Advanced Resolution Services Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • CA
  • 95051
Web
Since XX/XX/XXXX and onXX/XX/XXXX, I have disputed the incorrect and invalidated Chapter XXXX Bankruptcy Advanced Resolution Services , Inc. ( ARS Inc. ) has listed under my social security and again and again ADVANCED RESOLUTION SERVICES, INC. ( ARS INC. ) alleges that it verified the reported Bankruptcy using on online system called XXXX and that ARS deems this online system of verification reasonable. ARS claimed it determined the accuracy of the information ARS reported on my credit file by using the truncated /redacted social security number on record and matching it with the social security number provided on my request for validation. The application of the Bankruptcy Rule 9037 makes using the truncated/redacted Statement of Social Security as a verifying tool very deceptive and very inaccurate and incomplete as ARS has not followed the due process outlined under the Fair Credit Reporting Act, to have access to the original petition and documents and complete information to truly validate their reporting. Furthermore, ARS stated in his XX/XX/XXXX response ( see attached ) that it finds my request for validation using the recommended process mandated under the Fair Credit Reporting Act which requires ARS to validate all reported public record/Bankruptcy information directly with the Bankruptcy Court and Not through any online database, frivolous. If I understand ARS statement ; it is stating that it finds the process the Fair Credit Reporting Act required ARS to use when information validation is requested by consumers frivolous. In addition, ARS refused to properly validate and verify the inaccurate public record it put on my credit file directly with the Bankruptcy Court and is now asking/requiring me to send a signed and notarized statement in order for ARS to investigate the disputed information ( see attached -ARS letter dated XX/XX/XXXX, last paragraph ). First of all, nothing in the Fair Credit Reporting Act permits a credit bureau to require ANY consumer to send a signed and notarized statement in order for that creditor or credit bureau to investigate the disputed information. I would like to put ARS on notice that by what they've just suggested, they are taking themselves down a very nasty path that will legally come back to bite them where it hurts, I assure you. ARS recent claim that the Bankruptcy information they are reporting under my name has been reasonably verified through their online system is seriously disputed. What ARS has done is keeping inaccurate, misleading information on my credit file and this is a blatant violation of the Fair Credit Reporting Act. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer documents and/or judgment ( s ). Advanced Resolution Services, Inc. needs to provide me with copies of all documentation associated with this alleged Public Record Account bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature including the complete social security statement and NOT a truncated/Redacted copy. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the Bankruptcy Court Clerks name, the name, address, and telephone number of each person contacted at the Bankruptcy Court regarding this alleged account. I am formally requesting a copy of any completely verified and accurate documentation provided during this validation with the Bankruptcy Court. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR or SOURCE in this case which is the Bankruptcy Court, they must remove said information from the consumer credit file. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. By ARS maintaining incorrect and inaccurate reporting on my credit file is a serious violation of the Fair Credit Reporting Act Sections : 609 ( a ) ( 1 ) ( a ), the FCRA Section 623 ( a ) ( 5 ). ( ARS INC. ) ADVANCED RESOLUTION SERVICES, INC. ( ARS INC. ) Claimed that the Bankruptcy Court reported that alleged bankruptcy under my social security. My inquiry to the U. S. Bankruptcy Courts confirmed the Bankruptcy Court Never reported any alleged Bankruptcy under my social security and that ADVANCED RESOLUTION SERVICES, INC. ( ARS INC. ) NEVER CONTACTED THE Bankruptcy Court and ADVANCED RESOLUTION SERVICES , INC. ( ARS INC. ) has never validated and verified this allege bankruptcy record entries on my credit report. The Bankruptcy Court further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. ( See attached letter from the Bankruptcy Court ). Considering the information indicating a Fair Credit Reporting Act violation. I have repeatedly asked ADVANCED RESOLUTION SERVICES, INC. ( ARS INC. ) to PERMANENTLY DELETE all bankruptcy information currently showing under my social security number from my credit report immediately but ADVANCED RESOLUTION SERVICES , INC. ( ARS INC. ) refused and continued to report inaccurate and unverifiable and unvalidated information on my credit report. The Bankruptcy Court mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. This is my Last Attempt for ADVANCED RESOLUTION SERVICES, INC. ( ARS INC. ) to correct their record and stop their non-compliance I need all bankruptcy information currently showing under my social security number to be IMEDIATELY and PERMANENTLY DELETED from my credit report. Be further advised that I am closely monitoring my credit file. Per Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau and Attorney Generals Office. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the ADVANCED RESOLUTION SERVICES, INC. ( ARS INC. ) I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. There is currently some inaccurate reporting on my credit report as a result of Identity Theft and Advanced Resolution Services , Inc. ( ARS Inc. ) is hereby put on notice to stop violating the Fair Credit Reporting Act and respect and follow the law by performing a proper validation of information it reported under my credit File as instructed by the Fair Credit Reporting Act. A copy of my Identity Theft Police Report is attached and Proper and physical validation with the Bankruptcy Court is hereby requested and if ADVANCED RESOLUTION SERVICES, INC. ( ARS INC. ) continues to violate my rights and the FCRA and still maintains these unverifiable, inaccurate and erroneous accounts under my social security number, I will have no recourse but to file a suit. ADVANCED RESOLUTION SERVICES, INC. ( ARS INC. ) is damaging my credit and hurting my ability to obtain financing and causing me harm. I will have no recourse but to file a suit in a federal court Sincerely, XXXX XXXX
12/10/2018 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
  • Problem with personal statement of dispute
  • OH
  • 43110
Web
XX/XX/XXXX Re : Complaint of XXXX XXXX XXXX Complaint ID # XXXX XXXX XXXX XXXX , XXXX has received your XX/XX/XXXX complaint from XXXX XXXX XXXX. Thank you for contacting us and for the opportunity to respond. To briefly summarize, XXXX XXXX complaint focuses on whether, as a consumer reporting agency, XXXX can properly report a bankruptcy XXXX it has reasonable grounds to believe is associated with XXXX XXXX and whether its procedures for re-investigating a dispute are reasonable. We believe XXXX has acted in accordance with the Fair Credit Reporting Act and that XXXX XXXX complaint is meritless. XXXX XXXX claims that XXXX has failed to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. A cursory review of those documents will reveal that XXXX XXXX is mistaken or misunderstands XXXX obligation in this regard. As you know, bankruptcy records are public record and are an important source of information lenders use in making credit decisions. According to our records, XXXX XXXX originally contacted XXXX on XX/XX/XXXX to request a copy of his XXXX consumer report and place a security freeze. The consumer report was mailed to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX we received a dispute from XXXX XXXX to validate the bankruptcy. According to PACER, it appears XXXX XXXX filed for bankruptcy on XX/XX/XXXX. In addition to matches on his first name, last name and address, the truncated Social Security number in the bankruptcy petition matches to the Social Security number XXXX XXXX supplied to XXXX to verify his identity. On XX/XX/XXXX XXXX sent the bankruptcy petition to XXXX XXXX with the matches highlighted. On XX/XX/XXXX we received a second letter from XXXX XXXX stating that the bankruptcy still was not validated. On XX/XX/XXXX we again sent XXXX XXXX copies of the Bankruptcy Petition highlighting the matches on his first name, last name, address and truncated social security number that he provided to us to verify his identity. As XXXX has informed him previously, it uses XXXX to obtain the bankruptcy records in question and then manually compares the identifying information in the publicly available bankruptcy records to the information he supplied to XXXX. XXXX is a federal government-licensed tool that permits licensees to access the same court records as are available as if a requestor had visited the court house in person. XXXX XXXX provides no legal basis for his position that the use of XXXX to conduct re-investigations is impermissible, and I have found none. In contrast, I have found cases in which a plaintiff has argued that the consumer reporting agency should have used XXXX. See, e.g., XXXX v. XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ). We view the use of XXXX to support re-investigations as reasonable. Once XXXX retrieved the relevant records from the court clerk via XXXX, XXXX XXXX manually matched various data points between the two data sets. You will immediately note the bankruptcy petitions match on his first name, last name and address, the truncated Social Security number in the bankruptcy petition matches to the Social Security number XXXX XXXX supplied to XXXX to verify his identity. As XXXX XXXX correctly notes, Bank.R.Proc. XXXX requires filers to truncate certain sensitive information. However, that rule does not prevent the public from relying on the information that is publicly available from making a reasonable determination as to whether it belongs to a particular individual. XXXX XXXX assessment of XXXX compliance with the FCRA and 5 of the FTC Act is fatally flawed. Importantly, in order to bring a valid case under the FCRA, XXXX XXXX must affirmatively demonstrate that the disputed credit information is inaccurate. See, e.g., XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). In other words, XXXX XXXX will need to represent that the bankruptcy is not his. Nowhere in any of XXXX XXXX correspondence does he make that allegation. Instead, he focuses all of his efforts on whether XXXX has verified the bankruptcy. Unless he can demonstrate that the bankruptcy is not his and that XXXX was unreasonable in its reliance on a presumptively reliable source. Interestingly, XXXX XXXX complaint includes this statement : Upon speaking to the DEPUTY CLERK for JUDGE XXXX and asking the status of this pending case, I was told it is not even close to being completed as they are still determining the scope of class and motion to dismiss to be filed. XXXX has seen almost that exact same language in other, ostensibly, unrelated and unconnected complaints alleging XXXX has not properly verified that a consumer has filed a bankruptcy. But even laying that observation aside, the substantive statement is irrelevant. The fact that the underlying case is still pending does not affect the precedential value of a published court decision. XXXX XXXX fundamentally misunderstands the application of law. We have identified a trend of requests for re-investigations, recently. Like XXXX XXXX, they almost uniformly allege that since a bankruptcy petition does not have the consumers signature, it is unverifiable or un-validated and that XXXX is insufficient for reinvestigation purposes. We have found instances on the Internet of so-called experts recommending this line of dispute. ( See, e.g., https : XXXX ; https : XXXX ). We will continue to afford XXXX XXXX an opportunity to place a consumer statement in his consumer file pursuant to 15 U.S.C. 1681i ( b ) regarding the accuracy or completeness of our information. I trust this letter satisfactorily responds to XXXX XXXX allegations. Of course, please feel free to contact me at XXXX, if you have any further questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX The validation came from a third party source. You claim that the clerk of courts gave you this information even though I have a certified letter from the clerk of courts that states " they do not provide public records information for verification to anyone ''. XXXX also violated the FCRA by not marking my consumer reports disputed by consumer on both XX/XX/XXXX and XX/XX/XXXX disputes that I sent to them during their 30 day investigation. They also failed to notify XXXX, XXXX XXXX, and XXXX to mark my credit reports as disputed per the FCRA " The creditor or CRA Failing to Follow Debt Dispute Procedures ''. When you submit a written dispute about the accuracy of an item on your report, credit bureaus and your creditors must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. There are a number of ways they can fall short of their duties, depending on whether they are the CRA or the creditor. Debt Dispute Violations by CRAs Some common violations by a CRA include failing to : notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute, or correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
11/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • OH
  • 43110
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX RE : Advanced Resolution Services / XXXX XXXX Complaint # 3 To Whom It May Concern : Attached you will find : - Original dispute letter to ARS, received on XX/XX/XXXX and signed for by Front Desk / Receptionist ; - Response from ARS, received on XX/XX/XXXX ; - Second dispute letter to ARS, received on XX/XX/XXXX and signed for by Front Desk / Receptionist ; - 2nd response from ARS, received on XX/XX/XXXX ; - Credit Report pulled on XX/XX/XXXX not showing disputed by consumer on credit report ; - Consumer report pulled and received on XX/XX/XXXX not showing disputed on my consumer report ; ARS has continually ignored my request for their method of verification and only cites XXXX as their source of the information. ARS goes so far as to admit in their response that they have reasonable grounds to believe that their information is verifiable even though Bankruptcy Rule 9037 prevents the public from viewing the B21-Statement of social Security. They merely assume that because identifying information matches, that is enough to verify a public record. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) the court stated : XXXX XXXX argues that it did not violate a duty to reinvestigate because it had no duty, as a matter of law, to go beyond the Judgement Docket in conducting its reinvestigation. We disagree. A credit reporting agency that has been notified of potentially inaccurate information in a consumers credit report is in a very different position than one who has no such notice. As we indicated earlier, a credit reporting agency may initially rely on public court documents, because to require otherwise would be burdensome and inefficient. However, such exclusive reliance may not be justified once the credit reporting agency receives notice that the consumer disputes information contained in his credit report. When a credit reporting agency receives such notice, it can target its resources in a more efficient manner and conduct a more thorough investigation. The credit reporting agencys duty will also depend on the cost of verifying the accuracy of the source versus the possible harm inaccurately reported information may cause the consumer. Additionally, Please be advised that the use of XXXX is an unreliable source as their own disclaimer states, The provider does not represent or warrant that this site or its content will be error-free Provider disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind in any way related to ( A ) any errors in or omissions from this web site and the content Futhermore, the fact that ARS cites pending case law, that has not been fully adjudicated ( XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), is a clear attempt to mislead me into thinking this case holds some precedent. Upon speaking to the Deputy Clerk for Judge XXXX and asking the status of this pending case, I was told it is not even close to being completed as they are still determining the scope of class and a Motion to Dismiss has been filed. Im sure you are aware that Lawyers alleged dishonesty in their practices exposes them to potential liability to third parties as well. For example, if a lawyer knowingly and substantially assists or encourages a clients wrongdoing ( ARS ), those who are harmed by the clients misconduct may sue the lawyer in court for allegedly aiding and abetting the clients misdeeds. I am well aware that ARS has broken several consumer protection laws both on the federal and state level. They have damaged my credit, preventing me from obtaining credit, loans, financing, etc. because they continue to verify and report a bankruptcy on my credit file that they have not, can not, and will not, provide me with their method of verification showing there is not one iota of a chance that they are reporting this information in error. Assuming information matches is NOT protecting a consumer from the possible harm inaccurately reported information may cause the consumer. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious erroring your reporting. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. I appreciate your time in helping to resolve this highly damaging, unverifiable entry on my consumer report with ARS. I look forward to hearing from you soon. XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX CC President of the United States Donald Trump The White House XXXX XXXX XXXX XXXX , Washington , DC XXXX Ohio Attorney General XXXX XXXX C/O XXXX XXXX, Consumer Complaint Specialist XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , Ohio XXXX Office of the Attorney General U.S. Department of Justice XXXX XXXX XXXX XXXX , Washington , DC XXXX XXXX XXXX , Advanced Resolution Services , INC. ( ARS ) Ms. XXXX XXXX, Chief Executive Officer XXXX XXXX XXXX, XXXX XXXX XXXX , Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ohio XXXX
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • NJ
  • 08724
Web
On XX/XX/2021, Advanced Resolution Services, ( ARS ) received a dispute from me in reference to an alleged XXXX XXXX Bankruptcy that is erroneously placed on my report that is on file with them Tracking ID : XXXX. In response to my dispute of this ARS responded with the attached letter stating that the information had been " verified as accurate '' by XXXX XXXX XXXX ( XXXX ). In response to this, I then sent a letter to XXXX requesting their method of verification, which is my right under FCRA Section 611. I asked for specific information pertaining to how the investigation was completed and who they referenced from the specified courthouse to obtain my information and citing several violations to my Rights under FCRA ( letter attached ). Instead of, providing the information I requested, XXXX responded with the attached letter, putting the responsibility on me " the consumer '', to contact the data source directly to resolve the issue, which they referenced as the US Bankruptcy court. In the letter they sent me, they reference themselves as the " furnisher '' and under FCRA " the furnisher '' has an obligation to only provide verified information that they know to be 100 % accurate to CRAs. XXXX has failed to adequately perform their obligation here and it is their responsibility to verify and validate information before furnishing it to other parties, not mine. XXXX has grossly violated my rights not only under FCRA Section 611 by not providing their method of verification but have continued violate my rights under FCRA Section 623 in reference to their obligations as furnishers. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. I am requesting immediate remedy in terms of how my rights are being violated now and previously based on the violations in previous paperwork attached to this complaint. I am further requesting that this complaint not be closed with explanation and that all parties respond here in reference to this complaint. I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute, including but not limited to : Name of the courthouse ; Persons name you verified the bankruptcy with ; Address ; Telephone number ; and Documentation furnished by the court, via a court employee, which would be the original creditor, used to verify the dispute. Additionally, I want to reference here as I referenced in my letter to XXXX that also they have violated my FCRA rights : 15 USC 1681 ( a ) ( 4 ) you have violated my right to privacy by going about fishing for erroneous negative information to put onto my credit file and additionally furnishing a 3rd party with information revealing alleged assets ( please see attached paperwork that was furnished by you to XXXX XXXX XXXX 15 USC 1681 ( b ) ( 2 ) you do not have permissible purpose, nor do you have written instruction to furnish any potential information about me or provide any documents defaming my character to any credit reporting agency. - 15 USC 1681e ( B ) you are required to follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. I addressed all this in my letter to XXXX as well as asked for their Method of Verification, but instead of addressing my concerns or providing me with what I asked for they sent a seemingly templated response ( see attached ).
11/26/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • PA
  • 17603
Web Servicemember
To whom it may concern, I have sent out certified letters to have the company to verify my bankruptcy on my credit report.they received a certified letter on XX/XX/2018 asking them to verify.They sent letter saying verified.Sent out a second letter and received on XX/XX/18 I ask them in the letter to give name, address, telephone number of each person contacted regarding this alleged account.They did not, only thing they sent was letter saying XXXX has verified my bankruptcy and saying ars use XXXX to identityfying information for bankruptcy records.ARS has continually ignored my request for their method of verification and only cites XXXX as their source of the information.ARS goes so far as to admit in their response that they have reasonable grounds to believe that their information is verifiable even though Bankruptcy Rule 9037 prevents the public from viewing the B21-Statement of Social Security.They merely assume that because identifying information matches, that is enough to verify a public record.In XXXX v XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) the court stated : ... XXXX XXXX argues that it did not violate a duty to reinvestigate because it had no duty, as a matter of law, to go beyond the judgment Docket in conducting its reinvestigation.We disagree.A CREDIT REPORTING AGENCY THAT HAS BEEN NOTIFIED OF POTENTIALLY INCACCURATE INFORMATION IN A CONSUMERs CREDIT REPORT IS IN A VERY DIFFERENT POSITION THAN ONE WHO HAS NO SUCH NOTICE.As we indicated earlier, a credit reporting agency may initially rely on public court documents, because to require otherwise would be burdensome and inefficient.However, such exclusive reliance may not be justified once the credit reporting agency receives notice that the consume disputes information contained in his credit report. When a credit reporting agency receives such notice, it can target its resources in a more efficient manner and conduct a more thorough investigation ... .The credit reporting agencys duty will also depend on the cost of verifying the accuracy of the source versus the possible harm inaccurately reported information may cause the consumer.ALSO, please be advised that the use of XXXX is an unreliable source as their own disclaimer states, THE provider does not represent or warrant that this site or its content will be error-free ... Provider disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind in any way related to ( A ) any errors in or omissions from this web site and the content ... Furthmore, the fact that ARS cites pending case law, that has not been fully adjudicated ( XXXX v.XXXXXXXX XXXXXXXX ( XXXX ), is a clear attempt to mislead me into thinking this case holds some precedent.Upon speaking to the DEPUTY CLERK for JUDGE XXXX and asking the status of this pending case, I was told it isnot even closeto being completed as they are still determining the scope of class and motion to dismiss has been filed.Assuming information matches is not protecting a consumer from the possible harm inaccurately reported information may cause the consumer.I appreciate your time in helping to resolve this highly damaging erroneous entry on my consumer report withARS.Ilook forward to hearing from you.
08/13/2021 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
  • Problem with personal statement of dispute
  • NY
  • 11226
Web
Upon reviewing the report Advanced Resolution Services , Inc ( ARS ) hold under my social security & name. I saw that there was some incorrect negative information being reported on said report/ file. The items reported by US BANKRUPTCY COURTXXXX on XX/XX/XXXX, XX/XX/XXXX & again in XX/XX/XXXX. I then challenged the accuracy, compliance and reportability of these listings. I asked ARS in a dispute letter writing on XXXX & mailed on XXXX using certified USPS Mail. The letter was recieved XXXX where I asked for them to please validate this information with US BANKRUPTCY COURT-XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security number. They then replied to me stating that US BANKRUPTCY COURTXXXX via XXXX XXXX XXXX with XXXX XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. I then wrote them a follow up dispute letter writing on XXXX & mailed on XXXX using certified USPS Mail. The letter was recieved XXXX. The letter is stating that they should be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Plus additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Also any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. I have yet to hear back from ARS & it has been over 15 days of the completion of their re-investigation as well. In the follow up letter I also stated to them that they should be aware that I am making a final goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Also I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should they continue in their noncompliance. I further remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against their company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
06/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information that should be on the report is missing
  • NC
  • 28052
Web
I chose the " missing information '' option because there was not option to fit my situation. I have requested a copy of my consumer report as well as a security freeze from Advanced Resolution Service after finding out that this company compiles information on consumers. On XX/XX/XXXX I mailed a copy of my drivers license, Social Security card and a recent utility bill to verify my identity, Social Security number and address along with the letter requesting the freeze and copy of my report. In response I received a letter dated XX/XX/XXXX demanding income information they are not entitled to. Their letter requested " Proof of your identity - Please send a XXXX, paystub or tax return showing your full social security number '' On XX/XX/ I mailed another letter refusing to send financial documents and asserting the my drivers license was sufficient proof of my identity and the copy of my Social Security card was sufficient proof of my social security number ( and in fact is the only legally valid verification of a Social Security number. ) Today,XX/XX/XXXX, I received a telephone call that I did not answer as it was from an odd 6 digit number ( XXXX ). A voicemail was left by a female who did not give her name stating she was calling from Advanced Resolution Service. She stated that they had received my second request for a copy of my report and a security freeze, and stated " in order to process your request we do need a copy of a XXXX, pay stub, or tax form showing your full Social Security number. We do not need your financial information, you can cross that part off, we just need an official document showing the use of your Social Security number. '' First, they have no right to request this, there is no way to cross off all sensitive information they are not required to from these documents, and financial records are not " official documents. '' The only reason I can think of for demanding financial documents as Social Security number verification is because they show place of employment, salary, family composition and much much more. More information for their data mining operation? None of these documents are even acceptable verification of a Social Security number by any stretch of the imagination. And do they flat-out deny reports to everyone who is XXXX or retired? None of those people have XXXX forms, check stubs, or tax forms. Highly illegal to discriminate against the elderly and XXXX in this manner. So, lets just say that I am retired and XXXX and/or have never worked a day in my life. Maybe I'm a recent college graduate, just starting out and not employed yet. None of their business. They have no cause to demand proof of employment in order to comply with the law. This is exactly what they are doing by refusing to acknowledge official government documents that verity Social Security number and instead demanding financial documents, which are not official documents, for that same purpose.
03/04/2017 No
  • Credit reporting
  • Incorrect information on credit report
  • Public record
  • CA
  • 93560
Web
I originally contacted ARS in XX/XX/XXXX to place a security freeze on my credit report held by them. My consumer report dated XX/XX/XXXX is showing a Bankruptcy in the name of XXXX with my social security number. I wrote to XXXX and sent them a certified letter with return receipt in XX/XX/XXXX asking them to VALIDATE the information. I received several phone call on my cellular phone from someone identifying themselves as Sue later identified as XXXX, XXXX. I did not receive a response from my XX/XX/XXXX letter until XX/XX/XXXX well over 30 days and per my credit report the information was NOT marked a DISPUTED as required by Federal Law. About XX/XX/XXXX I received a letter and informing me the item I disputed with ARS is being verified and will remain on my credit report. I sent another letter Certified mail return receipt asking ARS to VALIDATE the information contained in their files. I received a letter dated on about XX/XX/XXXX with an attachment titled ( Master Mailing List ) in the name of XXXX with my social security number. On XXXX ( XXXX ) different occasions I asked Advanced Resolution Services, Inc. to VALIDATE the information. As of XX/XX/XXXX ARS has failed to VALIDATE the information with the US Bankruptcy Court. This is not my name on the attachment as I ALWAYS use my suffix XXXX. So my father who is SR and my brother who is the III does not get confused. This is not my handwriting and that is defiantly not my signature. I am giving ARS one last opportunity to VALIDATE with the US Bankruptcy court before I file a civil suit against ARS Advanced Resolution Services XXXX Inc. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Chief Executive Officer for the following violation and I will be seeking a minimum of {$6500.00} 1.Violation of FCRA Section 611 Part ( A ) ( 1 ) for failing to respond to my original dispute dated XX/XX/XXXX will be seeking {$2500.00} for this violation 2.Failure to Comply to request to VALIDATE a violation of FCRA Section 609 I will be seeking {$1000.00} 3.Misrepresentation see XXXX XXXX ( XXXX ) : XXXX vs. XXXX, XXXX F. Supp. 502, 505 ( D. Conn. 1990 ) I will be seeking {$1000.00} XXXX. XXXX XXXX called my cellular phone on several occasion even after I told her I wanted everything dealing with ARS in writing. I also included my email as a form of communication ( see XXXX XXXX XXXX vs TCPA I will be seeking {$1000.00} for this violation XXXX to XXXX disputed on my credit report a violation of FCRA Section 623, I will be seeking {$1000.00} 6.Deformation, violation of the fair credit reporting act, negligent establishment of identity fraud.I will be seeking the maximum amount in my state. If at any time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Chief XXXX XXXX Want to VALIDATE said information or just remove without admitting any wrongdoing I will be willing to not peruse this matter in the court of LAW
11/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • DE
  • 19977
Web
In accordance with the Fair Credit Reporting Act Section acceptable lawful COMPLIANT REPORTING STANDARDS such as the potentially applicable standards and or regulatory requisites of reporting I am rendering this officially writ consumer CHECK OF COMPLIANT REPORTING and CHALENGE versus any and all DEFICIENCIES of reporting and or inability to DOCUMENT factual reporting verifiability of validness, truth, accuracy, completeness, timeliness, ownership ( s ) of responsibility, and or certifiability of the mandated compliant PROCESSES of reporting and mandatorily perfect complete certifiableMETRO 2 FORMAT compliance of reporting standard ( s ). Beyond this, I am practicing my right to challenge questionable information reporting that I have found on my personal credit report, be it due to potentially erroneous and or misleading claims/data, or be it due to UNVERIFIABLE or INVALIDATE and or not CERTIFIABLY COMPLIANT REPORTED claims REGARDLESS of circumstances else wise. REPORTING REQUISITES and standards of appropriate reporting are MANDATES NOT OPTIONS of reporting, even correct true claims NOT reported precisely according to requisites of certifiable compliant reporting PROCESS and or FORMAT ( ie METRO 2 DATA FIELD FORMATTED reporting 's ) are DEFICIENT of report-ability if not ABSOLUTELY documented and provable. I do not recognize the information listed below as having ever been demonstrated factual in reality much less certified compliantly reported in the mandatory processes of reporting and with the factually perfect and complete certified mandated format ( METRO 2 ) of reporting standard ( s ). For the preceeding reasons among others, I here now EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY REPORTED be reported and DEMAND any deficiencies be ERADICATED else wise. I DEMAND in this lawful request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid or not. OBVIOUSLY at a bare minimum any alleged reporting data furnisher would be necessarily required to at least be able to verify my complete file information EXACTLY AS I HAVE INDICATED ABOVE and NO OTHER WAY including full First and Last names, my current correct resident address Street Number and Street Name as well as City and State, my factually correct date of birth and the factually correct last four of my reported SSN #. ANY DEFICIENCIES require IMMEDIATE and COMPLETE ERADICATION of reporting PERMANATELY!
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NJ
  • 08046
Web Servicemember
XXXX XXXX XXXX XXXX AM ( XXXX minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent. I will not furnish you with an address because I do not have XXXX ; as I am currently XXXX XXXX XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX XXXX XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card
10/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • WI
  • 53144
Web Servicemember
I have been battling with ARS and XXXX since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. XXXX and ARS both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is XXXX. When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. Most recently both ARS and XXXX both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. However XXXX and ARS both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. ARS further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. XXXX has lost several lawsuits recently for these practices I've mentioned. ARS and XXXX must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.
07/25/2018 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
  • 31707
Web Servicemember
A dispute was submitted to ARS ( Advanced Resolution Services ), formerly known as XXXX XXXX, regarding a bankruptcy on my consumer disclosure credit report with ARS. An improper investigation was conducted, such as not following proper procedures per FCRA ; thus violating FCRA rules. Since ARS failed to properly investigate this matter, I feel the bankruptcy should be removed from my credit report immediately. I hereby demand, per FCRA 611 ( 15 U.S.C. 1681I ) that ARS provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. ARS is required to provide the following within 15 days of receiving this request : The name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy. I also demand to know who ARS referred this dispute to ; and who responded back with the required verification. FCRA Section 611 ( a ) ( 2 ) requires you to contact the furnisher of the information. PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, ARS 's claim that PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires notifying the party who furnished the disputed information, ARS is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices. '' Furthermore, ARS claim could potentially constitute a violation of Title 18 United States Code - Section 1028. Again, I am demanding a re-investigation AND the method of verification with the information furnisher. Attached to this complaint is a copy of my initial dispute letter dated XX/XX/2018 and a copy of the response form ARS.
08/28/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • GA
  • 30080
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX SSN XXXX DOB XX/XX/XXXX PHONE : XXXX XXXX XXXX XXXX Advanced Resolution Services XXXX XXXX XXXX. XXXX XXXX XXXX, Ohio XXXX Dear Legal Department, I humbly request a copy of the consumer report from your agency and I ask now for no future late or derogatory information reported by anyone as there has been significant identity theft over the past year. Specifically when I spoke with one of your agents she indicated there was a bankruptcy on my report. Once I receive the report, I will send the appropriate information disputing this account and others. Moreover, I request you immediately put a security freeze and alert on my file as well as fraud alert as this Dispute Letter serves as my formal complaint to this agency because you are reporting inaccurate credit account information. Additionally Ive submitted a formal complaint to the Consumer Financial Protection Bureau. Policy states. According to the FAIR CREDIT REPORTING ACT FCRA Section 168Ic Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Sincerely, _________________________________ Enclosures : Proof of Identity Drivers License and Social Security Card
06/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 95203
Web Servicemember
Advanced Resolution Services , Inc., This letter serves as a response to your letter dated XX/XX/XXXX. I have been seriously harmed for false credit account information ARS has provided to credit requestors listed under the section titled Credit Card Unauthorized Use Report Section. I do not recognize these false accounts and they do not belong or have anything to do with me. These accounts are listed below. My credit report was obtained illegally because the companies who viewed it did not have the right to do so, therefore, inquires and/or false accounts can not legally stay on my report per FCRA. The FCRA provides legal action against a credit reporting agency, or any other person or entity that violates the law, for negligent or willful noncompliance with the law within two years after discovery of the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Under the FCRA, there are provisions for actual damages, including court costs, attorneys fees, lost wages, and defamation and intentional infliction of emotional distress. I understand that ARS may not be interested in fixing inaccuracies because doing so is contrary to what your objectives are ; to satisfy the furnisher of the information ( creditor ). Therefore, I have requested an investigation on ARS, Inc. with the U.S. Consumer Financial Protection Bureau. I am requesting you ( ARS ) to investigate the following inaccurate and/or fraudulent accounts and I want them removed by suppression technology ( not blocked ) so that they will not falsely reappear :
10/06/2021 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
  • Their investigation did not fix an error on your report
  • FL
  • 32174
Web
On XX/XX/2021 I sent a letter via XXXX to XXXXS in regards to the bankruptcy listed on my ARS report. In response I received a letter back on XX/XX/2021 stating that ARS verified the " alleged '' bankruptcies through XXXX. However on XXXX website, they explicitly state " XXXX DOES NOT MATCH BANKRUPTCY INFO TO XXXX CREDIT FILES ''. XXXX so how do YOU consider this information verified if XXXX is stating they don't verify such information? If XXXX is reporting data it obtained from a company who isn't FCRA compliant then XXXX wouldn't be FCRA complaint, right? XXXX claims they get information from XXXX, but XXXX doesn't report full SSN 's so how are they verifying who the records belongs to? Just guessing? I have also reached out the courthouse these " bankruptcies '' is housed at, they responded back with a letter stating they do NOT release information to 3rd party companies. Also if you have not physically gone and received documents with my full social security number this is NOT a verified item which means it must be immediately removed. Neither XXXX nor the courthouse release information to any 3rd party companies. Provide exact proof on how these " bankruptcies '' were verified as accurate showing FULL SOCIAL SECURITY NUMBER as proof. ARS in return sent in information only showing the last four of a social security number, which is NOT verification. Items are unverified if full social security number is not shown. XXXX is not a for profit company thus does not supply full social security numbers nor information to 3rd party companies.
04/23/2022 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
  • MA
  • 01519
Web
Dear Advance Resolution Service, I have been waiting over 60 days since you didnt respond to my dispute for inaccuracy you are reporting on the bankruptcy record # XXXX with the inaccurate case number because you are reporting it as XXXX. Case number XXXX is inaccurate because it is supposed to be XXXX and not XXXX. The FCRA 15 u.s.c. 1681i for the law that said, because you have failed to respond to my dispute letter of XX/XX/2022 for more than 30 days you must remove or delete this inaccurate information. Delete this Bankruptcy immediately. I disputed this inaccuracy on XX/XX/2022 the by us certified mail tracking number XXXX to the mailing address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX OH XXXX, and you received and signed for it on XX/XX/2022 as shown on the supporting documents I attached to this complaint. I also called you several times on XX/XX/2022 asking you regarding this matter but you responded that you had received the dispute, but you ignored me by sending me a previous dispute response from XX/XX/2022. This Violation must stop because as a consumer we are protected by the law 15 u.s.c. 1681i. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Delete or remove this Bankruptcy because youre reporting inaccurate information on my consumer report. Sincerely, todays date XX/XX/2022
11/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MS
  • 39157
Web
Beginning XX/XX/2018 I begin my dispute process with XXXX, XXXX, XXXX and ARS concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, XXXX, ARS, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
05/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem canceling credit monitoring or identify theft protection service
  • OK
  • 73072
Web Servicemember
OnXX/XX/XXXX I mailed a letter to Advanced Resolution Services ( ARS ) requesting a Security Freeze and informing them that I could be a victim of identity theft. I attached all required documents in order to allow ARS to verify my identity prior to processing my request. OnXX/XX/XXXX, I received a response by mail stating that my request was denied because a signature was not provided. OnXX/XX/XXXX, I mailed a second letter with the required documents reattached and demanded my request be processed as a signature is not required by any regulatory body as a method of uniquely identifying an individual. OnXX/XX/XXXX, I received a second letter from ARS denying my Security Freeze request. The second letter I received provided no direct response to my challenge regarding the signature and therefore provided no reasonable path to a solution. XXXX had no problem fulfilling my request without a signature. I provided the exact same information to XXXX and they complied quickly and professionally. ARS has compromised compromised my livelihood and violated my rights by denying my right to a Security Freeze. I have attached copies of the correspondence and evidence I provided to ARS with each of the two requests. I simply want my request to processed as ARS is legally required to honor.
08/01/2017 No
  • 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
  • CA
  • 91406
Web
I was advised that when applying for a XXXX XXXX credit card product, a business, " ARS, '' would produce a report that would be used in determining my qualification for an extension of credit. Using the Internet search engines XXXX and XXXX I 've been able to find suggestions that the full business name is " Advanced Resolution Services , Inc. '' operating within the state of Ohio, and I 've seen suggestions that this is a subsidiary of the XXXX card-processing company. I looked up that business name with the Ohio Secretary of State and can not find a lawful business record of incorporation with that state. I 'm unable to find any additional contact information for this business. Other individuals have suggested that the business deliberately avoids consumer contact to mitigate their regulatory burden -- that is, they make it intentionally difficult for consumers to request a copy of their credit report to avoid the costs of such creations. There is no website for this company, and I ca n't find any way of contacting them by phone to request a copy of my report or information on how to do so. As a consumer, I feel this is unethical, unfair, and possibly in violation of American consumer financial protections.
05/04/2017 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
  • Problem with personal statement of dispute
  • IL
  • 60403
Web
On XXXX / XXXX /2017 I received correspondence from CFPB # XXXX regarding a complaint filed on XXXX / XXXX /2 017 a gainst Advanced Res olution Solution Services , Inc, I calle d ( ARS ) an d spoke to a XXXX XXXX regarding the accuracy of the bankruptcy that is placed on my report I sent documentation from the courts that stated that they do NOT report to credit reporting agencies and also confirming that there is false information on my report she stated that the report was accurate and direct me to look on pa ge 6 of 8 on the report up under the account information and there should be a statement that read " Bankruptcy record furnished by Advanced Resolutions services, inc. '' I told her that the area that she was speaking of was blank on the report that was maile d to me o n XXXX / XXXX /2017 she asked me to fax over a copy and I stated that I would.fax the document on XXXX / XXXX /2017, enclosed is a copy of said report page 6 of 8.and a copy of the fax cover sheet. I am requesting again that the recor d be permanently deleted off of all my reports.
04/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • SC
  • 29488
Web
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
04/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NY
  • 13903
Web
Dear CFPB - 3 Companies involved! 1 XXXX 2 XXXX 3 Advanced Resolution Services ( ARS ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said ARS was the credit bureau that was involved. They failed to provide my ARS report. - They also failed to provide a proper phone # for ARS. The # that was provided had a serious problem. - The last 3 digits of that # were the short code for dialing a swat team in an emergency! - If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. - It would accidentally lead to SWAT Teams being deployed! - A lot of safety problems with that! - I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. Please send reply to my paper mail address! - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
07/09/2021 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
  • TX
  • 75951
Web
On XX/XX/2021 I sent ARS information to dispute an unverifiable bankruptcy that was appearing on my report and on my wifes XXXX XXXX report. I sent them all information, including a police report. On XX/XX/2021 they said they verified the bankruptcy. On XX/XX/2021 I received a letter from ARS stating they were putting the bankruptcy in dispute status. On XX/XX/2021 I sent an email to the manager XXXX XXXX with questions on the investigation. She said the bankruptcy was in dispute and would be removed when the got a certified court order. I call a number of times and they hadnt received it. I called after XX/XX/2021 and the representative said XXXX was on vacation and would return on XXXX XXXX. I spoke to XXXX on XX/XX/2021 after speaking to a representative who said it was still in dispute. I told XXXX it had been over 30 days and they must remove. She said they put it in dispute as a courtesy. I said there is no such thing. You must remove because the time ran out. She said no.
07/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 33578
Web
I mailed a letter to Advanced Resolution Services ( ARS ) on XX/XX/2021 via certified mail and they received it on XX/XX/2021. I disputed the method they used to verify this alleged bankruptcy because they stated they verified this information with a third party agency called XXXX XXXX XXXX. They did not respond to my letter. Per the FCRA they have failed to legally verify this alleged bankruptcy. Section 609 of the FCRA states that you MUST verify with the original furnisher of this alleged bankruptcy. This information would need to be verified with The United States Bankruptcy XXXX XXXX XXXX of Florida. I received a letter from The United States Bankruptcy XXXX XXXX XXXX of Florida which sates they do NOT report any information to third party agencies such as XXXX or ARS.This alleged bankruptcy needs to be deleted from my consumer file as it is NOT verified. I reserve the right to sue ARS for violation of my consumer rights as specified under both the FDCPA and the FCRA.
03/21/2022 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
  • IL
  • 60069
Web
On XX/XX/XXXX, I sent Advanced Resolution Services ( XXXXRS ), INC. an email requesting that they provide documents of information they used to verify an alleged bankruptcy. On XX/XX/XXXX, ARS responded stating that the information was verified by XXXX on XX/XX/XXXX and provided a voluntary petition from the United States Bankruptcy Court obtained from PACER. On XX/XX/XXXX, I replied to ARS noting that Public Access to Court Electronic Records ( PACER ) is an electronic public access service of the United States Federal Courts and is not considered a verification tool/resource as verification/validation must come from the original. On XX/XX/XXXX, ARS replied with the same response from XX/XX/XXXX and included the voluntary petition form obtained from PACER. I've requested that ARS remove the bankruptcy from my file if they are unable to verify the alleged bankruptcy noting that PACER is a for profit agency and can not be used to verify bankruptcy.
12/29/2020 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
  • NV
  • 89166
Web
In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. I ended up finding out several weeks later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact, I had an XXXX credit score! Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports but I have not received my reports from XXXX and Advanced Resolution Services even though I have ordered them at least 3 times since XX/XX/2020.
04/07/2022 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
  • MA
  • 01560
Web
I disputed by certified mail on XX/XX/2022, XX/XX/2022, and XX/XX/2022 this bankruptcy with the case number XXXX because Advanced Resolution Services is reporting inaccurate information because this bankruptcy is not mine because it is not my correct name, my full social security number or my full date of birth so, I am attaching my Social Security Card picture showing my correct first name and last name because it is different from your documents. ARS you must remove or delete this bankruptcy immediately because you have wrongfully mixed my name with some else information. You responded to me on XX/XX/2022, XX/XX/2022, and XX/XX/2022 file # XXXX did not fix or deleted this false reporting on my bankruptcy because you did not investigate 100 % so, please delete or remove this bankruptcy immediately. I attached 6 supporting documents including my identification and the US postal service tracking numbers please check.
08/12/2019 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
  • IL
  • 60148
Web
I am having a problem with Advanced Resolution Services INC. they will not provided me proof of verification of a Bankruptcy Chapter XXXX on my public records. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on my credit report. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of the accounts on my public records. I have enclosed a copy of the method of verification letter that was sent to Advanced Resolution Services Inc. as well as a letter from the Illinois Federal Bankruptcy Court stating they do not give any information to any third party Advanced Resolution Services INC. Also my Social Security Number is not listed as well as my address is incorrect.
04/05/2022 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
  • OH
  • 45440
Web
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to ADVANCED RESOLUTION SERVICES INC. , and there is no third party involved. ADVANCED RESOLUTION SERVICES INC., has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO, DEMAND ADVANCED RESOLUTION SERVICES INC., VERIFICATION METHOD. WITHOUT RECOURSE. I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.
01/17/2021 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
  • TN
  • 38107
Web
On XX/XX/XXXX, I sent a letter to Advance Resolution Services challenging the validity of these alleged bankruptcies they have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with Advanced Resolution Service. I have gone to the courthouse, and they have also stated they did NOT verify this information. I requested from ARS to please send me whatever documents of information they have personally used to verify these alleged bankruptcies, immediately. If they can not produce such documents these bankruptcies needs to be removed from my file as it is defaming my character as well as update the credit bureaus. As of XX/XX/XXXX I have yet to get a response from them.
10/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • OH
  • 43110
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belonged to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH , XXXX, XXXX XXXX XXXX XXXX OH, XXXX. I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXXplease remove any other spelling or variations of my name they are not correct.
07/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Public record information inaccurate
  • PA
  • 18940
Web
On XX/XX/XXXX and XX/XX/XXXX of XX/XX/2018, per the FCRA Law, I asked Advanced Resolutions Services Inc. for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. Advanced Resolution Services Inc. didn't respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10065
Web Servicemember
XX/XX/2021 To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as accounts on my credit report. Negatively affecting my credit/life. You also have incorrect names and variations listed, which is not normal. This is an immediate request for removal and blockage of incorrect and mis-represented information. It seems that a new account not belonging to me is appearing every few days. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is unacceptable! Please remove the incorrect information immediately from my file.
09/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • IN
  • 46902
Web
I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on XXXX XXXX sites and the fact my information was compromised in the XXXX data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
05/17/2021 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
  • MO
  • 63138
Web
I want to contact someone at your company to let you know that I mailed a letter to XXXX, XXXX XXXX, XXXX, ARS, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
11/27/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 92223
Web
On XX/XX/XXXX I sent a letter to Advanced Resolution Services ( ARS ) informing them that I have had ID Theft issues and that I needed my credit report frozen this letter was signed and delivered by the USPS with Certified Return Reciept. I enclosed a copy of the police report indicating that someone had opened a XXXX XXXX XXXX account in my name and used it to fraudulently obtain merchandise. On XX/XX/XXXX ARS improperly responded back indicating a signed request was necessary? On XX/XX/XXXX I sent, via USPS, a letter once again asking them to immediately honor my second signed request to completely and permanently freeze my credit report. I have received no response even from my second request.
08/06/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • GA
  • 30023
Web Servicemember
On or around XXXX 2017 I contacted ARS ( Advanced Resolution Services, Inc. ) in regards to obtaining a copy of my report and to also put a freeze on the file due to identity theft and/or a merged file. On two different occasions I faxed over the request documentation and each time the company would respond in writing stating I need to provide proof of identity although I had done that both times by providing my GA drivers license, and SSC as well as a bank statement/XXXX. On XX/XX/XXXX, I received again the same exact letter from the previous two attempts but this time I included a notarized copy of the information mentioned above. On all communication the reference Log # XXXX.
03/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 62226
Web
On XX/XX/2018 I sent a certified letter to XXXX disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that XXXX VALIDATE that said information was mine. I advised XXXX that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet XXXX still claims the BK Court has CERTIFIED the information is accurate. Advance Resolution Services INC. has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.
08/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30350
Web
I am sending this final good will letter to inform you that i am seeking litigations against your company. I am a victim of identity theft which my personal information was leaked during a credit breach which my credit and life in general has suffered severe pain. Life has been really difficult for me in the recent past months. I have been denied credit for something i have no control over where my information was leaked causing fraudulent accounts and inquiries to be placed onto my account. I am in distress and i look to resolve this matter as soon as possible within 3 business days. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
03/10/2022 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
  • IL
  • 60153
Web
I am appealing to your authority to have XXXX , Inc. to release confirm or deny that a security freeze has been placed on my credit report. When attempting to get these results on my own accord by requesting the confirmation that the security freeze did indeed take place, XXXX refuses to give or provide a definitive answer. My rights under FCRA allow me to place security freezes on my credit file upon request. Please assist me as soon as possible in obtaining the necessary contact information in order to place a security freeze with XXXX and therewith, compelling them to follow the well-known directives from FCRA.
03/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45440
Web
On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written permission to furnish said information and under the FCRA ( Fair Credit Reporting Act ) you are committing a federal crime. Within thirty ( 30 ) days, I asked that you give me written notice of instructions. You have are willfully noncompliant and according to FCRA ( Fair Credit Reporting Act ) are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.
02/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • OK
  • 74104
Web
I have challenged the bankruptcy ( bk ) on my report. The data furnishes and credit bureau claims that they have validated from public records and the data furnisher XXXX XXXX and ars. I got a letter from the XXXX XXXX house saying they do not provide any information to any third parties like the credit bureaus or data furnisher. XXXX XXXX removed the bk from their report based inaccurate information. I sent all the letter challenging the information along with letters from XXXX XXXX and the bk court house. I request the bk be removed immediately according to FCRA
10/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CO
  • 80021
Web
Received a letter from an unrecognized consumer reporting agency named Advanced Resolution Services notifying me of changes to information they provide about me to financial institutions. The letter goes on to say i can request a copy of these changes to their report but requests things like my social security number, copy of my drivers license or passport, and signature among other personally identifiable information. I did not contact this company. Tried to look them up but there is no information on the internet other than similar complaints/ issues
10/01/2020 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MS
  • 39305
Web
This company has been notified on multiple occasions that they are reporting inaccurate information on my credit report. This company continues to violate the fair credit reporting act by falsely reporting information. They are showing that the information was provided by the US BANKRUPTCY COURT. I have sent this company a letter directly from the court stating that they do not furnish information to 3rd parties. They continue report this when I have informed them that its being reporting inaccurately. I demand for this company to remove this.
01/28/2022 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
  • FL
  • 32003
Web Servicemember
XXXX, I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were expected they just waitedXXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP.
04/25/2020 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
  • 78253
Web Servicemember
I asked the company to provide the name, address, and telephone number of each person contacted regarding this alleged account ( Bankruptcy ). I requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this account ( Bankruptcy ). The company continues to tell me the item is verified by public records. They are purchasing public information from a third party and can not verify that the information is accurate with the actual furnisher of the information.
12/22/2018 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
  • MS
  • 39202
Web
I mailed a dispute letter to the credit reporting agency over two months ago and have not received a response. I believe this a stall tactic by this company. I feel they are disobeying FCRA regulations and intentionally not answering my letter and also in the process of violating my rights as a consumer. The information I'm disputing is causing harm to my credit report and credit scores. Its also causing me to not be able to apply for new credit lines and find balance to the stress they have caused in my life.
07/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44105
Web
contacted the credit and to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please Ive attached my social and my drivers license
01/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • IL
  • 60634
Web
I mailed a letter through the USPS Certified Mail, to request my consumer file, a security freeze, and information deletion. The letter was delivered on XX/XX/2022 according to the tracking number. They are supposed to respond within five days indicating receipt of my letter. I have yet to receive : my consumer file, a letter confirming that a security freeze has been placed, or a letter confirming deletion of my information from their files.
03/29/2017 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • IL
  • 60565
Web
This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share information to 3rd party agencies or data mining companies. This third-party credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.
03/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 61603
Web
MY CONSUMER REPORT WITH ADVANCED RESOLUTION SERVICES , INC SHOWS INCORRECT BANKRUPTCYS RECORD NUMBERS. THE UNITED STATES BANKRUPTCY COURT CASE NUMBERS FOR ALL 3 PUBLIC RECORDS DONT MATCH UP ON ARS CONSUMER REPORT. ON XX/XX/2019 THEY VERIFIED ALL 3 PUBLIC RECORDS ARE SHOWING ACCURATE. XX/XX/XXXX XXXX XXXX, AND XXXX XXXX XXXX DONT HAVE ANY BANKRUPTCYS ON MY CONSUMER REPORT, P.S IM ALSO A VICTIM OF IDENTITY THEFT
05/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TX
  • 75052
Web Servicemember
I've made attempts to freeze my credit reporting by your company as i'm protected by FCRA and the online automated system gives an error once everything is submitted. I had to go outside your website to find a fax number to send a formal request! This is not compliant with FCRA protections for consumers. I want be written notification by your company once this is corrected or I will report your company.
07/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OH
  • 44128
Web
Have contacted advance resolution services multple times concerning a security freeze due to I am a victim of Identity theft. Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.
01/28/2022 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
  • FL
  • 32003
Web Servicemember
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33578
Web
I sent a letter to Advance Resolutions Services , Inc on XX/XX/2021 located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX and they received my letter via certified mail on XX/XX/2021. I requested that they mail me a copy of my consumer disclosure report and they have failed to do so. I want my consumer report mailed to me immediately as it is my right as a consumer.
12/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 15205
Web
Advanced Resolution Services Inc. has refused to follow the Fair Credit Reporting Act Section 605A which states that a consumer reporting agency needs to place a security freeze within 1 day by phone and 3 by mail. ARS is now stating that they do not need to follow the Fair Credit Reporting Act because they are not a National Consumer Reporting Agency.
02/07/2020 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
  • NY
  • 10003
Web
I requested a credit report from ARS ( Advanced Resolution Services ) on XX/XX/2019. They replied quickly by sending me a letter in which they request hardcopies of confidential documents like W-2 and paystub. It should be hassle-free to receive a credit report, especially without disclosing additional confidential information.
04/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NY
  • 13903
Web
I have never received my consumer report from ARS ( Advanced Resolution Services )! I have been trying to get that since 2017! At least 2 companies did adverse actions to me citing ARS! Is that the tip of the iceberg? What if more companies did adverse actions because of ARS and I don't know about it yet????
02/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • MS
  • 38654
Web
I have been reaching out to Advanced Resolution Services since XX/XX/2021 requesting a copy of my ARS consumer REPORT. I have yet to receive a report from the company. I have attached another request today with my personal information as well as my signature to request a copy of my ARS consumer REPORT.
04/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30006
Web
this is my 3rd attempt to correct this issue please see attached response from ARS attorney stating he will not delete bankruptcies vs the response he stated on complaint with CFPB # XXXX, where he stated if CFPB request that they delete inaccurate information of bankruptcies he will do so
11/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30291
Web Servicemember
I received a letter dated XXXX, I sent in a request for my Consumer Report. I received an email on XX/XX/2021 to resend in the information. I have submitted my request along with my identification several times and to date I still have not received my report ( See attached )
05/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30135
Web
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
05/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • OH
  • 44039
Web
ARS was sent a letter to remove an item from the report they hold under my social security number and share with the 3 major credit bureaus. It is not permissible under FCRA since there is no information bearing my signature to this account.
04/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78412
Web Servicemember
I have tried to freeze my ARS report for the past 2 months, but have not gotten a response. They replied to my last CFPB complaint and said they have not received my letters, but i have 2 certified mail receipts showing that i sent them.
04/06/2020 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
  • TX
  • 78412
Web Servicemember
I have tried to freeze my ARS account with no success. I have followed all of their online guidelines and sent a letter certified mail requesting a security freeze but have not gotten a response back. It has been 2 months
03/02/2017 No
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • FL
  • 32824
Web
The reason for my complaint is because I have requested for Advanced resolution service to freeze my file on several occasions and they have not frozen or responded to my written request. I need my file frozen ASAP
03/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • WA
  • 98408
Web
Sent ARS ( advanced resolution services ) a request for a security freeze and a consumer credit report, i sent it a letter via certified mail usps # XXXX nearly a month after my request they have yet to comply.
04/26/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60403
Web
after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.
11/23/2021 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
  • 30238
Web
I have been trying to contact These agencies for months and I have not been able to successfully Opt out and freeze my reports with them and its truly frustrating and they do not care.
07/19/2021 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • MD
  • 20718
Web
ARS is verifying an incorrect inaccurate Bankruptcy on my report and is refusing to correct the inaccurate reporting or send me a report under the FCRA i am entitled to fair reporting
08/30/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • KY
  • 41048
Web Servicemember
date XX/XX/2017 log # XXXX file # pending I 've faxed all the proof of identity materials they needed. ARS still will not place a security freeze on my account.
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • GA
  • 30909
Web
On XX/XX/2022, I consumer XXXX XXXX, sent XXXX a request for my consumer report. They have not supplied me with a copy of my consumer report.
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • GA
  • 30909
Web
On XX/XX/2022, I consumer XXXX XXXX sent ARS a request to obtain my consumer report. ARS have not sent me a copy of my consumer report.
02/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11365
Web
This company is reporting fraud inquiries victim of id theft they refuse to investigate and send me my report by mail And delete this
10/17/2019 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
  • NJ
  • 08550
Web
Letter sent XX/XX/19 asking for copy of consumer report was ignored by company.
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • AL
  • 35244
Web
I submitted a request to place a security freeze on my account on XXXX XXXX.
09/28/2020 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
  • IL
  • 61603
Web
ON XX/XX/2020 I FAXED ARS ABOUT 3 PUBLIC RECORDS THAT DONT BELONG TO ME
12/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • AL
  • 36116
Web
I requested to have my credit report frozen to no avail.
06/21/2022 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
  • 33578
Web
06/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • WA
  • 98102
Web
06/15/2022 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
  • 35146
Web
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 90255
Web
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MS
  • 39759
Web
05/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 90255
Web
05/21/2022 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
  • IN
  • 46516
Web
05/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 95624
Web
05/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28054
Web
05/16/2022 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
  • 38930
Web
05/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 32206
Web
05/15/2022 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
  • MS
  • 38654
Web Servicemember
05/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MD
  • 21228
Web
05/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 92008
Web
05/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • GA
  • 31907
Phone
05/06/2022 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
  • 39341
Web
05/05/2022 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
  • 39739
Web
05/04/2022 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
  • 39341
Web
05/03/2022 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
  • 39750
Web
05/02/2022 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
  • GA
  • 31315
Phone Servicemember
04/22/2022 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
  • TN
  • 37207
Web
04/16/2022 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
  • FL
  • 32258
Web Servicemember
03/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • AR
  • 72401
Web Servicemember
03/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • MA
  • 02169
Web
03/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 77306
Web
03/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 77306
Web
03/10/2022 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
  • TX
  • 78681
Web
03/09/2022 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
  • TX
  • 78681
Web
02/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33132
Web
02/03/2022 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
  • SC
  • 29486
Web
01/29/2022 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
  • Their investigation did not fix an error on your report
  • MO
  • 63303
Web
01/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • LA
  • 70360
Web
01/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TX
  • 75146
Web
12/27/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 08052
Web
12/25/2021 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
  • TN
  • 37229
Web
12/13/2021 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
  • IN
  • 46268
Web
11/29/2021 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
  • MO
  • 63303
Web
11/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • IN
  • 46250
Web
11/18/2021 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
  • NH
  • 03045
Web Servicemember
11/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10473
Web
10/27/2021 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 76002
Web
09/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • OH
  • 43230
Web
09/13/2021 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
  • MI
  • 48219
Web
09/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30106
Web
08/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • AL
  • 35173
Web
08/26/2021 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
  • SC
  • 29505
Web
08/19/2021 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
  • IN
  • 46226
Web
08/19/2021 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
  • FL
  • 33578
Web
08/15/2021 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
  • IL
  • 60104
Web
08/14/2021 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
  • LA
  • 70563
Web
08/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • SC
  • 29550
Web
08/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • SC
  • 29532
Web
08/01/2021 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
  • IL
  • 60624
Web
07/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • SC
  • 29506
Web
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • SC
  • 29506
Web
07/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • SC
  • 29501
Web
07/23/2021 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
  • WI
  • 53205
Web
07/13/2021 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
  • CA
  • 92585
Web
07/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 34142
Web
07/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75202
Web
07/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MD
  • 20735
Web
06/30/2021 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
  • TX
  • 78660
Web
06/17/2021 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
  • IN
  • 46038
Web
06/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 31046
Web
06/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NJ
  • 07304
Web
06/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33444
Web
06/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 75204
Web
06/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92833
Web
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92562
Web
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92591
Web
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92596
Web
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92591
Web
05/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MD
  • 20850
Web
05/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 32256
Web
05/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92869
Web
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77096
Web
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 94928
Web
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77423
Web
05/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NY
  • 11207
Web
05/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33980
Web
05/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • UT
  • 84059
Web
05/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • WA
  • 98087
Web
05/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 91302
Web
05/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77489
Web
05/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77068
Web
05/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92782
Web
05/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NY
  • 11423
Web
05/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 93535
Web
05/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92592
Web
05/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MI
  • 48377
Web
05/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NJ
  • 07660
Web
05/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • OH
  • 44146
Web
05/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NY
  • 10453
Web
05/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • WA
  • 98034
Web
05/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • OH
  • 45204
Web
05/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33021
Web
05/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MI
  • 48228
Web
05/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92563
Web
05/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92882
Web
05/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • AZ
  • 85034
Web
05/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • AZ
  • 85138
Web
05/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TN
  • 37128
Web
05/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MA
  • 01810
Web
05/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92833
Web
05/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30518
Web
05/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • OH
  • 44306
Web
04/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • SC
  • 29153
Web
04/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TN
  • 37210
Web
04/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33330
Web
04/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30157
Web
04/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 31419
Web
04/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 32811
Web
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30655
Web
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • FL
  • 33321
Web
04/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77041
Web
04/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NH
  • 03743
Web
04/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60618
Web
04/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21205
Web
04/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 73320
Web
04/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 77096
Web
04/17/2021 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
  • Was not notified of investigation status or results
  • NJ
  • 07040
Web
04/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • FL
  • 33155
Web
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30046
Web
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • LA
  • 71222
Web
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30189
Web
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30058
Web
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30294
Web
04/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • NY
  • 11433
Web
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92240
Web
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • MD
  • 20850
Web
04/15/2021 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
  • Was not notified of investigation status or results
  • NY
  • 11542
Web
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30236
Web
04/15/2021 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
  • Was not notified of investigation status or results
  • NY
  • 10455
Web
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 30349
Web
04/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • CA
  • 92563
Web
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33023
Web
04/08/2021 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
  • Was not notified of investigation status or results
  • NY
  • 11550
Web
03/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • CA
  • 94923
Postal mail
02/28/2021 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
  • Was not notified of investigation status or results
  • NY
  • 11590
Web
02/28/2021 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
  • Was not notified of investigation status or results
  • NJ
  • 07040
Web
02/27/2021 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
  • Was not notified of investigation status or results
  • NY
  • 11003
Web
02/27/2021 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
  • Was not notified of investigation status or results
  • NY
  • 11703
Web
02/26/2021 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
  • Was not notified of investigation status or results
  • NY
  • 11550
Web
02/25/2021 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
  • Was not notified of investigation status or results
  • NY
  • 10465
Web
02/15/2021 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
  • Was not notified of investigation status or results
  • NY
  • 10455
Web
02/15/2021 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
  • NY
  • 11542
Web
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33147
Web
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33025
Web
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33056
Web
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33023
Web
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33161
Web
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33032
Web
02/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33015
Web
01/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • TX
  • 75024
Web Servicemember
11/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33330
Web
11/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33330
Web
10/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27610
Phone
08/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • CA
  • 90302
Phone Older American
08/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32822
Web
08/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OH
  • 44102
Web
08/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 34736
Web
07/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32712
Web
07/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32751
Web
07/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 33543
Web
07/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NC
  • 28202
Web
07/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 34711
Web
07/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NC
  • 27529
Web
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OH
  • 44105
Web
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • OH
  • 44105
Web
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32839
Web
07/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32812
Web
06/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32822
Web
06/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32828
Web
06/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32828
Web
06/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 34116
Web
06/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32818
Web
06/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32828
Web
05/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32541
Web
05/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TX
  • 75019
Web
05/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32827
Web
05/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32835
Web
05/12/2020 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
  • NY
  • 10004
Web
05/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • PA
  • 19468
Web
05/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76039
Referral
05/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NC
  • 28216
Web
05/01/2020 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
  • 33322
Web
04/30/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NC
  • 28216
Web
04/29/2020 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
  • NY
  • 10004
Web
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 34711
Web
04/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32808
Web
03/24/2020 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
  • 33068
Web
03/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11208
Web
03/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32801
Web
03/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32828
Web
02/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • VA
  • 22312
Web
02/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • SC
  • 29574
Web
02/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32807
Web
02/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32807
Web
01/31/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NC
  • 28904
Web
01/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • MI
  • 48033
Web
01/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • TN
  • 37043
Web Servicemember
01/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
Phone
01/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NC
  • 28904
Web
12/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 34758
Web
12/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32822
Web
12/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • MA
  • 02148
Web
12/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NC
  • 28303
Web
12/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 32819
Web
12/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • IL
  • 60634
Web
12/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • FL
  • 34787
Web
11/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NJ
  • 07712
Web
11/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • WI
  • 53092
Web
11/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • MI
  • 48111
Web
11/20/2019 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
  • TX
  • 78041
Web Servicemember
11/14/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 90007
Web
11/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • MD
  • 20743
Web
11/13/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • AL
  • 36804
Web
11/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 90066
Web
09/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33330
Web
09/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 33330
Web
08/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30349
Web
08/02/2019 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
  • NV
  • 89027
Web
07/08/2019 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
  • IL
  • 62205
Web
04/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30127
Web
04/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30328
Web
04/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92130
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30307
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30122
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30122
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30122
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30132
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30106
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30339
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30080
Web
04/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30080
Web
04/08/2019 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
  • 30066
Web
03/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11365
Web
02/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • AZ
  • 85138
Web
01/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • FL
  • 34109
Web
01/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IA
  • 52403
Web
01/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60621
Web
01/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60609
Web
01/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60621
Web
12/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60637
Web
12/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 61832
Web
12/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • SC
  • 29115
Web
12/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60478
Web
12/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • WI
  • 53403
Web
12/25/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60443
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60621
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IN
  • 46803
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60636
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60653
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60643
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60629
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60629
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60637
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60620
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60616
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60419
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60619
Web
12/24/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • IL
  • 60620
Web
12/11/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MS
  • 39056
Web
11/22/2018 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
  • Problem with personal statement of dispute
  • PA
  • 17948
Web
10/05/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48174
Web
09/16/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • NY
  • 10462
Web
07/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NY
  • 11365
Web
05/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78745
Web
04/06/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • CA
  • 91401
Web
03/28/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • AL
  • 36108
Web Servicemember
02/28/2018 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
  • 30006
Web
02/28/2018 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
  • 30006
Web
01/23/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30006
Web
10/02/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • NC
  • 28208
Web
12/20/2016 No
  • Other financial service
  • Credit repair
  • Customer service/Customer relations
  • TN
  • 37013
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