and conspicuously for me to understand. The company failed to acknowledge that the finance charge is the total cost of consumer credit in dollar amount. The consumer is only entitled to finance charge. Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this sub chapter or any regulations issued there under, otherwise fails to comply with any requirement imposed under this sub chapter shall be fined not XXXX than {$5000.00} or imprisoned not more than one year or both.
04/12/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 357XX	Web
XX/XX/XXXX I took out a loan for {$2500.00} at First Franklin Financial in XXXX, Alabama. The balance on that date was XXXX. I made payments until XX/XX/XXXX when I made a payment of {$1500.00} in order to try and get the loan paid off quickly. My balance was then {$480.00}. My payment was paid up until XXXX of XXXX and my payment is due on the XXXX of the month in the amount of {$120.00}. I mailed a check to them on XX/XX/XXXX for {$120.00}, earlier than the due date of the payment. When I checked the balance on my account, every cent of the amount I paid toward my balance was applied toward " interest '' and " PL fees '' and {$3.00} for mailing a payment to them. XXXX was put toward my balance, which is now {$480.00}. I feel that this is unethical and is taking advantage of people who are trying to pay off their debts. I had planned to have this loan paid off in full by XXXX, but if they are only going to put XXXX toward my balance each month, I will never have it paid off!! I had told them when I paid the {$1500.00} that they caught me up until XXXX of XXXX and they better not charge me any interest during that time. How can a loan company expect you to pay your loan off when they are only taking XXXX from your balance, even when you pay it IN ADVANCE OF THE DUE DATE? I feel that this is very unethical and probably in violation of the Fair Debt Practices Act. I am also filing a complaint with the Federal Trade Commission. I would like for this matter to be looked into and this company held accountable for charging such ridiculous fees for someone who has been paid up and has paid their monthly payment early. They are now showing my payoff at {$520.00}. How can this be correct, and fair to me as a consumer?
04/10/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30135	Web
An Unauthorized payment from my account by 1st Franklin Financial Corporation in XXXX, XXXX Basically fraud. A payment was issued from the company without permission. In XX/XX/XXXX, I made authorized a payment on behalf of my cousin XXXX XXXX living in XXXX XXXX, GA over the phone. I confirmed it would be a one time payment and that my information was not to be saved on the account. Yesterday, XX/XX/XXXX a charge appeared on my account from the company for my cousin 's account. I informed her of the pending transaction and she assured me she had called and gave her card number for the payment. She called 1st Franklin to make them aware of the error and stated that T** the representative said it can not be corrected or reversed back to my account. I also called the company and was transferred to T***. The male person that answered said I had the wrong number. The amount of {$190.00} posted to my account this morning. This is fraud. It was not authorized and they stored my information. So basically they have my account information to do what ever they please with it. To say they will not correct the mistake or if it was on purpose should be illegal. Now I have to pay my bank to attempt a dispute for an account THAT IS NOT EVEN MINE to begin with. I need someone from the company to contact me ASAP. I did not give authorization for the payment on XX/XX/XXXX only the previous payment in XX/XX/XXXX where I called myself to the XXXX, GA location. My cousin also tried to have the payment reversed because they also completed the payment from her card, so they have two payments - one not authorized. My personal information has been illegally compromised. XXXX / XXXX
02/17/2018	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 357XX	Web
I have a loan with first franklin in XXXX al I have received multiple call and voicemails in one day to the point of feeling harassed, I had explained that I changed jobs and would be needing time to get back on track was not a problem till it was late and spoke to several of the girls there they were very hateful with me and threatened legal action because I rolled into a new month told her I have been with them for years and they have made a lot of money off me and that they would get there money on my pay day which was a few days later the girl said she could not guarantee I would not have legal action taken against me I told her if they needed to threaten me over a balance of a few hundred dollars to go ahead she continued to be hateful told her she would get Friday and that I did not need to be treated like someone who does not pay my bills, I then received a letter from the branch manager stating the same. I worked in this industry for years and I know that there are several rules violated here and reach out to the company which tried to call me several times I dont work hours that I can receive there call so I never got to talk to them a few weeks later I received a letter saying they tried to reach and assume that this matter was resolved I feel I was treated unfairly and know that they have had issues in the past with reporting and threatening customers these tactics are childish rude and uncalled for. I will be paying my loan off which by the way is current and never doing business again with them I hope some one stops this and monitors this company better they need to be shut down and stopped for good
10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 71360	Web	Servicemember
I had an agreement with the attorney and company after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
12/30/2021	Yes	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	GA 30213	Web
XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. XXXX removed account according to do XXXX and XXXX Dispute file XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. My FTC report number is as follows ( FTC Report Number : XXXX ) 1ST FRANKLIN {$5100.00} Account number XXXX XXXX {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. Please delete this item immediately.
03/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30252	Web
First Franklin in XXXX, GA obtained my banking information to process payments " ONLY WHEN APPROVED ''. However, they are consistently and randomly withdrawing unauthorized payments from my account. It started with my XXXX XXXX XXXX account, I had to end up blocking their business name from having the ability to use electronic debits. So they then slightly changed the name used to make electronic debts, and started withdrawing unauthorized amounts of money again. I then had to change my entire banking account information just to stop them. Then, XXXX the store manager pops up at my house to make " payment arrangements ''. I have spoken to XXXX, XXXX, and XXXX NUMEROUS times about my account. They PROMISED me that they would ONLY withdraw funds from my account, IF I authorized the payments. After dealing with them for quite some time now, I know and understand their scandalous practices, so I began recording EVERY call between myself and ANY representative from the XXXX office. Despite their promise to me to only withdraw AUTHORIZED transactions, they continue to withdraw monies from my account at their discretion, which are NOT AUTHORIZED. I have absolutely had enough of going back and forth, around and around with this company. I am reporting this matter to any and everyone who has any authority to stop them from STEALING money out of my account.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 302XX	Web
Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : 1st FRANKLIN FINANCIAL BANK balance {$1600.00} 30 days late Thank you, XXXX XXXX
08/27/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30606	Web
This account became delinquent in XXXX 2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XXXX XXXX, 2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XXXX XXXX 2019, I paid the monthly payment amount of XXXX, on XXXX XXXX 2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX-19, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.
08/01/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web
Date : XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX CC : XXXX XXXX XXXX Consumer Financial Protection Bureau Federal Trade Commission Georgia Office of Attorney General XXXX XXXX XXXX XXXX XXXX XXXX / Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX To : 1st Franklin Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX RE : Failed to respond to FACTA ACT FCRA 623 Letter Tracking number XXXX CFPB / Complaint Number XXXX XXXX XXXX on XX/XX/2018 I sent a FACTA ACT FCRA 623 letter via CFPB ( XXXX ) and certified mail with return receipt tracking number XXXX. As of today, it marks 30 days with no response, as per my letter I granted your offices 30 days to respond and your offices have failed to provide documentation that was demanded. With that being said, Ill allow you to go ahead and prepare a letter on your companys letterhead stating that this item be deleted at once and this deletion request must be forwarded to all three of the major credit bureaus and all parties carbon copied up above in this letter no later than 30 business days. My attorney will also will be awaiting a copy of the deletion request to be forwarded to his offices as well. Your immediate cooperation is needed at once. Best Wishes XXXX XXXX XXXX
04/09/2020	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MS 38654	Web
I sent a validation of debt letter to 1st Franklin Financial dated XX/XX/2020, after receiving a letter dated XX/XX/2020, from 1st Franklin Financial stating that they had just received a debt that was transferred to them that belonged to me. 1st Franklin then sent me a letter on XX/XX/2020 refusing to validate the alleged debt that they state belong to me. 1st Franklin Financial is now in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. 1st Franklin Financial has failed to provide me with following information : What money they say I owe, explain how they calculated what they say I owe, provide copies of any paperwork that show I agreed to pay what they say I owe, provide a verification or copy of any judgment, identify the original creditor, prove the statue of limitations has not expired on the account, show me that they are licensed to collect in my state, or provide me with their license number and registered agent or agent service. 1st Franklin Financial has also continued to harass me about a unverified validated debt, by continuing to write to me. I have attached the two letters I sent to 1st Franklin Financial as well as the three letters I received from 1st Franklin Financial.
01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due cours, and for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding. Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever they may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/ or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; CREDITOR ACCOUNTS : XXXX XXXX XXXX XXXX Original creditor : XX/XX/XXXX XXXX XXXX XXXX AMOUNT : {$4700.00} ACCOUNT # : XXXX XXXX XXXX XXXX {$3700.00} XX/XX/2018XX/XX/XXXX
12/04/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 306XX	Web	Older American
I am writing to dispute the handling of my consumer information pursuant to the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. Upon reviewing my Credit File on ( XX/XX/2023 ), I have not received an opt-out notice as required by law. I request that you Delete and rectify this matter promptly. Furthermore, I would like to emphasize that XXXX, XXXX, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. I Wish not To have my Privacy Violated furthermore I am committed to safeguarding my financial privacy, and I trust that [ 1st Franklin financial corporation ] will promptly address and rectify these concerns in accordance with the law. Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. Notice to All Also I Wish for my Private Information to be Shared I am Opting out of all Sharing
07/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30021	Web
I have an account with 1st Franklin Financial for a XXXX $ loan. That somehow became a XXXX loan. They also had me put my XXXX up as collateral on the loan. Issued insurance on the vehicle that I had to pay, I had no idea that I would have to pay for. I had a previous loan with the company the balance was XXXX when I applied for the new loan.I make my monthly payments and I also make overpayments. When checking my payment history I noticed that my overpayments have been pooled as a partial payment. Which is not being applied properly which costs me more in the amount of interest being paid on the account. I spoke with the manager and she explained on XX/XX/23 that my per diem rate on the account was {$3.00}. That's about $ XXXX monthly. Today when contacting the company I received information that my XXXX XXXXXXXX was {$3.00} on the loan. My problem is that my overpayments are not being applied to my account which keeps the interest rate higher than it should and prolong the life of the loan. At this point I am not paying any more money until we can get this situation rectified. Loan rate is XXXX % which is extremely high by any standard. And my credit score is in the XXXX.
02/16/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AL 359XX	Web
I lost my job and went 3 months without pay. I still paid until money ran out. I told manager twice about my situation. He agreed for me to pay what I can when I get paid. So I paid at times I had the money. It may have been {$50.00} or {$100.00} but I have been paying them. I am behind on the loan and I know and understand this but I am paying when I am able and they are accepting the money. They continuously call my parents home phone which I and they have asked repeadily to stop because I do not live there and they have nothing to do with the loan. They even have my new address in which they have sent mail to me. They call me continuously telling me they can no longer accept the {$50.00} payments that I must bring the loan up to date. This ridicious because I have lost a job and started another that the income is less than half of what my job was at the time of the loan. I pay what I can which is more than paying nothing but yet I am still threatened and my phone is constantly ringing from these people which is nothing but harrassment. I want them to stop call me and stop calling my parents home and not to call my job.
02/05/2023	No	Mortgage Conventional home mortgage	Trouble during payment process	AL 351XX	Web
XXXX First Franklin is absolutely the worst place to trust with your finances. We took out a mortgage to fix our home but got in over heads and need to move. My daughter and son in law decided they wanted to purchase the home from us. First Franklin said they arent doing any new loans and there werent options to change it into their names. So we started making extra payments which were suppose to go PRINCIPAL to pay the loan off quicker accept that isnt what they did with them interest and escrow! So contacted them and were told we are six months ahead but when we given the option for the extra escrow money {$320.00} to go to PRINCIPAL now we are only one month ahead I have all my receipts and my financial counselor agrees this isnt right and the company needs to be reported. XXXX XXXX lied to her about not knowing my extra payment were for PRINCIPAL the whole office knows the situation and lied to the VP of the company about posting the payments incorrectly, he knew what he was doing. Simply shameful to take advantage of people who trust you. Never getting a cash payment again, always keep documentation of everything!
10/21/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 302XX	Web
On XX/XX/XXXX, 1st Franklin Corporation received a cease and desist letter from consumer at XXXX. Consumer expressed to the financial institution to stop collection on fraudulent debt, report paid in full to all credit reporting agencies, audit trail, XXXX account each month and send a check for {$5000.00} for violations under FDCPA send to address on the cease and desist letter. The XXXX office contact me on XX/XX/XXXX @ XXXX which is in direct violation of my rights after receiving my cease and desist. 1st Franklin Financial committed unfair and deceptive practices with in the meaning of section 5 of the Federal Trade Commission Act for a seller, directly or indirectly to take or receive a consumer credit contract which fails to contain the Holder in Due Course Notice in at least XXXX point, bold face typed. The consumer contract does not have the notice. I scanned document with a fine tooth comb and no where on front or back the notice is present. In addition, the financial company didnt provide me with an adequate notice that gave me pertinent facts clearly and conspicuously for me to understand.
10/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29617	Web
1st Franklin stated that I received a live check in the mail, I question how did they get my information? I never gave them my information which means they bought my information and used it for their own purpose which identity theft. 1st Franklin identify as a debt collector under FDCPA 15 United States Code 1692a ( 6 ) and it is against the law for 1st Franklin to state that I the natural person owes a debt which is a violation of 15 United States Code 1692b ( 2 ) of the FDCPA. 1st Franklin states that they may proceed with advanced efforts which could include filing a lawsuit against me. That is a violation of 15 United States Code 1692d ( 1 ) and it is a criminal violation of 18 United States Code 894 a ( 1 ) and ( 2 ). This is a form of blackmail 18 United States Code 873 and this committing a conspiracy against my rights 18 United States Code 241. 1st Franklin has no authorization to sue. I have a right to refuse to pay until the provide me what I have requested which are books of accounting and contracts where I and 1st Franklin signed, also to provide adequate notices.
07/21/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	AL 352XX	Web
XXXX APPLIED FOR A LOAN WITH 1St FRANKIN FINANICAL IN XXXX XXXX, XXXX. THEY APPROVED ME FOR THE LOAN OF AROUND {$600.00}. MY FIRST PAYMENT WAS DUE XX/XX/XXXX AND I WAS UNABLE TO MAKE THAT PAYMENT DUE TO JOB LOSS. THE COMPANY THEN STARTED TO MAKE HARRSING PHONE CALLS TO ME, MY FRIENDS, AND FAMILY. WHILE LOOKING FOR A JOB I REVIEWED MY CREDIT REPORT THAT 1ST FINACIAL MADE, XXXX UNAUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. XXXX WAS ON XXXX XXXX, XXXX AND ANOTHER XXXX ON XXXX XXXX, XXXX. THEY DID N'T HAVE THE APPROVAL FROM ME TO PULL MY CREDIT AT THAT TIME. THEY PULLED DOWN MY CREDIT SCORE AND I THINK THAT IS NOT LEGAL TO PULL MY CREDIT WITHOUT MY CONCENT. I 'M STILL WITHOUT EMPLOYENT AND BY THEM PULLING MY CREDIT WHEN THEY WANT TO JUST BECAUSE THEY HAVE MY INFORMATION IS UNFAIR FOR THE CUSTOMER. THEY ARE REALLY LOWERING MY CHANCES FOR ME TO LAND A JOB BY PULLING MY CREDIT AND LOWERING MY SCORE. I 'M SURE I 'M NOT THE ONLY ONE THIS HAPPENED TO. THIS COMPANY NEEDS TO STOP THE UNFAIR COLLECTION PRACTICES.
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31093	Web
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
06/02/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	LA 70560	Web
First franklin in XXXX, la I get a loan with them for XXXX dollars and now the pay back XXXX, But there reporting my my credit that I am 5 months behind and that not true. In XX/XX/XXXX there report that I was 2 months and now i am 5 month. I talk to the dm and he said he dont know. I have talk to them on alot times. I was sick for 2 weeks so I was behind one month there done a judgement on me. I talk to the company in XX/XX/XXXX and want to make 2 payment there dont want to take it. Then 2 weeks later in XX/XX/XXXX I get Serve with a judgement at my home. For XXXX XXXX dollars. For being one month behind. I have call the office on XX/XX/XXXX and XX/XX/XXXX to talk to them about my account there told me there was going to call me back and I was not call back .and then the judgement. We get this account in XX/XX/XXXX, I made my payment for XX/XX/XXXX and XX/XX/XXXX with my debit card, there tell me that I dont make no XX/XX/XXXX payment my bank account show it .for XX/XX/XXXX, for XXXX
11/24/2018	No	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	GA XXXXX	Web
Details Account : 1ST FRANKLIN FINANCIAL Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by 1ST FRANKLIN FINANCIAL, and this is an error and you must remove it, this against the law. ... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
03/16/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 29169	Web
I received a loan for {$900.00}. I made 1 payment online. I went to make the 2nd payment and it said my account was closed ( it's not ) and I could not make the payment, nor was I notified I would need to mail the check earlier. I sent a check and sent them an email saying there was no way the check would get there before the due date ( Its due on the 12th and I paid it on the 10th ). Well they reported it to my credit report and and have called me at work over 20 times a day. I sent them an email telling them do not call my work, I still receive calls on both my office and my cell. I am not allowed any personal calls except for an emergency. Today, they had a sheriff drop off a note saying I am late ( which is their fault not letting me know I couldn't pay online ) which is embarrassing. I am being harassed over this payment! Now with the Covid19, I have no idea how long anything will take to be mailed!
07/10/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30078	Web	Servicemember
On XXXX I got a loan for {$1000.00}. On XXXX I had two XXXX a XXXX, and XXXX XXXX. I had someone make 8 payments for me. Since then the have reported to the Credit Bureaus that I owe {$1600.00}. Also, they filed courts papers with my personal information which includes part of my social security number, date of birth. I reviewed the file at the courthouse, and there seems to be Fraud. First of all, I did not use my vehicle for colateral, nor did I sign to have insurance, or Road side assistance, for my vehicle. I noticed a Man by my Jeep when I was inside, I believe he got my VIN number, and then he came back inside the office. I have a lien on my vehicle already, so why would I do that. Second, the personal property they have in the court they listed are fraud, and so is my Signature is Fraud. I did not sign for such a deal!! Restitution need to be enforced, in the amount of {$25000.00}.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37830	Web
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TN XXXX This company has reported that I have a loan with them that is currently 90 days past due. The loan was issued via a " Live Check '' that was signed and deposited into someones bank account. I have not signed any checks or have had the funds deposited into my account. I contacted the company on XX/XX/2023 to explain this. They verified that the social security number that was written on the back of the check as required, did not match mine. They said the only way I could get it removed from my report was to have the person who cashed the check and deposited into their account, come to their office with me and tell them they are the one that signed and cashed the check. I also disputed this with XXXX and they said the debt was valid when it is not. Thank you in advance.
10/06/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
I HAVE DISPUTED THESE ACCOUNTS SEVERAL TIMES. THESE ARE NOT MY ACCOUNTS. THEY ARE FRAUDULENT ACCOUNTS. HOW IN THE ENTIRE XXXX DO I KEEP GETTING ACCUSED OF USING A CREDIT REPAIR COMPANY? THIS IS CAUSING MAJOR STRAIN ON ME AND MY FAMILY. THIS IS ALSO CAUSING ME MENTAL ANGUISH AND XXXX. I FEEL AS IF I AM BEING VICTIMIZED ALL OVER AGAIN. THESE COMPANIES SHOULD NOT BE ALLOWING PEOPLE TO COME INTO THEIR BUSINESS AND OPEN FRAUDULENT ACCOUNTS. THEN THE CREDIT BUREAUS IRRESPONSIBLY REPORT THEM ON MY XXXX CREDIT. XXXX AND XXXX REMOVED THESE FRAUDULENT ACCOUNTS. XXXX REFUSE TO TAKE THESE FRAUDULENT ACCOUNTS OFF MY CREDIT. MY NEXT STEP IS TO CONTACT THE ATTORNEY GENERAL. I WILL BE BRINGING A LAWSUIT AGAINST XXXX, XXXX XXXX XXXX, AND 1ST FRANKLIN. ALL THESE COMPANIES ARE SCAM. THEY FRAUDULENTLY LET PEOPLE OPEN CREDIT ACCOUNTS IN MY NAME.
11/04/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 703XX	Web
In XXXX of XXXX, 1st Franklin Financial obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by 1st Franklin Financial. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.
09/26/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29617	Web
I received a notice dated XX/XX/2022 from 1st Franklin Financial Corporation stating that I the consumer owe a debt that has not been validated or verified. I have sent a Conditional Acceptance and a Cease and Desist notice to 1st Franklin Financial and they have not provided me what I have asked for under perjury. I am a consumer these debt collectors can not state that I owe anything ( 15 United States Code 1692b ( 2 ). They also can not threaten to sue ( 15 United States Code 1692d ( 1 ) ) or continue to collect a debt after receiving a cease and desist ( 15 USC 1692c ( c ) which includes reporting false and misleading information to the consumer reporting agencies ( 15 United States Code 1692e ( 8 ). The collection efforts must stop or I'm going to have to pursue litigation with the abundant evidence that I have.
08/29/2022	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 306XX	Web
On XX/XX/2023, 1st franklin financial corporation Wrote me a letter Alleging I Owe them and they notified me that they were going to take Legal Action which is funny because I didn't give them permission to Speak to me with the Foul language they really ruined my whole day. They are directly violating 15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. I don't like what they said to me. they keep blowing up my phone at unreasonable hours under 15 USC 1692d ( 5 ) ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. provide proper documentation that they are legally owed under penalty of perjury
02/03/2017	No	Consumer Loan Installment loan	Managing the loan or lease	GA 30236	Web
XXXX Loans in XXXX Ga brought Instaloan Loans that were found to have been illegally constructed through the usage of fraud, Not truthfully disclosed charges on the truth and lending disclosure among other founded violations by the Court of law. These loans have been found to have been predatory in their lending, However, even after consulting with XXXX Loan They insists on collecting on these illegally obtained loans. They have started clients with new loan numbers, new Finance charges and new interest rates patenting the paperwork to appear like it is a new loan with XXXX when in actuality they are the same loans from XXXX that has been shut down in the state of Georgia. These loans were illegally gained and should not have been allowed to have been brought by XXXX XXXX XXXX or any other organization.
05/01/2021	Yes	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	AL 36695	Web
There are several inquiries on my report that either I do not recognize or may have pulled my credit without my permission. I would like these inquiries removed from my report especially since I do not affiliate with most of them in any way. These companies include : XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 1ST FRANKLIN XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Companies Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Bankcard Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX
12/13/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	SC 29649	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
05/08/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA XXXXX	Web
1st Franklin Financial - XXXX XXXX, GA ( 3 ) 1st Franklin Financial - XXXX, GA ( 2 ) 1st Franklin Financial - XXXX, GA ( 1 ) My approved loan was transferred to this location on XXXX. It was done by XXXX XXXX, Regional, after I had problems with the XXXX, GA office location. I have been in constant contact with XXXX XXXX. I had to submit my documents only. It was approved. XXXX XXXX contacted me on XXXX20 later in the day and said that the loan was not approved. Same company I was discriminated against and given incorrect information. XXXX XXXX tried to change her involvement after I was denied at the XXXX XXXX, GA location. This is my complaint. This company has denied my approval. I was approved in XXXX, GA. This company is SHADY. Seek legal advice and know your rights.
10/17/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	TX 754XX	Web
XX/XX/2018 I filed a claim on 1st Franklin Financial Corporation. I sent them a intent to pay and cease and desist all communication letter in XX/XX/XXXX which is dated XX/XX/2018. They claim to never received a letter from me however, they are sending me letters with my current address on them. I did not update any information with them so there for they only got my address from the letters I sent. They are destroying my bank account with overdraft fees, transfer fees and withdraws of money that is not there. I also sent this company 3 or 4 messages on their contact form online XX/XX/2018 approximately XXXX this is 4 weeks before actual letters went out no response within 24 hours. I did however get an email back within 10 hours of writing another complaint XX/XX/2018 at XXXX.
12/15/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 307XX	Web
I was on XXXX XXXX looking at small personal loans and received a call from 1st Franklin Financial in XXXX Georgia on XX/XX/2020. After speaking to them about the process of their loan and giving them some of my personal information I told her to not pull my credit due to me not wanting to give them collateral. I did not want to have one of those loans. I was never verbally asked if My credit could be pulled nor did I ever verbally say it could be pulled. Before the phone call ended I specifically told her do not pull my credit. Before the phone call ended I verbally told her do not pull my credit and was not informed she already had or did after the phone call ended .Now I have a credit pulled from First Financial that I did not approve.
02/29/2020	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	LA 710XX	Web
I only borrowed XXXX from 1st Franklin Financial in XXXX Louisiana and they are making me pay back XXXX which is suppose to be insurance for a person which if they fall behind paying XXXX a month is expensive for me they told me it would help if I fall behind and then when I did they said something different if you lose your job that was not what I was told getting the insurance I was told if I fell behind now XXXX threatening me about taking my vehicle and asking me what I'm doing with my money I want to file a suit on them I have been worried, frustrated and humiliated I just want something to be done I would be surprised how they treat the other customers when they fall behind I even have tried talking to them it don't help please help
12/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30236	Web
XXXX for XXXX and XXXX. I am XXXX months behind. I can not use their online payment because they lock you out to come to the office which is very inconvenient at the time because I work and due to XXXX effecting my family at this time its been more stressful with bills and holidays. They constantly call back to back leave nasty messages and keep stating they will file a suit against me. I been paying these people for almost 3 years and its ridiculous how their customer service has gotten. Its takes at least a call with a message or even an email because people do go through a lot. Once I get the chance to pay off I no longer want no dealing with this company 1st Franklin Financial XXXX GA is not very courteous to family at all.
02/05/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30705	Web
1st Franklin Financial Corporation of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ga XXXX filed a lawsuit against me after sending notices to an incorrect residential address that I do not and have never resided at, as well as having the lawsuit filed against me include the same incorrect residential address. This incorrect residential address was also reported to all three credit bureaus and has caused my credit score to drop significantly due to not being properly notified prior to filing the lawsuit. I also have proof of 1st Franklin Financial Corporation of XXXX XXXX XXXX, XXXX XXXX, XXXX, Ga XXXX having knowledge of my correct residential address due to a letter of acceptance of a loan being sent to my correct residential address.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35405	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anY purpose 15 U.S. Code 1681a - Definitions ; rules of arch construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
03/08/2019	No	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	FL 32792	Web
This complaint is in response to a previous complaint ending in XXXX. 1st Franklin 's response is unacceptable under the FCRA ; thus, they're in violation of it. Computer printouts ( and them circling boxes on there ) means nothing under the law and ARE NOT acceptable or viable means of verifying or validating an account or inquiry. They are REQUIRED to provide me with a document with my actual signature on it or else remove the inquiry, as ALL items on a consumer 's credit report must be verified / validated with original documentation BEARING THE CONSUMER 'S SIGNATURE. This is law. If they do not provide this, then they need to immediately delete that inquiry reported in my credit files for XX/XX/2017.
10/26/2018	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29621	Web
This company continues to report to my credit without verifying this account! I have put disputes in through the credit bureaus and XXXX was not able to verify this account and deleted it off my credit. However, the other credit bureaus still have this account reporting as verified. It also states they sent this account to a collection agency. I sent a letter to the legal dept according to FCRA 623 that I need this account validated! I get a letter back claiming they can't honor my request without signing it. This sound very sneaky to me as they claim they would have to do a signature comparison as a protection to me!!! *Attached is my letter to the company and a letter I received from the company
12/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 700XX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
11/04/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 76549	Web	Servicemember
I have a loan with First Franklin Bank in XXXX Ga that I have paid a XXXX a month. I have been to the bank on several accounts and have been told they are now using a new system to update credit reports but is having issues with the system. My report has not changed in over a year and I pay every month on time. I am XXXX military and the bank receives a payment on the XXXX and XXXX of each month. I have went to the bank and spoken with the branch manager and she has told me that the only thing she can do is forward it up to home office. I contacted the credit company in XXXX 2015 the issue was not fixed. My credit report is reflecting a balance of XXXX when I only owe XXXX
09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30034	Web
Upon obtaining my XXXX credit report, I noticed that there were unauthorized inquiries from 1st Franklin Financial. I have no banking relationship with this company and theyve pulled my credit on 2 separate occasions without my permission on the dates of XX/XX/XXXX and XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
08/29/2019	No	Payday loan, title loan, or personal loan Payday loan	Problem with fraud alerts or security freezes	GA XXXXX	Web
unlawful use of my personal information and social sercurity number, with out my knowdlege. A hard credit inquirie was posted to my credit repoort on XX/XX/2019 via 1st Franklyn Financi XXXX XXXX XXXX XXXX, XXXX, Ga. I have not done business with this company since they ripped me and my sister off years ago. I will never again do business with this comanpy, Ive tried to handeld this my sef but I am not getting very far. I think these people are taking advantage of peopel, they have tried to take out another lone with out me knowing or even being present in that office. They have stolen my idenity and I hope this is not normal business pratices.
10/08/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AL 364XX	Web
1st Franklin Financial or the process server by the name of XXXX XXXX claimed to have served me with papers on XX/XX/XXXX for a loan from XXXX which it completely false. Not once was I notified, served nor did it even show on my credit report stating I even owed them. Case # : XXXX-XXXX, process server lied about me being contacted and I didnt sign anything. I would like to know what kind of legal action can be taken against XXXX XXXX for his false statement as well as 1st Franklin Financial since it has affected my ability to get approved for ANYTHING. Theyre trying to garnish my wages and I will not let that happen willingly.
01/31/2023	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 700XX	Web	Older American, Servicemember
My loan is due on the XXXX of the month, they call and harass me everyday. I miss my payment for XXXX due to financial issues. However I corrected my issues and was going to double up on my payment. They blocked me from sending my payment online because of XXXX weeks late. What kind of rights do I have. Everyone is having problems and we all are trying to deal with it. Why should these companies get away with harassment and threats if you dont pay. Them calling everyday does not make sense to me and it doesnt change the fact that I dont have it. Please help, so no one else have to go through what Im going through.. XXXX XXXX
09/22/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	SC 29108	Web
I started receiving calls from XXXX Franklin Financial located at XXXX XXXX XXXX, XXXX, SC XXXX on XX/XX/2022 stating that I cashed a check that was delivered to my old address at XXXX XXXX XXXX XXXX, SC XXXX. I have not lived at that address in over a year and it's even on my driver 's license and my current bills show my new address. I asked for a copy of the check and the signature did not match mine at all. When I asked what account was it deposited to, they couldn't tell me. I have now been served by the XXXX XXXX XXXX XXXX for a lawsuit against me made by Franklin Financial. I have been looking for a lawyer.
11/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30014	Web	Servicemember
On XX/XX/XXXX, I myself XXXX XXXX XXXX made a payment at 1st Franklin Financial for {$340.00} cash or debit card with XXXX XXXX XXXX in XXXX XXXX or with a XXXX XXXX card. A receipt was given to me, with a confirmation # of {$340.00} @ XXXX XXXX by XXXX XXXX or the lady that sits in the XXXX middle of XXXX desks. The payment was not processed by either payment method, cash was needed he subject, I am accused of faulty XXXX payment which has my account behind til present dat, making double payments to become current. This tactic makes me not want to be involved with this XXXX XXXX at this time. XXXX XXXX XXXX
08/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 710XX	Web
The collector calls every other day, and sometimes daily! They show up at my house and leave bots send me letters, etc. I have spoken with them and let them know I am currently in a financial situation and I will try to do the best I can! They have threatened with suet and threatened to have wages garnishes from my check I told them that I was going to make a payment but I ca n't go a day with out them calling or showing up at my house at random times and when I do make a payment they harass me in the office if I make a partial payment they decline it and say it must be a full payment before they will except
03/15/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AL 360XX	Web
In XX/XX/2021 I contacted a repossession company to voluntarily repossess the SUV that had the title loan repossession company contacted first Franklin financial about the voluntary repossession. First Franklin refused and denied repossession company to repossess said vehicle. First Franklin has refused to update my credit report to reflect that's such loan has been fulfilled due to voluntary reposition on my behalf. First Franklin financial still to this date has refused to come get said vehicle vehicle has now been listed as abandoned and a new bill of sale and title is given to the new owner.
03/29/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	GA 30024	Web
1st Franklin had a data breach and now all my personal information is at risk. My credit has been ran with the incorrect spelling of my name. I get bulk emails. My personal information has been compromised. 1st Franklin has higher than normal interest rates you will pay triple your loan. This company should be shut down they prey on people with not so good credit. I DEMAND 1ST FRANKLIN TO DELETE MY LOAN AND ALL INFO OUT OF THERE SYSTEM DUE TO DATA BREACH. FIRST FRANKLIN IS VIOLATING MY CONSUMER RIGHTS. PER MY CONTRACT SIGNED MY INFORMATION WOULD BE PROTECTED. BUT MY INFO IS CURRENTLY BEING USED.
03/04/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39466	Web
1ST FRANKLIN ACCOUNT XXXX This account has been on my Credit Bureaus and I have disputed it numerous times and the Credit Bureaus state that the information is correct and it is Fraud and I am a victim of Identity Theft. I personally took the Police report to 1ST Franklin and they said that there was nothing that they would do about the account knowing it was not mine and I gave them a copy of my Drivers License so they could compare their file to my ID and they made a copy of it and put it in their file to start pursuing me to pay for this even though it is not mine.
05/13/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29210	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
01/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 291XX	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
06/21/2019	No	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Billing dispute for services	AL 365XX	Web
On XX/XX/XXXX I started getting garnishment on my check for an old loan. XXXX XXXX has not updated my payment history in my credit report. They haven't updated that I paid it off, I've submitted a document showing that legal deductions in the amount of {$550.00} was taken out. I did a dispute and all they did was updated it as negative payments and changed it from {$560.00} to {$470.00}. But what doesn't make sense if they changed the balance to {$470.00} then why didn't they change my payment history. Everything is incorrect with what this company reported.
06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 307XX	Web
XXXX XXXX XXXX in XXXX XXXX Made me an unsecured loan for XXXX and it was paid in full early. There were some late payments due to a divorce, but the loan was paid in full. XXXX is the only reporting agency that is still reporting this account and the company will not stop reporting it to them. This is the biggest problem I have with my credit. This account was paid in full XX/XX/2020 and should be removed from my credit report. This company has been asked many times, even by a credit repair company I hired to just drop it and remove the account to no avail.
03/06/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30016	Web
XXXX XXXX XXXX XXXX filed a judgement for none payment in XX/XX/XXXX. In XX/XX/XXXX I was asked to pay {$340.00} on XX/XX/XXXX, and {$160.00} every month beginning XX/XX/XXXX. I made the payment XX/XX/XXXX and every month after. After viewing my credit report I noticed my account reporting late for the month of XXXX, XXXX, and XXXX. There policy is a {$10.00} late fee and I was never charged a late fee any of the months mentioned above. I could not resolve the problem so I since payed off the account to avoid any future reporting of late payments.
11/07/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with additional add-on products or services	AL 35810	Web
Came home XXXX and was given legal paperwork from a completely different company from loan. Account was never sent to collection. I would assume this was company sale. Never received anything from XXXX XXXX XXXX about this transaction. I received paperwork from court in reference first Franklin financial which I never signed a contract with. Which proceeded to run my credit on there behalf with my signature it was ran off the XXXX XXXX application. This was filed in XXXX XXXX al XXXXalsley. Using in proper paperwork to file a civil action.
06/11/2017	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	GA 31602	Web
To give truck back first and they would n't accept it. Then I became XXXX so I was n't able to pay anything. Then my husband sign a paper for the insurance to pay they paid it all but {$340.00}. Those bills have been there ov er seven years it has reached statute of limitation for Georgia. I 've also heard about the double dip where they change numbers and go back or a letter for it to go another seven y ears. That 's not right to the consumer. And the fair debt collection practice Act.This has been open XXXX XXXX , 2010 .
12/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 350XX	Web
I was approved for a loan with 1st Franklin Financial in the amount of {$5000.00}. As of XX/XX/2021, the total of the loan with interest totaled {$6000.00}. I have made roughly {$1600.00} in on- time payments and yet the loan still has a balance of {$5500.00} not to mention the interest seems go increase on lower balances. The loan seems to have diminishing returns! With the monies paid, the balance should be somewhere around {$4400.00}. This is appalling, and I question their accounting. I would like an investigation.
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 296XX	Web
I have 2 accounts with 1st Franklin Financial. 1 of the accounts is now closed, and they have not reported it closed to the credit bureaus. I disputed that it was closed and 1st Franklin said that its not. Someone at 1st Franklin is confused because I still have a different account that is open. I see both accounts on my 1st Franklin login ; it says 1 is closed and the other is open. I think 1st Franklin should really pay attention to detail and correct their mistake to the credit bureaus.
02/16/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30274	Web
When I initially open this account my due date was on the XX/XX/XXXX of the month and my first payment was showing XX/XX/XXXX and I ask my due date to be changed to the XX/XX/XXXX of each month in XX/XX/XXXX. I made payment on XX/XX/XXXX and I found out funds was not received until XX/XX/XXXX and I immediately made XXXX dollar payment in which account was not made and it have shown on credit report as accurate and late. I never received a call or letter or anything saying account was late.
10/16/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	MS 38654	Web	Servicemember
I was wrongly sue by 1st Franklin. I did not get served. I went to the court house the and got information about and I was in uniform the day of court. I tried talking to your XXXX, Mississippi agents to resolve the problem.1st Franklin have a garnishment on my check. I submitted the requested documents and then they say they will not work with me. 1st Franklin broke the XXXX XXXX XXXX. 1st Franklin went against my rights as a military.
07/09/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30248	Web	Servicemember
Loan has been paid off since XXXX 2015, and is still being reported as an active loan on my credit report. When I contacted the company I was told that they have been working on the problem for over a year now. When I complained that my credit score was suffering, I was told " You and everybody else ''. They then told me that maybe it would be fixed in a couple of months. What can I do to correct this? My score dropped by XXXX points!
11/13/2018	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 705XX	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 1ST FRANKLIN FINANCI {$1000.00} XX/XX/2013 XXXX
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29651	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for an purpose.
04/20/2023	Yes	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	AL 36867	Web
I reached out to these companies via the credit bureaus and I haven't heard a response back in over 90 days. I feel like I'm being ignored and punished for something that is completely out of my control. I demand that this incorrect, inaccurate and unverifiable information be deleted from my report. Over 90 days with no response is ridiculous. Why put someone through the ringer whose actually trying to get to the bottom of this?
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 386XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
04/17/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC XXXXX	Web
On XX/XX/XXXX, First Franklin financial agreed to remove an inquiry off of my credit report ( complaint number XXXX ). To date the inquiry is still appearing on my XXXX credit report and I contacted XXXX today and they informed me that they havent received anything from First Franklin. Please mail me a copy of the letter that was sent to XXXX to remove the inquiry from my credit report and resubmit it it to the XXXX.
11/02/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30329	Web
A potential employer made me aware that my credit report is showing charge off amounts for XXXX XXXX XXXX 1st Franklin corporation and XXXX XXXX. I've paid the loans I've previous had and have the proof that they were paid for the 1st 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
01/03/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30047	Web	Servicemember
My Account with First Franklin is Paid In Full with a XXXX Balance. However, it is not reporting that way to all three credit bureaus. Also, during the time my account was open, hard inquiries were placed on my credit file instead of soft inquiries on XX/XX/XXXX and XX/XX/XXXX, in which nothing was signed stating hard inquiries would be placed on my credit file. The first original hard inquiry was on XX/XX/XXXX.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	SC 29532	Web
When trying to apply for a small loan it always saying that it want impact on your credit score but it does and when I apply always says decline I have a good job with great income but most of the system always denied or decline my offer and even when I'm trying hard to get back on track sometimes we face hardship and some of the loan offer don't try to work with u instead they just mark u as a negative credit
05/17/2023	Yes	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	NY 146XX	Web
I have 20 inquires back to back starting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
01/09/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31405	Web
I did not authorize this company to run my credit after the loan was granted to me, I let the company know that they were violation my consumer rights and I was going to complain. They told me that they were going to take legal action they said they were going to sue me for the past due balance. I want this account closed and paid off, and I would like to be compensated for them running my credit.
08/24/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35020	Web
Today 1st Franklin came to my place of employment. I was not at my desk but received XXXX voice mail messages from securty advising that someone from the company was in the lobby to give me a financial debt claim. I am very embarrassed. I entered into a reduced payment amount and I am experiencing financial hardship. I am not disputing the debt. But would like to settle for 50 %.
08/09/2020	No	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 30097	Web
I have a loan with 1ST FRANKLIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and 1ST FRANKLIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
09/28/2018	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 362XX	Web	Older American, Servicemember
I am filing this complaint on behalf of my NON-ENGLISH speaking XXXX-year-old mother. She can NOT read or WRITE English and has been diagnosed with XXXX. She was given this loan via check mailed to her which was taken and deposited at her bank. She did not understand that this was a loan. I attempted to contact and explain the situation to this lender and they refuse to help.
05/31/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29410	Web	Servicemember
First Franklin is reporting a charge off on my credit report. The account was delinquent, and we agreed on a settlement amount. After I received my tax refund, I paid the agreed upon amount. I honestly did not know the settlement was supposed to be listed as " settled in full '' until a lady at the bank told me yesterday when I was trying to co-sign on a car for my daughter.
06/21/2018	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 31906	Web	Servicemember
The loan had an insurance added to it that wasnt explained nor was I given an option to accept or decline. In the loan paperwork it shows if I had declined the insurance my payment would be {$300.00} less. Once I got home, I called and went back to the establishment but was told that I can drop the insurance but the contracted payment and loan amount would not change.
09/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30236	Web
XX/XX/2022 1st financial has since then harassed me almost everyday and continue to harass. This account is involved in an lawsuit but yet I'm still getting phonecalls emails text messages mail letters. Under law the credit bureau has to correct and inaccurate information. The company have not yet verified my information but it's still on my credit report
09/16/2018	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 754XX	Web
I informed First Franklin that I was no longer in position to pay them anymore XX/XX/2018 They should have received their letter XX/XX/2018 and I did send a INTENT TO PAY Letter along with a Notice to Cease Communication letter. And after they received these letters they have continued to withdraw from my account and that is a form of communication.
12/05/2017	No	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	SC 297XX	Web
I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about.
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30350	Web
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31721	Web
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
10/02/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30228	Web
IVE DIPSUTED THESE FRAUDULENT ACCOUNTS SEVERAL TIMES. XXXX AND XXXX HAVE REMOVED THEM. XXXX IS THE ONLY BURUEA THAT HAS NOT REMOVED THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE. THIS CANT BE LEGAL. IT SEEMS AS IF XXXX IS TRYING TO SABBOTAGE MY CREDIT PROFILE BY NOT REMOVING THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT REPORT.
04/24/2017	No	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	AL 355XX	Web
I took out a loan with XXXX XXXX XXXX XXXX Al my due date was Fri XXXX XXXX I got a letter Saturday saying my lawn was bought by another place I have never been to. I have not heard anything from XXXX XXXX I want to know why or how can someone buy my XXXX XXXX and force me to do business somewhere else
08/25/2020	No	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	SC 29501	Web
I have a loan with 1ST FRANKLIN, XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, 1ST FRANKLIN, XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
09/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	KY 40291	Web
I got a letter on XX/XX/22 saying I have a unpaid loan balance of XXXX and have a payment amount of XXXX from 1st Franklin Financial and I have not taken ANY loans with anyone and have never even contacted this company, I do not owe this money and dont know why Im getting this letter, it has to be fraudulent.
03/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	GA 30017	Web
My credit score has been impacted negatively from the two 30 days late payment history that has been reported to the 3 credit bureaus from my account. This account has been fully paid off and i would like to request that you remove the negative history from my credit report with each of the bureaus. Thanks!
10/11/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web	Servicemember
1st Franklin Financial has a hard pull on my credit report when in fact I have never applied for a loan with them. The hard pull shows on my XXXX Credit Report which shows a fair credit rating because of this and does not show on my XXXX Credit Report which shows a good credit rating.
10/19/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 398XX	Web
my bank pulled up my credit report checking and XXXX XXXX XXXX XXXX come up still oweing them what i done paid off, i went there and they gave me a paper stating it is paid off, no balance they XXXX XXXX stated nothing they could do so, i was told by local credit burea to dispute it.
02/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30233	Web
Account open in XXXX Went to collections paid it off in full To my understanding it was supposed to come off my report. Never did. tried to get a letter of goodwill. They wont work with me even though I paid it off in full. Theyre reporting it as if the account was opened in XXXX
10/08/2019	No	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 70737	Web
The company called First Franklin Financial services in XXXX LA on airline Hwy threaten to garnish my wages. I never got a loan from this company.never signed any paperwork I think this is my ex husband debt I been legally divorced for 2 years. I have no loans with this company.
06/14/2018	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	MS 38654	Web
On XX/XX/XXXX, 1st Franklin is reporting a " 30 days '' late from XX/XX/XXXX. I have had several loans approved and refinanced with this company. I have never paid an account 30 days late. My accounts were refinanced and the payment dates changed during the time of refinancing.
03/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30084	Web
My identity was stolen and I've attempted to contact 1st Franklin Financial about the problem and they've attempted to send me a validation but never sent me the agreement I requested. I attached a letter of my conditional acceptance that they completely disregarded.
07/15/2021	Yes	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	AL 366XX	Web	Servicemember
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
05/16/2018	No	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	AL 363XX	Web	Servicemember
Disputed incorrect information with the Credit Bureau and 1st Franklin several times. The Company continued to report incorrect information. I asked for the Attorney and then they looked into what I had disputed after several months of disputes.
01/21/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 36695	Web
1st Franklin local office on XXXX XXXX in XXXX, AL has harassed me by calling repeatedly. I recieved 5 phone calls between XXXX XXXX to XXXX XXXX while I was at work. They left 4 voicemails with the calls. 3 of the 5 calls are 30 mins apart.
01/11/2018	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 362XX	Web	Servicemember
Starting in XXXX i begin to have financial problems. I made the mistake of getting one installment loan and then i got another one to pay off the first loan. It eventually piled up and i was in a deep hole before i could realize it.
05/04/2018	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web
First Franklin Financial Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/25/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	MS 390XX	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
05/13/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	KY 42223	Web	Servicemember
First Franklin financial in XXXX GA has given me two loans since I have been XXXX XXXX military however now when I apply they tell me it's illegal if it's illegal I would like all the fees and interest back.
07/07/2023	Yes	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	MS 39211	Web
My credit was ran without my consent or by someone pretending to be me. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX J XXXX XXXX XX/XX/XXXX and XXXX of XXXX
11/28/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 306XX	Web	Older American
1st Franklin Shared Private information to an non affiliated Third party I demand my information be removed immediately from the consumer reporting agencies XXXX, XXXX and XXXX Also XXXX!
09/03/2023	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	TX 79924	Web
I have screenshots showing several calls they have made to me before XXXX harassing me. They have called me before XXXX on XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX )
05/05/2023	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	GA 30252	Web
A XXXX XXXX continues to call my place of employment which has caused me embarrassment and problems at work. I can not receive collection calls at my work XXXX XXXX XXXX XXXX.
08/22/2023	Yes	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	TN 37128	Web
1st Franklin has failed to verify the debt reporting to XXXX under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 393XX	Web
I have no knowledge of this hard inquiry. The hard inquiry is a result of identity theft and it must be removed within no later than 4 business days as per 15 USC 1681, c-2
07/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
Ive contacted the credit bureaus to investigate and initiate the fraud alert on the scam thats under my name and the creditor seems to be ongoing about this situation.
03/29/2022	Yes	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	GA 302XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.
10/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29223	Web
Amounts paid on account were not properly posted to account to allow for the interest to be applied to the correct balance. Therefore I was overcharged interest.
01/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70461	Web
1st Franklin with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.
10/09/2020	No	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	MS 39759	Web
I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.
04/11/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
This account is wrong amount because i paid this account for this company ( 1ST FRANKLIN FINANCIAL ) i do not know this amount of debit this is mistake.
02/03/2017	No	Consumer Loan Installment loan	Taking out the loan or lease	GA 30906	Web
i never applied for this loan but its showing up on my credit report and the credit bureaus are giving me the run around about this inquiry
05/04/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29150	Web	Servicemember
On XX/XX/2023 at around XXXX First Franklin Financial made a call to a reference of mines ( wife ) after being asked not to call again.
10/12/2019	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29223	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
03/01/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 31525	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30252	Web
The creditor First Franklin Pulled my credit report without authorization. On XX/XX/2022 at XXXX
12/27/2018	No	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you instead of your attorney	GA 30039	Web
Constantly receiving harrassing phone calls and they are harrassing a relative of mine as well.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	LA 70802	Web
I believe I made an inaccurate reporting dispute XXXX XXXX need help see credit score please.
03/02/2020	No	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	SC 29485	Web
Keeps reporting bogus remarks, etc from natrual distaer, write off, etc. needs to stop.
03/05/2020	No	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	AL 36507	Web
DID A HARD INQUIRY ON MY CREDIT WITHOUT MY PERMISION OR KNOWLEDGE AND HURT MY SCORE.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 374XX	Web
I have NO knowledge of this account. I was in the XX/XX/XXXXXXXX data breach
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 705XX	Web
I submitted disputes. I tried calling but I had no luck.
12/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	AL 361XX	Web
I applied for a loan. And didn't get any money
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39305	Web
I have no knowledge of this account
10/28/2018	No	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	TN 37086	Web	Servicemember
I did not authorize these inquiries
02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31008	Web

02/05/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	LA 71118	Web

01/31/2024	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AL 35661	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70563	Web

01/22/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77384	Web

01/21/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	KY 40220	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30019	Web

01/19/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30087	Web

01/19/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77384	Web

01/19/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29154	Web

01/14/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	TX 77584	Web

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77384	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35235	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78046	Postal mail

12/16/2023	Yes	Money transfer, virtual currency, or money service Money order, traveler's check or cashier's check	Fraud or scam	GA 312XX	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31757	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71201	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30215	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71201	Web

10/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	GA 30273	Phone

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36575	Web

08/15/2023	Yes	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	FL 33009	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29154	Phone

08/12/2023	Yes	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	AL 35405	Web

08/09/2023	Yes	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	TX 77004	Web

08/08/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	MS 39083	Phone

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29073	Web

07/28/2023	Yes	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	TN 37128	Web

07/18/2023	Yes	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	SC 29706	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30019	Web

06/15/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30092	Web

05/13/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39705	Web

04/30/2023	Yes	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	GA 30236	Web

04/17/2023	Yes	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	FL 33009	Web

04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32097	Web

04/04/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Reporting company used your report improperly	LA 70726	Web

03/31/2023	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	GA 30296	Postal mail

03/30/2023	No	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 11368	Phone

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30152	Web

03/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30253	Web	Servicemember

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30039	Web

03/14/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Reporting company used your report improperly	GA 30058	Web

03/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36853	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38655	Web

02/24/2023	Yes	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	AL 35611	Web

02/20/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30043	Web

02/09/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	GA 30103	Web

01/15/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70767	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43207	Web

12/27/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70058	Web

12/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78741	Web	Servicemember

12/05/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30643	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30141	Web

11/16/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MS 38901	Phone

10/27/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35094	Web

10/24/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 37725	Phone

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21239	Web	Servicemember

10/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30263	Web

10/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27616	Web	Servicemember

10/12/2022	Yes	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	AL 36609	Web

09/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	GA 30101	Web

08/29/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 74112	Web

08/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30461	Web

08/21/2022	Yes	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	GA 30673	Web

08/19/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 36274	Phone

08/14/2022	Yes	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	MS 38641	Web

08/05/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33134	Web

07/27/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 30081	Web

07/15/2022	No	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	OH 43326	Web

07/08/2022	Yes	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	LA 70460	Web

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

06/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31768	Web

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70563	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33134	Web

05/24/2022	Yes	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	GA 30017	Web

05/23/2022	Yes	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	GA 30165	Web

05/18/2022	Yes	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	OH 45140	Web

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39702	Web

05/05/2022	Yes	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	LA 71064	Web

05/05/2022	Yes	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	LA 71074	Web

05/05/2022	Yes	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	LA 71074	Web

04/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29360	Web

04/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29180	Web

04/04/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29360	Web

03/28/2022	Yes	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	TN 37066	Web

03/21/2022	Yes	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	AL 36271	Web	Servicemember

02/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31088	Web

02/10/2022	Yes	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	GA 30117	Web

01/12/2022	Yes	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	GA 30016	Web

01/04/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29180	Web

11/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30281	Web

11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35806	Web

11/08/2021	Yes	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	GA 30265	Web

10/22/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

09/28/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

09/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	TN 37076	Web

08/09/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31017	Web

07/23/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

07/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

06/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 30135	Phone

06/24/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

06/16/2021	Yes	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	GA 30294	Web

06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29550	Phone	Servicemember

06/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 398XX	Web

05/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

05/14/2021	Yes	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	AZ 85374	Web

05/10/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30309	Web	Servicemember

05/06/2021	Yes	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	GA 30215	Web

04/13/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70422	Web

03/14/2021	Yes	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	SC 29551	Web

02/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 31721	Web

02/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76014	Web

01/02/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	SC 29501	Web

12/31/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	AL 36526	Web

12/18/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31632	Web

10/16/2020	No	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30281	Web	Servicemember

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38127	Web

09/24/2020	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70453	Web

09/07/2020	No	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 71423	Referral

08/20/2020	No	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	TN 38478	Web

06/12/2020	No	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	GA 30117	Web

05/04/2020	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30228	Web

03/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35115	Web

03/01/2020	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	LA 71269	Web

01/27/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31210	Web

01/16/2020	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan		Phone

11/27/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TN 37334	Phone

10/28/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	SC 29601	Web

10/15/2019	No	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	GA 30035	Web

09/22/2019	No	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	LA 70179	Web

08/20/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30650	Web	Older American, Servicemember

06/29/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30101	Web

05/13/2019	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30650	Web	Servicemember

04/19/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35215	Web	Servicemember

04/18/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AL 35592	Referral

04/15/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70835	Web

04/12/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	GA 30539	Web	Servicemember

01/27/2019	No	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	FL 32792	Web

01/11/2019	No	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	FL 32792	Web

12/26/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30452	Web

07/21/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30228	Web

07/11/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29708	Web

07/05/2018	No	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	LA 70433	Web

06/28/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	LA 70301	Web

06/05/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AL 35586	Referral

05/30/2018	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	GA 30656	Web

05/29/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70179	Web

05/05/2018	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	GA 30157	Web

04/24/2018	No	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	AL 35640	Web

01/16/2018	No	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32216	Web	Servicemember

10/19/2017	No	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	SC 29708	Web

10/05/2017	No	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	LA 70634	Web	Servicemember

07/25/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 39851	Postal mail

05/26/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	GA 30043	Web

04/14/2017	No	Consumer Loan Installment loan	Taking out the loan or lease	GA 317XX	Web	Older American

03/21/2017	No	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 31326	Web	Servicemember

02/28/2017	Yes	Payday loan	Can't contact lender	GA 31024	Web

02/09/2017	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29115	Web

01/20/2017	No	Consumer Loan Installment loan	Managing the loan or lease	GA 30252	Web

12/06/2016	No	Consumer Loan Installment loan	Managing the loan or lease	AL 35235	Web

12/06/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 43068	Web

10/06/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29745	Web

08/17/2016	No	Consumer Loan Installment loan	Managing the loan or lease	GA 30907	Postal mail

06/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 394XX	Web

11/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71290	Phone

10/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31035	Web

10/19/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	SC 29461	Phone

10/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29461	Phone

08/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29512	Web

08/14/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 36203	Phone

07/23/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 35810	Web

06/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	AL 35215	Web

05/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35758	Phone

03/05/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Seized/Attempted to seize property	SC 29301	Web

03/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	SC 29224	Phone	Older American, Servicemember

02/23/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35904	Web	Servicemember

02/13/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30248	Web	Servicemember

01/12/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71202	Postal mail

11/04/2014	No	Consumer Loan Installment loan	Managing the loan or lease	GA 30135	Phone

10/07/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30294	Web	Servicemember

10/01/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71129	Phone

08/28/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30263	Web

08/27/2014	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	LA 71075	Referral

08/11/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30060	Web

08/11/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	SC 29715	Web

07/25/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Seized/Attempted to seize property	LA 70435	Phone

06/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AL 35806	Referral

06/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	GA 30013	Web

05/27/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29536	Web	Servicemember

05/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AL 35594	Web	Older American, Servicemember

05/08/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	AL 36201	Web

03/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30028	Web

03/11/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	LA 70363	Web

02/05/2014	Yes	Consumer Loan Personal line of credit	Managing the line of credit	GA 31602	Phone	Servicemember

11/01/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	LA 70562	Web

09/23/2013	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	AL 35215	Web

09/11/2013	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30292	Phone

08/13/2013	No	Credit reporting	Incorrect information on credit report Information is not mine	AL 35244	Fax

03/04/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30567	Postal mail	Servicemember