Advanced Resolution Services Inc. CFPB Complaints

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 XXXXX	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.
10/06/2022	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 39532	Web
VIOLATIONS & AMOUNT PER VIOLATION ADVANCED RESOLUTION SERVICES, INC have been reporting this bankruptcy on my credit report from XX/XX/XXXX to the current date as of this complaint XX/XX/XXXX which is 3 years and 4 months ( 40 months x $ XXXX each month = {$40000.00} ). 15 USC 1684n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Being that ADVANCED RESOLUTION SERVICES, INC is a corporation ( See Exhibit D ), they obtained my consumer report under false pretenses or knowingly without a permissible purpose. ( {$1000.00} ) 15 USC 1684n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. After contacting ADVANCED RESOLUTION SERVICES, INC and informing this company that they are reporting an unverifiable bankruptcy ( public record ) on my credit report and after sending them the 2nd notice ( Exhibit B ) with a copy of the Courthouse letter stating that the courthouse does not report to any consumer reporting agencies, ADVANCED RESOLUTION SERVICES, INC willfully and negligently kept reporting this bankruptcy on my credit report. The continuance of reporting this bankruptcy on my credit report is a direct violation of the following federal law. 15 USC 1681o- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I did not give written permission to ADVANCED RESOLUTION SERVICES, INC to report this bankruptcy ( public record ) on my credit report. Therefore, ADVANCED RESOLUTION SERVICES, INC did not have a permissible purpose to report this bankruptcy on my credit report. ( {$1000.00} violation/month = 40 months ) 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. By reporting this bankruptcy on my credit report, ADVANCED RESOLUTION SERVICES , INC has violated my privacy rights. The reporting of this bankruptcy has caused defamation of my character, my mode of living because I have been very stressed out from the numerous denials needed to take care of my family, and my ability to obtain credit for my everyday household needs and causing me to having to settle with credit that subjects me to high interest rates and resort to payday loans and cash advances which subjected me to predatory lending. ( {$1000.00} violation ) 15 USC 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ADVANCED RESOLUTION SERVICES , INC failed to report verifiable and accurate information on my credit report for each of the accounts dealing with the bankruptcy and the liens being reported. ( 6 accounts total ) ( {$1000.00} per violation for each month of reporting inaccurate and unverifiable information = {$40000.00} ) 15 USC 1681e - Accuracy of Report - ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Thus resulting in knowingly transferring, possessing, and using without lawful authority a means of identification of me, ADVANCED RESOLUTION SERVICES, INC committing identity theft. There is no public record and ADVANCED RESOLUTION SERVICES, INC can not furnish this information because I did not give them permission to report the bankruptcy/public record to my credit report. 18 USC 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I have attached a copy of my state issued drivers license for verification of identity.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30228	Web
This formal dispute letter serves Advance Resolution Services Inc ( ARS ) in connection with violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair practices. I. WHAT YOUR COMPANY NEED TO KNOW 1. Please be aware that I disputed the information ( U.S. Bankruptcy Court item ( s ) contained in my credit/consumer file. See. Above Referenced Account ( s ) ; 2. I carefully investigated this incident, the U.S. Bankruptcy Court never provided any information to your company, nor do they ever validate and/or confirm public records ; 3. The public records information is never validated by the Recorder of Deeds nor the U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law ; 4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. They 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 ; 5. Your company reported unverified derogatory information to my consumer/credit report ; 6. Your company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. Obtaining bankruptcy information from XXXX a third party data furnisher is not proper validation. The law is clear : " If the CRA can not validate the information with the original information furnisher, which in this case would be the U.S Bankruptcy Court the CRA must remove said information from the consumer file '' ; 7. According to the FCRA, I have the right to an accurate consumer/credit report. 8. According to the FCRA, your company is violating several of my consumer rights. See List Below. 15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681e Compliance Procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( e ) Procurement of Consumer Report for Resale ( 1 ) Disclosure. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 604 [ 1681b ] for which the report is furnished to the end-user of the report ( or information ). 15 U.S.C 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. II. DEMAND You are placed on notice that you have multiple violations of the FCRA and in a reasonable effort to resolve this matter amicably, I demand the following : 1. Considering the information indicating a FCRA violation, I need ALL bankruptcy information currently showing under my Social Security Number ( SSN ) to be permanently deleted from my consumer/credit report immediately. See. Above Referenced Account ( s ) ; 2. I demand the immediate and permanent deletion of all/any derogatory information and marks from my consumer/credit report ; 3. I request you to provide me with a copy of my new consumer/credit report reflecting information removed upon completion. Be advised, your actions give rise to a viable claim for federal action for violations of the FCRA. As such, I advise that you comply with my demands and avoid litigation against your company. Failure to comply with the aforementioned demand within thirty ( 30 ) days from the date of this letter will result in a lawsuit being filed against you. I have consulted with the attorney regarding my available options and avenues of redress, and he is prepared to take swift action in this matter. Please note that this letter constitutes a notice of intent to sue and any and all documents, including electronically stored communications, relating to me and any potential claims I may have, should be preserved to every extent possible.
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
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93101	Web
Advanced Resolution Services sent me a copy of my consumer disclosure report. They listed XXXX # XXXX and File XXXX : XXXX on the form. Advanced Resolution Services is a subsidiary of XXXX. Theyre assisting XXXX XXXX XXXX XXXX XXXX This is a conflict of interest to the public. The tenth amendment of the U.S. Constitution-disclosure of personal information in record keeping systems is at issue. They are not following the ruling in the U.S. Court of Appeals for the Ninth Circuit Nayab v. Capital One Bank. Advanced Resolution Services is making a priori assumption in their own consumer report. They have a statement on page one that reads : They identify institutions that received information from the Issuers XXXX XXXX XXXX regarding my social security number based on the number of credit cards Ive applied for and also based on the number of credit card applications associated w/ my social security number. They say that is why the XXXX alert is issued. It's not correct for ARS to assume a person is risky or issue an alert based on the number of credit cards Ive applied for and also based on the number of credit card applications associated w/ my social security number. It's a violation of the FCRA and the CCPA to collect data and send it to XXXX simply because a person fills out credit card applications or has several credit cards that have been applied for. They should only issue the alert if the person has bankruptcies, previously fraudulently proven behavior or negative records. Advanced Resolution Services is violation these sections below. U.S. Code 6802 - Obligations with respect to disclosures of personal information. A financial institution may not disclose non public personal information to a non affiliated 3rd party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I never gave ARS the written instructions or permission. It is not a permissible purpose for them to share my information. ARS and XXXX are basically the same company. 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. These all listed below are violations of 15 U.S.C. 1681a. & 603 Definitions ; rules of construction are being violated. ARS is also in violation of 623 Responsibilities of furnishers of information to consumer reporting agencies. 15 USC 1681s-2. I dispute and demand ARS delete the following : Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. The date is inaccurate XXXX. I demand ARS delete this item due to inaccurate reporting and violating the FCRA. Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The date is inaccurate XXXX. I demand ARS delete this item due to inaccurate reporting and violating the FCRA. Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The date is inaccurate : XXXX and ARS have my date of birth listed inaccurrate as XXXX. I demand you delete this due to inaccurate reporting which is a violation of the FCRA. Reference # from my consumer report:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. The date is inaccurate : XXXX. I demand ARS delete this due to inaccurate reporting which is a violation of the FCRA. Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The date is inaccurate : XXXX. I demand ARS delete this due to inaccurate reporting which is a violation of the FCRA. Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The date is inaccurate : XXXX and ARS has my date of birth listed inaccurrately as XXXX. I demand you delete this due to inaccurate reporting which is a violation of the FCRA. Reference # from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The date is inaccurate : XXXX. I demand you delete this due to inaccurate reporting which is a violation of the FCRA. Reference # from my consumer reportXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate. I demand you delete this due to inaccurate reporting which is a violation of the FCRA.
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 ).
11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	LA 701XX	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX : XX/XX/1959 Subject : Bankruptcy Account ( s ) Dispute Letter FCRA Violation Reference : Reference # XXXX, Reference # XXXX Notice to Agent is Notice in Principle- Notice to Principle is Notice to Agent. To Whom it May Concern : This Formal dispute letter serves you company in connection with violations of the Fair Credit Reporting Act 15 U.S.C. 1681. Seq ( hereafter FCRA which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair Practice. I. What your Company need to know 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) contained in my credit/consumer files. See Above Reference Account ( s ) : 2. I carefully investigated this incident the u S Bankruptcy court never provided any information to your company, nor do they validate and/or confirm public records. XXXX. The public records information is never validated by the Recorder of Deeds nor the U. S. Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law. 4. The U.S. Bankruptcy Court confirmed that your company has never validated or verified this public record entry on my consumer credit report neither will they ever be by them. They further sated while they are not liable or responsible for any misuse of incorrect public records nor the distribution of said information. public records may and oftentimes are reported by third parties sources unaware to the consumer, and in most cases incorrectly. 5. Your Company reported unverified derogatory information to my consumer/credit report. 6. Your Company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. If the CRA can not validate the information with the information furnisher. CRA must remove said information from the consumer file. 7. According to the FCRA. I have the right to an accurate consumer/credit report. II. Demand : You are placed on notice that you have multiple violations of the FCRA and in a reasonable effort to resolve this matter amicably. I demand the following. 1. Considering the information indicating a FCRA Violation, ( I need ALL bankruptcy information currently showing under my Social Security Number ( SSN ) to be permanently deleted from my consumer/credit report immediately. See Above Reference Account ( s ) : 2. I demand the immediate and permanent deletion of all/any derogatory information and marks from my consumer/credit report. XXXX. I request you to provide me with a copy of my new consumer/credit report reflecting information removed upon completion. Be Advised, your actions give rise to a viable claim for federal action for violations of the FCRA. As such I advise that you comply with my demands and avoid ligation against your company. Failure to comply with the aforementioned demand within thirty ( 30 ) days from the date of this letter will result in a lawsuit being filed against you. I have consulted with the attorney regarding my available options and avenues of redness, and he is prepared to take swift action in the matter. Please note that this letter constitutes a notice of intent to sue and any and all documents including electronically stored communications relating to me and any potential claims I may have should be preserved to every extent possible. I know that your company will send some sort of verification to prove my identity. My information is clearly shown above below. Govern yourself accordingly. Respectfully, XXXX XXXX XXXX
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
Advanced Resolutions Services state that have verified a bankruptcy that is showing on my report. ARS is reporting a bankruptcy from a third party vender that has not verified the said account. ARS is in violation of multiple FCRA consumer laws. ARS states that they sent over a request to XXXX who states that a bankruptcy was verified through public records ( XXXX ) This obtained information from a website and has not VERIFIED it's accuracy with any US Bankruptcy Court . This is also a violation. I have contacted the US Bankruptcy court and they have no record of ARS or XXXX contacting them to verify any records. XXXX uses and automated system to search for and report court information to ARS and other credit bureaus without any verification. XXXX also states that they are " not a credit reporting agency and do not report to credit bureaus or third party vendors. ARS states that during their investigation they received information from XXXX. Using automated dispute codes through XXXX XXXX or any other automated system does not meet the requirement 's set fourth by the FCRA for verification and accuracy. ARS has not sent me the details of the investigation, method used, documents from any court verifying any information. Also PER the XXXX website, it does not guarantee that any information obtained from its website is either true or accurate. The Courts clearly state that they do not verify any bankruptcies or report to credit bureaus or third party vendors. How was this verified through the US Bankruptcy court for reporting? Who was the original data furnisher 's and were they contacted? to verify what is being reported up to date and verified. ARS is reporting a unauthorized public record that was not verified. ARS states that a electronic was disclosure to release or obtain such information. This does not meet XXXX XXXX compliance as I have not signed such documentation or received documents stating such. The following FCRA consumer laws have been violated ; US Code 15-168111 ( 5 ), US Code 623 ( a ) ( 7 ) 15usc1681s-2, US Code privacy act of 1974 amended, 5 USC 552a no written permission, US Code 42.56.070 ( 8 ), US Code 31 USC 3711 ( e ), US Code 15- 1681 ( d ) FCR-605B 15 1681c-2, FCRA 611 ( a ), RCW 42.56.080 and Trade secrets infringement. ARS has been requested to provide factual evidence and data on the investigation they claim to have done. Obtaining public personal information without verifying it and voluntary reporting is illegal. There has been no permissible use to obtain and report such information. ARS was asked what method of their investigation was used. They stated that personal identifier 's were sent over to verify. If this is true, who received this information? what was their name, date, and title,? contact information on who conducted the investigation, how was their investigation done and the results that were sent to ARS. What personal information was sent or received to retrieve personal information from a public website. How was my information protected? was there any automated dispute codes used, sent or received to or from ARS and XXXX. Who from the US Bankruptcy Court clerk or trustee was contacted? What is their name? contact information? documents sent or received from them. Was ALL the information obtained verified and accurate? did the ORINGINAL data furnisher accept being liable for inaccuracies and can confirm that XXXX or XXXX has verified any and all data being reported with them and that any accounts that may be listed are accurate?
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 325XX	Web
My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. ALSO, My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48309	Web
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$880.00} XXXX XXXX Collection {$100000.00} XXXX XXXX Charge-off {$4800.00} XXXX XXXX Charge-off {$240.00} XXXX XXXX XXXX Charge-off {$1.00} XXXX XXXX XXXX \| XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX \| XX/XX/XXXX XXXX Inquiry {$0.00} XXXX \| XX/XX/XXXX XXXX Inquiry {$0.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
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.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43613	Web
I have requested my credit report to obtain additional information of items reporting on my credit that was unauthorized. I have requested a security freeze to keep from unidentified information from being furnished on my report. 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ). 15 U.S. Code 6802- Obligations with respect to disclosures of personal information, ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I was not notified of any of this information being reported on my consumer report. I did not give any written consent to have any information being illegally obtained from any third party vendor. A Financial Institution MAY NOT, directly or indirectly, disclose to a NON-AFFILIATED THIRD PARTY any NONPUBLIC PERSONAL INFORMATION unless such Financial Institution gives the following disclosures. I was not given the opportunity to decline the option of any information to not be obtained or reported on my consumer report ; those rights were violated. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028A- Aggravated Identity Theft a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( 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.
10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48329	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' PLEASE SEE ATTACHED LETTER TO Advanced Risk Solutions. A BANKRUPTCY IS NON PUPLIC AND NO REQUIREMENT TO BE REPORTED! Advanced Risk Solutions is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Advanced Risk Solutions ) is a financial and information institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Advanced Risk Solutions is a Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agency Advanced Risk Solutions does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Advanced Risk Solutions to report or furnish information whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Advanced Risk Solutions Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Advanced Risk Solutions is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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
06/25/2022	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	CA 90027	Web
On XX/XX/21 - I sent a letter requesting validation of a Bankruptcy Account that XXXX had listed on my XXXX. On XXXX I received notice that XXXX validated my debt through a third party consumer reporting agency XXXX who provided them with a copy of a XXXX report pulled from the internet. On XX/XX/21 - XXXX sent a letter to XXXX that the XXXX report provided by XXXX did not constitute proper debt validation for this account for the following reasons. XXXXXXXX XXXX is an online database. Accounts posted by XXXX have not been verified for accuracy nor does XXXX validate any accounts it publishes for Credit or Consumer Reporting Agencies or Bureaus. XXXX. XXXX is not a party associated with this debt and has no authority to validate it. The only legal validation of the debt would have to be provided by The United States Bankruptcy Court - Central District of California ( the original furnisher of this account ). Email correspondence from XXXX regarding the matter as well as a published statement from the XXXX courts. I disputed their investigation findings requesting proof of validation from the original furnisher of the account. On XX/XX/21 - I received correspondence back from XXXX that they were re-investigating my dispute and included a copy of my report reflecting the Bankruptcy still in their records. On XX/XX/21 - I received a final notice from XXXX that they were not going to investigate the matter further and considered it closed. XXXX failed to provide proper debt validation from the original furnisher of this Bankruptcy account. Knowing this and continuing to keep it on my report is a direct and willful violation of my FCRA rightsXXXX XXXX has violated my privacy ( 15 U.S. Code 1681 ( a ) ( 4 ) ) by collecting, assembling and furnishing for a fee to third parties information about my character, reputation, and mode of living which is inaccurate and a violation of my right to privacy pursuant to federal law. XXXX has infringed upon my consumer protection rights and has violated 15 U.S.C. 1681b ( a ) ( 2 ) by not getting written instructions from the consumer Plaintiff to collect, assemble and furnish for a fee to third parties information, which is inaccurate, about my character, reputation, and mode of living. XXXX shout be held civil liable for willful noncompliance and knowingly violating 15 U.S.C. 1681n. XXXX should be held civil liable for negligent noncompliance and knowingly violating 15 U.S.C. 1681o. XXXX should be held criminally liable for willful and knowing violations of 15 U.S.C. 1611 ( l ). If this account is not removed from my XXXX Consumer report I will file a lawsuit against t for the above violations to start with and a handful of others requesting that the disputed information from my credit file be deleted as well as compensatory, compensatory treble and punitive damages as well court costs and fees.
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
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
Hello CFPB, Attention Advanced Resolution Services ( ARS ) representative, XXXX XXXX, Consumer Office XXXX Please reference the previous CFPB complaint number : XXXX Please instruct the company to open the attached PDF. It includes all identifying documents needed to correct the problem I'm experiencing. === OPEN THE PDF NOW PLEASE === The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! I'm hoping you can help me with fixing the address that is showing on all of my credit reports. My current and correct address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX I have lived at this address for over XXXX Years, so I don't understand why the information is displaying incorrectly on my credit report. I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. I am quite concerned to get this fixed ASAP. I have sent multiple letters to the Credit Bureaus requesting they correct my address. To date, they have NOT corrected the problem. I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... ... Immediately remove ALL addresses that do not EXACTLY MATCH this one. I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! My current and correct address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX Live XXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. Please also remove ANY and ALL Phone Numbers listed on my credit report. Please correct these issues Immediately. XXXX XXXX
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.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90063	Web
How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
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
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! I'm hoping you can help me with fixing the address that is showing on all of my credit reports. My current and correct address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. I am quite concerned to get this fixed ASAP. I have sent multiple letters to the Credit Bureaus requesting they correct my address. To date, they have NOT corrected the problem. I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... ... Immediately remove ALL addresses that do not EXACTLY MATCH this one. I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! My current and correct address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements XXXX XXXX Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. Please also remove ANY and ALL Phone Numbers listed on my credit report. Please correct these issues Immediately. XXXX XXXX
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 333XX	Web
Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31069	Web
XX/XX/XXXX I requested a consumer report from XXXX. I received my report from them XX/XX/XXXX. After reflecting over the report I noticed there was some incorrect information that they had on file. I have enclosed the dispute form they sent me and asked them to correct or remove the inaccurate information. XX/XX/XXXX. I sent this certified through XXXX. With the dispute form I also included a letter head from XXXX dated XX/XX/XXXX stating they did not have any record of me applying for credit. This application is being reported 3 times with XXXX. I have enclosed copies of the consumer report to reflect what they have on file. XX/XX/XXXX I received an updated consumer report from XXXX showing where they corrected the name on my report and removed XXXX of the CC applications from XXXX XXXX, but did not remove the other XXXX applications, claiming they were verified and would remain on file, although, I sent a letter head in from XXXX stating they had no record of such application. They are also falsely reporting a bankruptcy on my consumer report, claiming that XXXX XXXX XXXX has furnished this information. XX/XX/XXXX XXXX XXXX sent correspondence stating that they have deleted the bankruptcy from their file. I have enclosed this document. XX/XX/XXXX XXXX sent correspondence stating that they deleted the address associated with this bankruptcy as well as the name associated with this bankruptcy. I have enclosed this document. XX/XX/XXXX I wrote to The XXXX BANKRUPTCY COURT requesting their procedures on reporting bankruptcy information. XX/XX/XXXX The XXXX Bankruptcy court wrote back letting me know they do not report this information. I have enclosed this document. XX/XX/XXXX I wrote correspondence to XXXX requesting their reports on me and they clearly state that if the bankruptcy was before XX/XX/XXXX they did not report this information to XXXX that it went through XXXX. I have enclosed this document. XX/XX/XXXX I am now disputing this information again with the XXXX dispute form they provided and copies of the consumer report along with the letter heads and documents to support my position.
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61704	Web
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. As per XXXX XXXX I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29169	Web
Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Student Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party. 16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
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 XXXXX	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.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95008	Web
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. XXXX XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX vs XXXX XXXX XXXX inaccurate reporting due to intentional defamation/ no consent reporting.
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
09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32216	Web	Older American
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 952XX	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.
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CO 809XX	Web	Older American
On XX/XX/XXXX I received a letter from Advanced Resolution Services , Inc. ( ARS ), XXXX XXXX XXXX, XXXX, AZ XXXX. They informed that between XX/XX/XXXX and XX/XX/XXXX, the following information was added to my ARS consumer report : At least XXXX occurrence ( XXXX ) of unauthorized card use If I would like a copy of the ARS consumer report I must send a written request that included a copy of the letter and : Full Name Social Security Number Proof of Identity ( my case a copy of my Driver License ) Address Phone Number They attached a form for all this information to be added. I called on XX/XX/XXXX and was told they have to have all this information with my signature in order to give me a copy of this report. Who in their right mind would provide all of this information to any company asking for this and to be sent via mail? I have not had ANY occurrences of unauthorized card use nor have I reported such. I understand this is a legit company but their website is very vague and to ask for such sensitive information to be sent via mail in order to obtain the information that they are accusing me of is not right and to publish this incorrect information on my credit report is WRONG with the only option of not having it published on my XXXX is to provide this info. Since they sent me a letter letting me know they are going to have this placed on my XXXX report, don't they already have my XXXX number?? This is information that should be readily available to me with all of the identity theft going on. Very scammy
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11204	Web
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60443	Web
ADVANCED RESOLUTION SERVICES , INC., a financial institution and credit reporting agency operating in commerce for profit by assuming the role of furnishing and reporting consumer data, has obtained possession of my personal identifying information from the data furnisher ( XXXX XXXX, XXXX ), and is now complicit in the willful act of engaging in UNAUTHORIZED USE of my personal identifying information by reporting and sharing the unauthorized information to various financial institutions absent my expressed written permission, consent, instruction, or authority. This unauthorized use of my personal identifying information constitutes " Identity Theft '' as defined by 12 CFR 1022.3 ( h ) and 17 CFR 248.201 ( b ) ( 9 ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). ADVANCED RESOLUTION SERVICES , INC, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized information no later than 4 business days after receipt and delivery of the notice. I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XX/XX/2016 XXXX
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IN 46324	Web
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because it is unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11213	Web
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX are in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX XXXX XXXX XXXX XXXX XXXX and XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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 015XX	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
04/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19104	Web	Servicemember
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. Sincerely, XXXX XXXX
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	PA 19082	Web
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
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.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92104	Web
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account XXXX : XXXX Account XXXX : # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 312XX	Web
On XX/XX/2023 I sent a letter to ARS ( Advanced Resolution Services Inc. ) requesting them to provide proof of me giving them WRITTEN PERMISSION to obtain and furnish my personal information to any XXXX XXXX XXXX. Advanced Resolution Services concluded its investigation by stating BANKRUPTCY XXXX ( XXXX ) was properly associated with me and cited this information came from XXXX BANKRUPTCY COURT MIDDLE GEORGIA but no proof of my WRITTEN PERMISSION. This puts Advanced Resolution Services in violation of 15 USC 1681 ( b ) ( 2 ) because this company is obtaining and furnishing my personal information without my WRITTEN PERMISSION. I also have a letter from The XXXX BANKRUPTCY XXXX XXXX GEORGIA stating they do not report any personal information to any Credit Reporting Agency but the XXXX XXXX XXXX are allowed to use a public internet source known as PACER to collect my personal information, thus proving Advanced Resolutions Services is getting information from a public source and not me. For Advanced Resolution Services to knowingly TRANSFER, POSSESS, and USE my personal information is a violation of 18 USC 1028a ( Aggravated Identity Theft ), which is a punishable offense. I intend on holding Advanced Resolution Services liable for any undue financial hardships I suffer at the hands of their negligence of the law.
02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IA 523XX	Web
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above. Attached to this complaint are supporting documents to validate the accuracy of my personal information.
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.
09/17/2022	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	TX 75056	Web
XX/XX/2022, I sent a letter to the courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. If that is the case, how did the credit bureaus identity my bankruptcy as 100 % accurate? Your company never did a fair investigation according to the 15 U.S.C 1681. Where are you getting my private information when the courthouse stating they do NOT report bankruptcy? According to : 15 U.S.C 1681 section 602 ( A ) States I have the right to privacy. 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer-reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93101	Web
Advanced Resolution Services sent me a letter Log # XXXX File # XXXX. They said the opt out will be in affect for 5 years or until I notify otherwise. Then they say if I would like to turn the temporary into a permanent that I should send in a written request. I already sent them in a written request via their website. I used a digital signature and included my driver 's license, electric bill and picture of my social security card. It is a burden for them to send me this correspondence and ask me to do something I have already done. They need to put a permanent opt out on my file. I have requested that they complete a file disclosure and send me everything in my file. As a violation they have not done this in the 30 day request period. I told them I filed an identitytheft.gov report. They also know that the consumer is entitled to one file disclosure every 12 months yet they refuse to send the file disclosure to me. I would like to see if there are items I need to dispute. I never gave them consent to send my information to employers. I have a right to receive the contents of my file. I also have a right to ask them to delete everything in my file. I don't give ARS my consent to collect or share my data with anyone.
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.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28590	Web
Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition. I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. XXXX \| XXXX - {$360000.00} XXXX \| XXXX - {$0.00} XXXX \| XXXX - {$0.00} XXXX \| XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX XXXX XXXX \| XX/XX/XXXX XXXX \| XX/XX/XXXX XXXX \| XX/XX/XXXX ( ALL BUREAUS ) XXXX \| XX/XX/XXXX ( ALL BUREAUS ) XXXX \| XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX \| XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( XXXX AND XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX \| XX/XX/XXXX
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web	Servicemember
To whom it may concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting agencies : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. This is an attempt to correct your records, any information obtained shall be used for that purpose. Sincerely, XXXX XXXX
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77090	Web
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77081	Web
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08401	Web
I am writing to file a formal complaint against Advanced Resolution Services ( ARS ) regarding their handling of a dispute concerning a public record on my credit report, specifically identified as record number # XXXX. I previously initiated a dispute with ARS regarding the public record appearing on my credit report. ARS claims to have conducted an investigation by contacting the XXXX XXXX XXXX on XX/XX/2023, and receiving a response on XX/XX/2023. They asserted that the bankruptcy record is properly associated with me based on a truncated Social Security number, as indicated in the attached XXXX XXXX filed in the United States Bankruptcy Court District of XXXX XXXX However, I strongly disagree with ARS 's conclusion. Their purported investigation, based primarily on a truncated Social Security number does not constitute a thorough or reasonable effort to verify my identity or the accuracy of the information. The use of such limited information, especially a truncated Social Security number, is insufficient and does not accurately link me to the reported bankruptcy record.
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 604XX	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.
12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 291XX	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PR XXXXX	Web
This agency XXXX is not reporting accurate information. According to [ XXXX XXXX XXXX ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. They are in violation of the FCRA, [ XXXX XXXX XXXX ] ( a ) ( XXXX ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ XXXX XXXX XXXX ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33313	Web
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.
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 139XX	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
10/24/2022	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 28326	Web
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX acc # XXXX, XXXX acc # XXXX, XXXX XXXX XXXX acc # /ref # XXXX Has violated my rights. 15 U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXXX	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 600XX	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.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74464	Web
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681. According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. Account : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
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 015XX	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.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 622XX	Web
In accordance to the Fair Credit Report Act XXXX/ XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; US Dept of Education ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
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.
12/18/2022	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	NV 89166	Web	Servicemember
I received a copy of my credit report with intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am asking CFPB to investigate this matter further. I am not XXXX percent sure the XXXX credit reporting agencies is doing me a disservice in investigating the wrong doing of a third party reporting agency XXXX and XXXX ( Advanced Resolution Services, INC. As a consumer I have contacted the matter at hand. The United States Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX and asked them a question, Do you report the case in court to the credit bureau? The clerks response, The Bankruptcy Court does not report information to any credit bureau. Almost like hippo for medical records. I send a certified letter to every credit bureau to remove the illegal reporting fragments. They all stated verified and corrected.
05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 310XX	Web
On XX/XX/2023, I sent in a letter to requesting Advance Resolution Services ( ARS ) to verify a Bankruptcy they are reporting on my credit report. On XX/XX/2023, I was notified of the results into this investigation. The investigation concluded by stating the bankruptcy was properly associated with me and cited its information came from The United States Bankruptcy Court Middle District of Georgia. The same United States Bankruptcy Court Middle District of Georgia also verified they don't furnish any information to any credit bureaus. For Advanced Resolution Services ( ARS ), a credit reporting agency, to verify information contradicting signed documentation from the United States Bankruptcy Court Middle District of Georgia for it's own financial agenda is a complete violation of my rights. I intend on holding ARS liable for any undue hardships received on my behalf.
05/28/2022	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 39759	Web
My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately. Both together and separately my consumer rights and privacy rights have been violated by XXXX, XXXX, XXXX and XXXX. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) I have the right to privacy. I am also aware that I have the right to privacy of non- public personal information in accordance with 15 U.S.C 6801 and the right to know where and how to direct the disclosure of my non- public information and I am exercising that right demanding the each CRA remove the information listed in attachment as required.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 30019	Web
Ars, Advanced Resolution Services, Will not place a security freeze on my consumer file, I have supplied them with all the correct information multiple times. I have tried contacting them via telephone, email and via certified mail. All attempts have failed. They say they can not place a security freeze over the telephone only or email only via their website. I have tried to place it via their website. I have uploaded all proofs of identity with the correct address. I received a letter in the mail on XX/XX/XXXX, mail saying that they can not place a security freeze because my request has to be mailed in. I have mailed two proofs of identity along with the security freeze request form from their website and a hand signed letter with my signature, and the address on the website says that it is undeliverable. My preferred method of contact is email is XXXX.
09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60623	Web
IRS tax code identifies charge offs as gross income, triggering a 1099-C, and subsequently required to be reported on personal tax filing as such. I received a 1099-C for the below-mentioned debt. Therefore, I am disputing the accuracy of the following items on my credit report, as per the FCRA, these reports violate my consent and privacy rights, as I did not authorize my income to be reported in this manner. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inaccuracies and promptly REMOVE these items from my credit report as they violate my rights under the FCRA. Thank you for your attention to this matter.
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 381XX	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.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 707XX	Web
I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07002	Web
I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
09/05/2022	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	CA 90034	Web
I requested that ARS, Advanced Resolution Services , Inc. put a security freeze on all of my information. I had problems getting them to cooperate. Finally, on XX/XX/2022, via a series of emails, they acquiesced and put a freeze on my information. Then I received a letter stating they were refusing until I provided them, once again, with proof of my identification ; they included : name, address, phone number, social security number, and copies of my state ID and SS card. They quote CA law that I believe is moot due the FCRA. I do not think I should have to provide this sensitive information. Furthermore, I have copies of the email series, their letter, and other documents that I can provide. Sincerely, XXXX XXXX ( XXXX ) XXXX
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 631XX	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.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	UT 84047	Web	Servicemember
As of last year 2022 I've have requested to have a security freeze to be placed on my personnel credit report countless of times and I'm always met letter asking for ID verification and proof address etc. I have submitted these documents twice already and still nothing has been done due to the fact I didn't receive no pin number of letter stating it's been placed a security freeze placement. I have sent these documents already since I'm always asked for these items constantly as stall tactic. These tactics are refusal to comply with my rights as a consumer of Identity theft. I want a security freeze placed on my credit profile and don't not consent to have my information shared.
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 XXXXX	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.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11204	Web
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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.
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 397XX	Web
My name is XXXX XXXX I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. It is your duties to accurately report information in as of now you are not doing that and its impairing efficiency of the banking system.Both together and separately my consumer and privacy rights are being violated in accordance with 15 U.S.C.1681 ( a ) ( 4 ) and pursuant U.S.P.C. ( B ) ( C ).
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 741XX	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
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MT 59101	Web	Servicemember
I have contacted ARS multiple times about this issue. On my ARS consumer credit report ARS has information reported incorrectly. ARS log XXXX Page 3 of 60 item 9, ARS reports a bankruptcy with a date of XX/XX/90. Bankruptcy are to remain on record for 10 years this is OVER 30 YEARS I will attach copies of these pages. Also I have sent to ARS a letter in which XXXX, XXXX, and XXXX XXXX have tried to verify information about a XXXX XXXXXXXX and was unable to do so. I have contacted ARS and they have refused to remove the bankruptcy from my ARS credit report.
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
07/18/2022	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 92404	Web
On or about XX/XX/21 I submitted a request for Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. In accordance with the Credit Reporting Act my rights were violated. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
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.
09/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95833	Web
My complaint centers on Advanced Resolution Services , Inc. reported inaccurate and private information, which has adversely affected my consumer report. Your actions have caused profound personal and emotional harm to both my family and me, resulting in a distressing situation that has left us severely affected. They are in violation of the FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C. 1681b ( a ) ( 2 ) et seq.. knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so.
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.
11/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77007	Web
I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life
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.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20745	Web
In accordance with the Fair Credit Reporting act Account # XXXX with XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. In accordance with the Fair Credit Reporting act Account XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18951	Web	Servicemember
This company is reporting information this is fraudulent from XXXX XXXX XXXX and XXXX XXXX XXXX asking for a debt that is in litigation for reporting a debt for a account that isn't mine and for reporting information that was not verified before obtain in my personal identity after place a extended fraud alert on my credit report for 7 years and XXXX XXXX alert when I was XXXX. Please hold this company responsible for placing information that is not being verified before place on American credit report. Thanks
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 392XX	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 XXXXX	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
06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23434	Web
I have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with ARS. Consequently, it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.
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 XXXXX	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.
08/21/2022	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	PA 19141	Web
I Attempted to access my CONSUMER but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification.
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.
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95670	Web
XXXX XXXX, XXXX, ( ARS ) Advance Resolution Service, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.
01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30078	Web
Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations then i need to be sent and updated copy of the changes.
05/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MS 397XX	Web
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
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 XXXXX	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 139XX	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.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 74012	Web
XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions
12/31/2022	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 33813	Web
XXXX is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	GA 303XX	Web
Contacted ADVANCE RESOLUTION SERVICES requested a full file disclosure, extended fraud alert, consumer statement, security freeze. Company has refused all of my request log # XXXX File # XXXX. Last contact XX/XX/2022 and XX/XX/2022. Put company on notice that I am a victim of Identity Theft.
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 XXXXX	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
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38128	Web
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX Physician # XXXX, TN XXXX XXXX # XXXX, TN XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 317XX	Web
I am the author of this complaint as well as the attached letter for this complaint I recently checked my credit report and I noticed numerous violations I reached out to the credit reporting agency reporting the information but they did not respond nor did they fix the issues
11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ 85041	Web
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I sent a dispute letter to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report.
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 )
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CO 80020	Web
Advanced Resolution Services is not allowing me my right to have my credit information frozen and insists on trying to force me to jump through hoops to get my report frozen. I have been attempting to get them to freeze my report since the 4th quarter of last year.
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.
08/02/2023	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	PA 183XX	Web
I received a copy of my ARS report on XX/XX/XXXX and noticed 3 inquires that should not be on the report. On XX/XX/XXXX, I contacted ARS and placed a security freeze on my file. My information should not have been able to be accessed by these banks
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 XXXXX	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.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 78154	Web
Ive sent out numerous disputes to XXXX and ARS - Advanced Resolution Services about this Bankruptcy on my credit file. I also sent them the letter from the United States Bankruptcy Court included attached to this complaint to your company.
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.
10/21/2023	Yes	Credit reporting 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	FL 34471	Web
Advanced Resolution Services, I am requesting my consumer disclosure report Attached to this are my : - valid drivers license - social security card - proof of address This is a formal request to receive my consumer disclosure report
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 774XX	Web
I requested security freeze to be placed under my information and demanded that my personal consumer information not be shared with anyone, any person, and/or any company but it appears it is still being shared without my permission.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77521	Web
Improper usage of incorrect addresses tied to incorrect accounts needs to be removed. Propagating false information on my credit report, and inquiries that has incorrect information and that I have knowledge of needs to be removed.
09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 381XX	Web
I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX.
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
04/13/2023	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	CA 91042	Web
I am unable to get my consumer report from ARS. I keep getting error messages that wont allow me to freeze or access my reports. have a right under FCRA to be able to obtain my consumer reports as well as to freeze them.
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
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 770XX	Web
Attempted to put a freeze on my report from XXXX and unable to due to website failure abd when i called it gave me the run around to yse the website which is not functioning to Put a security freeze on my account
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 604XX	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.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	OK 731XX	Web
Inaccurate bankruptcy record on my credit report. XXXX XXXX deleted from my report already. Also XXXX deleted. Please delete this inaccurate information from report or I will have to take legal action.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	PR 00646	Web	Older American, Servicemember
Requested the the security freeze on my peronal file and have being denied twice. How ever all the necessary documentation were provided.ARS Advanced Resolution Services is play game with my request.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19131	Web	Servicemember
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.
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
I placed a formal request to place a security freeze on my consumer disclosure report with the company. as per FCRA, 15 U.S.C. 1681, et seq. FCRA 602, 604A ( 2 ), 605A ( a ) ( 1 ) ( A ).
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 XXXXX	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 410XX	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.
07/08/2023	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	GA 30046	Web	Servicemember
Requesting to permanently opt out from the lists that Advanced Resolution Services provides to businesses that send firm offers of credit or insurance.
07/08/2023	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	NC 28786	Web	Servicemember
Requesting to permanently opt out from the lists that Advanced Resolution Services provides to businesses that send firm offers of credit or insurance.
07/08/2023	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	NC 28786	Web	Servicemember
Requesting to permanently opt out from the lists that Advanced Resolution Services provides to businesses that send firm offers of credit or insurance.
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.
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93307	Web
To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately
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
04/04/2023	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 618XX	Web
ARS has refused to send me a copy of my consumer report AND add a security freeze even though I provided all necessary documentation
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	VA 23231	Web	Older American, Servicemember
Credit Report continues to display inaccurate addresses and telephone numbers combined with inaccurate non-verified collections.
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AZ XXXXX	Web
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36116	Web
I have unauthorized inquiries that needs to be removed immediately I filed a ftc complaint Im going to attach it below
10/23/2022	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 70806	Web
Was not able to get consumer file online with ARS ( Advanced Resolution Services ) attached is letter
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 085XX	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 616XX	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.
10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48503	Web
Inaccurate personal information. Names and addresses.
09/29/2023	Yes	Credit reporting 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 75238	Web
I requested my FULL disclosure file
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48507	Web
Reporting false account information
02/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 76137	Web

02/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76016	Web	Servicemember

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10032	Web

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10701	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33314	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10452	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10469	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77089	Web

02/06/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	AL 35904	Web

02/05/2024	Yes	Credit reporting 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	FL 34471	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07026	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web

02/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06351	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 117XX	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 731XX	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10031	Web

01/26/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76542	Web	Servicemember

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	NY 11236	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 76542	Web	Servicemember

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37042	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 871XX	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23320	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76065	Web

01/15/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70791	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44212	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85364	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92688	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94803	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MD 21401	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55103	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77014	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	FL 32034	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32608	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	SC 29607	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21214	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77449	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20747	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11722	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85018	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 76137	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33848	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34744	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28086	Web

01/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MA 01757	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NJ 085XX	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64134	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36856	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85323	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29073	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21217	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95765	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20748	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30002	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20721	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90301	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55125	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	VA 20152	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53121	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85296	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 24504	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80204	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20634	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33193	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75670	Web

12/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	DC 20019	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23434	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21230	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92627	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20707	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93535	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48240	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	TX 77090	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SD 57104	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32505	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30311	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30310	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33884	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30043	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27610	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10032	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94607	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91941	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92508	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21237	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10452	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85013	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95621	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38963	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74106	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75126	Web

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13224	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98371	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30072	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01013	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77068	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44212	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 65802	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39150	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11554	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	UT 84601	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34683	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70360	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79410	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93606	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93729	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91706	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78212	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 95833	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 76137	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13440	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 80204	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28213	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28213	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 95670	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33322	Web

12/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31015	Web

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94607	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14580	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21222	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33029	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92562	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30349	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18103	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75052	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85022	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 75219	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11208	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28560	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31416	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19124	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78061	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35235	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 34982	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78613	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NY 10954	Web

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	TX 75063	Web

11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95842	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38619	Web	Servicemember

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34743	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30116	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32867	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	IL 60607	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	FL 33014	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77014	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	TX 77014	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77077	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	RI 02860	Web

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	LA 70058	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30013	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37406	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32117	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	FL 34471	Web

10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60616	Web

10/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 63138	Web

10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46802	Web

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	AZ 86314	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20707	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33414	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30228	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 34120	Web

09/21/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 20712	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NY 11364	Web

09/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60565	Web

09/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48237	Web

09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	FL 32301	Web

09/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60084	Phone	Older American

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60623	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30096	Web

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 11209	Web

08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89158	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32605	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55303	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MN 55104	Web

08/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48125	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31015	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31088	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37064	Web	Servicemember

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33993	Web

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 92138	Postal mail

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60409	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60462	Web

08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75146	Web

08/11/2023	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	NC 28216	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31015	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31088	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33993	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	GA 30180	Web

08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30291	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DE 19720	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 22407	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21133	Web

08/01/2023	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	OH 45224	Web

07/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web	Servicemember

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48089	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63131	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 71203	Web

07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75217	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85396	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38703	Web

07/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60409	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75006	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75181	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45237	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60438	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	GA 31027	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45426	Web

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48021	Web	Servicemember

07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45224	Web

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72764	Web

07/13/2023	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	NC 28012	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	TX 77028	Phone

07/12/2023	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	NC 28012	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07055	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76116	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33976	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75126	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76137	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75146	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75150	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75287	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75063	Web

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30263	Web

07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 33971	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38701	Web

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75043	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60619	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36605	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60628	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60619	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60609	Web

06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AR 72315	Web

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WY 82609	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95008	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19120	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15025	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AR 72315	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37128	Web	Servicemember

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32608	Web

06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60636	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77003	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 18328	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77346	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30326	Web

06/01/2023	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	NV 89115	Web

05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AR 72315	Web

05/31/2023	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	MD 20747	Web

05/27/2023	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	IN 46234	Web

05/26/2023	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	OH 43232	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	NY 11236	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AR 72315	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90274	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77042	Web

05/11/2023	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 78252	Web	Servicemember

05/01/2023	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	MD 20743	Web

05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	DE 19702	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11798	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NC 27713	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11233	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11233	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 94522	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30354	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 60073	Web

04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76227	Web

04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77449	Web	Servicemember

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 90303	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22031	Web

04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92563	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28025	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63112	Web

04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94928	Web

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 08109	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77573	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 64507	Web

03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19082	Web

03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19046	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02780	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92392	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31329	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21202	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 32825	Web	Servicemember

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30281	Web	Servicemember

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77082	Web	Servicemember

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MO 64138	Web

03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37217	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33023	Web

03/10/2023	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 77591	Web

03/10/2023	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 77591	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77068	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46268	Web

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33020	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73099	Web	Servicemember

03/02/2023	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	SC 29505	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 93101	Web

02/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92869	Web

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30035	Web

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30310	Web

02/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33614	Web

02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AR 72315	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77449	Web	Servicemember

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77449	Web	Servicemember

02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	CA 90815	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30019	Web

02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78240	Web

02/03/2023	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	TX 77449	Web	Servicemember

01/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10550	Web

01/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39739	Web

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30238	Web	Servicemember

01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31324	Web	Servicemember

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 80237	Web

01/23/2023	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 33132	Web	Servicemember

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23464	Web

01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95841	Web	Servicemember

01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MO 64138	Web	Servicemember

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TN 38114	Web

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WI 53216	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WI 53208	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75235	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75235	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23231	Web

01/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39532	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37214	Web

01/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37122	Web

12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89109	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33132	Web	Servicemember

11/24/2022	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	NY 11798	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36870	Web

11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	AL 36870	Web

11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 78217	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 78238	Web

11/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20009	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 31088	Web

11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07003	Web

11/01/2022	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 46614	Web

10/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76180	Web

10/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64114	Web

10/21/2022	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	DC 20009	Phone

10/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31602	Web	Servicemember

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46037	Web

10/04/2022	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	PA 15239	Web

09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06106	Web

09/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23234	Web

09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38114	Web

09/17/2022	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 33056	Web

09/16/2022	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	MO 63303	Web

09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55369	Web

09/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38125	Web

09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	PA 16505	Web

09/07/2022	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 20785	Web

09/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web

09/01/2022	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	TX 75154	Web

08/24/2022	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	AL 35020	Web

08/15/2022	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 60504	Web

08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39759	Web

08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39759	Web

08/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35020	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30346	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38103	Web

08/04/2022	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

08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38103	Web

07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27616	Web

07/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33073	Web

07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NV 89032	Web

07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	FL 32901	Phone

07/10/2022	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 Their investigation did not fix an error on your report	MS 39773	Web

06/30/2022	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 46235	Web

06/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33024	Web

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

06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MS 39702	Web

05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	MS 38801	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	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

05/09/2022	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

05/04/2022	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 080XX	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	Postal mail