Advantage Credit, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web	Servicemember
I was a part of several XXXX data breaches and my phone number and personal information were sold to third parties. Via the data reporting and furnishing service, I was notified that my information had been sold to the dark web back in XX/XX/XXXX and my information was being used fraudulently, which explained the errors appearing on several accounts reporting to the bureaus. I also was given an anonymous tip from a military contractor, that contractor XXXX XXXX XXXX, XXXX, XXXX XXXX, address : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been stalking me for 15 years and sold my information. This is not the first time, back in XXXX, XXXX charged thousands on my credit cards to bring harm to my independence this person likes control and is a dangerous sociopath. Unfortunately, we are in a national security crisis and a lot of criminals are hurting people during this time. Several creditors randomly and without notification, closed accounts. I am a victim of identity theft. I asked to be opted out and to investigate fraud. I was unaware and unable to avoid the charge card fraud and now as a XXXX Veteran with children ; I am unable to get stable housing nor obtain a vehicle to drive to my doctor 's appointments. I have been followed me and my childrens lives are still in danger. My internet services were hacked and I had to pay XXXX to provide me with cyberattack services. Phone lines hacked had to pay hundreds to XXXX XXXX XXXX to protect me and my children only to find out later XXXX XXXX XXXX was selling my information without my knowledge to unknown third parties. The following accounts were impacted by the fraud. XXXX, XXXX XXXX XXXX, XXXX. These creditors all of a sudden lowered the credit limits and closed accounts without notification. In addition, the accounts incurred fraudulent charges and were also marked money laundering and fraud. In addition, I filed several reports with the USPS inspector general as my mail was stolen several times containing credit reports and bank statements. I filed reports with the IRS, FTC, California Attorney General, and several other federal agencies notifying them I am a victim of identity theft. Now, I am writing to request that you block the following fraudulent information in my file and conduct a full investigation. For example, XXXX XXXX XXXXXXXX XXXX owns part of XXXX XXXX XXXX ) is reporting a lot of inaccurate information. After I filed a complaint with the Attorney General due to deceptive practices ; XXXX XXXX XXXX closed the account ; with a date of last activity - XX/XX/XXXX ; and a charge-off date of XX/XX/XXXX, then XX/XX/XXXX there are inaccuracies in the furnisher system or process inaccuracies. XXXX XXXX XXXX reported to the bureaus there was still activity throughout XXXX and XXXX who is using the closed, charged off account? For decades, XXXX XXXX XXXX has been against XXXX equity and aggressively targets certain groups of people and bribes outside agencies to cover up corruption. XXXX XXXX XXXX fully understands how errors affect how a creditor or a credit score assesses the creditworthiness of a consumer. XXXX XXXXXXXX XXXX understands time lags and errors hurt the credit score and that purposefully omitted information lowers a credit score. It came to no surprise that XXXX XXXX XXXXXXXX was one of the biggest lenders to XXXX as XXXX XXXX XXXXXXXX has always conducted illegal and deceptive practices. Everyone knows, XXXX XXXX XXXX, stole hundreds of billions of dollars and is managed, controlled by organized criminals who violate the law every second of each day. XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and so many other large corporations participate in good ole boy, organized, unethical behavior. Violence against women ( 18 U.S.C.A. 22652266 [ 2000 ] ), ( 18 U.S.C.A. 2261A [ 1996 ] ) - is a crime. It is unlawful to stalk a person anywhere in the United States to include using mail, E-Mail, or the Internet which is punishable from five years to life in prison. Violation of USC 18 Section 241, 242 has harsher penalties. My information was compromised in XXXX, XXXX, and XXXX. I was a part of data breaches with XXXX, and I never received compensation for severe damages. My information was stolen via USPS and my mail was stolen several times to include my XXXX information. I filed reports with the USPS inspector general. I got notification of a data breach with Veteran Affairs as a hacker was trying to get my benefits information and medical data violation of my HIPPA, XXXX, and other legal rights. XXXX contacted me and told me my account was compromised and sent me a check for damages however the fraud account still appears on my history with reporting agencies. XXXX sold me a debt protection plan and I spent hundreds of dollars on the plan. XXXX closed the account, due to fraud per their CSR, XXXX charged off the account under the debt protection plan, filed an insurance claim, took a tax write-off, and sold the account not honoring the debt protection service I paid for. Lastly, I sent a notice regarding my rights and the protection of my data. I asserted my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt-out '' of disclosing my personally identifiable information with non-affiliated third-party companies or individuals, opt-out disclosing my creditworthiness to any affiliate, opt-out disclosing any of my transaction and experience information to any affiliate, opt-out of disclosing any information about me in connection with marketing agreements and not to include my social security number on any correspondence. I was not opted out which was a violation of the California Consumer Privacy Act ( CCPA ) as there was no authorization to Sell My Info to anyone. In addition, errors have prevented me from obtaining loans, mortgages approval.
06/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90041	Web
Re : XXXX Customer Service Center I renewed my XXXX Lease ( traded in XXXX XXXX XXXX for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with XXXX and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that XXXX would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that XXXX handled this situation with any sort of professional due diligence. Had I received a phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.
04/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92102	Web	Servicemember
XXXX XXXX of XXXX XXXX XXXX contacted my wife and I on XXXX XX/XX/XXXX to ask if we were interested in refinancing our home with an Interest Rate Reduction Loan ( IRRL ). His company had secured the financing for our home in XX/XX/XXXX so he already had signed disclosures on file. I was out of the country at the time so my wife, XXXX XXXX, called him that afternoon to discuss options. She specifically asked " Will you need to run our credit? '' The response that XXXX gave was " We will not need to run your credit at this time. '' During the phone call. On XX/XX/XXXXh, my wife and I both received notices that someone had run our credit. XXXX contacted me through text. I checked my report and it showed that Advantage Credit Inc, had Inquired about my credit on XX/XX/XXXX. I sent XXXX a text that day asking if he had run our credit. He stated " Yes, I pulled your credit so I could start moving forward with your VA IRRL streamline refi. '' Following that exchange he made a number of excuses as to why he did it after I told him that he was not authorized to access our credit reports. He then promised to send us our reports, which has not happened and to review them with us. This was on XX/XX/XXXX and we have not heard from him since then.
02/01/2021	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 XXXXX	Web	Older American, Servicemember
ON XXXX XXXX2021 I filled out an application with a XXXX XXXX XXXX. They checked my Credit and reported back to me what scores they received from the Advantage Credit bureau. They gave him outdated and inaccurate information regarding my credit score. I called Advantage Credit Bureau and asked the girl who answered the phone. Her name was XXXX, Where they got the credit scores they're reporting, she told me the credit bureau. I called the Mortgage agent back and asked if his Mortgage company used Credit scores or FICO scores in making their decisions on applications for a Mortgage. He informed me they used FICO only. I called back Advantage Credit and was told I needed to talk with someone in another department. I tried to explain why I was calling and that there was some confusion in their score. She refused to talk to me and told me to have my agent call her directly. I talked with him and he said, they said their score was correct. The score they posted for XXXX was XXXX. Here 's the problem. On the XXXX of XXXX 2021. I received an email from XXXXXXXX of which I am a subscriber. The email was congratulatory for raising my FICO score to XXXX. I am enclosing a snapshot of that dated email.
05/31/2023	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	OH 43081	Web
Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX XXXX on XX/XX/21, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11520	Web
This is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that bein said, the inquiries are violating the Fair Credit Reporting Act. Section 1681b ( c ) : Transaction not initiated by consumer and need to be removed immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75028	Web
XXXX ; DUE TO RECENT NEW LOAN REFI APPLICATIONS. I HAVE DISCOVERED THAT A COMPANY OR GOV ALINED ENTITY ; MAY HAVE POTENTIALLY BEEN USED TO DISSEMINATE AND DISCLOSE UNLAWFUL ; HARMFUL ; OUTDATED ; DISCHARGED BANKRUPTCY. AS A RESULT OF POTENTIAL DISCLOSURE AND PRIVACY ACT ABUSE ; MY CURRENT XXXX XXXX XXXX XXXX XXXX BELIEVE BOTH DOCS AND RECORDED CONVERSATIONS SHOW THAT XXXX ARE TRYING TO USE MY OLD DISCHARGED XXXX IN VIOLATION OF RLE AND BK CODE. THEY HAVE MADE THREATS AND TRIED TO FORCE ME INTO A LOAN MOD THAT CONTAINS FALSE MISLEADING INFORMATION IN ADDITION, A COMPANY NAMED " ADVANTAGE CREDIT '' HAS OBTAINED W/O MY AUTHORIZATION MY OLD BK DISCHARGE RECORDS AND DISTRIBUTED THEM WITHOUT MY PRIOR AUTHORIZATION. IN ADDITION, ADVANTAGE CREDIT AND XXXX XXXX. PULLED AN [ UNNAUTHORIZED HARD COPY ] OF MY CREDIT REPORT. WHICH CAN CAUSE NEGATIVE POINTS AGAINST MY CREDIT. ( I ) NEVER AUTHORIZED ADVANTAGE TO ACCESS XXXX OR DISSEMINATE AND DISCLOSE PRIVATE PERSONAL FINANCIAL HISTORY RECORDS. HOW DO I STOP THIS ABUSE FROM HAPPENING? A LAW SUIT?
11/20/2020	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 754XX	Web
On XX/XX/2020 XXXX XXXX XXXX Main office pulled my credit report without my consent. I called XXXX XXXX that day multiple times and eventually spoke with XXXX XXXX who works in the mortgage department. His boss is XXXX XXXX. I spoke with him at XXXX. They advised they were working with another borrower with the same name, when trying to get her pre-approved for a mortgage they pulled my SSN which was in their system from an old application instead of hers. This resulted in multiple credit inquiries from XXXX XXXX and Advantage credit inc ( a company they use for credit review ). I was advised they would fix this and remove the inquiries but nothing has happened. I also have concerns that they breached my security and discussed my credit score and credit information with the applicant. I want to know exactly what information of mine was disclosed to her and I want the unauthorized inquiries removed as they lowered my credit score and caused me to have a higher apr on a refinance offer.
04/25/2023	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 77583	Web
Dear Consumer Financial Protection Bureau, I am writing to dispute all negative reports on my credit report. I understand that the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) requires that any information reported about me must be accurate and complete. I have reviewed my credit report and found several inaccurate and incomplete reports. I am requesting that you investigate and remove these negative reports from my credit report. I have provided the following information to support my dispute : 1. XXXX XXXX XXXX, this has been paid off and resolved. 2. Hard Inquiry of XXXX XXXX XXXX on XX/XX/2021, there was a double pull on my XXXX Credit Report. 3. Hard Inquiry of Advantage Credit Inc, on XX/XX/2021, there was a double pull on my XXXX Credit Report. In accordance with 15 U.S.C. 1681, I am requesting that you investigate my dispute and remove these negative reports from my credit report. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 349XX	Web
My credit had been pulled 2x additional times " without '' my consent for closing on a home with XXXXXXXX XXXX who delayed my closing for no apparent reason not making me aware of what was going on. I finally closed on XX/XX/2021. My credit was pulled XX/XX/2021, ( 7 ) days prior to closing without my consent, XX/XX/2021, and XX/XX/2021 by " Advantage Credit , Inc ''. I had a XXXX credit score. I asked the mortgage company, XXXX XXXX XXXX, why it was pulled, he said he is not sure. I perform a primary home purchase and interest rate was extremly high 5.5 %. I asked him to lower it several times and said he was unable to do so. The additional 2x hard credit pull dropped my score to XXXX and 2 additional hard credits pulls. I appreciate the last 2 hard credit inquiries " Removed '' asap. It is affecting my number of credit pulls and credit score. It has also affected my ability to obtain other credit cards and/or home purchases.
09/22/2023	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	FL 33178	Web
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX credit report. My latest credit report shows credit inquiries that I did not authorize. I am writing to dispute the following inquiries and ask for their removal from my credit report. COMPANY DATE CREDIT BUREAU XXXX XXXX XX/XX/XXXX XXXX ADVANTAGE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. Thank you for your assistance. Sincerely, XXXX XXXX.
04/27/2020	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	UT 84043	Web
On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response.
05/13/2022	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	WA 98087	Web
I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later. Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The three credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for mac and may to help devaluate the dollar.
12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11230	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85282	Web	Servicemember
I never authorized this company to pull my credit. I called them to have them remove this, but they have no record of this. They sent me to the company they used to pull credit. They wanted me to provide them with lots of personal information before they could investigate. The problem with this is that I never provided my personal information to begin with. Why would I provide it now? They would then be able to say yes, we did get the information from him. They refused to act on my request. This inquiry is damaging to my personal credit. It's preventing me from obtaining normal rates. This entry is placing me in a higher risk category. I'm strongly requesting that it be removed immediately from all credit reporting agencies.
08/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 986XX	Web	Older American, Servicemember
I am in the process of buying a new house. On XX/XX/22, a hard pull was done to see my updated credit reports. Since then, my phone has been ringing every 10-15 minutes from various mortgage companies with " better offers ''. I have asked them to stop calling. I am already working with a mortgage broker. I have found out that, when there is a " hard '' pull on credit, that the credit bureaus have " trigger '' calls with mortgage companies. THIS IS WRONG!!! This is giving my information without my specific consent and triggers a huge invasion of my privacy. I have disconnected all my phones. My mortgage broker has told me that there are lawsuits against the credit bureaus for this. Something must be done to stop this.
12/10/2019	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 33904	Web
Advantage Credit Inc lock our account. We had to re pull our clients reports which could have resulted in a client score changing. This action also could have resulted in the client not receiving a home loan they had qualified for with the report we had pulled from Advantage Credit Inc. Under no circumstance should we have been locked out and unable to use the reports. I reviewed the XXXX XXXX XXXX standing and found 12 complaints in the last 12 months. We also reviewed the XXXX reviews and found the same issues where they failed to due diligence to update or give access to lenders or brokers accounts. I am very concerned that this company will hurt a consumer 's ability to obtain a loan in the future.
12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94568	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX, on XXXX. XXXX, XXXX, XXXX and on XXXX. XXXX, XXXX, Advntge Cred add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11374	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. ADVANTAGE CREDIT, INC Inquiry : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX XXXX, 2021
05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91706	Web
OnXX/XX/2021, I ask for the Mortgage loan interest rate since I prepare for the new home loan the loan broker didn't get my consent then pull my hard inquiries and it makes my credit score immediately down for points. I contacted with the loan agent, and she told me that she just run the soft credit report and also it will not effective for my hard credit, but in fact, I got the notice from my bank and it said someone run for the hard inquiries credit repot and my credit score was down in few points. I would want to complain for this loan broker issue, I didn't give them authorization to pull my hard inquiries credit and I didn't sign any paper work.
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	FL 32905	Web
On XX/XX/2023 a copy of my consumer report was obtained under false pretenses by Advantage Credit Inc whom I did not grant permissible purpose, nor consent and such action is deem unauthorized by me the consumer. Advantages Credit Inc has subsequently shared my private consumer financial credit information with a third party ( XXXX ) after obtaining my consumer file under false pretenses. No extension of credit or firm offer or insurance has been provided to me as consumer nor appropriate evidence that granted Advantage Credit Inc with my express written consent and permissible purpose to obtain my consumer report.
01/24/2020	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	FL 33139	Web
In the process of applying to an apartment, the landlord needed a credit report. I obtained a credit report ( 1 day old when offered ) and asked the landlord to utilize the report I'd provided to avoid a hard pull. The landlord insisted on using their own report, but reassured me that their company would utilize a soft pull only. I agreed to them obtaining a credit report on the condition that it'd be a soft pull. The landlord/company obtained their credit report, but at the cost of a hard pull. My score dropped 13+ points after a hard pull was made on XX/XX/19 without my permission.
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94115	Web
Hi was in touch with Director of Mortgages XXXX XXXX at XXXX XXXX in XXXX XXXX to be notified of rates based on my income. I confirmed to him that the information would be used from a soft inquiry on my credit information. However when I was notified by XXXX XXXX that a hard check took place by his companys third party vendor XXXX, I was unable to get a resolution for removing the inquiry from him, his staff, or other credit solution contacts he referred me to. It has been several months with no resolution or action done by his team to resolve this non-consensual hard check on my information.
06/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 20111	Web
I've lived in XXXX, Virginia for 26 years I pulled my credit with a mortgage lender and some one is using my credit through XXXX XXXX XXXX I called them and they said they are able to see the account information but the name and social security number do not match what they have on file so they could not provide me with any information. I currently do not have have any auto loans and want to know how this institution is able to report on my credit and why they wont help prove who is using my credit. Or provide a letter stating my name and social do not match the account they have on file.
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC XXXXX	Web	Servicemember
Company that identifies itself as " Advantage Credit , Inc. '' in Colorado keeps pulling hard inquiries on me for three ( 3 ) consecutive months in 2021 ( XXXX, XX/XX/XXXX, and XX/XX/XXXX ) even though I did not apply for a loan, had no mortgage applications, no Auto loan applications, no Credit card applications, no Student loan applications, no Personal loan applications, or no Apartment rental applications during that time frame. It is unknown to me why this occurred unless it is a case of identity theft attempts or unauthorized attempts by others to access my credit information.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 99354	Web
XXXX XXXXXXXX XXXX initiated a hard pull on my credit on XXXX. This was EXPLICITLY not permitted but was done anyway. The XXXX XXXX representative made a completely FALSE statement that what he was doing would not affect my credit. A hard pull ALWAYS affects your credit by adding a hard inquiry to your report! It also affected my score. I have been told since XXXX XXXX XXXX has been working with Advantage to get it removed, but it is still present. Attached are pieces of our conversation from the XXXX XXXX and over a month later, when it still wasn't removed.
03/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	MI 480XX	Web
The credit bureaus needs to fix this issue about the inaccurate information for the inquiry. ADVANTAGE CREDIT INC being reported on my account The inquiry posted should not be on my report because I have neither inquired nor reached out to anyone. The inquiry was pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to the Credit Bureaus and to the company for them to investigate. Failure to comply with the request should be an automatic removal of the disputed inquiry.
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20904	Web
On XX/XX/2023 Advantage Credit , INC reported to hard inquiry to XXXX. I recieved an alert about it. I called the company and asked what this is about. This company is based in XXXX, USA. They mentioned that someone tried to open a new credit card line in my name. I informed them that it was not me and requested them to remove the pending status. The closed my account that was created earlier, but the hard inquiry is still on my credit reports on XXXX. I request to remove the hard inquiry with immediate effect.
07/17/2022	Yes	Mortgage Conventional home mortgage	Improper use of your report Credit inquiries on your report that you don't recognize	NC 272XX	Web
The company, Advantage Credit , Inc located at XXXXXXXX XXXX XXXX # XXXX XXXX, Co XXXX placed an inquiry on my credit reports, XXXX, XXXX, and XXXX dated XX/XX/2021. The problem is I have reached out to this company via certified mail and have yet to hear anything about why they, Advantage Credit Inc, placed an inquiry on my credit reports. I am asking for what the law requires which is proof I gave Advantage Credit , Inc permission to check my credit to do any business with them.
08/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30238	Web
Attention Credit Bureau Management : I am a XXXX veteran. I am unable to work due to my XXXX. I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. Account # XXXX XXXX shows : XXXX of XXXX 180 days late, XXXX of XXXX 180 days late, XXXX of XXXX 180 days late. XXXX shows : XXXX XXXX 120 days late, XXXX XXXX 120 days late, XXXX XXXX 120 days late XXXX shows : XXXX XXXX 120 days late
10/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 80501	Web
My Name is XXXX XXXX, DOB ( XX/XX/XXXX ) In XXXX of XXXX I made a call to XXXX XXXX to make a payment on a collection account, I also asked XXXX XXXX for a pay off letter because i need this removed from my Credit report However they failed to do XXXX And I am still struggling to get this account removed from my report which is affecting my score. I called a second time in XX/XX/XXXX for the pay off letter and I still have not received it.
10/20/2022	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 32818	Web
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
12/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NV 89523	Web
On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that Advantage Credit was the company that ran the report. At XXXX, I called Advantage Credit and informed them that I did not request a credit check. I was informed that XXXX XXXX of XXXX mortgage was the person who requested the credit check. XXXX phone number is ( XXXX ) XXXX.
06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90303	Web
I XXXX XXXX would like to report several inquires on my credit file that are not associated with any open accounts or any contracts or applications on file with the companies listed. Per 15 U.S.C 609 all parties involved are required to validate the information on file or being reported and validate the account with the original contract on file. I would like to have these items removed or validated per 15 U.S.C
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 196XX	Web
I have alot of unusual activity on my credit report in which i have been disputing and is falling on XXXX XXXX, this is harming my credit score and harming me from obtaing funding from banks and loaners, i also satisfied a hard inquiry by paying off the agreed amount and it is still affecting my report. This is illegal and unfair. Please help me erase all these frivolous XXXX authorized reports.
12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 990XX	Web	Older American, Servicemember
Applied for a conventional loan on a new home purchase and when I was sent my credit report it was showing two different social security numbers attached to my credit report. One was correct and one was not mine. The bank is asking for an explanation. I am XXXX and have never seen this number appear is previous credit reports. How do i get the number removed from my credit report going forward.
06/12/2023	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 19120	Web
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Advantage Credit , IncXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/17/2022	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	MI 49509	Web
A relator from XXXX XXXX XXXX in XXXXXXXX MI assured me that he would use a credit pull from a previous lender when I gave him my information, he then told me that he would not charge me to run my credit report and then he paid to run my credit report without my permission and then said I told you I wouldn't charge you. His name is XXXX XXXX this happened on XX/XX/2022
05/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 117XX	Web
There are many hard inquires on my credit report that I did not authorize. They are from brokers that did not ask my permission. XXXX XXXX was my mortgage broker and I was told he would run my credit once which was fine ... ... Then I seen how many times he ran my credit without my consent he never told me and he denies it when its all on my credit report. Thank you
03/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95621	Web
I have been going through an identity theft situation it has impacted my credited report for some time and i have been trying to get this cleared up for months. there are several inquiries appearing that i have not been apart of. im not looking for any new credit so these inquiries are not fair
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94608	Web
someone applied for mortgages in my name during the dates of XX/XX/XXXX, XXXX. totaling 10 times. I contacted the companies regarding this ongoing issue and i was told that they verified my signature through XXXX. This was not investigated nor validated.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77386	Web
On XX/XX/2021 and XX/XX/2021 - Advantage Credit , Inc. - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. reported 2 hard inquiries on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
03/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	MI 480XX	Web
This complaint to ADVANTAGE CREDIT INC was the result of their non-compliance to my request to remove their unauthorized furnishing of an inquiry on my account. I never reached out nor authorized them to pull my credit report.
05/31/2023	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 94587	Web
I am trying to get a home and I have filed identity theft because there has been an abundance of inquires on my report. I can't get anything let alone I refuse to have my credit ran with all these inquires on it. 15 USC 1681
08/26/2022	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	MO 63031	Web
I have noticed that ADVANTAGE CREDIT/XXXX have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ADVANATGE CREDITXXXX and XXXX to verify these inquiries. They have yet to do so.
03/22/2022	Yes	Mortgage Conventional home mortgage	Incorrect information on your report Information belongs to someone else	IL 60637	Web
Hard Inquiry on report for a mortgage company. I did not request or ask for my credit to be ran nor was I looking to get a mortgage loan. Company : ADVANTAGEXXXXADVANTAGE CR Inquiry date : XXXX Type : Mortgage Companies
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OR 974XX	Web
Some one pull hard credit inquiry on my credit file without any authorization. I has contacted 3 credit companies requesting to put faulty alter and requesting to remove the hard inquiry information. Thank you
06/28/2023	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	AZ 85254	Web	Servicemember
There is an unauthorized hard inquiry on my credit XXXX credit report. The inquiry was requested on XX/XX/XXXX from XXXX XXXX XXXX via Advantage Credit Inc. I have been unable to get this inquiry removed.
12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33334	Web
I have recieved mail with information that is not mine please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ADVANTAGE/ADVANTAGE CR Date of inquiry : XX/XX/2020
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web	Older American, Servicemember
I got a copy of my XXXX Credit report and noticed a false inquiry for a alleged loan application, I did NOT do this and the company said they are only a third party agency to file with CFPB.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33186	Web
There is a double inquiry on my credit report under the same company, Advantage Credit Inc. I authorized a one-time inquiry, and my credit report shows a double inquiry with different days.
05/05/2023	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	TX 78210	Web
Advantage Credit , Inc. XX/XX/ and XXXX XXXX XXXX XXXX XXXX. I never gave written consent for a credit inquiry. Remove hard inquiry from the XXXX credit bureaus XXXX, XXXX, and XXXX.
09/18/2018	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	CA 939XX	Web
I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!
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	PA 196XX	Web
I never authorized to transfer or share personal credit information with any outside parties my consent was never given. This is unlawful and should not be permitted by any company.
12/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.
09/14/2021	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 Investigation took more than 30 days	KY 40403	Web
I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation result.
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10710	Web
i been a vicitim of identity theft and someone is using my personal information to obtain credit. I did not authroize the inquiries on my credit report..
12/06/2017	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 92377	Web	Servicemember
On XXXX XXXX, 2016 ADVANTAGE CREDIT , INC . XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX did an hard inquiry on my credit I did not authorize.
01/20/2022	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	TX 77584	Web
Have inquiries that I am not aware of on my report. I have called XXXX customer service to have them removed and they have not helped me.
06/21/2023	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 92316	Web
There was a hard inquiry on my credit report that I did not authorize. I believe someone may have submitted it without me knowing.
02/28/2020	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 35215	Web
I wrote an letter months ago about the issue months ago and never heard back from company and they dont have an contact number.
05/16/2018	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	OH 45224	Web
I looked on credit report again and see another company I have no clue about and why it's on my report. XX/XX/2017 ADV CREDIT
04/01/2022	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	NJ 07052	Web
I was checking my credit report and saw some unauthorized and unvalidated inquiries on there
08/16/2023	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	CO 800XX	Web	Servicemember
Victim of Identity theft and leaked data. Unknown inquiries posted to credit profile
09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 334XX	Web	Servicemember
Advantage Credit and XXXX XXXX loans pulled my credit without my permission.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95838	Web
This account is Fraud, I never give anyone permission to pull my report.
02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NJ 076XX	Web
Advantage Credit Inc. hard inquiries on credit report on XX/XX/2020
12/07/2023	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	NY 11701	Web
I did not authorize ADVANTAGE CREDIT , INC to run my credit.
01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98006	Web	Servicemember
This isn't credited I signed for or approved an inquiry on.
04/16/2023	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	CT 06051	Web
I did not authorize the company to use my credit
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	OR 974XX	Web
Unauthorized credit inquiry on report
12/22/2020	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 95240	Web	Servicemember
I did not authorize these inquiries.
04/04/2022	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	CA 93536	Web
Inquiries I don't recognize
02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 01520	Web

01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33881	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33014	Web

01/16/2024	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	IN 463XX	Web

12/29/2023	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	AR 72206	Web

12/18/2023	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	FL 34668	Web

12/10/2023	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	TN 38019	Web

12/07/2023	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	CA 95815	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92840	Web

11/01/2023	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	GA 30097	Web

09/30/2023	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	FL 33837	Web

09/27/2023	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	FL 33161	Web

09/14/2023	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	IL 60173	Web

09/12/2023	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	WA 98422	Web

09/07/2023	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	LA 71052	Web

09/07/2023	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	CA 90028	Web

09/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95661	Web

08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95008	Web	Servicemember

08/31/2023	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	CA 91941	Web

08/31/2023	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage Confusing or misleading advertising or marketing	TX 75126	Web

08/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92656	Web

08/14/2023	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	OH 45239	Web

07/04/2023	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 85017	Web

06/22/2023	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	MI 48091	Web

06/14/2023	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	MI 48091	Web

05/22/2023	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	NY 11235	Web

04/04/2023	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	AR 72653	Web

04/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60624	Web

03/31/2023	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 91776	Web

03/29/2023	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	NM 87144	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	FL 33023	Web

03/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 93560	Web

03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33472	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91107	Web	Older American

02/06/2023	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 95747	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30542	Web

12/30/2022	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	CA 91601	Web

12/09/2022	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	AR 72703	Web

11/30/2022	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 Investigation took more than 30 days	FL 33484	Phone	Older American

11/15/2022	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 95206	Web

11/11/2022	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	CA 90805	Web

11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27410	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77441	Web

07/22/2022	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 32836	Web

07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95207	Web

07/19/2022	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	TX 75230	Web

06/27/2022	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 32137	Web

06/22/2022	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	CA 90019	Web

06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64056	Web

06/03/2022	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	IL 60202	Web

05/13/2022	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	NC 27517	Web

05/13/2022	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	NY 10312	Web

05/13/2022	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	NY 10312	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	PA 19151	Web

05/02/2022	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	PA 19140	Web

04/27/2022	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	TX 77095	Web

04/20/2022	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 33160	Web

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77065	Web

03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45069	Web

02/23/2022	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	IL 60004	Web

02/18/2022	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	IL 60005	Web

01/26/2022	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 33487	Web

12/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92301	Web

12/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39157	Web

12/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 80925	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78664	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78664	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78664	Web

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92128	Web

10/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95691	Web

10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45426	Web

10/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91352	Web

07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 80014	Web

06/22/2021	Yes	Mortgage Conventional home mortgage	Trouble during payment process	CA 92691	Referral

04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11235	Web

04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 92707	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44125	Web

02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78640	Web

02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10029	Web

02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75033	Web

02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33009	Web

01/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34983	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11229	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11229	Web

01/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20601	Web	Older American

11/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33009	Web

10/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15224	Web

08/26/2020	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	MI 48310	Phone

08/10/2020	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	AZ 85209	Referral	Older American

07/30/2020	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 75087	Web

05/23/2020	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 33024	Web

05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20721	Web

03/26/2020	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 95023	Referral

01/22/2020	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 92591	Web

05/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75058	Web

12/31/2018	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	WA 99337	Web	Servicemember

10/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	CA 93442	Web

04/25/2018	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	OH 45503	Web

05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01854	Web

03/09/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	ND 04873	Web

09/18/2015	Yes	Credit reporting	Incorrect information on credit report Public record	CO 80537	Web