| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This has been going on for too long. If this is not resolved I will be obtaining legal help to go after XXXX as well as Preferred Leasing. I am the victim and I have to jump through hoops while the person that used my good name and information is spending their time on some type of new furniture.
Why did I get the below email?
The police report was done with the XXXX County Sheriff 's Office, which is my local police department, I am confused as to how that is not a law enforcement agency. I also filed a report with the Federal Trade Commission, which was also included in the pdf file that I sent. All the information you state you needed, which I copied and pasted below ( all of the bulleted items ) was included in what I sent to XXXX via this same email address at XXXX on XX/XX/2021.
The specific dates are in the police report and Federal Trade Commission report, how I discovered the fraud is in both reports, the known information about the perpetrator is in the reports, the name of the fraudulent creditor and the fraudulent account number is in the police report, the name of the deputy that filed the police report IS IN the police report, the date the report was filed and the police report number IS IN the police report. A copy of my driver 's license IS IN the file that was sent to XXXX on XX/XX/2021. A copy of my utility bill was sent IN the same file that was sent to XXXX on XX/XX/2021.
I spent an hour and a half on the phone today ( XX/XX/2021 ) with XXXX a Fraud Resolution Supervisor, going over all of this, therefore, I am thoroughly confused and beyond frustrated that I am receiving this email from XXXX at XXXX on XX/XX/2021!!!
In addition, I received another email from XXXX at the exact same time as the one below at XXXX, stating that you will not remove the fraudulent address that's associated with the fraudulent account from my credit report because other accounts on my credit report have that address, THAT IS SIMPLY NOT TRUE, NO OTHER ACCOUNT OF MINE IS ASSOCIATED WITH ANY ADDRESS OUTSIDE OF MY XXXX XXXX XXXX XXXX, TX OR MY ACTUAL PHYSICAL ADDRESS IN XXXX, TX ( WHICH IS A SUBURB OF XXXX , TX ). I have lived in the XXXX, TX metropolitan area for 16 YEARS!!
Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number.
In addition, please enclose one copy of the below information along with your valid identity theft report : One copy of a government issued identification card, such as a drivers license, state ID card, etc.
One copy of a utility bill, bank or insurance statement, etc.
Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : Wed, XX/XX/2021 at XXXX XXXX Subject : Important Information To : XXXX XXXX XXXX XXXX XXXX XXXX, It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information.
We are responding to your request that information in your personal credit report be blocked due to alleged identity theft. We are requesting additional information that you must provide in order for us to act upon your request. However, we have conveyed your dispute to the furnisher ( s ) of the information directly. If you disputed a public record item, we conveyed your dispute to the vendor that collected the information from a public record. Once the dispute process is completed, we will notify you of the results.
If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter.
A valid identity theft report is an official report specifically complaining about identity theft that has been filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service, or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false. The identity theft report should include as many of the following elements as possible : Specific dates such as when the loss or theft of personal information occurred or when the fraud ( s ) occurred, How you discovered or learned of the theft, Any known information about the perpetrator, The names of creditors and account numbers involved in the theft ; Name and/or badge number of the law enforcement personnel who processed the report, The filing date and case number.
In addition, please enclose one copy of the below information along with your valid identity theft report : One copy of a government issued identification card, such as a drivers license, state ID card, etc.
One copy of a utility bill, bank or insurance statement, etc.
Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Also list each account and account number and any other information that you believe appears on your credit report due to identity theft.
Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof.
To protect your personal identification information, XXXX does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at XXXX
If you do not provide XXXX with the required information specified below, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked.
The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : Connect with your credit day or night for FREE. View your Free XXXX Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here!
PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses.
XXXX and the XXXX marks used herein are trademarks or registered trademarks of XXXX XXXXXXXX XXXX XXXX XXXX Other product and company names mentioned herein are the property of their respective owners.
Privacy Policy Contact Us
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| 11/03/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. PREF LEASE bal. {$2600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/14/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. PREFERRED LEASE bal. {$2900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( XXXX ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX XXXX XXXX XXXX ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX XXXX XXXX XXXX, Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .PREF LEASE & {$4900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 09/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. PREF LEASE bal. {$4900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 02/24/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Merchant 's Preferred / Preferred Lease is a company I leased a mattress through to earn credit 3 years ago. I made my payments on time under an automatic payment method. After my last payment, I was still being charged. I called and was told my last payment was late ( for the interest free period in the contract ) and that I owed them over {$3000.00} of interest. This was almost a month after the last payment would've submitted, and I had never been contacted about the late payment. I believed them at this point, without asking for proof, and agreed to either pay the late fee or to turn in the property to resolve or absorb any debt ( an option stated in my contract ) as I was not paying over {$3000.00} worth of interest on a {$2000.00} mattress, a mattress that was still sealed and wrapped as it was a gift not yet opened. After speaking with their supervisor about my situation, they agreed to take a final payment covering the late charges and not to charge me interest nor repossess the mattress. I paid over the phone. Months later, it comes up on my credit report that I have an open account of over {$3000.00} with them. I called, challenged this, and was told they would contact the credit union and to expect a change in 30 days. 30 days came with no correction. I called again, challenged this, and was told it can be 30-90 days. I requested proof showing I completed all my payments and had no outstanding debt with them. They emailed me a completion letter poorly stating this, not including a payment history nor the full amount they collected from me ( including taxes ). 30-90 days later there was still no correction on my credit report. I called again and this time was told that the open account was reporting correctly, that I had agreed to a " settlement '' with their repo department and that the left over interest was now in collections, reporting on my credit, and that I had agreed to this. I asked for proof that I ever agreed to such a thing with any repo department, specifically the phone call ( they record all calls they say ) that entails the entire conversation I had that day with the agent to prove I agreed to this, ever. I also asked for proof of my payment history with them. The first time I was told these things would be emailed to me, ending the call. Nothing ever was. The second time I was told the same by another agent 's supervisor, and was given an email and phone number in case it never came after a week or so. It never did, and I never received a reply after contacting her to follow up. The phone number she gave was one of the the company 's standard customer service lines too, not the agent 's direct line. The third time I called and requested this information I was treated exactly the same. The agent gave me her name, email, and phone number. She, too, never sent me the information and never responded to any of my attempts to contact her after weeks. I then filed a dispute with XXXX. The results concluded a " charge-off '', with no history of any payments I made but one. This affected my credit even worse. I called one last time requesting proof of my payment history and proof that I ever agreed to a " settlement '' ( by the definition they later gave me ) and that I would not get off the line until it was sent. I was told, literally, that they were currently having problems and couldn't access this data, including my payment history, due to a migration of data under a new partnership ... and that the company would not release the recorded phone calls either as they were the company 's property, not mine. I contacted XXXX XXXX dispute specialists and was told that no information was shared with them during the dispute either ; they were given no proof of payment history nor proof that I agreed to the " settlement ''. The conclusion of a " charge-off '' was based solely on the leaser 's word that what was being reported was accurate. XXXX told me that I could file a fraudulent dispute next, in which Merchants Preferred/ Preferred Lease would be asked to provide the information proving their account of my history with them was accurate. That is where I am now, waiting another 30 days. If you find my situation hard to believe, please look up reviews of Merchants Preferred, or Preferred Lease ( they have many names listed on their documents and sites, separate entities under a larger umbrella which I believe is Merchants Preferred Lease-Purchase Services ). You can also check out the comment sections under their XXXX posts to see the extent of their fraud and abuse, as well as XXXX XXXX reviews.
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| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Update XX/XX/XXXX These are the documents I have available and have submitted below previously and as you can see I did not ever receive the entire product and the full product is still reflecting on my credit account of {$3400.00}. I only received the XXXX XXXX XXXX XXXX and that is all I should be charged for. I made XXXX payment of {$300.00} but asked to halt payments when I hadnt received my furniture all together. Everything but the XXXX XXXX XXXX XXXX needs to be removed from the accounting View attached pictures. The previous company was Acceptance Now and became Preferred Lease somehow, I believe they took over and this was for XXXX XXXX. It was definitely not a Rental, nor a Lease. This is considered an Installment Loan and should be described as such on my credit report. I was not renting or leasing the item, Rental/Lease means you plan on giving the item back after usage. If that is the case, I will be more than happy to return the half unused product so this can be removed from my credit. Otherwise, this needs to be changed as an Installment Loan as I was making payments to Own the Product. I was purchasing the items and now I am unable to be approved for an apartment due to the Rental/Lease description on the account type. I dont even live in XXXXXXXX XXXX XXXX anymore. I only use an address for mail, I travel for work and live in Corporate Housing throughout the XXXX. Even with tax the amount shown on my credit is higher. The amount in the documented proof plus tax is {$2800.00} that is {$600.00} more than listed in the documentation and again, did not receive all products. I have submitted these to the credit reporting agency XXXX as well as tried to reach the company and never get through Change to : Installment Loan Amount needing to be adjusted below explained : XXXX XXXX XXXX XXXX/Partial Delivery + Tax : {$1100.00} Additional Update XX/XX/XXXX The information is still incorrect, I tried reaching the company directly on XX/XX/XXXX to try to rectify with the creditor and left a voicemail. No one has since returned my call. This Agreement was never a Lease or Rental this was an Installment Loan. The information needs to be updated not only to an Installment Loan, the amount as well is incorrect as I never received the entire product. The only item I received was the Left Arm Sofa which was still never used and I wanted to return since I never received the entire product and this Left Arm Sofa is now in storage Update XX/XX/XXXX These are the documents I have available and as you can see I did not ever receive the entire product and the full product is still reflecting on my credit account of {$3400.00}. I only received the XXXX XXXX XXXX XXXX and that is all I should be charged for. I made XXXX payment of {$300.00} but asked to halt payments when I hadnt received my furniture all together. Everything but the XXXX XXXX XXXX XXXX needs to be removed from the accounting View attached pictures. The previous company was Acceptance Now and became Preferred Lease somehow, I believe they took over and this was for XXXX XXXX. It was definitely not a Rental, I was purchasing the items and now I am unable to be approved for an apartment due to the Rental description on the account type. I dont even live in XXXX XXXX XXXX anymore. I only use an address for mail, I travel for work and live in Corporate Housing throughout the XXXX.
Company Name : Preferred Lease for XXXX XXXX Dates : XX/XX/XXXX was the date of agreement ( I have all the documents if I am able to send ) Amounts : {$3400.00}
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| 02/07/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to dispute a billing error in the amount of {$940.00} on my credit reports. The amount is inaccurate. I order a sofa from XXXX XXXX XXXX company on XX/XX/XXXXit was supposed to be delivered onXX/XX/XXXX. I waited a couple weeks after the delivery date before I call them to let them know that I never received the sofa.
I called the furniture store several times and got the run around about when they would delivery the sofa. When I finally spoke with management, he said they tried to delivery it twice. I asked him when and did they call, and he was not able to answer the questions. I told him I did not believe that they would try to deliver furniture without calling to make sure the customer is at home. He was not able to tell me where the sofa was or if they could deliver it again. I told him to cancel the order because of the poor communication and incompetent about the order. He quickly agreed to cancel the order and assure me he would take care of it, I spoke with him onXX/XX/XXXX. When the manager agreed to cancel my order so quickly that was an indication to me that they never tried to deliver this sofa, I am not sure they every order it.
Preferred lease charged me for the furniture twice. I called preferred leasing and told them I never received the furniture, after talking to several people there they all said they was waiting on management to provide the information that the furniture was not delivered to me and to return the money to them. After calling and speaking with several customer services representatives and mangers I concluded that these companies may be running scams or intentionally committing fraud. I have spoken to both companies ; they keep blaming each other and claiming that they are waiting on documentation to prove I did not receive the sofa.
Once again it is not hard to prove that something has been purchased and delivered. I am sure both companies know that it does not take 6 months to provide documentation about a transaction for this reason I believe both are involved in scamming and fraudulent activities to consumers.
I called XXXX XXXX XXXX on XX/XX/XXXX and spoke with XXXX and he claims this is the first time he is hearing about the incident. He told me he would contact his driver and preferred leasing to resolve the issue. However, I have heard this too many times and nothing has been resolved. In the meantime, Preferred Leasing is still reporting to the credits bureaus that this is a delinquent account.
I also was told by management at preferred leasing that they have been getting many complaints from customers about not receiving their merchandise. Once again If you know they are scamming customers why would you continue to do business with them. It is unethical for the company to do business with the furniture company when you are aware, they are scamming consumers. Unless you are part of the scams.
I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be removed from my credit reports, and that I receive an accurate statement it has been resolved.
Please investigate this matter and correct the billing error as soon as possible.
Sincerely, XXXX XXXX
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| 11/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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As of today, XX/XX/XXXX, TWO ( 2 ) months since this account was PAID IN FULL, there have been NO refunds credited to our bank account. As per our communications up to this point, my wife and I have been told NUMEROUS times that : ( 1 ) The refunds have been submitted ( 2 ) the refunds have been approved ( 3 ) the refund requests had to be transferred to a new department as part of the merger ( 4 ) the refunds have been sent for approval ( 5 ) you should see the refund in 7-10 business days ( 6 ) you should see the refund in 5-10 business days ( 7 ) you should see the refund in 5-7 business days ( 8 ) we can not see anything past the refund being approved ( 9 ) there was only one refund approved, we haven't heard anything about a second ( 10 ) we see the second refund and have submitted it ( 11 ) the second refund has been approved.
( 12 ) If you don't see it in your bank account by _______, please call us back. To which we have done. MANY, MANY times.
We have gone through the process of verifying the bank account information, ( to which I am VERY aware that IF there was any issue with my banking information after the refunds had been sent, that your office would have received notification that the refunds were returned to your company. THIS IS NOT THE CASE. We bank with a credit union whom is local and they have NO RECORD of there being ANY attempts for your company to make any deposits into our account. Our payment information hasn't changed, our banking information such as the routing and account number have not changed.
ALL of this communication has been documented on your end and MINE. I am in the process of having our attorney draw up some final paperwork as well as file a couple of complaints with the XXXX XXXX XXXX, the Wyoming Attorney General 's Office, and the Consumer Financial Protection Bureau. I expect at this point to see some results from your office and hear from someone TODAY. I have left you two voicemails to this point and am willing to leave even more. At this point, in my mind, this is considered FRAUD.
You have also been emailed with no response as seen below. If you don't have the answers for us on WHEN we will be getting these funds owed to us, which, BY LAW, you technically have 7 days to return, then PLEASE GET SOMEONE TO CALL ME WHO CAN ANSWER WHY WE DON'T HAVE OUR MONEY. NOT your company 's money, OUR money.
Again, for your reference, this is the balance owed to us : Payoff amount : {$1000.00} Pay off check : {$1200.00} Overpayment : {$200.00} Approved XX/XX/19. ( 13 DAYS ) Additional payment taken {$130.00} Refund balance {$330.00} SAME AMOUNT SHOWN ON MY PREVIOUS EMAIL Payment approved XX/XX/XXXX {$130.00} Approved XX/XX/19. ( 19 DAYS ) TOTAL OWED TO US {$330.00}
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| 07/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, MI and the furniture was financed through Merchant 's Preferred Lease-Purchase Services. The furniture was delivered to my home on XX/XX/XXXX, but the sofa ( 1 of 2 pieces of the sofa/loveseat set ) could not fit through my doorway. I was given the option to contact and pay an outside source to break the sofa down so that it could be brought in the house. I decided against it and the sofa has been sitting in my garage, brand new, still in the plastic since XX/XX/XXXX. I contacted Merchant 's Preferred in XXXX or XX/XX/XXXX, to let them know that I was being charged every month for furniture that I am unable to use because it didn't fit through my door. I was told that my account would be noted and to reach out to the furniture store to see if they could pick up the items. I was told that if I couldn't have the items removed from my contract and picked up by the furniture store, the items could be recovered by the recovery team at Merchant 's Preferred and resolved that way. I reached out to the furniture store and they told me that they are unable to pick up the furniture because they don't have a resale license and if they picked the furniture up and attempted to resell, although the items are brand new, they could get into legal trouble. They also said their system wouldn't allow the items to be returned anyway. I reached back out to Merchant 's Preferred to let them know what the furniture store said in XXXX or XX/XX/XXXX and they told me that the issue would be escalated and someone would reach out to me. I've called Merchant 's Preferred 4-6 times between XXXX and XX/XX/XXXX about having the items picked up but I have never been able to speak with anyone in the escalation department, a supervisor, or anyone in the recovery department. In the midst of trying to resolve the issue, I was affected by the Covid-19 pandemic, which they were aware of and I was told that my account would be noted for that as well. However, since I have been attempting to contact Merchant 's Preferred and waiting on a call back to resolve the issue, they are negatively reporting to XXXX that I am past due on my account 60 days, owing {$4700.00}. This issue could've been resolved before it was reported negatively, but I refuse to pay for items that I don't have, especially when I have received no help after months of trying to resolve the issue with Merchant 's Preferred.
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| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Preferred Lease has been falsely reporting information on my credit report for the past 6 months. I used this company to lease some furniture and after paying the balance of XXXX on XX/XX/XXXX, I requested to have it picked up. After speaking with the CSR on the phone, he assured me that the account would be marked for recovery status and that the payments would cease. More than a month later, Preferred Lease reports to the credit bureau and flags my account as delinquent. I had called several times because the furniture still wasn't picked up. I called almost weekly, some times more because it was never picked up. I was told that someone named XXXX would call and set up a pickup time. I sent the photos requested, I sent the information showing the payment made on XX/XX/XXXX. The next month, they reported to the credit bureau and showed I was late. I called again, the furniture still had not been picked up. I asked why were they reporting to the bureau when I had asked to have the furniture returned. XXXX said that I was still liable because they had not picked it up yet. I reiterated to XXXX that I had requested several times to have it picked up with no success. I again requested the furniture be picked up. 65 days later on XX/XX/XXXX, the furniture was retrieved. Again, they reported my account as late 60 days and filed as a voluntary repossession. I was told the return was allowed because it was a lease. When I called to ask what was going on, I was told that they were showing the account as CLOSED. On XX/XX/XXXX, Preferred lease was updated AGAIN! From {$300.00} to {$890.00}. The person I spoke with on XX/XX/XXXX, searched and stated that they had no open accounts in my name. It's reported that I owe XXXX and last payment was XX/XX/XXXX. The report dated XX/XX/XXXX shows last payment on XX/XX/XXXX. They are also reporting the account balance as {$3200.00} It should be XXXX because it was a lease, and I was given the option to return it. As of XX/XX/XXXX, this account is still on my XXXX credit report as 90 days delinquent and owing {$3200.00}. I filed a complaint with the XXXX on XX/XX/XXXX and received a response that said the company believed their information was accurate, but that they would request a deletion. The account was closed per previous conversation with corporate, so the letter is a false statement.
Product_Or_Service : XX/XX/XXXX Account_Number : XXXX
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| 07/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I got approved for a {$900.00} credit line thru Preferred Lease while I was shopping aXXXX XXXX XXXX XXXXXXXX XXXX at XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2021. My phone number for the account was XXXX ). My address for the account is XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX. I purchased a pillow top mattress set on XX/XX/2021 for {$430.00} without tax. The store owner told me that they would send me the mattress set and set it up on XX/XX/2021 at no cost to me. For some reason they called me around XXXX XXXX on XX/XX/2021 offering to deliver it that night. The delivery went fine expect that the mattress was wrong and I needed them to send me the one I ordered I called them on XX/XX/2021 and spoke to the female receptionist at the store phone number XXXX who stated that they would not refund me even though they sent me the wrong mattress. The thing is I did not sign any documentation for the mattress when it was delivered. They have no proof that I had received the right items during the delivery specifically the type of mattress that I ordered and that were supposed to deliver.
I ended up calling the Preferred Lease ( credit line provider XXXX customer service between XX/XX/2021 and XX/XX/2021 attempting to resolve the situation. The representatives in their customer service department did not seem willing to assist me with anything. I wasted a lot of time arguing with them. I explained that I intended to send supporting documentation and they refused to let me. I eventually ended up talking to someone I thought was very helpful. At first they told me that they'd have a regional manager reach out to the store and resolve the situation on XX/XX/2021. When I called back on XX/XX/2021 after waiting about a week, after their customer service told me to wait 48hrs for the regional manager to get back to me, they said that they couldn't do anything for me since, I quote " they said that they gave you the right mattress so there's nothing we have to do. '' At that point I ended up just paying the full amount because they " informed '' me that they would put the account in collections along with extra fees if I did not pay. I have clear evidence that the mattress set is not legitimate. They gave me a random mattress that's value is unknown and could be used or valued less than the mattress set I selected and purchased.
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| 01/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I have recently finest furniture through XXXX XXXX out of XXXX Georgia to a furniture outlet store in XXXX XXXX Florida. After I financed the furniture me and my girlfriend split up and I left the house. I had contacts at the furniture store to inform them I was going to return the furniture, and they told me to contact the finance company ( XXXX XXXX ) which I did. They explained to me that they would take the furniture back and there will be no other charges. They told me that they would schedule someone to come out to pick up the furniture after I sent them pictures of the furniture. I explain to them that I had to do it in a way to where It was comfortable and more feasible for me to do because I was afraid my girlfriend was going to damage the furniture if you found out that I was getting it back. They said they wouldn't send anyone out until I sent the pictures which I didn't do right away because I haven't been able to access the house to do it. At that point They turn my case over to recovery which never contacted me but claims they sent someone out to pick up the furniture which honestly is impossible because nobody contacted me and I never sent them pictures so they put my account back in active status and started charging me again. Payments were supposed to stop once it was in recovery mode which that never happened. The collection calls continued as I tried to explain that their account should have Been in recovery status. The customer service ages or bill collectors work extremely rude have hung up on me numerous times have called my phone and hung up as I answered and every time I ask for a supervisor no one can help me. 1 person took my information for a supervisor to call me and I never got a call. I've even Insisted they go back into the notes in C and I even mentioned that if all calls are recorded then it should be listed on the recorded call which nobody still has answered my questions. It gets to the point where if mentally abuse me and threaten me that if I don't pay them that They were not coming to pick the furniture up. This back-and-forth and threats or extremely uncalled for And therefore I would like to make a complaint. No one is still resolve my issue yet this has been going on for the past month. Somebody please help me.
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| 06/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with additional add-on products or services
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Web |
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I had went to a furniture store on XX/XX/XXXX received it on XX/XX/XXXX. They told me I can get a line of credit from a Company called Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. located on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX. I applied and got approved for the XXXX. If I would of payed it off in three months no interest rates would of applied. However that could of went as planned cause the flowing week the furniture started falling apart. Draw handles were breaking bed legs were on the verge of breaking and wood was chipping on the bed. I called back the furniture tried to get them to fix it. They were rude I called the loan company tried to get there help and they told me I had to call the furniture store cause they wont take back damaged furniture until I make a payment. It was to the point where I went to small claims court and filed a complaint against the furniture store. My court date was set for XX/XX/XXXX at XXXX. Until then I continued to call the merchant and the credit company. Then on XX/XX/19 the Furniture store decided they want to come and fix my furniture. I allowed them to cause my XXXXyr old had to sleep on that bed. After they fixed it I called back Merchants Preferred Lease-Purchase Services, a division of C/C Financial Corp. to have them adjust my late fees and payments to start my payment for after they fixed my furniture due to my furniture being damaged for 3months and me trying to get them to fix it. Instead of them helping me with my three months of stress and worry about weather or not the bed is going to break while my son is sleeping on it. They rather tell me this will be on my credit it I dont pay and I signed a contract with them. What about the defaulted furniture I was sold. I would like for my bill to be started fresh in XXXX or I want my lease terminated. I have pictures to prove my case as well as legal papers I had filed for court. As well as they have recording of our conversations. This is injustice and a company like this should never be in business they are robbing people and messing up their credit.
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| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To whom this may concern : Please validate the alleged debt referenced by the following account number : XXXX your company stated that a total balance was owed in the amount of {$7900.00}.
If Preferred Lease still claims this debt is valid, correct, and accurate, please provide the following specific verification of records : 1. A copy of original contract with a signed application dated with my signature.
2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.
3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of $ amount is owed to Company Name.
5. A full ledger of accounting documentation.
6. Specific services and codes ( please include service codes ).
7. Please provide your Your State business license and articles of incorporation to do business in my state.
I hereby give Preferred Lease 15 business days to produce verification described herein this notice. If your company fails to produce the aforementioned documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for furtheXXXX investigation. Thank you very much in advance for your prompt response.
Respectfully, XXXX XXXX
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| 05/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Good afternoon, I called Merchants Preferred Lease-Purchase Services several times, and I did not get a concrete answer or solution to my issue. In XXXX, I called and planed an automatic additional payment of {$150.00} of my agreement. The initial agreement was for {$1000.00}, including {$49.00} that I paid when I received the agreement. On XX/XX/XXXX I called to finish paying the outstanding balance of {$270.00} ( amount indicated by the company by phone on the previous call ). I made six payments in addition to the first one of XXXX XXXX already mentioned, so I paid a total amount of XXXX .
When I called to make the final payment, they told me that my final payment date was actually on the XXXX, not XXXX, the one thing that neither agrees with the information previously received, nor with the e-mail sent by you. The email sent by you onXX/XX/XXXX indicates that the recurring fee would be deducted on XX/XX/XXXX, so It is not consistent with the date they previously mentioned. In addition, in my agreement the first payment wasXX/XX/XXXX. I contacted them not only by e-mail, but by phone a lot of time, and they always told me that the supervisor would contact me, which never happened. They told me that they would check my calls to verify the information they had been giving to me, however I never received that call. On XX/XX/XXXX ( yesterday ) they called to advise that I have to pay more.
I sent letters to them, which I am attaching to my complaint, however I never received response.
I have been not only punctual in my payments, but also I program additional payments with anticipation. I am a responsible person with my debts and my obligations and my intention is to keep myself as such.
For all the reasons stated above, I requested a stop payment on my bank and They are NOT authorized by me to debit any other payment from my bank account.
I have been waiting for their e-mail or call, since XX/XX/XXXX.
Thank you
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| 12/19/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Older American |
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On XXXX XXXX, XXXX, I purchased a mattress and box springs from the XXXX XXXX in XXXX, Texas. They had signs all over the store saying " 90 days interest free. '' When I asked the salesman about it, he told me that they had several sources for loans with 90 days no interest. He submitted my application and told me I was approved. He printed out the contract with the loan company, Merchants Preferred. The contract was XXXX or XXXX pages long and I just had to initial XXXX page and sign the last page and the Sales Receipt. The price for the bed was {$490.00}. He told me several times that there would be no interest until the 90 days was up, and that at that time, if I had not paid the bed off, that the interest would be pretty high. He turned the pages quickly, as he commented on what a certain page was telling me, and I signed it. He also said, " Just because you are paying {$41.00} every 2 weeks does not mean it will be paid off at the end of the 90 days. '' I laughed and said, well I would n't think it would be. While I admit that I should have been more cautious, I feel like I was not given all the information in order to make a better decision. I was not given a copy of the contract either. When I called the lender to find out my exact pay-off in XXXX, I was told it was over {$400.00}. I could not believe it. I said, but I 've paid over {$200.00} on this bed already. According to my calculations, I would have owed {$290.00} on XXXX XXXX, XXXX. It was then that I told the representative from Merchant 's Preferred that the salesman never said anything to me about interest being charged during the 90 days. What she told me was that for the first 30 days, the interest is 5 % and then each 30 days it goes up. I think I was not given all the facts about the loan, and I feel like I have been taken advantage of. I am a single woman and live alone, and I do n't have this kind of money to throw away. Is there anything you can do to help me?
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| 03/22/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.
1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.
2. I also want to know who is the original creditor?
3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
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| 11/19/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
Servicemember |
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COMPLAINT ACTIVITY REPORT Case # XXXX XXXX XXXX XXXX.
Consumer Info : XXXX, XXXX XXXX Business Info : Merchants Preferred Lease-Purchase XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX - XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Involved : ( Same as above ) Consumer 's Original Complaint : On XXXX/XXXX/2015 I bought a laptop and a coffee machine from XXXX store, I refer to Merchant preferred financing to finance the laptop ( cost XXXX ) and the coffee machine ( cost XXXX ) total with taxes finance XXXX. ( by the way the coffee maker stop working in XXXX 2015 and it ended in the trash ) so the started taking XXXX per month from my checking account the last payment they took just several days ago so I called today why the still taking money out of my account when the Items total was XXXX that payment should have been completed. they told me no because I signed an agreement for 18 months and that I will be paying XXXX for 18 months and the total will be over XXXX when the payments are completed, I was not aware that was the deal I understood that I was being finance until my bill of XXXX was paid completed, base on their explanation I will be overpaying 3 times for the items I purchased, that do not seem to be wright it seems to be a legal scam, how can the consumer department allowed these companies to ripped of the consumers Consumer 's Desired Resolution : DesiredSettlementID : Not applicablestopped scamming onsumers XXXX XXXX XXXX/XXXX/2015 web XXXX Case Received by XXXX XXXX/XXXX/2015 XXXX XXXX Case Determined to be INFO ONLY - Send to Company XXXX/XXXX/2015 XXXX EMAIL Inform Consumer - Case Closed INFO ONLY XXXX/XXXX/2015 XXXX MAIL Inform Business of Case Closed INFO ONLY XXXX/XXXX/2015 XXXX XXXX Case Closed INFO ONLY
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| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file.
Proffered Lease, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts.
I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & Preferred Lease remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
|
| 07/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/XXXX I contacted Merchants Preferred now XXXX Preferred Lease to discuss the balance owed and to create a payment plan. I was in direct contact with a customer account specialist named XXXX XXXX who was able to send me a spreadsheet containing payments made towards the account. We discussed that I will review the spreadsheet and contact her with an amount that I can pay towards a payment plan and what it would look like.
When I tried called Preferred Lease on XX/XX/XXXX ; I was on hold for approx one hour and never could reach a live customer agent, I tried again on XX/XX/XXXX and was on hold for yet another hour with no live customer agent. I sent emails inquiring about making a payment plan that went unanswered ; I decided to refocus my attention towards paying other debt that was more responsive.
On XX/XX/XXXX, I received an email from Preferred Lease with the subject line reading " Use Your Stimulus Check and Settle Your Account ''. The email contained a settlement offer of {$740.00}, I sent them an email on XX/XX/XXXX stating that I did not want to settle, I would like to pay off the entire balance in full. I never received a response back from my email ; I tried placing calls, once in XX/XX/XXXX and again sometime in XX/XX/XXXX. During the calls, when I pressed to speak with a customer representative, it will say all agents are busy with other customers to please stay on the line. it will repeat that phrase twice and then it will state that they are experiencing technical difficulties at this time, goodbye.
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2020 I filed several disputes with XXXX using the online disputes portal. On of those disputes included an account known as XXXX XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided XXXX a letter which stated that XXXX XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my Merchants Account. On XX/XX/2020, I received an email from the XXXX XXXX Department which stated that based on the documents I submitted with my dispute # XXXX, an XXXX Dispute Specialist modified the account information. When I logged into my XXXX account I observed that my XXXX XXXX XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX told me to contact XXXX to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore XXXX is initiating disputes that I did not request.
|
| 09/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2020 I called to scheduled for furniture leased to be picked up from my prior residence. Since then I have received constant run around from this company starting with an employee named XXXX XXXX. Every pick up that was scheduled resulted in no shows from the start. I even reached out several times to the company picking up the furniture who repeated failed to do so wasting my valuable time. This went on for at least two weeks of verbal and email communication until the end of XXXX. The end of XXXX I received an email for a settlement and called the company regarding it. I ended up settling for XXXX XXXX and XXXX dollars due to I was sick and tired of the repeated lack of customer service and unprofessional-ism. Again, I was paired up with Mr. XXXX XXXX whom never advised me of a XXXX XXXX dollars fee and charged my bank card without my knowledge. I called back once I notice the fee and was refunded. However, this employee is extremely incompetent that I have endure constant suffering and anxiety as this would go against my credit. Today, I was notified by a credit alert this account has gone against my account. Prior to me stopping payment because they were suppose to pick up this furniture my account was never late and always on time. This company has now jeopardized my credit history and causing me financial suffering. This company is a scam and is continuing to ruin people financially after sending me a settlement and accepting my offer of payment.
|
| 01/21/2020 |
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
|
|
Web |
|
|
I established an agreement in XXXX to make payments via auto draft monthly. I was invited via email to take advantage of some payment arrangement options. I called in XXXX to accept the arrangements and make the payment requested. The first payment was made on that call. I opted in for the payment to be auto drafted from the account as they required. The collection calls and emails never stopped. Even after I made the payment in XXXX the company sent another collection email during the same month. The company send emails and calls me as well as my references weekly. I called into customer service and stated that if I'm currently in compliance why are the collection efforts continuing. I was advised that it's on auto dialer and there's no way to stop the calls and the only thing she could offer me is removing my references. I asked for a supervisor or member of management and I was told that there is no one available and I'd have to wait for up to 48 hours to be called back depending on what the issue is. I asked for a email or point of contact to request a resolution and I was advised that the option requested is not available. In addition to the continued collection attempts the company is reporting my account as late to the credit bureau monthly. They have reported my payment as being late to the credit bureau for XXXX as well as XXXX and the company has auto drafted my account on the date selected both times for payment as they required per the agreement.
|
| 02/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I recently purchased furniture from a local store in TN and decided to finance it through one of there leasing companies ( 3rd party ) Merchants Preferred Lease out of XXXX, GA.
I have almost completely paid off what i owe for the furniture, however recently I've been hit with financial troubles and have not been able to make the bi weekly payments that were agreed upon for the last month or so. I called the company to see if we could work something out or postpone a payment or two until i was able to pay the remaining balance in full but the company informed me they are unable to work with me or change any of the initial agreements.
I politely asked for them to discontinue ACH payments via my bank account due to funds not being available in the account on the scheduled transaction dates. Due to that reason, i was receiving late fees & return item fees from both my bank and the lender. I called back again to ask again for this to stop and they declined to do so.
Recently, a federal law was brought to my attention that protects consumers in situations like this. I was informed that this federal law prohibits a lender from withdrawing payment after two unsuccessful attempts. An email was sent to me today informing the 3rd attempt will proceed tomorrow XX/XX/XXXX. The first two unsuccessful attempts occurred on XX/XX/XXXX & XX/XX/XXXX.
FYI- The first attachment labeled " CFPB '' is an email that made me aware of this law from another lender.
|
| 01/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.
You can not add interest or fees except those allowed by the original contract or state law.
Any attempt to collect this debt without validating it violates the FDCPA Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX.
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau XXXX XXXX ) XXXX then you must immediately inform them of my dispute with this debt.
Reporting informatior you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
|
| 04/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have contacted the company : XXXX XXXX on several occasions. Three times in XXXX, and once today XX/XX/2019. I explained to them that I was terminated from my job a couple of months ago due to discrimination/wrongful termination, and I asked them to please come by and pick up their furniture, which is a rent to own type of contract. I have also explained to them that I can barely make my rent payment because I am currently unemployed, and I have been now for over two months. I also told them that I do not want to have my credit damaged any further by them reporting my late payments due to my hardship situation. They don't listen, they haven't done a thing about it at all. I have begged them to come and retrieve their property so that any further payments can stop, and all that I would be required to pay is the rental amount up until this date. All that they tell me is that I must first bring my account current before I can have the property recovered. I have told them time and again that I simply don't have the money due to my current situation, and they don't care at all. Meanwhile they keep damaging what was impeccable credit, and they won't do anything to work with me considering my valid hardship situation. I have even asked to speak to a supervisor regarding this, and they refuse to allow me to do so.
|
| 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
|
|
Web |
|
|
Creditor : Preferred Lease XXXX XXXX XXXX XXXX, TX, USA XXXX I am a victim of identity theft. I recently learned that my personal information was used to open an account at Preferred Lease.
On XX/XX/XXXX, I received an email from XXXX alerting me of a new installment account from a third-party lender called Preferred Lease. I logged into my XXXX Account confused, as I have never heard of this lender and never done business with them. I opened the alert in my XXXX account and saw a {$6000.00} installment plan. Further research, calling the phone number provided for Preferred Lease uncovered the following details : The lender, Preferred Lease works with XXXX XXXX XXXX and other furniture retailers to provide furniture on credit.
XXXX XXXX XXXX and Preferred Lease failed to properly identify this person 's identity prior to approving her loan. While she does in fact possess forged documents of my personal identifiable information bearing my name and SSN, she submitted a photo of her method of payment covering her own name on the card, and the delivery address and billing address she provided did not match the address on my license, which should have been cause for additional verification of her identity. Preferred Lease has ignored my request for resolution of this matter.
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have been disputing this account for over a year and nothing has been resolved. PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, XXXX and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. Preferred Lease is committing 18 USC 1028 A aggravated identity theft. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
|
| 03/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Preferred lease was mailed a check in the amount of {$280.00} for the 90 day payoff on my lease. They kep saying it was not recieved. The check was mailed from a title company as I inlcuded it in my home closing. I kept calling and they said it was not there so my 90 day payoff deadline arrived. I did not want the lease/loan extended with added interest so I paid out of pocket with a debit card because my check supposedly had not arrived. I went back to the title company to have them cancel the check and low and behold Preferred Lease had processed my check on the prior to my debit card payoff. I then requested refund 3X to which I was told is was approved on the XXXX of XXXX and it would go back on my card ending in XXXX. Please pull this phone call it was on the XXXX of XXXX. The last CSR I spoke to on XXXX is now saying it was never approved and can not be returned on to my card. I will attach the processed check, Preferred lease owes me {$280.00}. They ended up firing the manager that was supposed to approve my refund, it was never approved. None of this was ever told to me. I have called 5+ times, and I just want my money back ASAP. XXXX, was extremely rude and condescending I really don't appreciate her calling me a XXXX and saying I did not have a refund.
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have been disputing this account for over a year and nothing has been resolved.
PER 17 CFR 248.7 by law Preferred lease informed me this was a no credit check application. Preferred lease, XXXX, XXXX and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did XXXXThey have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
|
| 02/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am writing Preferred Lease as I now have a better understanding of my rights and violations of FCRA and FCDPA. I had contacted preferred lease in XX/XX/2020 about declared disaster and loss of work. I was told I would have to speak with a manager. Missed the managers call and called back the number left on voicemail which didnt work. Im not sure if it was a personal number. Eventually I got a hold of the manager who was rude and threatened that Preferred Lease would ruin my credit. They also would not work with me as I had one last payment before dismissed from work. I sent in all the information to the email the manager provided with no response or correspondence. Even at this point I have not received any correspondence from Preferred Leasing. I did NOT receive any mail about the bill due either and that it would be hitting collections. I have received no contact from the company and have been ignored.
Please delete the account from all three credit bureaus as this was during a declared disaster, the manager threatened that Preferred Lease would damage my credit ( listen to your recorded lines ), and I have not received verification of debt.
Thank you,
|
| 08/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
In XXXX of this year I applied for credit with XXXXXXXX XXXX a week are two later I received a call from a lady name XXXX telling me I had been approved for XXXX. I told her I'd come in that following weekend AndWhen I did make arrangements to go in I called XXXX from outside to make sure she was correct about what she had told me bout the credit amount for me. She assured me it was correct. When I got inside she greeted me and told me to look around. I finally chose a freezer which was XXXX she went to check her numbers I was just trying to establish a credit line.When she returned she told me the credit line would be from someone else in the store Preferred lease but nothing about a change in price are anything.They tried to go up on what I had decided to get but I didn't. Now after in being hospitalize in XXXX and being late with my payment I find out that are charging me {$940.00} for the freeze.I have the invoice I was given say 's chest freezer XXXX and XXXX deliver.Now I see they're on my credit report for XXXX. So not fair. Help me please Im on a fixed income and I never would have gotten this I could have bought a freezer for XXXX at XXXX XXXX
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX an account was opened fraudulently in my name and using my social security number. I was notified on XXXX XXXX when a withdrawal in the amount of approximately XXXX was taking from my account. My bank gave my the merchant and telephone number and I contacted Preferred Lease to inform them this account was fraudulent. Preferred Lease directed me to their fraud department and took my information while also directing me to file a police report as well as a FTC report. I followed through but then they requested photo ID, social security card, and other information that I was uncomfortable with being as though this matter was already identity theft. I contacted the credit bureau and had them investigate the matter sending them the information they required. XXXX stated that the account was validated as belonging to me. I asked XXXX to send me what information was sent to verify my account and they stated that there was not anything sent to verify the account that Preferred lease just confirmed by email that the account belonged to me. As of today this has hindered my credit and is causing major damage as it is reporting late payments.
|
| 09/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Signed a contract in which I received merchandise in XXXX, provided checking account and routing number for my payment to be withdrawn from my account in XXXX. The company reported that I missed a payment to XXXX. How can I miss a payment that I provided information to debit my account!? Ive entered a dispute, but Im livid about the unorganized practice of this company. The company sent me a text that my first payment would be extracted in XXXX!!! They have a 90 day payoff term, so by their negligence that would mean I only have a few weeks to payoff my account. They breached the contract and the conditions of it. The company advised me that I received my furniture in XXXX! That information was false, I received my jewelry in XXXX. Ive seen multiple negative reviews about this company and feel like their ethics should be exposed! Please help! I do have an active dispute in process!! They also impose an erroneous {$50.00} fee for early payoff, but the amount on my contract give the amount of merchandise and taxes which equal {$480.00}, according to them payoff is {$530.00}.
|
| 02/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have an account or contract with you people. I have been going over the situation with Preferred lease since XXXX/2021. I have been told there is no contract and account. I have visited the local kiosk and confirmed there is no account. I have been told on several occasions the information would be updated with XXXX XXXX to take the fraudulent and erroneous delinquent account on my credit from Preferred Lease would be deleted. it has been 3 months and they have not corrected my report. They report a fictitious payment made in XXXX 2021. Again, I have no account and I never made a payment. Preferred lease will not provide me with a signed contract or validation of debt including said account where this payment was derived. Bottom line Preferred Lease is in violation as they are reporting fraudulent erroneous information to the credit bureau that is not validated. They are violating FCRA and fair debt collecting practices. They are causing unfavorable credit decisions due to the fraudulent account.
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
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.
Account name : Preferred Lease # XXXX balance {$5000.00} 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.
|
| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I previously had an account with Preferred Lease which I paid off in full XXXX month now. They have reported to XXXX XXXX and XXXX that I still have a balance of {$7000.00} balance on this account when the total account was paid in full. I have called their office on XXXX occasions and was told that I They have not updated to the Bureau as yet. I explained to them that I am currently in the process of purchasing a house and I need this information to be updated so my loan officer can pull my credit report. They are saying I have to wait 30 to 60 days. During the time I was making payments on my account, they reported to the Credit Bureau every month. I should not have to wait 60 days for them to report a pay off. I have a 100 % on time payment history with this company. Never late. This updated information is needed now for them to lock my rate in. I should not have to wait and miss an opportunity for a goos rate because their office is not efficient.
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX/Preferred Lease has reported my account as delinquent for 90 days with a balance of XXXX . However, I have made no late payments and was offered a furlough payment in XX/XX/XXXX. I paid off my balance in full in XXXX and the company reported my account as settled and delinquent. This information is not correct, I did not settle, I paid the full balance in full on XX/XX/XXXX, earlier than my leasing end date. They immediately made a report to the credit bureaus only 6 days later that this account is settled and delinquent. I have been in touch with the company and they stated that they would " look into this '' and I should hear something within 30-60 days. This has hindered me from closing on my house. If they were so quick to report inaccurate information, then I believe that they can quickly fix this error. This is a criminal act of inaccurately reporting my credit, hindering me from obtaining any future credit or closing on the house.
|
| 01/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Preferred lease has been contacting me since XX/XX/21. This company is trying to get extra money out of me after they have already took my credit card I have paid them {$2700.00} of my consumer money for furniture plus they are trying to charge me an additional {$900.00} dollars after the use of my social security number. The furniture was paid for and now they are trying to collect double the payment. That is a violation after I have told them not to contact me, I have never given preferred written consent to contact or harass me and they refuse to stop. I am afraid to answer my phone because they have given my XXXX I block the company from contacting me but they send text messages and call from multiple different numbers XXXX I sent preferred Lease an affidavit of truth, a cease to communication and a copy of phone records and an Federal consumer invoice in one envelope certified mail return receipt.
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I found out about the debt XXXX XXXX 2020. I contacted the company and as them to do a fraud investigation and they said only if I provide copies of ssn card and drivers license. I said no why would I give my personal ID on an account that I did not open. I was told that the account was open via online in XXXX 2020 at midnight for a business at an address i never lived. Once the account default they called me but before default money was auto draft from an acct I never had and they have been speaking to this fraud person regarding the acct along with references. No inquiry has ever appeared on my credit file from the company especially because i have always had a credit lock. This company is known for opening accounts against consumers claiming via online w no inquiries then trying to collect on false debts and is always sued. Also i have a ftc report and irs fraud report because my ssn was stolen.
|
| 07/08/2020 |
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
|
|
Web |
|
|
In XXXX of XXXX, I noticed 30 days late on my XXXX XXXX report. This was from Merchants Preferred. This account was paid off. The 30 days late were reported from XX/XX/XXXX. This is inaccurate as I paid the loan off in XXXX. I had also made previous payments in XX/XX/XXXX, XX/XX/XXXX, etc. I disputed this though XXXX twice and Merchants said their information was correct. This Blemish is now holding up mortgage approval for my new home. I've reached out to Merchants Prefered and asked for assistance reviewing the payment statements but they refused to help me. I was able to obtain their payment history which shows I did, in fact, make a payment in XXXX and paid off the account in XX/XX/XXXX. I was not 30 days late in XXXX of XXXX and they will not delete this from my credit report.
Creditor : Merchants Preferred XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX GA XXXX XXXX
|
| 01/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I purchased furniture from XXXX XXXX in XXXX XXXX XXXX, Florida. Which it cost {$1300.00}. I put down {$650.00} which only owing {$670.00}. I was at work the young lady did everything over the phone. I didnt sign Lease agreement. Which asked for proof of signature? They wouldnt evening send it to me. They have reported improper information to credit bureaus say I {$870.00}. One I dont owe that because the young lady said 90 days same as cash. Which I thought I was paying XXXX XXXX not Preferred Leasing. Not mention they reported I was late on XX/XX/XXXX when this account has been closed since XXXX of XXXX. Which I will upload all documents. Attached is the document that I received from XXXX XXXX no Lease Agreement. And highland all payments that have been made adding up to {$670.00}. I want this information to be removed and deleted from my credit file ASAP. Thank you
|
| 06/07/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have tried to fix the situation with this company multiple times with preferred lease. I have already paid the debt in floating rate notes and the company is still trying to charge me. The company has already discharged the debt via 1099c. I have already contacting the 3 major consumer reporting agencies about this matter. I am now demanding Preferred Lease to properly remit 1099c so that I can properly file my taxes. I am demanding that preferred lease send me a copy of the 1099c b for the debtor documentation that preferred lease has already transferred over to the treasury. Also i am demanding that preferred Lease contact all 3 consumer reporting agencies and update the status of the consumer report to paid as agreed and remove all and any negative remarks on my consumer report due to the fact the debt was already paid for.
|
| 02/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I had set up to buy some furniture. I decided i did not need that anymore and to cancel my order. I was told it was cancel. XXXX XXXX went to pick up the stuff i called and cancel out. I feel she acted as me to get the things i cancel. If they check id. There wouldnt have been a problem but they gave the stuff to the wrong person. After i called and cancel. Someone on there end did not do the job right and reported it to the right people to get this remove for my order. I had called and complain. They allow someone else to use my information to get things from the store. After i cancel out my order. XXXX XXXX had called them and picked up the stuff. She did not have my permission or the store did not have my permission to give anything away i had cancel out. They fail to check id. I never wanted this account open anymore.
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| 03/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
I made a purchase of a king bed and mattress at XXXXXXXX XXXX and I use preferred lease as the financing company for the purchase. Now, XXXX gave me items that is broken and I tried over and over to talk with a representative from preferred lease to resolve the issues and every time they transfer me to a number that never answers. I made a XXXX review about XXXX XXXX in order to get the issue resolved, so they sent a service guy over my house three weeks ago to fix the bed but he never fixed it and he also showed up with no tools to fix the broken frames and railings.
Now, it supposed to be if a merchandise is defective that the leasing company will work with you. Instead they are keep writing me that my payoff is due on XX/XX/2021 but yet I can not reach anyone to talk with and see how they can help with this issue.
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| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Preferred Lease. Preferred Lease has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter to Preferred Lease. They received it certified mail and signed off on XX/XX/21 at XXXX. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
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| 06/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I received a new account warning from XXXX, XXXX XXXX XXXX
I logged in and noticed a new account that I did not sign up for, along with a new phone number that was not mine and a new address in South Carolina where I have never lived.
Preferred Lease # XXXX XXXX XXXX ) I tried contacting the company, but they requested that I e-mail all my personal information to them. I am not willing to do so, given the sketchy nature of the transaction so far, so they will not provide me with any additional information. Clearly this is not my account and filed using identity theft.
I put fraud alerts on all three credit bureaus and filed disputes.
XXXX deleted the account from my credit file XXXX said the company confirmed the loan and did not delete XXXX hasn't finished their filings.
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| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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On XX/XX/2022 the consumer sent XXXX XXXX a cease and desist pursuant 15USC1692c. Preferred lease has already been paid for the alleged debt. Plus extra monetary. The company replied to complaint # XXXX. Pursuant 15USC1692b The consumer never gave perferred lease written permission to communicate with the consumer or access the consumer report. The Consumer is still being harassed by email and text messages willfully regards to what the federal consumer law says. Preferred Lease is still invading the consumer privacy. Today a default and opportunity to cure was sent to the debt collection company certified mail with return receipt The company still has not responded under perjury and penalty. We hope this matter can come to a resolution soon.
Thank you,
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| 11/27/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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|
Web |
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Preferred Lease, a rent-to-own company located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is reporting a charge off on my credit report which I paid down initially. Once the account went into charge off status, I disputed its inaccuracy. Ive reached out to the company several times directly in order to solve this matter via phone and mail to no avail. I have to tried to make payments on it and set up payment plans to have it taken care of. After a while I was not able to get through to them. They repeatedly updated my account as charged off monthly, which is in violation of the FCRA and they denied me the opportunity to settle. I disputed this with XXXX to no avail. I would like this account immediately removed from my credit report.
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| 10/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2019, I did contact Merchant Preferred to terminate this agreement without penalty and was contacted and property picked up by their recovery team on XX/XX/2019.
Thereafter, On XX/XX/2019. Merchant Preferred then report to the credit bureau that I was 60 days behind in payments. Merchant Preferred reported that I owe them {$3300.00} and past due {$620.00} from the original purchase price being {$740.00}.
Merchant Preferred terminated this agreement at my request on XX/XX/XXXX. 2019 without any penalty and I no longer have possession of the merchandise as it was recovered XX/XX/2019 by representatives of the recovery team on behalf of Merchant Preferred.
|
| 11/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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I purchased furniture XX/XX/XXXX for {$1100.00}, and the retailer ( XXXX XXXX, XXXX, WA ) informed me that I could pay off the loan anytime for a {$25.00} penalty. Made payments per agreement for 3 months. Contacted XXXX XXXX to payoff and was informed that I had missed the 90 day payoff window and the amount due has now DOUBLED.
I have attempted to resolve with XXXX XXXX. I emailed them XX/XX/XXXX, called XX/XX/XXXX, called XXXX and was promised by XXXX XXXX that I'd have a return call from a supervisor within 48 hours ( never happened ), called XXXX six times, was transferred by to fax/modem screeching sound each time.
All I want to do is payoff the account.
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| 07/15/2022 |
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
- Problem with personal statement of dispute
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|
Web |
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Firstly, I was traumatically affected by the declared disaster Covid-19. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my infant. Ive called and spoke with the creditor several times. I am XXXX because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.
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| 04/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Company, Preferred Lease XXXX XXXX XXXXXXXX XXXX, Tx. XXXX, reported alleged debt over {$600.00} to all ( 3 ) major Credit Reporting Agencies XXXX XXXX, XXXX, XXXX ) as written off and neglected to send form 1099-C or proof of filing status for this current tax season and continues to report a late payment balance despite it's responsibility to the IRS. Preferred Lease continues to report this information to these agencies after being sent notice of violation ( XX/XX/2022 ). This adverse action against me has affected my general mode of living and has caused financial hardship to my Family and I. Please assist me and thank you for your attention in this matter.
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I am filing this complaint in reference to the below account. I have disputed this account on several occasions. Each time XXXX has failed to follow through. The account is reporting inaccurately. In addition, I also provided documentation to XXXX stating that the account could be deleted from my credit report as per the supporting documentation from the creditor. Please update my credit report immediately as this is affecting my ability to obtain credit. If you fail to act, I will be forced to pursue litigation. It is my goal to resolve this matter amicably.
I look forward to hearing from you.
Account Name : XXXX XXXX Account # : XXXX
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| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Recently I took a look at my XXXX XXXX credit report, and find Im charged for a loan from preferred lease, And I was like what the heck because In XXXX of last year XXXX I had applied for a personal loan for a laptop at XXXX through their provider, preferred leasing, however I never ended up signing a contract or picked any sort of lease to own plan nor left the store with any product that day, just wanted to see my pricing options so I had decided to buy a laptop on sale at XXXX instead and forgot All about it. look on my credit just a few days ago to find Im charged over XXXX XXXX dollars for something I never purchased.
|
| 04/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
ACCOUNT IS SHOWING LATE PAYMENT! THIS ACCOUNT HAS NEVER BEEN LATE AND WAS PAID IN FULL IN AS DESCRIBED IN AGREEMENT.
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 an account without my written instructions.
15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector of the express permission of a court of competent jurisdiction, a debt collector man not communicate with a consumer in connection with the collection of any debt.
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| 05/10/2021 |
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
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Web |
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I contacted Prefer lease concerning the issues onXX/XX/XXXX.To resolved the problem.I sent several disputes one threw the mail and one online.They are refusing to close the case and I paid them XX/XX/XXXX.Which I was told it would be close almost 6 months.There trying to get more money out of me XXXXEven thou we had agreement .I paid them XXXX on XX/XX/XXXX. Reference No.XXXXI feel they taking advantage of me during this Pandemic.I experience hardship doing theses time.I was out of work for almost a year.Please help me because I can't get any answers.My name is XXXX XXXX
|
| 09/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Merchants preferred lease took money from my bank account without my knowledge or consent. I have been trying to contact them regarding the payment that I made that is not on file in their records. I paid them {$300.00} but every time I check my mailbox there's a bill for that month but I already paid. When I call them I always get a fake email address every time I send an email to this address, an email comes back as " unable to send '' because it's not a real email address. Merchants preferred leasing is affiliated with XXXX XXXX XXXX and XXXX.
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account Shows Late/Charge off. This account was never late.
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 : States a consumer reporting agency can not furnish an account without my written instructions.
15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
|
| 03/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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|
I noticed a charge that was debited out of my bank from Preferred Lease in XXXX, TX. someone had purchased furniture TWICE in XXXX, IL. I put a stop payment on both charges and I also filed a dispute through XXXX I received notification from XXXX that the account " the account belongs to me ''. I live in XXXX, NC, where I've been ALL my life. I have tried to contact Preferred Lease numerous time and the information they provided was erroneous. I need this XXXX charge OFF of my credit report.
|
| 12/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I filed a dispute with XXXX for a company called Mechants Preferred LE. The address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am a victim of identity theft. Someone has been taking out a lease on something for {$7000.00}. The date it was opened was XXXX XXXX. I have already filed a police report and told the company and XXXX, but know one is doing anything. At this point if you all can't help I will have to file a police report. This is the second time someone leased something in my name.
|
| 02/12/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I work for this company. I am filing this complaint on behalf of the customers with Merchants Preferred and XXXX. These companies are violating several laws. Merchants Preferred is taking payments days early without letting the consumer know. And XXXX has customer calling about unlawful acts that their workers are doing to the consumer. I don't know who to contact to try to stop these unfair acts. What needs to be done so that these customers are treated fairly.
|
| 02/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
The Preferred Lease with account number XXXX appears to be a charge-off account with a specific balance of {$4400.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported in XXXX, XXXX and XXXX Bureaus. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
|
| 10/23/2023 |
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
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 10/16/2023 |
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
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 10/04/2023 |
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
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/19/2023 |
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
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/16/2023 |
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
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Date : XXXX Amount : {$4900.00} Preferred Lease made a fraudulent account under my name!
Action : I received a XXXX police report stating that my identity has been compromised!
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX has not removed the fraudulent account from Preferred Lease. All because Preferred Lease made a fraudulent account under my name!!
|
| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent debt validation letters to Preferred Lease twice as well as disputing the incorrectly reported information for a Lease for a mattress that was only {$900.00} that now says it is {$2500.00} plus what was already paid. Preferred Lease has not answered phone calls or emails, or replied to debt validation letters. I have received no contact and yet they continue to report the debt as valid to XXXX.
|
| 11/03/2021 |
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
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not really assured that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting incorrect information on PREFERRED LEASE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Date : XXXX Amount : {$4900.00} XXXX XXXX made a fraudulent account under my name!
Action : I received a XXXX police report stating that my identity has been compromised!
I also filed a identity theft report with FTC. I freeze all my credit bureau accounts. However, XXXX has not removed the fraudulent account from XXXX XXXX. All because XXXX XXXX made a fraudulent account under my name!!
|
| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a rental lease agreement with this company in which the agreement was misrepresented I was being forced into a new agreement in which the total amount due was twice as much as the original one I tried to work with company to pay down on what was owed but they wanted an unreasonable amount when furniture wasnt worth what they were asking for then they put my account into collections
|
| 11/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company is taking money out of my account. I don't have an account with them and they wont assist me with locating the account that is taking my money and they wont stop the payments, the dates and payment amounts are as follows : XX/XX/2019- {$49.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$100.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00} XX/XX/2019- {$71.00}
|
| 04/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I purchased furniture and used this company to finance. I went back and forth with the furniture store and the finance company because I received broken furniture and missing parts to a table I purchased. I was under the assumption this was fixed and now its showing up on my credit report. This isnt fair at all. Why would I pay for broken furniture or things that are missing parts?
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX date opened XX/XX/XXXX amount {$3300.00} I have no knowledge of this my identity was stolen and I've tried to call these people they hang up the phone very rude. XXXX XXXX {$2400.00} XX/XX/XXXX I have know idea also around the same time preferred lease {$1900.00} I've tried calling I get nowhere please please help me thank you so much
|
| 04/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XXXX XXXX XXXX, someone stole my identity to borrow {$3600.00} from Preferred Lease to help them pay for their rent. The account is XXXX. It has a {$3600.00} balance and it was closed in XX/XX/2021. Now, the account remains on my credit report as a negative impact on my credit score. I haven't gotten ahold of the fraud department.
|
| 03/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have reached out to this company numerous times about my identity theft as a result an account was open with this company that I did not authorize or have any knowledge of until recently but I disputed this with the company directly and they haven't taken it completely off of my credit profile yet it needs to be removed immediately
|
| 02/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2021 the agreement was signed with Preferred Lease on a purchase for a sofa that is 700 that i got approved for now Preferred lease has posted two credit balances on my report of {$1500.00} on XX/XX/2021 and a new {$1600.00} on XXXX XXXX, 2021 with out any notices that there would be any changes to my balances
|
| 11/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
|
| 07/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act Preferred Lease 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
|
| 04/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm filing this complaint against Preferred Lease for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof.
Thank you, XXXX XXXX
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
|
| 10/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2019 to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have several accounts on my credit report that do not belong to me. I have been fighting this for months.
These following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I called experian about the company Preffered Lease friday XX/XX/2023 to inquire about a account reported on my credit report that was considered to be under an auto claim for {$2800.00}. I reached out to XXXX and pretty much got nowhere and they could not really help me.
|
| 12/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company ( Preferred Lease ) never sent out form 1099c.
XX/XX/ written correspondence was sent to company with no response following. Violating the federal law regarding the discharging of debt. The company continues to harass me, effecting my general mode of living.
|
| 02/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I'm not swayed that XXXX, XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX, XXXX and XXXX XXXX are reporting inaccurate information on Preferred Lease with account number XXXX.
|
| 05/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 11/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
company XXXX XXXX I open an account XX/XX/2012 rental agreement amount {$5400.00} I paid account in full {$5400.00} the company XXXX XXXX never reported to the credit bureaus, I demand this account be updated as paid in full.
|
| 05/15/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Company : C/C Financial Corp. Merchants Preferred Lease-Purchase Services XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX This company charges 100 % interest!
|
| 07/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts appear on my report that I never opened or authorized. The accounts are : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX PREF LEASE XXXX XX/XX/XXXX
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A company is reporting twice ( for the same debt ) on my credit report. I tried disputing it ( both ) but theyre still in my credit report which is hurting me.
|
| 03/18/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 07/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone has used my identity to get 2 loans from XXXX as well as an apartment in my name that shows on my credit report that I've never did myself.
|
| 04/08/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Furniture was leased with XXXX XXXXXXXX, advised me that i now owe 3 times what the furniture initially costs, even though payments have been made.
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It a fraud I dont k ow this people never took anything from them or borrow anything from them I do t understand how this spear to my credit report
|
| 01/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
preferred lease fka mp for the amount of {$5000.00} XX/XX/XXXX acct # XXXX i don't have no recollection of this account it is identity theft
|
| 08/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My information was leaked in security breach and I have to be a victim of identity thief.
|
| 01/29/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/14/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 12/01/2023 |
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
|
|
Web |
|
|
|
| 11/30/2023 |
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
|
|
Web |
|
|
|
| 11/03/2023 |
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
|
|
Web |
|
|
|
| 10/31/2023 |
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
|
|
Web |
|
|
|
| 10/26/2023 |
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
|
|
Web |
|
|
|
| 10/24/2023 |
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
|
|
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
|
|
Web |
|
|
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/14/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/08/2022 |
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
|
|
Web |
|
|
|
| 12/08/2022 |
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
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/04/2022 |
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
|
|
Web |
|
|
|
| 04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/19/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/17/2021 |
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
|
|
Web |
|
|
|
| 09/15/2021 |
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
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
|
| 05/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 11/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/14/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 11/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/20/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
|
|
|
| 12/10/2019 |
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
|
|
Phone |
|
|
|
| 10/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/31/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Postal mail |
|
|
|
| 06/19/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|