Colony Brands, Inc. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/06/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • XXXXX
Web
NOTICE OF REJECTION OF SOLICITATION TO PAY FICTITIOUS OBLIGATION XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Dear XXXX XXXX XXXX, SEVENTH AVENUE used my open-end credit plan to establish the account/credit application and accepted my credits in their ledger on the accounts receivable side upon completion of my application for extension of credit. I have sent multiple notices and SEVENTH AVENUE HAVE BEEN RETURNING TO SENDER. I have made attempts to rectify the matter, though SEVENTH AVENUE have been rejecting my mail but keep sending me billing statements. Furthermore, a statement, bill or invoice is fraud and void upon its face see 39 usc 3005 and 39 usc 3001 d 2 a below. It is merely a solicitation of which I am under no obligation to pay. This notice is to formally inform the CFPB AND SEVENTH AVENUE of all violations of state and federal laws, this is the only way to get the attention of SEVENTH AVENUE. Listed below are the violation in connection with credit extended to XXXX XXXX VIOLATIONS ALL OF WHICH SEVETN AVENUE ARE CRIMINALLY LIABLE FOR INCLUDING CIVIL PENALTIES FOR DAMAGES AND INJURY *15 USC 1692 D HARASSMENT OR ABUSE *39 U.S. CODE 3005 - FALSE REPRESENTATIONS ; *18 U.S. CODE 892 - MAKING EXTORTIONATE EXTENSIONS OF CREDIT *18 U.S. CODE 893 - FINANCING EXTORTIONATE EXTENSIONS OF CREDIT *18 U.S. CODE 894 - COLLECTION OF EXTENSIONS OF CREDIT BY EXTORTIONATE MEANS *FALSE CLAIMS ACT 31 USC 3729 ( A ) LIABILITY FOR CERTAIN ACTS. *12 CFR PART 220 - CREDIT BY BROKERS AND DEALERS ( REGULATION T ) *12 CFR PART 1002 - EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) *12 CFR PART 1005 - ELECTRONIC FUND TRANSFERS ( REGULATION E ) *12 cfr 1026.13 Billing error resolution. *12 CFR 1026.11 - Treatment of credit balances *26 U.S. CODE 1286 - TAX TREATMENT OF STRIPPED BONDS *31 USC 3123 PAYMENT OF OBLIGATIONS AND INTEREST ON THE PUBLIC DEBT *39 U.S. Code 3001 - Nonmailable matter 39 U.S. Code 3001 - Nonmailable matter ( d ) Matter otherwise legally acceptable in the mails which ( A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. 39 U.S. Code 3005 - False representations ; lotteries ( a ) Upon evidence satisfactory to the Postal Service that any person is engaged in conducting a scheme or device for obtaining money or property through the mail by means of false representations, including the mailing of matter which is nonmailable under section 3001 ( d ), ( h ), ( i ), ( j ), or ( k ) of this title, or is engaged in conducting a lottery, gift enterprise, or scheme for the distribution of money or of real or personal property, by lottery, chance, or drawing of any kind, the Postal Service may issue an order which ( 1 ) directs the postmaster of the post office at which mail arrives, addressed to such a person or to his representative, to return such mail to the sender appropriately marked as in violation of this section, if the person, or his representative, is first notified and given reasonable opportunity to be present at the receiving post office to survey the mail before the postmaster returns the mail to the sender ; ( 2 ) forbids the payment by a postmaster to the person or his representative of any money order or postal note drawn to the order of either and provides for the return to the remitter of the sum named in the money order or postal note ; and ( 3 ) requires the person or his representative to cease and desist from engaging in any such scheme, device, lottery, or gift enterprise. For purposes of the preceding sentence, the mailing of matter which is nonmailable under such section 3001 ( d ), ( h ), ( i ), ( j ), or ( k ) by any person shall constitute prima facie evidence that such person is engaged in conducting a scheme or device for obtaining money or property through the mail by false representations. 9.0 Written, Printed, and Graphic Matter Generally 9.1 Solicitations in Guise of Bills, Invoices, or Statements of Account ( 39 USC 3001 ( D ) ; 39 USC 3005 ) 9.1.1 General Any otherwise mailable matter that reasonably could be considered a bill, invoice, or statement of account due, but is in fact a solicitation for an order, is nonmailable unless it conforms to 9.1.2 through 9.1.5. A nonconforming solicitation constitutes prima facie evidence of violation of 39 USC 3005. Compliance with this section does not avoid violation of Section 3005 if any part of the solicitation or any information with it misrepresents a material fact to the addressee ( e.g., misleading the addressee about the identity of the sender of the solicitation or about the nature or extent of the goods or services offered may be a violation of Section 3005 ). 9.1.2 Required Disclaimer The solicitation must bear on its face either the disclaimer required by 39 USC 3001 ( d ) ( 2 ) ( A ) or the notice : THIS IS NOT A BILL. THIS IS A SOLICITATION. YOU ARE UNDER NO OBLIGATION TO PAY THE AMOUNT STATED ABOVE UNLESS YOU ACCEPT THIS OFFER. The statutory disclaimer or the alternative notice must be displayed in conspicuous boldface capital letters of a color prominently contrasting with the background against which it appears, including all other print on the face of the solicitation and that are at least as large, bold, and conspicuous as any other print on the face of the solicitation, but not smaller than 30-point type ( see Exhibit 9.1.2 ). The notice or disclaimer required by this section must be displayed conspicuously apart from other print on the page immediately below each portion of the solicitation that reasonably could be construed to specify a monetary amount due and payable by the recipient. It must not be preceded, followed, or surrounded by words, symbols, or other matter that reduces its conspicuousness or that introduces, modifies, qualifies, or explains the required text, such as Legal Notice Required by Law. Exhibit 9.1.2 Solicitation Disclaimer 9.1.3 Intelligibility The notice or disclaimer must not, by folding or any other device, be made unintelligible or less prominent than any other information on the face of the solicitation. I reject you offer to solicit payment of fictious obligations, please refund all payments made by check or credit/debit card and zero out this account monthly going forward. Please be advised that closing/cancelling the account you are engaging in unconscionable attempt at extorting monies for extension of credit. 18 U.S. Code 892 - Making extortionate extensions of credit ( a ) Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, if it is shown that all of the following factors were present in connection with the extension of credit in question, there is prima facie evidence that the extension of credit was extortionate, but this subsection is nonexclusive and in no way limits the effect or applicability of subsection ( a ) : ( 1 ) The repayment of the extension of credit, or the performance of any promise given in consideration thereof, would be unenforceable, through civil judicial processes against the debtor ( A ) in the jurisdiction within which the debtor, if a natural person, resided 18 U.S. Code 893 - Financing extortionate extensions of credit Whoever willfully advances money or property, whether as a gift, as a loan, as an investment, pursuant to a partnership or profit-sharing agreement, or otherwise, to any person, with reasonable grounds to believe that it is the intention of that person to use the money or property so advanced directly or indirectly for the purpose of making extortionate extensions of credit, shall be fined under this title or an amount not exceeding twice the value of the money or property so advanced, whichever is greater, or shall be imprisoned not more than 20 years, or both. 18 U.S. Code 894- Collection of extensions of credit by extortionate means ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 31 usc 3123 Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. This is how I know that progressive cash in the payment coupons and also take cash payments from me. SEVENTH AVENUE has also violated the FALSE CLAIMS ACT 31 usc 3729 ( a ) Liability for Certain Acts. ( 1 ) In general.Subject to paragraph ( 2 ), any person who ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim ; ( C ) conspires to commit a violation of subparagraph ( A ), ( B ), ( D ), ( E ), ( F ), or ( G ) ; ( D ) has possession, custody, or control of property or money used, or to be used, by the Government and knowingly delivers, or causes to be delivered, less than all of that money or property ; ( G ) knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government, is liable to the United States Government for a civil penalty of not less than {$5000.00} and not more than {$10000.00}, as adjusted by the Federal Civil Penalties Inflation Adjustment Act of XXXX ( 28 U.S.C. 2461 note ; Public Law 104410 [ 1 ] ), plus 3 times the amount of damages which the Government sustains because of the act of that person *12 cfr 1002.2 ( a ) Account means an extension of credit ( 1 ) Definition. The term electronic fund transfer means any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer 's account. *12 crf 1005.2 1. Consumer asset account. The term consumer asset account includes : ii. A retail repurchase agreement ( repo ), which is a loan made to a financial institution by a consumer that is collateralized by government or government-insured securities. Remittance transfer - ( 1 ) General definition. A remittance transfer means the electronic transfer of funds requested by a sender to a designated recipient that is sent by a remittance transfer provider. ( i ) Financial institution means a bank, savings association, credit union, or any other person that directly or indirectly holds an account belonging to a consumer, or that issues an access device and agrees with a consumer to provide electronic fund transfer services, other than a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of XXXX, title X of the XXXX XXXX XXXX Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 1376. According to blacks law definition, coupon is a written contract for the payment of a definite sum of money on a given day and being drawn and executed in a form of and mode for the purpose, that they may be separate from the bonds and other instruments to which they are usually attached. *26 usc 1286 states ( 5 ) Coupon The term coupon includes any right to receive interest on a bond ( whether or not evidenced by a coupon ). *15 usc 78 m q 1 defines payment as ( C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission , consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ; *12 cfr 220.2 Credit balance means the cash amount due the customer in a margin account after debiting amounts transferred to the special memorandum account. Once there is a positive balance it must be refunded to the consumer, how can one pay into a positive account? Creditor means any broker or dealer ( as defined in sections 3 ( a ) ( 4 ) and 3 ( a ) ( 5 ) of the Act ), any member of a national securities exchange, or any person associated with a broker or dealer ( as defined in section 3 ( a ) ( 18 ) of the Act ) 12 CFR 1026.11 - Treatment of credit balances ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. 12 cfr 1026.13 ( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8. ( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( c ) Time for resolution ; general procedures. ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. I XXXX XXXX hereby, reject your offer to solicitation for payment of fictious obligations and I do not wish to receive monthly bills from SEVENTH AVENUE. Please zero out this account monthly going forward. Please be advised that closing/cancelling the account SEVENTH AVENUE is engaging in unconscionable attempt at extorting monies for extension of credit see 18 usc 894 above. You have ten days from the date of this notice to comply, otherwise SEVENTH AVENUE will be in agreement to this notice and i will begin the process of civil remedy for serious mental, financial damages and refer to the appropriate law enforcement agencies and file a criminal complaint. Warm regards, XXXX XXXX All natural unalienable rights reserved
04/17/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20735
Web
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX RE : GINNY 'S # XXXX Dear Consumer Financial Protection Bureau Representative : Between XXXX and XXXX, I made several attempts to dispute and to resolve multiple errors against in my credit files with XXXX, XXXX and XXXX. On each occasion, GINNY 'S, INC # XXXX declined to change obvious errors within my XXXX, XXXX and XXXX credit reports. On XX/XX/XXXX, I wrote a " Notice of Direct Dispute '' letter, under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), directly to creditor, Ginny 's INC, that requested a review all of relevant information and a reasonable investigation into multiple inaccurate errors between the three ( 3 ) different bureaus ( XXXX, XXXX and XXXX ). Identification of the specific information beingdisputed : XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ) ; XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ) ; and XXXX ( Report # XXXX for XX/XX/XXXX ) reporting for GINNY 'S Account Number:XXXX Basis for thedispute was merely about inaccurate and deliberate errors caused by GINNY 'S , INC, between three ( 3 ) different credit bureaus against the same GINNY 'S account # XXXX. 1 ) On XXXX, DATE OPENED XX/XX/XXXX, DATE OF 1st DELINQUENCY XX/XX/XXXX, HIGH CREDIT is left blank, CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY, CHARGE OFF AMOUNT is left blank, DATE CLOSED XX/XX/XXXX, CONSUMER DISPUTES THIS ACCOUNT INFORMATION and PAYMENT HISTORY is incomplete but ; However, 2 ) On XXXX, the DATE OPENED is XX/XX/XXXX, LAST PAYMEMT MADE is XX/XX/XXXX, DATE CLOSED is XX/XX/XXXX, TERMS is Paid Monthly, ORIGINAL CHARGE-OFF {$60.00}, HIGH BALANCE {$290.00}, PAYMENT HISTORY is complete, CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY and REMARKS : ACCT INFO DISPUTED BY CONSUMER but ; However, 3 ) On XXXX, DATE OPENED XX/XX/XXXX, HIGH BALANCE is {$290.00}, PAYMENT HISTORY is very limited with detail, DATE CLOSED left blank, PAID STATUS left blank, COMMENT : LEFT BLANK and CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY The specific information that was requested and the basis for the dispute differ between the three ( 3 ) bureau reports for XXXX, XXXX and XXXX, which also included : Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 1 ) " Re-Aging '' the " month and date '' of the " 1st Date of DELINQUENCY '' between XXXX, XXXX and XXXX credit bureau reports. GINNY 'S has caused this older account to look more recent which has absolutely ruined my credit score. Evidence : According to XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ), confirmed that GINNY 'S verified the " 1st Date of DELINQUENCY '' ( XX/XX/XXXX ) plus 7 years is equivalent to ( XX/XX/XXXX ) as accurate, according to XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ), confirmed that GINNY 'S verified the Estimated mouth and year that this item be removed : XX/XX/XXXX as accurate and according to XXXX ( Report # XXXX for XX/XX/XXXX ), confirmed that GINNY 'S did not verify " the month and date, this account is scheduled to go a positive status ''. How can there such a discrepancy if GINNY 'S INC, according to each credit bureau, verified the same information against the same GINNY 'S account? On Feburary XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I wrote a dispute letter that challenged XXXX ( see US Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX and US Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ) , XXXX and XXXX ( see US Postal Service Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX and US Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ) to inaccurate, misleading and incomplete information that were listed against GINNY 'S, INC # XXXX. Identification of the specific information beingdisputed : XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ) ; XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ) ; and XXXX ( Report # XXXX for XX/XX/XXXX ) reporting for GINNY 'S Account Number:XXXX Again, the basis for thedispute was merely about inaccurate and deliberate errors caused by GINNY 'S , INC, between three ( 3 ) different credit bureaus against the same GINNY 'S account # XXXX are identical by method : 1 ) On XXXX, DATE OPENED XX/XX/XXXX, DATE OF 1st DELINQUENCY XX/XX/XXXX, HIGH CREDIT is left blank, CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY, CHARGE OFF AMOUNT is left blank, DATE CLOSED XX/XX/XXXX, CONSUMER DISPUTES THIS ACCOUNT INFORMATION and No PAYMENT HISTORY is available but ; However, 2 ) On XXXX, the DATE OPENED is XX/XX/XXXX, LAST PAYMEMT MADE is XX/XX/XXXX, DATE CLOSED is XX/XX/XXXX, TERMS is Paid Monthly, ORIGINAL CHARGE-OFF {$60.00}, HIGH BALANCE {$290.00}, No PAYMENT HISTORY, CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY and REMARKS : ACCT INFO DISPUTED BY CONSUMER but ; However, 3 ) On XXXX, DATE OPENED XX/XX/XXXX, HIGH BALANCE is {$290.00}, PAYMENT HISTORY is very limited with detail, DATE CLOSED left blank, PAID STATUS left blank, COMMENT : LEFT BLANK and CLOSED AS A CHARGE-OFF WITHOUT A LAST DATE OF LAST ACTIVITY The specific information that was requested and the basis for the dispute differ between the three ( 3 ) bureau reports for XXXX, XXXX and XXXX, which also included : Section 623 ( 5 ) ( A ) says : " In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' 1 ) " Re-Aging '' the " month and date '' of the " 1st Date of DELINQUENCY '' between XXXX, XXXX and XXXX credit bureau reports. GINNY 'S has caused this older account to look more recent which has absolutely ruined my credit score. Evidence : According to XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ), confirmed that GINNY 'S verified the " 1st Date of DELINQUENCY '' ( XX/XX/XXXX ) plus 7 years is equivalent to ( XX/XX/XXXX ) as accurate, according to XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ), confirmed that GINNY 'S verified the Estimated mouth and year that this item be removed : XX/XX/XXXX as accurate and according to XXXX ( Report # XXXX for XX/XX/XXXX ), confirmed that GINNY 'S did not verify " the month and date, this account is scheduled to go a positive status ''. How can there such a discrepancy if GINNY 'S INC, according to each credit bureau, verified the same information against the same GINNY 'S account? Note : All three ( 3 ) Credit Bureau 's confirmed they verified all " disputed information '' through contact made directly to GINNY 'S, INC. Based on the gathered between XXXX ( Credit File : XX/XX/XXXX/Confirmation # XXXX ) ; XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ) ; and XXXX ( Report # XXXX for XX/XX/XXXX ) reporting for GINNY 'S Account Number:XXXX and XXXX ( Credit File : XX/XX/XXXX, XXXX/Confirmation # XXXX ) ; XXXX ( File Number : XXXX/Date Issued : XX/XX/XXXX ) ; and XXXX ( Report XXXX XXXX for XX/XX/XXXX ) reporting for GINNY 'S Account Number:XXXX, Ginny 's personal has made XXXX no attempt '' to " change '' any dispute information with regards to GINNY 'S Account Number # XXXX. Instead, it should be noted that, GINNY 'S has continued it's non-compliance of the Fair Credit Reporting Act ( FCRA ) by failing to do the following : 1 ) According to the Notice of Direct Dispute under the provisions of FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4-GINNY 'S failed to investigate the discrepancies between the XXXX, XXXX and XXXX credit bureau reports and submit the results within 30 days for GINNY 'S # XXXX. and GINNY 'S has also failed to : ( A ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumerreportingagencyif thepersonknows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errorsApersonshall not furnish information relating to aconsumerto anyconsumerreportingagencyif ( i ) thepersonhas been notified by theconsumer, at the address specified by thepersonfor such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement Apersonwho clearly and conspicuously specifies to theconsumeran address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require apersonto specify such an address. ( 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 theconsumer, that would cause a reasonablepersonto have substantial doubts about the accuracy of the information. ( 8 ) Ability of consumer to dispute information directly with furnisher ( A ) In general TheBureau, in consultation with the Federal Trade Commission, the Federal banking agencies, and the XXXX XXXX XXXX XXXX, shall prescribe regulations that shall identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in aconsumerreport on theconsumer, based on a direct request of aconsumer. ( B ) ConsiderationsIn prescribing regulations under subparagraph ( A ), the agencies shall weigh ( i ) the benefits toconsumerswith the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity ofconsumerreports of any such requirements ; ( iii ) whether direct contact by theconsumerwith the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on thecreditreporting process ifcredit repair organizations, as defined insection 1679a ( 3 ) of this title, including entities that would be a credit repair organization, but forsection 1679a ( 3 ) ( B ) ( i ) of this title, are able to circumvent the prohibition in subparagraph ( G ). ( C ) Applicability Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ). ( D ) Submitting a notice of disputeAconsumerwho seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute ; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute. ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from aconsumerpursuant to subparagraph ( D ), the person that provided the information in dispute to aconsumerreporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by theconsumerwith the notice ; ( iii ) complete suchpersons investigation of the dispute and report the results of the investigation to theconsumerbefore the expiration of the period undersection 1681i ( a ) ( 1 ) of this titlewithin which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify eachconsumerreporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. The following dispute letters and evidence items are enclosed : 1 ) ONE NOTICE OF DISPUTE LETTER DATED XX/XX/XXXX 3 ) XXXX ( Credit File : XX/XX/XXXX, XXXX/Confirmation # XXXX ) 4 ) XXXX ( File Number : XXXX Issued : XX/XX/XXXX ) 5 ) XXXX ( Report # XXXX for XX/XX/XXXX ) 6 ) One XXXX Dispute Letter ( dated XX/XX/XXXX ) 7 ) XXXX REPORT ( XX/XX/XXXX/Confirmation # XXXX ) 8 ) XXXX US Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX and US Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ) 9 ) One XXXX Dispute Letter ( dated XX/XX/XXXX ) 10 ) XXXX REPORT ( FILE NUMBER # XXXX DATE ISSUED : XX/XX/XXXX ) 11 ) One XXXX DISPUTE LETTER ( dated XX/XX/XXXX ) 12 ) XXXX REPORT ( REPORT # XXXX FOR XX/XX/XXXX ) 13 ) XXXX US Postal Service Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX and US Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ) 14 ) Multiple U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ; U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX ; U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ; U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ; U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX XXXX ; and U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX and U.S. Postal Service Certified Mail Return Receipt # XXXX XXXX XXXX XXXX used to dispute credit bureaus errors with Ginnys. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX
06/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • XXXXX
Web
On XX/XX/XXXX, I sent an email to ask Wards and Monroe and Main to report my full credit history since opening both cards in XXXX bc it will help me as I rebuild my credit. Between the 2 store revolving charge cards, Ive made 5 purchases and paid them in full over several payments. I am just asking that be reported as well as my credit line increase from {$750.00} to {$850.00} on my Monroe and Main revolving store charge card. In the past, Wards and XXXX both reported to the credit bureaus on the XXXX and the XXXX. Since the full payment history wasnt reported as requested, after I spoke to their credit department, sent an email to their credit department and disputed through the credit bureau process, I am now contacting CFPB to intervene on my behalf. I am still asking that my complete credit history with the companies be reported as well as my credit line increase for my revolving store charge cards. https : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 As you can see from the companies FAQs online page : both Wards and XXXX advertise that they report complete payment history for their store branded revolving charge cards and one way they offer credit is by sending out catalogues with pre-approved limits to potential customers, which is how I came to find out about each store. When I considered opening these charge cards, I called their customer service to find out more. I knew that after the cards were open 90 days and had a balance, they would start reporting to the credit bureaus and they would report complete credit history of their store branded revolving credit cards. I was also told in a conversation with customer service they would stay open if they were in good standing for a year and then possibly close due to inactivity if no purchases were made. Their FAQs advertise how they can help build credit history. I decided to open these cards and order products and rebuild my credit with positive payment history due to these reasons. I have made 5 purchases and paid each off. In between purchases my accounts were not closed. The credit was available to be used for new purchases without reapplying. They are open revolving charge cards. They are open today. ( I mention all this bc as I will explain XXXX, not only moved my revolving charge cards to other loans, which they are not by their own companies website, they also marked them closed ) ALL I AM ASKING FOR IS : my COMPLETE PAYMENT HISTORY be reported for my Wards and XXXX cards. From XXXX to XXXX. The companies report payment totals from the XXXX and last of the month. report my CREDIT LINE INCREASE on my XXXX card from {$750.00} to {$850.00} which has been active for a few billing cycles. This helps rebuild credit score as well. I should not be denied the benefit of the credit line increase I earned from good payment history. my REVOLVING STORE CHARGE CARDS return to that section of my credit reports where they belong ( because thats what they are and it is also stated on both WARDS and XXXX websites ) it is also where they were since the cards first started reporting on my credit reports and were for many updates over months. They were only placed in a different category, which isnt reflective of they type of credit they are after I requested a COMPLETE PAYMENT HISTORY. They seem persecutory and retaliatory for requesting a complete payment history and UPDATED CREDIT LINE INCREASE. I dont think I should be punished for merely asking for what the company advertises because it will help me as I rebuild credit. Their so not right. I have been a good customer, who made 5 purchases and paid off each of those purchases on my OPEN REVOLVING STORE CHARGE CARDS over 1-2 months as required. All payments made on time. More than the minimum paid. XXXX to mark my Wards and XXXX revolving store cards as OPEN XXXX, XXXX and XXXX to return my REVOVLING STORE CHARGE CARDS to the section of my credit reports they were 1st listed, the proper one, that describes they credit product they are. Where the rest of Wards and XXXX customers have their cards reported It shouldnt be this hard to request a complete payment history or updated credit line increase. If I could send you the total of payments I made for each card I would but the statements in my online store accounts are not hyperlinked and never have been, except for the last statement when there is still an amount owing. That is all I have asked for. For Wards and XXXX to send the COMPLETE PAYMENT HISTORY, total of payments made on each card : ( and CL increase on MM ) TOTAL PAYMENTS MADE ON WARDS AND XXXX CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, if I could just tell you the totals from looking at my statement I would, if that made it easier. These are the purchases I have made at each online store : The are generally due after 30 days after purchased. Wards has a minimum of {$10.00} per month, XXXX {$20.00} per month. After each payment my revolving store charge card remained open to make new purchases and they are open now. They have reported on the XXXX and XXXX in the past. I dont care if the companies dont report on month where there are no purchases. I just want credit for all the purchases and payment I made because unless I am incorrect, that is my right and is fair credit practices. WARDS Order History : ( after each order my account remains open, is open today ) Minimum payment of {$10.00} per month, 30 days or more after purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 MONROE and MAIN Order History : ( after each order my account remains open, is open today ) Minimum payment of {$20.00} per month, 30 days or more after purchase depending on date of purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 RESOLUTION : WARDS and MONROE And MAIN report my complete credit history ( as they advertise they do ) to the 3 main credit bureaus XXXX, XXXX, XXXX update to reflect my complete payment history from XXXX - XXXX the 3 credit bureaus all update my XXXX card to reflect my credit line increase from {$750.00} to {$850.00}. I made a minimum of one purchase after the increase but I believe it was 2 purchases after my credit line increase so it shouldve been already reported. XXXX to mark my cards as OPEN which they are XXXX, XXXX AND XXXX to make sure my WARDS and MONROE and MAIN REVOLVING STORE CHARGE CARDS are reported under the correct category, along with other revolving open loop credit cards and closed loop revolving store charge cards. It is BIZARRE that they were moved to other loans and/or marked closed and it seems like a retaliation for requesting a accurate reporting of COMPLETE CREDIT HISTORY and possible because I said I opened these cards to help improve and keep my credit utilization % under 30 which 100s of 1000s of article on credit building recommend. It is when I carefully chose to become a new Wards and MONROE and Main customer. I knew they cards remain open, would not be closed until there had been inactivity. There has been no inactivity. I knew they would improve credit utilization %. I dont think there is anything wrong with saying thats why I opened them and thats how they benefitted me. I benefitted them by making purchases and paying on time and with a little interest. I should not be punished by having my accounts which reported for several updated reports over months under the correct category of revolving store charge/credit cards moved to other loans as a punishment bc it is less beneficial to my credit rebuilding. My WARDS and MONROE and MAIN should be reported the same way all the rest of their customers have their cards reported, like they were for months. https : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 Does Montgomery Ward report to credit bureaus? Wards reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and ==> the complete payment history. <== Does Monroe & Main report to credit bureaus? Monroe & Main reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and the ==> complete payment history. <== On-time payments to your Monroe & Main Credit account are an effective way to build a strong credit report and improve your credit score. How does Montgomery Ward Credit work? In many ways, Wards Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly. Wards Credit is open-ended, meaning that you do not have a fixed number of payments, like a car loan or mortgage. How does Monroe & Main Credit work? In many ways, Monroe & Main Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly. How do I apply for Montgomery Ward Credit? Wards offers credit to thousands of people each year. Most credit accounts are opened in response to a ==> pre-approved credit offer that was included in a catalog <== ( how I became a customer ) or offered online. To CFPB : It should not be this difficult to ask a company to update my report with a complete payment history. It should not result in having a revolving store charge card moved to a less beneficial category which is inaccurate as a punishment for simply requesting information that is accurate that can benefit a consumers credit report. It should not be this difficult to request an accurate reporting of a credit line increase. A request for a complete payment history should not result in having accounts that are open marked as closed. This should all be corrected ASAP bc its hurting my ability to apply for credit and causing me so much grief and taking so much time. It was a simple request. It should have been a simple solution. I will include a number of screen shots and documents but I can send more such as the dates of all reports that showed my Wards and XXXX cards reported in the correct Revolving / STORE CHARGE / CREDIT CARD categories where they belong if necessary Both cards are open today, I could use my WARDS {$480.00} limit and MONROE and MAIN {$850.00} to make purchases from their store if I chose to right now. They are not closed and have never been in between purchases.
06/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • XXXXX
Web
On XX/XX/XXXX, I sent an email to ask Wards and Monroe and Main to report my full credit history since opening both cards in XXXX bc it will help me as I rebuild my credit. Between the 2 store revolving charge cards, Ive made 5 purchases and paid them in full over several payments. I am just asking that be reported as well as my credit line increase from {$750.00} to {$850.00} on my Monroe and Main revolving store charge card. In the past, Wards and XXXX both reported to the credit bureaus on the XXXX and the XXXX. Since the full payment history wasnt reported as requested, after I spoke to their credit department, sent an email to their credit department and disputed through the credit bureau process, I am now contacting CFPB to intervene on my behalf. I am still asking that my complete credit history with the companies be reported as well as my credit line increase for my revolving store charge cards. https : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 As you can see from the companies FAQs online page : both Wards and XXXX advertise that they report complete payment history for their store branded revolving charge cards and one way they offer credit is by sending out catalogues with pre-approved limits to potential customers, which is how I came to find out about each store. When I considered opening these charge cards, I called their customer service to find out more. I knew that after the cards were open 90 days and had a balance, they would start reporting to the credit bureaus and they would report complete credit history of their store branded revolving credit cards. I was also told in a conversation with customer service they would stay open if they were in good standing for a year and then possibly close due to inactivity if no purchases were made. Their FAQs advertise how they can help build credit history. I decided to open these cards and order products and rebuild my credit with positive payment history due to these reasons. I have made 5 purchases and paid each off. In between purchases my accounts were not closed. The credit was available to be used for new purchases without reapplying. They are open revolving charge cards. They are open today. ( I mention all this bc as I will explain XXXX, not only moved my revolving charge cards to other loans, which they are not by their own companies website, they also marked them closed ) ALL I AM ASKING FOR IS : my COMPLETE PAYMENT HISTORY be reported for my Wards and XXXX cards. From XXXX to XXXX. The companies report payment totals from the XXXX and last of the month. report my CREDIT LINE INCREASE on my XXXX card from {$750.00} to {$850.00} which has been active for a few billing cycles. This helps rebuild credit score as well. I should not be denied the benefit of the credit line increase I earned from good payment history. my REVOLVING STORE CHARGE CARDS return to that section of my credit reports where they belong ( because thats what they are and it is also stated on both WARDS and XXXX websites ) it is also where they were since the cards first started reporting on my credit reports and were for many updates over months. They were only placed in a different category, which isnt reflective of they type of credit they are after I requested a COMPLETE PAYMENT HISTORY. They seem persecutory and retaliatory for requesting a complete payment history and UPDATED CREDIT LINE INCREASE. I dont think I should be punished for merely asking for what the company advertises because it will help me as I rebuild credit. Their so not right. I have been a good customer, who made 5 purchases and paid off each of those purchases on my OPEN REVOLVING STORE CHARGE CARDS over 1-2 months as required. All payments made on time. More than the minimum paid. XXXX to mark my Wards and XXXX revolving store cards as OPEN XXXX, XXXX and XXXX to return my REVOVLING STORE CHARGE CARDS to the section of my credit reports they were 1st listed, the proper one, that describes they credit product they are. Where the rest of Wards and XXXX customers have their cards reported It shouldnt be this hard to request a complete payment history or updated credit line increase. If I could send you the total of payments I made for each card I would but the statements in my online store accounts are not hyperlinked and never have been, except for the last statement when there is still an amount owing. That is all I have asked for. For Wards and XXXX to send the COMPLETE PAYMENT HISTORY, total of payments made on each card : ( and CL increase on XXXX ) TOTAL PAYMENTS MADE ON WARDS AND XXXX CARDS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Again, if I could just tell you the totals from looking at my statement I would, if that made it easier. These are the purchases I have made at each online store : The are generally due after 30 days after purchased. Wards has a minimum of {$10.00} per month, XXXX {$20.00} per month. After each payment my revolving store charge card remained open to make new purchases and they are open now. They have reported on the XXXX and XXXX in the past. I dont care if the companies dont report on month where there are no purchases. I just want credit for all the purchases and payment I made because unless I am incorrect, that is my right and is fair credit practices. WARDS Order History : ( after each order my account remains open, is open today ) Minimum payment of {$10.00} per month, 30 days or more after purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 MONROE and MAIN Order History : ( after each order my account remains open, is open today ) Minimum payment of {$20.00} per month, 30 days or more after purchase depending on date of purchase XX/XX/2022 XX/XX/2022 XX/XX/2022 RESOLUTION : WARDS and MONROE And MAIN report my complete credit history ( as they advertise they do ) to the 3 main credit bureaus XXXX, XXXX, XXXX update to reflect my complete payment history from XXXX - XXXX the 3 credit bureaus all update my XXXX card to reflect my credit line increase from {$750.00} to {$850.00}. I made a minimum of one purchase after the increase but I believe it was 2 purchases after my credit line increase so it shouldve been already reported. XXXX to mark my cards as OPEN which they are XXXX, XXXX AND XXXX to make sure my WARDS and MONROE and MAIN REVOLVING STORE CHARGE CARDS are reported under the correct category, along with other revolving open loop credit cards and closed loop revolving store charge cards. It is BIZARRE that they were moved to other loans and/or marked closed and it seems like a retaliation for requesting a accurate reporting of COMPLETE CREDIT HISTORY and possible because I said I opened these cards to help improve and keep my credit utilization % under 30 which 100s of 1000s of article on credit building recommend. It is when I carefully chose to become a new Wards and MONROE and Main customer. I knew they cards remain open, would not be closed until there had been inactivity. There has been no inactivity. I knew they would improve credit utilization %. I dont think there is anything wrong with saying thats why I opened them and thats how they benefitted me. I benefitted them by making purchases and paying on time and with a little interest. I should not be punished by having my accounts which reported for several updated reports over months under the correct category of revolving store charge/credit cards moved to other loans as a punishment bc it is less beneficial to my credit rebuilding. My WARDS and MONROE and MAIN should be reported the same way all the rest of their customers have their cards reported, like they were for months. https : //www.wards.com/cm/frequently-asked-questions-faq.html # q1 https : //www.monroeandmain.com/cm/frequently-asked-questions-faq.html # q1 Does Montgomery Ward report to credit bureaus? Wards reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and ==> the complete payment history. <== Does Monroe & Main report to credit bureaus? Monroe & Main reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and the ==> complete payment history. <== On-time payments to your Monroe & Main Credit account are an effective way to build a strong credit report and improve your credit score. How does Montgomery Ward Credit work? In many ways, Wards Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly. Wards Credit is open-ended, meaning that you do not have a fixed number of payments, like a car loan or mortgage. How does Monroe & Main Credit work? In many ways, Monroe & Main Credit works in the exact same way as any ==> store-branded credit card <==, however there are a few notable differences that make our plan more customer friendly. How do I apply for Montgomery Ward Credit? Wards offers credit to thousands of people each year. Most credit accounts are opened in response to a ==> pre-approved credit offer that was included in a catalog <== ( how I became a customer ) or offered online. To CFPB : It should not be this difficult to ask a company to update my report with a complete payment history. It should not result in having a revolving store charge card moved to a less beneficial category which is inaccurate as a punishment for simply requesting information that is accurate that can benefit a consumers credit report. It should not be this difficult to request an accurate reporting of a credit line increase. A request for a complete payment history should not result in having accounts that are open marked as closed. This should all be corrected ASAP bc its hurting my ability to apply for credit and causing me so much grief and taking so much time. It was a simple request. It should have been a simple solution. I will include a number of screen shots and documents but I can send more such as the dates of all reports that showed my Wards and XXXX cards reported in the correct Revolving / STORE CHARGE / CREDIT CARD categories where they belong if necessary Both cards are open today, I could use my WARDS {$480.00} limit and MONROE and MAIN {$850.00} to make purchases from their store if I chose to right now. They are not closed and have never been in between purchases.
09/24/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NC
  • 28027
Web
CLAIM : This correspondence, administrative process serves as Notice of Service to XXXX XXXX, ( hereafterXXXX XXXX ), and Notice of Intent to resolve this matter in a court of competent jurisdiction pursuant to 15 U.S. Code 1692 ( k ) if actions acceptable to the consumer, pursuant to law, do not occur within the allotted time. I XXXX XXXX, is a natural person, consumer pursuant to 15 U.S. Code 1692 ( a ) ( 3 ), and creditor pursuant to 15 U.S. Code 1692 ( a ) ( 4 ). I XXXX XXXX is administrator for this account pursuant to 15 U.S. Code 1692 ( c ) ( d ). XXXX XXXX violates 15 U.S. Code 1692 ( c ) ( a ) since prior consent has not been given by the consumer directly to the debt collector nor has the express permission of a court of competent jurisdiction been granted. Therefore all actions of " XXXX XXXX '' are consistent with the actions of a debt collector. XXXX XXXX, may not communicate with a consumer in connection with the collection of any debt. Pursuant to 15 U.S. Code 1692 ( c ) ( c ) this is a communication to legally refuse to pay the " alleged debt '' ( obligation ) to XXXX XXXX for account number as directed by creditor / consumer XXXX XXXX, pursuant to 15 U.S. Code 1692 ( c ) ( d ). XXXX XXXX did not give full disclosure of their intentions with my social security number, properly autographed/ endorsed documents, nor to me being a co-signer pursuant to federal law 16 CFR 444.1 ( k ). XXXX XXXX did not disclose that there would be an alleged debt pursuant to the emergency banking act [ XXXX XXXXXXXX XXXX XXXX ]. XXXX XXXX agents instructed that I sign as borrower, which is a direct violation of the FDCPA ( Fair Debt Collection Practices Act ), forcing a " consumer '' into an illegal contract. Which included installment payments which is illegal because interest secures all debt obligations in the UCC ( Uniform Commercial Code ). I made the accommodation ( initial extension ) of credit in full consideration / satisfaction for the service obligations to XXXX XXXX by my signature / autograph transmitted to XXXX XXXX pursuant to UCC 3-419. The actions of XXXX XXXX have been and continue to be false and misleading representation pursuant to 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) and 15 U.S. Code 1692 ( e ) ( 2 ) ( B ). On XXXX XXXX XXXX the year of our XXXX, XXXX XXXX XXXX XXXX an agent ( representative ) of " XXXX XXXX '' from XXXX XXXX, acted as a debt collector pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) and 15 U.S. Code 1692 ( d ) ( 6 ). This debt collector threatened to terminate services for the consumer XXXX XXXX XXXX account number : XXXX if the alleged debt ( obligation ), 15 U.S. Code 1692 ( a ) ( 5 ), was not paid in full by XXXX XXXX XXXX the year of our XXXX, XXXX XXXX XXXX XXXX. The services of the consumer are currently suspended for non-payment. The consumer has presented correspondence to two separately provided addresses, given by XXXX XXXX. However, the services remain suspended, and XXXX XXXX has not returned either endorsed negotiable instrument. These debt collection actions have caused mental and financial distress, stress / hardship which violates 15 U.S. Code 1692 ( d ) and the unfair practices violate 15 U.S. Code 1692 ( f ). XXXX XXXX actions are also in violation of TILA ( Truth In Lending Act ), whereby they did not disclose to this consumer the right to rescind within 72 hours. There is a rescission clause in every contract. given to you with my credit card defined in [ 15 US Code 1602 ( L ) ] and it reads The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave you my social security number on a credit application, which is a negotiable instrument, properly endorsed, and you have not released the credit due me. Pursuant to 15 U.S. Code 1692 ( g ), XXXX XXXX is challenging your payoff demands, and the validity and accuracy of asserted debts. Pursuant to 15 U.S. Code 1692 the consumer expresses the following : you are to cease and desist all communication to obtain this alleged debt 15 U.S. Code 1692 ( c ) ( c ) ; you are to terminate all alleged debt ( obligation ) collection efforts 15 U.S. Code 1692 ( c ) ( c ) ; all credits and forms of legal and lawful tender submitted personally by the consumer, since signing/autographing the initial agreement are to be returned immediately to the consumer in good faith c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC [ XXXX ]. The consumer grants XXXX XXXX fourteen days to complete the instructions contained herein. Pursuant to 15 U.S. Code 1692 ( c ) ( c ) ( 2 ) and 15 U.S. Code 1692 ( c ) ( c ) ( 3 ) the creditor invokes the following specified remedies which will be executed if instructions are not acted upon : {$500000.00} in accordance with 15 USC 1692 ( k ) Release the surety and the debt ; discharge the alleged debt and bring the account to zero the right of subrogation satisfaction and consideration for the severe mental, physical, financial stress / hardship satisfaction and consideration for financial loss times 7 ( in accordance with proverbs 6:31 KJV ) the rights and benefits of the creditor against all persons who were liable for the debt satisfaction and consideration of {>= $1,000,000} in accordance with 15 U.S. Code 78ff ( a ) as the fine for violation of THIRTY-NINTH CONG . SESS. II CH. 187, 188. 1867, page 546, XX/XX/1867 CHAP. CLXXXVIL ; Fair Debt Collection Practices Act ; Emergency Banking Act of 1933, and 18 USC 1589 ( d ) FAIR RESOLUTION : XXXX XXXX, agents, associates and/or employees violated 15 USC 1692 ( False or Misleading Representations in Communications ; Unfair Practices ; Harassment or Abuse ) and THIRTY-NINTH CONG. SESS. II CH. 187, 188. 1867, page 546, XX/XX/1867 CHAP. CLXXXVIL. In accordance with 15 U.S. Code 78ff ( a ) Penalties Fair resolution consists of : Release the surety and the debt ; discharge the alleged debt and bring the account to zero the right of subrogation consideration for the severe mental, physical, financial stress / hardship and loss of employment satisfactory consideration for the value of any property, or the property itself times seven ( in accordance with proverbs XXXX KJV ). All the rights and benefits of the " creditor '', " consumer '', relinquished to the " creditor '', " consumer '' from all persons, natural and Ens Legis, who were participants in the violation of " creditor '' " consumer '' rights pursuant to The Truth in Lending Act, Fair Debt Collection Practices Act, 15 U.S. Code 1692 and all other applicable Federal and International violations. for the debt {>= $1,000,000} in accordance with 15 U.S. Code 78ff ( a )
11/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 24540
Web
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. GINNY 'S INC bal. {$49.00} 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
11/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77407
Web
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 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 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 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 ( XXXX ), 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. XXXX. XXXX XXXX XXXX {$0.00} 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 XXXX. 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
11/09/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OK
  • 741XX
Web
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 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 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 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. XXXX. XXXX bal. {$43.00} 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
10/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43015
Web
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. GINNY 'S XXXX bal. {$190.00} 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
09/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43026
Web
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. XXXX XXXX bal. {$450.00} 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
10/23/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • NC
  • 27455
Web
I contacted Seventh Ave on XX/XX/XXXX when I was made aware that a fraudulent account with account number being XXXX was opened with their company using my information I explained to them that I did not open this account I did not give my permission for this account to be opened and would like for this account to be closed until an investigation could be done and completed. I was told that the account would be closed and labeled as a fraudulent account it was not closed the thief was still able to use the account and it was labeled as a fraudulent account. I also asked for them to stop reporting this account to the credit bureaus as my account because it was fraud and everything associated with the account was used falsely to obtain a fraudulent account starting with my personal information my social security number and my date of birth all stolen by a thief. The address being XXXX XXXX XXXX XXXX XXXX, Texas XXXX has no affiliation with me I have no idea who lives here as I have no affiliation with anything or anyone in Texas also the phone number used on the account XXXX even the banking information that is associated with the account with the last 4 digit being XXXX are not associated with me in anyway. I have contacted Seventh Ave on Multiple occasions ( 20 times to date ) trying to get this cleared up and with each call I am told something different or redirected calls are not being noted in the account when I am calling neither is the information that this account is a fraudulent account being noted on the account. I have made a police report I have filed an identity theft report I have signed and had a affidavit notarized and all information needed to prove this account does not belong to me was sent out to Seventh Ave showing that I never opened an account with this company or gave my permission for anyone else to open an account with this company using my personal information I have filed disputes with all 3 credit bureaus yet because Seventh Ave is still reporting this as my account its still going on my report they are not reporting this as a fraudulent account also Seventh Ave has yet to respond with any letters to my request or reach out to me. I called again today XX/XX/XXXX at which I spoke to a XXXX XXXX the same person I have spoken to on XXXX different occasions to make sure that my packet of information was received in which I sent out on XX/XX/XXXX I was informed that it was and the account would be closed at that moment. I was also told that 4 letters had been sent out to my home address but I have never received any correspondences from Seventh Ave none!! as my informed delivery from The united states postal service would have recorded that information. so I asked if the letters could be sent out again including a letter stating that the account was closed and that Seventh Ave would stop reporting this Fraudulent account as mine to the credit bureaus she responded by saying she would resend the letters out and I should receive them in 7 to 10 days at which point I explained to her that because I had not received anything from the company I was not to confident that any letters had been sent out to me and that I felt it would be best for me to contact the police officer that is over my police report and have him step in and speak with someone because I feel like I have been getting the runaround that Seventh Ave. That the company has not been interested in investigating this matter at all I explained to her that the matter could be cleared up if they traced that banking information that they have on file and it will show that it does not belong to me or that I have any association with any of this but once I spoke about giving the police officer the updated information about the bank account linked to this account XXXX XXXX became a little upset and started telling me all the hoops that police officer would have to jump through in order to contact them. At that point I told her it seemed as if Seventh Ave was making it easy for the person who stole and used my information to continue to get away with fraud under may name! that I felt Seventh Ave was NOT cooperating with me to help me get this cleared up. I have been fighting to get this removed from my account since XX/XX/XXXX and I am still having problems with even getting letters sent out to me I have given them my correct address and I have sent in proof that I have never lived in at the address associated with this account in Texas also that I have never lived in Texas or have any affiliation with anyone that does live in Texas none of this is my doing. I need help with getting this cleared up and taking care of this is fraudulent account and Seventh Ave is giving the thief more protection than they are with helping me to get this taken care I don't know what else to do about this I guess I will also have to contact my State Attorney general office for extra help in fighting this matter even with the credit bureaus they are going by what this company is reporting and will not take my disputes seriously because this Seventh Ave keeps reporting that the information is accurate when its a Lie. It is not accurate this account does not belong to me I did not open this account this account was opened fraudulently I did not give my permission for this account to be opened I am willing to work with the law enforcement to help get this account closed and stop the false reporting to my credit report.
03/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33024
Web
On XX/XX/XXXX, I received an alert from a XXXX XXXX XXXX indicating a hard inquiry was done on my XXXX credit report. This was an unauthorized and potentially fradulent inquiry, I have never attempted to open an account with the Credit Issuer XXXX XXXX who pulled my credit. After reporting potential fraud to XXXX XXXX, they cancelled the pending order associated to this inquiry, and noted that the only information provided by the customer that match my profile was ( 1 ) First and Last Name ( 2 ) City, State and Zipcode. All other info did not match my profile. Customer did NOT provide ANY social security ( thus no match with me ), the house number and street are different, the contact number was different, and no drivers license was provided or did not match. The XXXX XXXX XXXXven performed several searches in their system using my info, and no results would match. They quickly understood it clearly wasn't an inquiry I made and advised me to dispute the inquiry with XXXX. Upon disputing the inquiry with XXXX, my expectation was that XXXX would take the time to contact the Credit Issuer XXXX XXXX and put the burden on them to prove this inquiry was one I initiated and authorized. To my surprise, I submitted the dispute at XXXX one day, and XXXX next morning the results were in, stating that after their " investigation '', it was determined the inquiry was factual, legit. First, I have no idea how they got that investigated in such short time, it seems to be auto-generated results. Second, if the XXXX XXXX has NO RECORDS of my Social Security, NO records of my address, my phone number, my drivers license, different email, absolutely nothing associated, how can they investigation had prove the legitimacy of this inquiry. The only way the XXXX XXXX was able to find the order that caused the inquiry was using First & Last Name, zipcode, date of order. I've reached out several ocassions to XXXX and always get the same standard answers. Saying the investigation was done, inquiry stays on for 2 years, and even if I submit new disputes it will give the same results. The only other options they give me is to file an FTC Identity Theft complaint and Police Report stating this inquiry was done using my stolen identify. This issue with this is : this might NOT be a case of ID Theft, but a cause by failures in XXXX 's systems & processes. How could XXXX permit an inquiry on my credit report when the XXXX XXXX was NOT provided any of my ID identifiers such as Social Security, Drivers Lic, Primary Address, Email, Phone Number. XXXX should've not let the XXXX XXXX gain access to my credit report without providing additional information. Not only that, but I had placed a FRAUD ALERT last XX/XX/XXXX on my XXXX and other bureaus, and yet XXXX permitted access to my credit without any notice, without requiring the XXXX XXXX additional ID verification or a call to the cell phone on file to verify ID. To top it all off, even though XXXX failed to safeguard my credit, I should be able to rely on the dispute process. But then XXXX seems to have not dedicated any time or resources to complete a thorough investigation into the inquiry, which undoubtedly would have proven the inquiry is not mine and should've resulted in the immediate removal of the inquiry from my credit report. I expressed these same complaints to numerous XXXX agents. This is not the 1st time XXXX permits access to my credit file to issuers by only matching ( 1 ) First & Last Name ( 2 ) Same State, but no social security was provided, nor any other info related to me. XXXX should be held accountable permitting any issuer to easily access my credit file with just a matching name and city and/or state. After I submitted a CFPB complaint to XXXX about this situation, again they did an " investigation '' which took less then a day and resulted in saying the inquiry is mine, even though XXXX XXXX has stated they have requested the removal of the inquiry in 3 ocassions already ( last attempt being on XX/XX/XXXX ). A simple call to their fraud department and they can confirm everything I have said so we can all get on with our lives. The XXXX XXXX Order Number, where all the notes are placed about the order being cancelled due to potential fraud, can be provided upon request. XXXX should also be held accountable for failing to perform a thorough investigation when a consumer submits a dispute. Its not fair for these Credit Issuers and Debt Collectors to have such easy, unrestricted access to our credit files, and be able to ruin our credit with just a matching First & Last Name and City/State, to then have us go through XXXX for months to fix what they permitted. Again, all it would take is for XXXX to conduct a real investigation, and if they don't have the time or resources to spend on little ol' me, then they should remove the inquiry and let us all move on.
10/22/2020 No
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • FL
  • 33069
Web
XXXX XXXX has the following disclosure and/or advertisement on their website for your convenience I have enclosed their disclosure as well as the link to their website XXXX XXXX XXXX XXXX XXXX XXXX Advertised Disclosure : " Does XXXX XXXX report to credit bureaus? XXXX XXXX reports information regarding its open, active accounts. Information reported includes all relevant historical information, including the account open date and the complete payment history. On-time payments to your XXXX XXXX account are an effective way to build a strong credit report and improve your credit score '' Second Advertised Disclosure : How does XXXX XXXX XXXX work? 1 ) In many ways, XXXX XXXX XXXX works in the exact same way as any store-branded credit card, however there are a few notable differences that make our plan more customer friendly. 2 ) Our credit is not issued by or through a national or state-chartered bank. XXXX XXXX extends credit directly to you, so there are no third-party fees AND we can extend credit to people who might not qualify for traditional banks or store credit cards. XXXX XXXX XXXX is open-ended, meaning that you do not have a fixed number of payments, like a car loan or mortgage. 3 ) XXXX XXXX XXXX is revolving so that your available credit increases and decreases based on your credit limit, how much you have purchased, and how much you have paid. As a result of the 2 above disclosures advertised on their website on XX/XX/20 I reopened my account with XXXX XXXX and utilized {$65.00} of the line of credit that was extend to me. I made all payments on time and received billing statements for XXXX, XXXX reflecting my onetime payments, balance, payment and closing date. Unfortunately, my information was never reported to the credit bureau as promised in the disclosure advertised on their website. Therefore, on XXXX I called XXXX XXXX XXXX Department the rep advised me that my account was reported to the credit bureau for XXXX as well as XXXX that I have a {$400.00} credit limit. The information should be reflected on my credit report within the next 24-48hrs, If I do not see the information reflected on my credit report by XXXX please callback. Therefore, on XXXX I called back to their Credit Department. I spoke with a different rep who advised me that the rep I spoke with on XXXX give me wrong information that I do not have a {$400.00} credit limit. In fact I do not have a credit limit at all and they will not report my account for 90days and/or 3billings cycles from the date that my account was reopened. Frustrated, with false advertisement and misinformation I called XXXX XXXX Corporate Office Colony Brand XXXX XXXX trying to get the correct information and this matter resolved. I spoke with XXXX Administrative Assistant. She saw the advertised disclosure on their website and apologized about the misinformation that was advertised in the disclosure as well as the misinformation that was given to me by her Credit Rep on XXXX. However, they will not honor their disclosure that was advertised on their website. Also, they will not report my information to the credit bureau for 90days and/or 3billing cycles from the date the account was reopen. They will not report XXXX nor XXXX until the end of XXXX and my credit information will not reflect on my credit report until around XXXX. I reminded her that the disclosure advertised on their website does not mention anything about a waiting period of 90days and/or 3billing cycles before they report my information to all 3 credit bureaus. I told her this is unacceptable and very misleading and unfair to the consumer. Therefore, I asked why 90 days and/or 3 billing cycles? She stated that's their policy and the information advertised on their website is incorrect. However, she will put in a request to have the disclosure that's advertised corrected and/or updated. This a prime example of bait and switch as well as false advertising, misleading the consumer and unfair business practices. Not to mention a violation of my Fair Credit Reporting Act Rights. I have also filed a complaint with The Wisconsin XXXX XXXX XXXX. I am also filing a complaint with my State Attorney General as well as filing a complaint with Wisconsin State Attorney General. I have enclosed supporting documentation of my Statements for XXXX and XXXX
11/07/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • MD
  • 206XX
Web Servicemember
XXXX XXXX regarding account # : XXXX XX/XX/XXXX, I placed an order for a pair of boots through XXXX XXXX. The total purchase price was {$150.00} for one pair of utility work boots. In XX/XX/XXXX, I noticed that I had overpaid the account to XXXX XXXX and requested a refund for {$150.00} which the amount that I overpaid to the merchant ( my order total was {$150.00}, the total amount that I paid to XXXX XXXX was {$320.00} ). When I called the merchant about the overpayment, first XXXX XXXX claimed that my order total wasn't {$150.00}, that it was {$170.00}. Despite me arguing with them about the order being {$150.00} they insisted it was {$170.00} that was financed and not {$150.00}, but then they also said that I owed money to a " XXXX XXXX '' account, which was their sister company. I explained that I never placed an order with XXXX XXXX and never received any sort of order from XXXX XXXX. Despite me disputing the transaction or the order, they insisted that I owed the XXXX XXXX account {$81.00} for an order that originally cost {$26.00} ( for 1 pair of socks ) plus {$9.00} for shipping, bringing the total to about {$36.00}, based on the break down I was provided over the phone. Despite numerous calls disputing this transaction, I didn't get any where and asked that XXXX XXXX credit whatever they needed to credit to this XXXX 's account to XXXX my account out and ensure my account was closed. This process still took over 45 days to because when the original request was made, it wasn't processed, so I had to call back again and again to get both accounts XXXX out. I made repeated calls to XXXX XXXX from XX/XX/XXXX through to XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX told me they would issue a refund, close the account, and expect to receive my refund within 30 days. When the 30 days had come and gone, I called them back to check the status and they told me to wait another 30 days to receive my refund. Finally, XX/XX/XXXX, I received a refund check of {$75.00} ( which was still less than the total I was owed, even minus the {$81.00}, but I digress ). Today, I arrived home and received a bill from XXXX XXXX from {$42.00}. Quite naturally I call them to inquire about this bill since I got a refund check in XX/XX/XXXX. When I spoke to the representative " XXXX '' she told me that I didn't pay for my one and only order from XXXX XXXX, which was for one pair of boots and I still had a balance due. After proving to her that she was wrong ( asked her what was the total amount of the order and what was the total amount that XXXX XXXX had received from me ), she hung up. I called back, spoke to representative # 2. She said that I placed another order and that's where the charges came from. I proved her wrong ( by asking for the order number, date, where it was delivered, etc. ) and she hung up. I called back, spoke to representative number 3, who then transferred me to the supervisor, " XXXX '' in the credit department ( phone number XXXX ). " XXXX in the credit department '' explained, though I overpaid my XXXX XXXX account by {$150.00}, and XXXX XXXX made me pay {$81.00} for a " XXXX 's '' order I never placed or received, reducing the amount of money they refunded to me to {$75.00} ; she said that XXXX XXXX continued to try and debit my account for an additional {$7.00} per week, after they knew that my account had a XXXX balance and they owed me money, ( especially after I notified them in late XXXX through early XX/XX/XXXX for the over payment ), that I now owed them {$14.00} for two {$7.00} payments that they weren't able to cash AFTER they issued the refund, a {$15.00} fee for each returned item, and late fees on top of that, my new balance was {$54.00}. They continued to try to collect on a closed account with an overpayment and refused to close the account after numerous requests ( both in writing and over the phone )! To add insult to injury, the statement they sent me is dated XX/XX/XXXX and it says the amount due is {$42.00} and they charged interest on the {$42.00} bringing the total to {$54.00} as of XX/XX/XXXX. So not only did XXXX XXXX take my money, for money I didn't owe them, for orders I didn't place, but they're also charging me late fees and interest on money I didn't owe them!!!
03/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 770XX
Web Older American
According to FCRPA, the consumer should be notified and provided documentation of proof and 45 days to dispute or confirm the debt. I wasn't given that opportunity. I called after I received a Credit Monitoring Alert to find out what was happening. I have made several attempts to clear this issue with the companies and XXXX. I received an accounting of adjustments in which I told them none of the purchases were mine. It appears they agreed because they made adjustments which should have XXXX the account out.Although I moved back into my home in XXXX, experienced XXXX XXXX and a victim of Identity theft, XXXX refused to block the derogatory information from my credit report. I have never order anything from XXXX XXXX XXXX and Ginnys in which they agreed and told me I would receive a FTC Identity Theft packet. As of 3 - 4 months, I never received the packet so I completed the Identity Theft on the FTC website. I forwarded all the information from FTC, police incident number and the time frame I did not live at my home. Due to Hurricane and amount of my homeowners insurance, I moved out because the home wasn't livable.The companies states the purchases were sent to the house while vacant. Due to the house being vacant, it was burglarized and information and my remaining items were stolen and vandalized. Previously, I resolved other issues with companies under Colony Brands without any issues. These companies do not notify the consumers of any issue that suspicious or no response from the consumer. On XX/XX/XXXX, these companies placed derogatory and fraudulent accounts on my credit reports with other credit bureaus removed the information. Due to all the fraudulent activity, I placed an extended Fraud Alert which worked for a while but the activity continued. Then, I placed a freeze on all credit bureaus to stop the activity. Although there was statement an phone number to contact me before opening any accounts and/or any purchases. Although the phone number away from was different it was provided in the statement on my credit report. I did not receive any calls to confirm that I purchased or open accounts. I later found out that Colony Brands companies sell customer information to subsidiaries and/or affiliates for more revenue. In researching I found that there are issue with this group of companies on XXXX Alert as follows : Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries ( credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. If you have received an item from one of the following - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX, Ginny 's, The Swiss Colony, XXXX XXXX, XXXX XXXX XXXX, XXXX or XXXX XXXX XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud. I wasn't notified even though I contacted with the same issue. Now, XXXX is refusing to block the fraudulent account/accounts before I either knowingly knew about the or it was in error. I feel the issue they are having is an inside job and placing burden of proof on Senior Citizens so we'll pay for their diligence. If you review my credit file, you will see I pay my bills on time but I will not pay a debt I do not owe. This company is depending on the fact my credit is reasonably good that will pay the fraudulent debt. I WILL NOT PAY A DEBT OF DO NOT OWE!
01/05/2016 Yes
  • Credit card
  • Other
  • VA
  • 242XX
Web
I 'm writing my complaint against Seventh Avenue , Inc 's violations of incomplete/missing reporting to credit bureaus. I 'm aware that there are no regulations or requirements for a creditor to report information to credit bureaus. However, I am also fully aware that Seventh Avenue does, in fact, have an established relationship with the credit reporting agencies and does report delinquencies on consumer accounts. Therefore, Seventh Avenue is a furnisher of information, by definition, as they do report and provide consumer information to be included on a consumer credit report. The credit reporting agencies have informed me that they can not help me with this issue. I have called Seventh Avenue and have spoken to representatives requesting the reporting of my account to credit agencies of my long, excellent standing relationship with their company. During these conversations, I was informed that Seventh Avenue only reports when a consumer is delinquent. Being a customer since 2006, I 've never been delinquent. Therefore, my credit report does not show any activity or information for this company whatsoever. This is unfair, and unjust to me as a consumer, as the only way for this account to show up on my credit report with the longevity that it has is to encounter a delinquency. I do not have an accurate portrayal of my credit worthiness on my credit reports that reflect my excellent standing with this company, although they are currently a furnisher of information. I feel Seventh Avenue to be violating several codes due to the fact this company is only willing to offer and report partial information of account delinquencies, meaning by definition would be incomplete information regarding a credit account. I feel it to be very unfair that Seventh Avenue initially used information from my credit report to determine my credit worthiness when obtaining my open credit account with them, ( and made other credit decisions with that information as well ), but yet refuses to report my excellent standing for my credit worthiness. Under several codes, and by this company choosing to be a furnisher of information, Seventh Avenue has a duty and requirement to have and use " reasonable '' policies and procedures regarding furnishing information to the credit reporting agencies. The accuracy and integrity requirements are under question with Seventh Avenue as they are not providing accurate consumer account performance as a company who currently does provide information to credit reporting agencies. Their current way of business of only reporting delinquency, and not full performance, is not " reasonable ''. This is an omission of information pursuant to providing accurate consumer account performance, therefore, incomplete information by a company who has chosen and who does currently furnish information. For Seventh Avenue to only " pick and choose '' what it reports from a consumer account when it has chosen to be a furnisher of information is not fair, just, or right to the consumer. I feel it to be an " all or nothing '' issue. Either they choose not to be a furnisher of any information, or they provide a full, accurate consumer performance for all account holders. As it currently stands, for this account to show up on my credit reports to show and prove my excellent credit worthiness with this company with a credit account of longevity since 2006, I would have to first become delinquent. However, if I become delinquent to allow Seventh Avenue to furnish the account information, I harm my credit worthiness. As a consumer proving my credit worthiness on my credit reports, I should not have to " pick and choose '' between the two. As it currently stands, a company who is already a furnisher of information but only reports as it wishes, is reporting inaccurately and incompletely of consumer performance and information.
09/17/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 12804
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GINNYS COUNTRY DOOR There is a regulation under the FDIC Act known as Regulation 5000, which acknowledges an unsecured debt as a different classification from standard to sub-standard. On day 120 of default, all interest, late fees and overdraft fees cease, and the basis of debt id re-evaluated. On each of these collections the standard has been violated as both entities are using a 180-day default method, which means both the accounting and its subsequent collection process is a violation of my rights under the Fair Debt Collection Practices Act. In essence, both collection processes are VOID, and must be recalled by their respective original creditor. I am a XXXX American citizen who believes that my rights are being violated and my civil rights are in total violation under the Civil Rights Act. I make the following demands : 1 ) A true copy original of my credit application, and 2 ) A complete accounting under FDIC Regulation 5000 guidelines. I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
07/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30291
Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against SWISS COLONY in response to my previous CFPB COMPLAINT # XXXX. In my previous request I stated that SWISS COLONY stated " Given that XXXX XXXX settled her account in XXXX of XXXX with the third party collector that was handling her account, The Swiss Colony believes she has acknowledged the validity of the debt. '' SWISS COLONY also stated ". SWISS COLONY stated that they are the original creditor and that I paid the third party collector. Who is the third party because SWISS COLONY has stated more then once " to the complaint is not applicable to creditors collecting their own debts '' SO SWISS COLONY HAS STATED THAT I PAID A THIRD PARTY WHEN I HAVE NO KNOWLEDGE OF WHO THE THIRD PARTY IS.SWISS COLONY HAS STATED THAT IS NOT APPLICABLE TO CREDITORS COLLECTING THIER OWN DEBTS '' This is in reference to my requesting a validation of debt. SWISS COLONY stated in the recent response from CFPB # XXXX AGAIN XXXX ( g ) of the FAIR DEBT COLLECTION PRACTICES ACT which once again, does not govern the activities of creditors collecting their own debt. Again I ask if SWISS COLONY collects their own debt WHO is this third party you claim I paid? SWISS COLONY also stated " a request for validation under that section must be delivered in writing to the collection agency within 30 days of the receipt of the first communication regarding debt. There is no statute of limitations when requesting validation of debt. SWISS COLONY STATED THAT XXXX XXXX ACCOUNT WAS CHARGED OFF AS FRAUD AND REFERRED TO COLLECTION AGENCY. SO SWISS COLONY HAS STATED THAT THEY ARE THE ORIGINAL CREDITOR AND THEY COLLECT THEIR OWN DEBT, SWISS COLONY THEN STATED THAT I PAID OFF A THIRD PARTY, THEN SWISS COLONY STATED THAT THIS ACCOUNT WAS CHARGED OFF AS FRAUD AND REFERRED TO A COLLECTION AGENCY. SWISS COLONY STATED '' MY LETTER WAS ADDRESS TO THE SWISS COLONY NOT THE AGENCY. I STILL DONT KNOW WHO THIS AGENCY IS. WAIT SWISS COLONY ALSO STATED " THAT THE DEBT WAS SETTLED BY PAYMENT OF LESS THAN THE FULL BALANCE OWED. SWISS COLONY ALSO STATED '' THAT SETTLING A DEBT DOES NOT CASUE THE PAYMENT HISTORY AND OTHER INFORMATION REGARDING THE DEBT TO DISAPPEAR FROM A CONSUMER CREDIT REPORT. SWISS COLONY ALSO STATED " THE INFORMATION REGARDING THE ACCONT WILL REMAIN ON A CONSUMER REPORTING AGENCIES, USING THE GUIDANCE PROVIDED IN THE FAIR CREDIT REPORTING ACT. PLEASE PROVIDE ME WITH THIS GUIDANCE. SO SWISS COLONY STATED THEY PLAN TO CONTINUE TO REPORT THIS NEGATIVE FRAUDULENT FURNISH ACCOUNT ON MY CONSUMER REPORT AFTER THEY STATED THAT ITS BEEN PAID, CHARGED OFF DUE TO FRAUD AND THAT THE DEBT WAS SETTLED BY PAYMENT. I WILL FILE LITIGATION FOR ACTUAL DAMAGES CAUSED BY SWISS COLONY AND WILL BE HELD CRIMINALLY LIABLE FOR DEFAMATION OF CHARACTER. I PLAN TO FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE XXXX. I HAVE ATTACHED A COPY OF SCREENSHOT OF SWISS COLONY REPORTING NEGATIVELY ON MY CONSUMER REPORT EVER THEY HAVE STATED THE ACCOUNT WAS PAID OFF, CHARGED OFF AND SETTLED. SWISS COLONY IS REPORTING THIS account with forethought and malice as an attempt to bring harm to me and my financial reputation.
04/17/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • XXXXX
Web Servicemember
This letter is a formal complaint that XXXX XXXX XXXX XXXX is reporting inaccurate and incomplete credit information.. Credit reporting laws ensure that bureaus report on only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts posted on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a fraudulent account. I called XXXX after being transferred four times because no one could find an account, I was transferred to a XXXX, who advised me that she couldnt pull up the account but put me on hold and advised me that the account was transferred to a debt collection agency by the name of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX, I was told that I needed to contact them to get a copy of this account. I spoke with a XXXX XXXX and advised her of the dispute that this account should be closed due to the merchandise was returned. XXXX XXXX advised me that she was showing an original balance of {$620.00}, I advised her that this is incorrect, the XXXX was returned and the amount was only {$390.00} plus prior to returning it I made a payment of {$30.00}. XXXX XXXX advised me that she was showing the amount was over {$620.00}, I requested that she send me a copy of the transactions. ( see attached documents ) She agreed, and I received the transaction showing incorrect dates, incorrect return dates and a credit for {$390.00}. I am showing a balance of {$440.00} and a lot of other charges which it doesnt list what it was for and showing a return date of XX/XX/XXXX which, it was incorrect, the correct month was in XX/XX/XXXX. I wasnt credited any finance charges from the sales, which I should have been credited, so it seems that XXXX was charging me late fees on their error. This should have been a XXXX balance. After going over the Transaction Summary, I called XXXX XXXX back and advised her that I received the transaction and that the information is incorrect. I advised her that I am showing a bunch of transactions on this account for only an XXXX ordered and the transactions do not have any descriptions. I was advised that I needed to contact XXXX and let them explain it, I advised her that XXXX advised me that they couldnt pull up the account after it is turned over to a collection agency and I needed to speak to the collection agency. XXXX XXXX advised me that she didnt know why they told me this because they have nothing to do with the product or the order summary. I advised XXXX with XXXX and kept asking him who TransUnion spoke with to verify this account because neither XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX knows anything about this account, but I keep getting notices from the Credit Bureau that the creditor advised that the account is accurate and the account is still showing a charge off and I don't even have the merchandise.
04/23/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • NJ
  • 08902
Web
I was extremely ill during the months of XXXX through XXXX, back and forth to various doctors for multiple XXXX XXXX, XXXX, XXXX XXXX and XXXX. At the same time I was paying all my bills on time and also at the same time we were in the midst of a pandemic, making things extremely difficult if not impossible to maneuver. I received a negative mark on my credit report in XXXX for missing a payment of {$25.00}. In the meantime I had applied for and was qualified for a mortgage. I had no late payments ever and did not know that there was an issue with this particular credit card. I was not notified by mail, email or phone call from them that there may be and ultimately was an issue. According to the company they called me multiple times and left messages. I assured them that this was not true and I added that if there was a call to me and it came in as a Potential Spam or unavailable then I would not answer. I explained that if their call fell under either category then they never left a message and that since they claim that they record all conversations then there should be a record of any message that was left on my phone number. They did not answer to my speculation and claim. They claimed that they emailed me but when I asked them to confirm my email they had the wrong email for me then they stated that regardless it is my responsibility to make sure the bill is paid on time. In the meantime my mortgage company has since pulled me from the program I was in for the mortgage because the credit reporting agencies have lowered my score substantially between 50 and 100 points and I now do not qualify for the mortgage. Had I known that there was a payment missing or late prior to them reporting me as late I would have paid that payment immediately. I pleaded with them to reconsider and to give me any instruction that could reverse the negative and they told me they would not help me at all. The company should be more sensitive during this time of the pandemic in which I lost about 15 friends and family to the XXXX. and the XXXX from all that is going on is enormous, then this company decides to allow my credit to be destroyed and I am not even saying I could not pay that bill but only that I did not know it was late if I missed it. I paid it within 2 minutes of learning it was late. I even offered to pay the account to $ XXXX but they were not open to anything. All my bill monthly are about {$3500.00} and without hesitation they are all paid every month. This bill is only {$25.00} and it is costing me the $ thousands of dollars I put down on the house because I signed a contract that I would forfeit my deposit if I did not close when it was time to do so. The company is not concerned that there are extenuating circumstances that many people are experiencing, they are cold. In addition I am researching my various bank accounts to see if payment was made prior to the issue, in the meantime I made the payment they claimed I missed.
02/16/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48185
Web
I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to XXXXCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication XXXX in regards to Account name XXXX XXXX Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
02/16/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48185
Web
I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account name XXXX XXXX Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
02/16/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48185
Web
I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account Swiss Colony Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
02/16/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48185
Web
I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account Swiss Colony Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
02/16/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48185
Web
I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 for account COLONY/GINNYS Account # XXXX. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
02/16/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48185
Web
I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 for account XXXX Account # XXXX. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
12/29/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 78229
Web
On XX/XX/XXXX, I received XXXX packages from my mother for XXXX from the company XXXX XXXX. When I opened the package I saw the invoice inside with the items listed a dollar amount saying bill to me but didnt think anything of it as my mother purchased the items and had it shipped to me from her account. On XX/XX/XXXX I recieved an invoice with an account number and the contents of my XXXX gift listed with a due date and total. I immediately contacted customer service to let them know there was an error at XXXX cst when I got off work to let them know there was an issue. After being transferred around, the second representative told me that this happens all the time where accounts get created by mistake and I only had XXXX options to report the account as fraud or have my mom pay the account off and then I could call back to close it which would impact my credit even though I never opened the account. The banker acted very nonchalant as though this was a common occurrence. My mom told me no personal data of mine was provided other then my name and address for shipping of the item. They told me to pay the bill over the phone is {$2.00} or I could go through their automated system or online at no charge. Once I pay they said to call back to have the account closed. Once the call ended I had to go online and make an account to make this payment. I paid any balance listed on the account for the {$51.00} as my mom order this with no malice intended. Once online i found out not only did they erroneous bill me for these items, they created an account for me and also opened a line of credit in my name for {$900.00}! This issue kept escalating further and further down a rabbit hole of misinformation. I was very upset and called back immediately to have the account closed. The representative I spoke with at XXXX XXXX kept trying to disuade me to wait to close the account for XXXX hrs to allow the payment to clear. I repeated the issue about whats happened and that this XXXX gift has become a nightmare that I want out of. Now I have possible credit impacts for something I never did. My mother called customer service on XX/XX/XXXX and the representatives told her it was a computer issue and billing problem. For no one to pay the bills and it would be corrected in 2-3 days as my siblings my mom sent gifts to have also been impacted with accounts created. They did not take this issue seriously and only offered to escalate my closure request. The credit impacts will still be there as they created an unauthorized account with no permission or personal data being provided. Please look into this company and have any credit impacts removed by this business predatory tactics as not only was i billed but my mother was billed on her individual account where the gifts were generated from.
05/30/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17046
Web Older American
XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
05/30/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17046
Web Older American
XXXX XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Date Reported Opened : XX/XX/XXXX Date Reported Closed : XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$280.00} Company named above claims I have as of XX/XX/XXXX Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$280.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. The above named company must submit to Consumer Finance the social security they have on file relating to this matter in order to positively identify me as the person who conducted business with them and am the person positively identified as the owner of the debt. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so. 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
04/20/2020 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
  • TN
  • XXXXX
Web Servicemember
Re : Verification dispute of XXXX XXXX XXXX XXXX accounts with same account number ( XXXX ), same past due amount ( {$180.00} ) and same creditor address ( XXXX XXXX XXXX XXXX, XXXX ) Dear Representative : I am writing to dispute XXXX claim of verification for the trade lines referenced above. I have disputed this account formation as being merged and therefore inaccurate but XXXX has come back stating these were verified. How is this possible? It is abundantly clear that these two trade lines are merged. It is impossible that two separate trade lines will have exact same account numbers, exact same past due amount and the exact same creditor address. That in itself should have been more than enough to alert XXXX that the information reported was inaccurate and warranted deletion. My previous CFPB compliant is attached. By continuing to report these inaccurate trade lines XXXX has caused undue damage to my credit worthiness and as a result I have been denied credit or have had credit extended at higher rates that I otherwise would have qualified for had the two trade lines above been properly addressed by XXXX. Per the Fair Credit Reporting Act ( FCRA ) : I have the right to dispute incomplete or inaccurate information CRAs ( XXXX ) must correct or delete inaccurate, incomplete, or unverifiable information within 30 days CRAs ( XXXX ) may not report outdated negative information I may seek damages from CRAs ( XXXX ) and credit reporting data furnishers ( XXXX ) for FCRA violations I contend that XXXX did not perform due care in its investigation of the two trade lines and rubber stamped them as accurate. I am sure this occurred as a result of XXXX being understaffed due to Covid-19. This is evident by XXXX drastic cutting of phone support ; however this does not preclude XXXX from meeting FCRA requirements. In addition if the information from these two trade lines were being correctly reported the XXXX XXXX XXXX XXXX trade line would not appear on my credit report at all. This is due to FCRA statute of limitations. This trade line has already been rightfully removed from my XXXX and XXXX reports for this very reason. This is a clear case of XXXX being in violation of the FCRA. I strongly urge XXXX to immediately remove these two trade lines or I will be left with no choice but to file suit with the intent of reaching class action status. The only acceptable resolution to this matter is for XXXX to delete these two trade lines immediately. While I prefer not to litigate, I will utilize the courts and publicity to enforce my rights under the FCRA and seek monetary damages. I look forward to swift resolution of this matter.
07/06/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60409
Web
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. I am requesting that SWISS COLONY ASHRO and XXXX 'S XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX 'S and SWISS COLONY ASHRO reported some account to my credit report with the names. I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
06/07/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 70809
Web
This XXXX XXXX account was not opened by me and once discovered on my credit report I tried to contact them to advise this account was n't opened by me and I never received any products from them. By the time this account was discovered it was already past due and have negative information reporting to the credit bureaus. I contacted XXXX XXXX to try to resolve this issue and was told since the account was already with a collection agency there was nothing they can do and they provided the third party collection agency number whom I contacted to explain the situation. I advised the collection agency that this account was not opened by me and I have no knowledge of it. I was told to settle the account and they will have it removed from all XXXX credit reporting agency 's and report the information back to XXXX XXXX directly. I was skeptical however that 's what I did. However now the account is showing as paid/closed with late payments which is having an negative impact on my credit. I was given incorrect information from XXXX XXXX as well as the third party collection agency. The collection agency never reported anything to XXXX XXXX , not even the payment. The account was recently updated after filing a complaint to " Paid/Closed ''. I have been trying to get this issue resolved for over a year now and any help regarding this matter is greatly appreciated. After realizing that the third party collection agency coerced me into making a payment without really resolving the issue I contacted XXXX XXXX directly and was told I should not have made a payment that I needed to fill out a fraud affidavit form however its too late to do that due to me making a payment to resolve the account. I tried to work with XXXX XXXX to resolve this issue however I have been unsuccessful in doing so. I also requested that XXXX XXXX provide any signed contract documents proving this account was opened by me which I have not received, in doing this XXXX XXXX has violate the FCRA. I have also submitted request to all XXXX credit reporting agency 's for verification ( signed documents ) of debt which XXXX XXXX did not provide to XXXX , XXXX or XXXX nor myself ... however its still reporting on all XXXX of my credit reports by doing this the credit reporting agency 's have violated the FCRA. I have made several attempts with the credit reporting agency 's and XXXX XXXX to resolve this issue with no resolution from either parties. This is the ONLY negative account reporting on my credit reports and I will peruse this issue until it has been resolved.

Thank You

07/06/2015 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60409
Web
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. I am requesting that SWISS COLONY ASHRO and XXXX XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and SWISS COLONY ASHRO reported some account to my credit report with the names. I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
05/30/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17046
Web Older American
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX ) XXXX Date Reported Opened XX/XX/XXXX Date Reported Closed XX/XX/XXXX Individual Account Revolving Account CHARGE ACCOUNT Balance : {$510.00} Company named above claims I have as : Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them : {$510.00} dollars on : XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owe as third-party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus, failed to do so ; 7. above company must submit to Consumer Finance what name was submitted for these alleged business transaction ( s ) and/or service purchased. Or any items purchased. Above company named must submit the correct spelling of my name and address I reside at while contracting or purchasing their services or items. Above named company must provide full information identifying me as the person doing business with them on said date submitted above.
04/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • TX
  • 77449
Web Older American, Servicemember
Dear Sir/Madam, I am a retired XXXX year old U.S. Military Veteran who has a XXXX XXXX. Today, XX/XX/XXXX, I found out through my bank XXXX XXXX that my FICO credit score has plummeted 52 points down to XXXX from my previous month of XXXX score of XXXX. I immediately went to XXXXXXXX where i have a free account in order to find out what happened to my excellent credit. I found out that there is a report of Late Payment from THE SWISS COLONY, an online food store. I've had an account with them since my first order dated XX/XX/XXXX. Since then, I've been a good loyal customer and I've ordered many of their products every year until this XX/XX/XXXX. I still have all the copies of my annual orders from this company in my email folder. On XX/XX/XXXX I received a letter from this company, dated XXXX XXXX, XXXX, that my " account is past due and please pay {$10.00} immediately to bring account current ''. I felt very badly embarrassed and ashamed of myself for forgetting to pay this bill and I immediately went online and paid the total blance of {$54.00} which was the total amount balance shown online. The letter they sent me differed a little bit because it showed Account Balance {$43.00} plus Past Due Amount {$10.00}. About 3 - 4 days later I received another bill which showed that the due date was XX/XX/XXXX. I've already paid the total balance as I mentioned on XX/XX/XXXX. My complaint is that this conmpany did not honor their payment due date XX/XX/XXXX as shown on their bill/invoice. As i mentioned, I paid the entire balance XX/XX/XXXX. They didn't even give me the courtesy of notifying me that they will report me to the credit bureaus. Now, I have a Late Payment report in my credit report which stays for 7 years. I worked very hard over many years to have an excellent credit record. I pay all my bills on time and I have records to prove this. Please help me to be able to recover my excellent credit record. I would like to pass from this life without the stigma of Late Payment which will remain in my credit report for 7 years. Sincerely yours, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Veteran, Retired P.S. I have attached relevant documents including my email letter to The Swiss Colony Company dated XX/XX/XXXX in which I apologize for a late payment and asking for help to set up an automatic payment from my bank XXXX XXXX or my XXXX XXXX credit card because of my memory problem as a proof of my good intentions. .
07/03/2023 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
  • FL
  • 32208
Web
I continue to ask XXXX to update status as paid/settled on my credit report and they continue to give me the run around... I paid this account off with XXXX XXXX on XX/XX/23 and I continue to ask XXXX to update the information as such and they will not.. I have placed this account in dispute over 10 times and keep getting the same results... I settled in the amount of {$310.00} and have mailed and faxed in paid letter documents and XXXX XXXX removed their trademark from my credit file back on XXXX thanks. I also have a complaint with Montgomery Ward in the same fashion... I paid/settled this account with XXXX XXXX XXXX XXXX XX/XX/23 in the amount of {$190.00} and have placed this account in dispute at least 5 times and they continue to say that this account is being reported accurately.. I have sent paid documents by mail and over the 3 major credit bureaus and they still have not updated the information to my credit file as such... The collection company has sent over information that this account is paid and they have yet to update the information on my credit file .... Thanks... I also have a complaint with XXXX collection agency for a XXXX shopping account... I have also asked them to update the status on my credit file that this account is paid/settled on XX/XX/23 in the amount of {$230.00} and have sent over documents and disputed this account as such and they have yet to update on my credit file ... Thanks. I also have a complaint with XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX ... I paid/settled this account on XX/XX/23 in the amount of {$290.00} with XXXX XXXX XXXX and have placed this account in dispute over 5 times and sent disputes via US postal service and XXXX XXXX XXXX has yet to update my credit report as such ... XXXX XXXX services have since deleted their trademark from my credit file with all 3 major bureaus but XXXX XXXX XXXX has yet to update my credit file... Thanks... I also have a complaint with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX ... I have placed this account in dispute with all 3 major credit bureaus at least 5 times and have sent in dispute via US postal service and they have yet to update the status as paid/settled... I paid this account off on XX/XX/23 in the amount of {$280.00} with XXXX XXXX XXXX .... XXXX XXXX XXXX have since deleted their trademark from my credit file with all 3 major credit bureaus but XXXX XXXX XXXX has yet to update my credit files..Thanks..
03/06/2020 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 19020
Web
3 years ago I pulled my credit report and saw ( 3 ) Companies listed on my credit bureaus showing I opened a line of credit with their Company ( Ginnys, XXXX and Main and Midnight Velvet ). I immediately contacted them and disputed the accounts. I told them they were not my accounts and I did not open the accounts. I asked if they could send me a copy of the application showing I opened the accounts. They refused, they told me that they send out catalogs with an offer to extend credit and my name was given to them via the list of applicants who are considered credit worthy and credit score is within a certain range. I immediately disputed the items on my credit bureaus. Per the credit bureaus the line of credit was opened on XX/XX/2016. After researching this issue I found out that one of my family members who lived with me at that time used my identity to obtain credit with these companies. I could not understand how credit could be extended to someone who never had access to my social security number. Well come to find out it is easy for just about anyone to get credit in your name from these companies. In order for me not to file charges against my family member, my family member offered to make a settlement with the companies and requested the items be removed from my credit report. I sent the letter offering 30 % settlement for all 3 companies. They responded and offered a 80 % settlement and told me that they would not remove it from my credit report and they would only list it as a settlement for less than full balance. I need to know what action can I take against this company for allowing this to happen. I am the victim here and after sending several letters, disputing my credit report and hiring several legal companies to dispute the items as well they still refuse to make good on their ability to allow someone to commit identity theft against me. I am willing to get an attorney who can fight this for me. I had an attorney who was assisting me with some business matters but they suggested I file a complaint with the CFPB office. Get this on record. I need help here. I will not file charges against my family member. They did however offer to settle this matter with these companies in which they do not have a lot of money. This company should not have allowed anyone to be allowed credit in my name so easily. They know exactly what they are doing. And to them it does not matter, but it matters to me.
07/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 17046
Web Older American
XXXX XXXX, Account NO. XXXX, XX/XX/2011, Account Opened. XXXX XXXX XXXX, XXXX, WI XXXX. Has my account as reported to XXXX, as Revolving Charge Account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
07/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 17046
Web Older American
XXXX XXXX. Account No. : XXXX XXXX XXXX XXXX XXXX, WI XXXX. Opened : XX/XX/2009 Has my account as reported to XXXX as a revolving charge account. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
07/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 17046
Web Older American
XXXX XXXX, XXXX XXXX XXXX, XXXX, WI XXXX, Account No. XXXX. Account XXXX : XX/XX/2012. Has my account as reported to XXXX as a charge off. This account is not mine. It does not belong to me. All the credit bureaus : XXXX and XXXX has removed this account from my credit report. The address used by XXXX XXXX does not belong to me. Whatever address they have that allegedley conducted buisness is not my address. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureau : XXXX.
01/04/2017 No
  • Credit card
  • Credit determination
  • MS
  • 39402
Web
I have had a credit account with The Swiss Colony for years. I only really use it at XXXX time to send XXXX gifts to friends and family. I get catalogs from them all the time and right in the front of the catalog is a page that tells you what your credit limit is and what the payment will be if you charge that much. My current credit limit is {$1200.00}. I have not used any of it as I paid the card off earlier in the year. I have never charged more then a couple hundred bucks on it ever in any case. I decided to use it again this year to order 4 products to send to my husband 's family. I placed the order on XXXX and sent it off as I have done every year for years. I assumed my order would be processed and sent out as it has always been. I checked on the order around the XXXX and found out that they had decided that my credit limit was reached and that I needed to send it a check for the full amount of the order which was around {$150.00} - and they did n't even tell me until I called in. I have many problems with this. In the first place it says right in their catalog and also on the My Account page on their online store that I have {$1200.00} of credit. There was no notice of any problems or turning down the order until I called in. Magically several days after that I did receive a letter telling me that they would not honor the order and that I needed to pay the amount of the order in order to have it sent out. It was too late for me to reorder anything else and so I just told them to cancel the order. I have written a letter to them including the credit info but also told them I would report them to your agency. I do not think it is right when a customer has been a good customer for years and has paid their bills and paid the account off, only to find that you have been cut off with notice before you place an important XXXX order. I do not like their non-loyalty of a customer or their lackadaisical attitude of notifying a customer of what is happening when you assume that things are happening and that gifts you have ordered will be taken care of as they always had been when previously ordering from this same company. I do n't think it is right to tell a person they have {$1200.00} of credit only to change that at the eleventh hour and not make sure that give that person time to reorder or make a decision regarding that order.
01/11/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OR
  • 97030
Web Older American
On XX/XX/XXXX, I placed two individual orders from an XXXX catalog I received : I opened a credit account for {$750.00} for the 1st Order # XXXX. This totaled {$750.00} ( incl. Shipping/Handling fees ). This order included a number of items ; however, I only received one item, XXXX ( 2 ea. ) ; High-Waist Control Legging ( Size 3x Black ) ; {$59.00} each : total cost being {$110.00}. XXXX/XXXX emails later stated delivery was made, though I received no such deliveries. I reported non-delivery details to XXXX staff on XX/XX/XXXX via telephone call. I was advised that credit would be issued to my account for the items ordered that I did not receive. I was further advised not to contact XXXX personally because this would interfere with XXXX XXXX responsibility in the process. [ XXXX issues of non-delivery to many customers in the XXXX XXXX geographic area has been a recurring news story on local television. ] I also want to point out that Item XXXX XXXX were actually received in a package delivered by USPS that contained one item from Order # XXXX ( Size 2x Bomber Jacket ), which was from a different order I subsequently placed. I have fully paid for the leggings received from XXXX # XXXX [ checks written : XX/XX/XXXX for {$40.00} ; XX/XX/XXXX for {$45.00} ; XX/XX/XXXX for {$50.00} -- this last payment would have generously covered all interest against the leggings total cost of {$110.00}! It would also either reduce my account balance to {$0.00} or reveal a credit on this account!! I fully paid off the second order ( this was also placed on XX/XX/XXXX ) with XXXX. I wrote out a check on XX/XX/XXXX for {$300.00}. I owe this company no money ; I choose to do no further business with them either! I wrote XXXX XX/XX/XXXX, as soon as I received their first statement -- contesting their reporting. XXXX has not issued the credits due me. XXXX continues to improperly bill me. XXXX in my opinion, continues to illegally charge accrued interest to my account. XXXX has not even bothered to respond to that letter of XXXX/XXXX/XXXX. XXXX XXXX latest bill received shows a " New Balance '' of {$630.00} with a " Payment Due Date '' of XX/XX/XXXX. It also contains a " Finance Charge '' dated XX/XX/XXXX of {$13.00}. These actions to date will negatively impact my credit rating -- through no fault of mine.
02/06/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27834
Web
This company Seventh Avenue had charged me {$20.00} for a shipping charge. I had placed an order with the company in XXXX. I ordered XXXX pair of curtains. Remind you that I had to pay for the shipping and handling before they would send the merchandise to my address. I received the merchandise and did not like the them at all. I let the company know that I was unsatisfied with the merchandise and wanted to return them back to the company. They wanted me to print out a returned shipping label and send it back and I did. Later they sent me a notice to pay them a shipping fee charge. I did n't understand why because I felt like it was unfair. I paid to get it shipped out and they let me print out a no charge shipping label to return it back to the company, which I thought was fair. I did n't get anything else for them. Now they have this shipping charge fee on my credit report as negative, charged off {$20.00} written off {$20.00}, past due as of XX/XX/XXXX. This is not right at all. I had written to this company about I am disputing this item and wanted them to prove it by validating this account with documentation bearing my signature. They responded by saying I had nothing to dispute. After 30 days, they never put the disputed by consumer onto my credit report. They broke the law. I want this entry deleted. I had written a letter to them about settling this account in exchange to delete the negative remarks from my files. They never responded back. I had also written letters to XXXX XXXX, XXXX and XXXX to investigate the entry on my credit report and they responded by saying the company validated the account was mine. They also never put the disputed by consumer on my report either. They did not verify the company properly because I wanted copies from the company bearing my signature associate with the account that I owe the money to them. Seventh Avenue have completely avoided me and my letters and they have broken the FCRA law. I wanted to pay the {$20.00} in exchange for them to remove the negative remarks, now I am willing to go to small claim court against the company. I will be seeking {$5000.00} in damages for 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA. Very serious and willing to make that move if this entry is not deleted.
05/30/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • PA
  • 17046
Web Older American
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , WI XXXX ( XXXX ) XXXX XX/XX/XXXX Date Opened XX/XX/XXXX Date Closed Individual Account Revolving Account CHARGE ACCOUNT Balance : {$170.00} Company named above claims I have a unpaid balance charge off. Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$170.00} dollars in XX/XX/XXXX. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statue of limitation ; 2. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 3. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 5. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, buisness, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX ; XXXX and XXXX.
10/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89123
Web
Hello. I suffered from XXXX the end two months of XXXX and beginning of XXXX. When I recovered enough to monitor my credit scores as I usually do at least weekly, sometimes daily. I also noticed missed calls and then letters/bills from Montgomery Wards . I remember thinking, when my friend applied, that I did not know Montgomery Ward still exists. No disrespect. I picked some pajamas for my XXXX XXXX, but XXXX wanted like {$150.00} deposit. I did not want to do that, so I did not order. Furthermore, I received a letter saying if I paid the down payment, I could get the personalized pajamas. Now I am getting bills for items I never purchased or even received. I have called and disputed this whole account opening, since I never paid the down payment to place my first order. I moved and gave Wards my new address to send me something saying they would remove it from my credit reports and I see the name is changed to my actual first name, not the shortened name ( which I would never use and is a masculine form ) that originally was on the account. This fraudulent account is bringing my credit scores down because it is being reported as mine, and never paid on. The letter from Montgomery Wards instructed me to go to this website and dispute it. I already have with the credit bureaus, police, FTC. I do not know what to do next! Likewise, I also was used fraudulently for unemployment benefits, credit cards, and hard inquiries and more. Apparently, I am told that I am on the dark web by a security feature. I have called Wards several times and in XXXX they sent me the letter saying to contact XXXX Unemployment is investigating who filed for benefits and received over {$10000.00} in my name. Someone used my information in XX/XX/XXXX. I unfortunately had to file in XX/XX/XXXX. Then wait 8 months to prove I am me. I received a letter stating I am being sued for a payday loan. I never took out a payday loan. ANYWHERE and for {$1800.00}. I have lots of fine, expensive jewelry I would pawn before I would get a payday loan Two different bank accounts have been opened in my name. I found out when they sent me new account information and when mail was returned to the bank. I tried to get information like address debit card is being mailed to, opened both online.
02/02/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79720
Web Servicemember
On or about XX/XX/2017 ; I obtained a copy of my personal credit report from the 3 major credit bureaus ( XXXX, XXXX and XXXX ). I noticed an entry from a company named XXXX XXXX that is incorrect. Research revelaed that the organization falls under the umbrella of Colony Brands , Inc ; a conglomerate of mail order companies. Knowing that this account is not mine, on XX/XX/XXXX, I sent a letter certified mail requesting VALIDATION of this debt with any proof bearing my signature. This is the burden of proof set forth by the Fair Credit Reporting Act ( FCRA ). I have requested that this organization produce any documentation to include an application for credit or any type of contract that bears my signature to VALIDATE this debt. They continually refuse to provide this information, yet this organization has sent me a copy of a bill, that does not meet the burden of proof according to an opinion letter issued by FTC Commissioner XXXX that is attached to this complaint. On or about XX/XX/XXXX, I again sent correspondence via certified mail requesting VALIDATION of this debt ; requesting that the organization provide me with copies of ANY documentation that bears my signature. They have failed to provide any VALIDATION whatsoever that the account is my responsibility, yet they continue to incorrectly report this debt on my personal credit reports. Additionally, this organization is in violation of Section 392.101 of the Texas Finance Code ; which states that debt collectors engaging in debt collection in the State of Texas must obtain a surety bond and have this information on file with the Texas Office of the Secretary of State. This requirement applies to third party debt collectors as well as companies attempting to collect thier own debts. I would say that reporting negative information to ones credit bureau file is an attempt to collect a debt. In conclusion, this organization has not met the burden of proof and VALIDATED that the account in question actually belongs to me and is my responsibility. They have provided no proof of account ownership that bears my signature. This is a direct violation of the FCRA that requires this VALIDATION for an organization to continue to report negative items on my credit bureau file.
01/05/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IL
  • 60050
Web
On XX/XX/2018 I became aware that my Identity was being used to open and attain credit card accounts through the " XXXX '' service. On XX/XX/2018 I went to a post office explaining that I was a victim of identity theft and I needed to change my address. With I.D . in hand I handed over the appropriate address change card. A result of my change of address was the suspect was notified by procedure via the mail that I was changing my address. XXXX XXXX XXXX then changed my address when the USPS sent notification to the address, she is residing in. Potentially receiving mail sent to me on disputes. XX/XX/2018 Filed an Identity Theft with the FTC and have report # XXXX On XX/XX/2018 I was told of the fraudulent address change by the USPS that occurred XX/XX/2018, and that is where my mail has been going. On XX/XX/2018 I was in contact with the Postal Inspection Service, received my first case number from them, I have multiple case numbers now, XXXX, XXXX, and Reference # XXXX. XX/XX/2018 My USPS agent requested additional monies from me ( {$10.00} ) for a package that had an address on XXXX XXXX XXXX. that had been forwarded from the XXXX XXXX XXXX. He also had a letter that was addressed to me at a XXXX XXXX in XXXX that had been forwarded in the same manner. The package and the letter were from XXXX XXXX, something I had no knowledge of prior. Inside the package was a customer Order Summary which said {$660.00} was being billed to me, the order date was XX/XX/2018, I had completed a Credit Freeze and Fraud Alert on XX/XX/2018 with XXXX, XXXX and XXXX. XX/XX/2018 I called XXXX XXXX at XXXX, spoke to XXXX ( XXXX ) in Loss Prevention. XXXX said there was not a credit freeze when the order was taken, and six of the products had been delivered in two boxes, with XXXX dropping them off at the XXXX XXXX XXXX, and the mail carrier had delivered them to XXXX XXXX XXXX. During that call I informed them that my identity had been stolen, and the account is a fraud. I did not apply for the card/account, they have a fraudulent application in my name. I gave my name and personnel information, notified of my actual address and a phone number so that I could be reached in the future. That call was at XXXX for 40 Minutes.
10/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95358
Web
To whom this may concern : I am writing this complaint, because I have been trying to get a 30 day late payment off of my credit report. Ginny 's has been reporting a late payment on my account since XX/XX/XXXX. I have disputed this issue with the credit bureaus, XXXX XXXX and XXXX, it does not show up on XXXX. I have called and have spoke with several different representatives and have been told that this account can't be undated, corrected, or changed with them and was directed to the credit bureaus. And was told the same from XXXX and XXXX XXXX both say verified in the response. I spoke with someone on XX/XX/XXXX and asked to have the notes from that conversation to be sent so I could include those in this complaint. As of XX/XX/XXXX. That is the day I started this claim, I checked my XXXX account, and it is stated that my account with Ginny 's has been closed. It won't even show on my XXXX XXXX account. I called, and spoke with XXXX, asked about notes from the XX/XX/XXXX call, she said no call was on file for that date. Ask no call? Was told the last time it shows I called was in XXXX of XXXX, she also stated that my account was closed on XXXX of XXXX, and the last payment that they received was XX/XX/XXXX I asked several times are these dates accurate, and was told yes. I asked to speak with a supervisor ( XXXX ) which she told me I needed to call back and speak with someone in the credit dept since they were closed. I ask was the account open and active, she said yes. So I asked to place an order and was advised that their maybe a hard inquiry if I did, even though she said that my account was open and active. I find it very stressful, exhausting, and a bit frustrating at times to speak to so many different representatives and get different answers and reasons why my account is reporting late and nothing can be done. And now to look and my account is closed, so much more damage to my credit report, than that 30 day late now. Payment history, age of account, tradeline. It feels like retaliation to my calls and disputes. This claim is to get this issue corrected, and also to help anyone to avoid going through this situation. Thank you in advance.
11/07/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • XXXXX
Web Older American
I am a Senior Citizens that was diagnosed with XXXX XXXX and treatments limited my monthly funds. My funds was cut in half so I continued to pay this company. Now I no longer work because the XXXX metastasized and treatments are harsh. I am waiting on a decision for my Social Security that will much less that a salary. I want to make payments on items I purchased not someone else. I've had several notifications of a Breach of Data where information was compromised. Colony Brands was initially helpful I placed a Fraud Alert on all credit bureaus and it worked for a period of time but accounts started again. I went back to place a Freeze on all credit reports but there had been additional purchases on the Colony Brands accounts. Initially, it was their practices to contact me before approving any new purchases but they stopped. As i explained to them, I thought it was strange my other creditors did not have any account issues.Most of my creditors worked with me in resolving the issue and notified me each time there were purchases or an attempt to open other accounts. I've been trying to resolve issue with Colony Brands without success. I spoke with XXXX XXXX in which I thought we came to an agreement about the accounts. XXXX was more concern with me paying off the account without removing unauthorized charges and any related finance charge. I've had difficulty with other stores within Colony Brands I filed a report with Federal Trade Commission for Identity Theft and found this company is having issues with unauthorized purchases. Now they want to hold me responsible for the unauthorized purchases and demanded the money. My experience with Colony Brands have been they will tell XXXX what they will do but later tell me something different. They said they were sending the a FTC Affidavit for Identity Theft but never sent it. Later I received a letter stating I need to pay the entire amount whether I purchased or not it came to me. I would not know that anything was purchase because they did not confirm it was me placing the order. It is on all my credit reports that states not to add purchase or open an account without contacting me.
05/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 53218
Web
I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. # 1 Problem with XXXX is I sent a letter to XXXX On XX/XX/XXXX and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. XXXX claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX To let them know these accounts not mine SEVENTH AVENUE XXXX and MONTGOMERY WARD XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, Seventh Avenue and Montgomery Ward ignoring me. I sent another letter on XX/XX/XXXX to XXXX asking them to remove these accounts from my credit report and they still ignored my request. XX/XX/XXXX I contacted Seventh Avenue, Montgomery Ward and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. ON XX/XX/XXXX I wrote another lettre to XXXX letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. XXXX letters sent to these companies and nothing done to resolvee
05/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • WI
  • 53218
Web
I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. # 1 Problem with XXXX is I sent a letter to XXXX On XX/XX/XXXX and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. XXXX claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX To let them know these accounts not mine SEVENTH AVENUE XXXX and MONTGOMERY WARD XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, Seventh Avenue and Montgomery Ward ignoring me. I sent another letter on XX/XX/XXXX to XXXX asking them to remove these accounts from my credit report and they still ignored my request. XX/XX/XXXX I contacted Seventh Avenue, Montgomery Ward and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. ON XX/XX/XXXX I wrote another lettre to XXXX letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. XXXX letters sent to these companies and nothing done to resolvee
01/07/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MI
  • 48038
Web
XXXX ) MONTGOMERY WARDXXXX XXXX... XX/XX/XXXX... XXXX : {$310.00} XXXX ) GINNY'S/ XXXX... XX/XX/XXXX... XXXX : {$200.00} XXXX ) MONROE & MAINXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : {$100.00} XXXX ) XXXX XXXX OPENED... XX/XX/XXXX... XXXX : {$420.00} XXXX ) ASHRO/ OPENED... XX/XX/XXXX... XXXX : {$290.00} THESE ACCOUNTS WERE NOT MINE. I AM WORKING WITH FEDERAL TRADE COMMISSION, XXXX, XXXX, XXXX, AND XXXX. PLEASE SEND ME THE ORIGINAL COTRACT OF THESE ACCUNTS OTHERWISE PLEASE REMOVE THESE ACCOUNTS FROM ALL ( XXXX ) XXXX OF MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR OVER 20 YEARS. I AM XXXX XXXX XXXX, AND SOMEONE HAS KEPT ME FROM EVER HAVING ANYTHING. I WAS HAVING MY XXXX XXXX AT THE TIME OF THIS UNFORTUNATE WAS HAPPENING TO ME. I HAVE NOT APPLIED FOR ANY CREDIT WITH NO COMPANY SINCE FRIDAY ... XX/XX/XXXX. I HAVE NOT APPLIED FOR ANYTHING. I MUST GET HELP ABOUT MY ACCUNT. I HAVE BEEN IN EVERY BREECH THERE IS KNOW TO MAN. LIKE XXXX. I HAVE LOST SOOOOOO MUCH. I HAVE NEVER EVER BEEN ALBE TO DO ANYTHING WITH MY LIFE DO TO THIS. I AM A WIDOW 3 TIMES AND I AM OUT HERE BY MYSELF WHICH IS OK IF MY NAME AND SOCIAL WAS NOT USED FRAUDULENTLY. PLEASE HELP ME... THIS HAS BEEN GOING ON OVER HALF MY LIFE. ALSO CAN YOU CHECK TO SEE ... .WHY XXXX XXXX NEVER REPORT MY MONTHLY PAYMENT TO THEM SINCE I HAD MY CAR ON FRIDAY ... XX/XX/XXXX. MY SCORE WOULD BE PERFECT IF THEY WOULD HAVE BEEN REPORTING MY PAYMENTS FOR OVER 5 YEARS NOW. AND YOU KNOW... ..IF I HAVE NOT BEEN PAYING ON THIS VECHILE FOR 5 YEARS NOW ... .THEY WOULD HAVE BEEN REPOSSED THE CAR. IT'S LIKE I CAME IN THIS WORLD TO HELP OTHERS, THAT IS WHY I BECAME A XXXX, TO HELP OTHERS. BUT LOOK WHAT IS HAPPENING AND WHAT'S BEEN HAPPENING TO ME OVER HALF MY LIFE. I AM A STRONG WOMAN BUT THIS HAS BEEN GOING ON SOOOOOOO LONG NOW, I DON'T THINK I HAVE ANY MORE STRENGHT TO KEEP GOING THROUGH THIS. I MUST FOCUS ON MY NEW LIFE THAT GOD HAS GIVEN ME. PLUS I'M GETTING READY TO GIVE MY SON A XXXX. PLEASE KEEP US IN YOUR PRAYERS AND WE WILL DO THE SAME. PLEASE FIX THIS ... THANK YOU GOD BLESS STAY SAFE XXXX XXXX
01/20/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79720
Web Servicemember
A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as Colony Brands , Inc . These 2 entities are XXXX XXXX and XXXX XXXX XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.
01/21/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79720
Web Servicemember
A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as XXXX XXXX , XXXX . These 2 entities are XXXX XXXX and XXXX XXXX XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.
01/17/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30013
Web
I initially began disputing this account with each of the credit bureaus in XX/XX/XXXX. The responses from the bureaus reflected that this account entry was verified. I sent XXXX 's a letter ( see attached ) in XX/XX/XXXX, requesting that they investigate this account. My formal request included informing them that each of the 3 bureau reflected a different charge off date. This was the first inaccuracy. Additionally, I requested that they submit a payment history of the account as well as the accounting ledger they maintained that reflects all payments made. Too, this would verify that the amount alleged as owed is indeed accurate and more importantly, it would reflect when this account was charged off as well as if XXXX 's wrote the account off as a profit and loss. I received documentation from XXXX 's dated XX/XX/XXXX ( see attached ) which was over a year old from when I actually submitted a dispute. How then was this company able to send me a letter dated for XX/XX/XXXX when my initial dispute to them was in XX/XX/XXXX? As reflected on the letter, XXXX XXXX ( as signed ) stated this response she provided was based on my inquiry, yet as I have mentioned, I only requested this information in XX/XX/XXXX. It appears this letter is backdated in order for them to cover up the fact that they are violating my consumer rights. Included within this letter was a check dated for XX/XX/XXXX. If this was the only payment made, then why did they not provide me a clear registry that reflects this. Also, they again did NOT honor my request to prove that the balance they are alleging I owe is accurate, timely and verifiable. What is the actual charge off date? Where are the summaries of payment history for this account? What does the general ledger account reflect for this account? All of this requested information should be housed with XXXX 's and provided to me upon request. It 's obvious this company can not substantiate their reporting as the FDCPA outlines as well as the FCRA ; therefore, this entry must be DELETED!
03/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 770XX
Web
On XX/XX/2020, Ginnys and XXXX XXXX XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a Senior Citizen these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries ( credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. If you have received an item from one of the following - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ginny 's, The Swiss ColonyXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud
03/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 770XX
Web
On XX/XX/2020, Ginnys and XXXX and XXXX added derogatory information to my credit report that is due to Identity Theft. I notified both companies and was told they would mail an FTC identity Theft packet. I waited for the packet 2 months or more so I contacted FTC. I completed the packet online and forwarded it to both companies and credit bureaus. Although continued to get calls from the companies, customer service stated takes a while and I would receive letter. Assuming they followed the guidelines for fraudulent accounts, I did not think there would be an issue. Due to FrUd Alerts andmy credit report frozen, it would prevent any other issue. In reviewing, XXXX Alert, I am not the only customer with the issue. It appears there has been more identity theft issue with all the Colony Brands companies. Since I am a XXXX XXXX these companies felt I would be more susceptible to their collection tactics with one damaging my credit. Now I find out that they've sold my credit information n.v action to other companies along being one of the victims of several Data Breaches.Recent Fraudulent Activity Recently many businesses, in a variety of consumer related industries XXXX credit cards, mortgage lending, health care, etc. ), have seen increases in attempted identity theft. While our existing security procedures prevented the overwhelming majority of the fraud attempts from being successful, we dont catch them all. As a company, we take this very seriously and are constantly vigilant in taking steps to counter these attempts. In addition, all of our retail companies are working diligently to investigate and resolve all consumer complaints related to this issue. If you have received an item from one of the following - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX & XXXX, Ginny 's, The Swiss Colony, XXXX XXXX, XXXX XXXX XXXX, XXXX or XXXX XXXX XXXX - that you did not order, or you received a notice indicating advance payment is required for an item you did not order to be shipped, you may be a victim of this fraud
06/01/2017 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • XXXXX
Web
I Called XXXX XXXX starting on XX/XX/XXXX to resolve at debt that I owed in the amount of {$320.00}. this company could not find my account. I informed them that it was in Collections, they then informed me to call the collections agency that they no longer had that account. I then called the collection agency and they could not find the account. I had a order number that I gave the collection agency and they were able to find my account. the collection agency then informed me that they returned the account back to XXXX XXXX. I then called XXXX XXXX on XX/XX/XXXX and informed them that the collection agency says they no longer have that account and I gave XXXX XXXX my file number once again and they were able to find the account. I asked if i should pay them, XXXX XXXX, or the Collection Agency they said that i could pay either one. Before agreeing to pay i asked the associate that i spoke to " Once payment is made in full will the Charge Off be removed from my credit report and He answered yes.I then asked him if he was sure he repeated yes, he assured me as soon as there office receive full payment that the charge off would be removed from both credit bureaus.I sent a cashiers check in the amount of {$320.00} to XXXX XXXX XXXX XXXX. I then called XXXX XXXX Back after payment was made, spoke with a supervisor and He said that they would not be removing the charge Off from my credit report. He Said " that he could but he would not because it is not company policy ''. I informed him of the conversation that i had with one of their Associates and i gave him that persons name. I explained to him that that was unlawful what they did to me.He then apologized and said he was going to have a coaching/training meeting this supervisor said that he that he could return my money and leave the credit report as it was.This is Larceny by conversion and this company has yet to report the the Credit Bureau that the debt has been paid in full.
09/27/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • NY
  • 137XX
Web
I was called on XXXX XXXX to make payment -at the time I did not have the money - 4 days later I called this very company to make full payments on all the companies they work through -call was recorded - I paid all my accounts that the customer service rep could see that had a balance - I asked about XXXX account and the lady said there was no balance showing. XXXX XXXX XXXX call me dunning me for a payment- I had made all my payments to my knowledge ( XXXX other companies- they sister with ) if the balance for XXXX themselfs would have been visable to the customer service rep that account would have been paid off also.Now after I have been verbally assaulted by XXXX of there debt collectors and told " good Luck with getting this off your credit report '', they had turned it over to a credit collector in TX - I have made it very clear to this company XXXX when I 'm able to pay the balance I would- I have been under going several medical procedures and treatments do to a car accident and I 'm barely squeeking by month by month on No-Fault insurance payments! This is why I tried to pay ALL of my accts XXXX XXXX because I knew I was going to be under going these treatments and money was going to be non existing - So now Company is Destroying my credit scores by reporting this to the credit agencies and I have worked my but off trying to get scores up so to better my living arrangements - they are illegally punishing me for there lack of available information for there customer service reps- Does it make since I would pay off all my other accounts but not this XXXX? I have proof of the payments made through XXXX payment center on XXXX they had the information avalible to customer service rep it would also have been paid off! I do not have money on demand at their error-I paid all accounts with my tax return money so this needs to be pulled off my credit NOW because this was and is their fault not mine!
11/21/2017 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • XXXXX
Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
11/21/2017 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • XXXXX
Web
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
08/02/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NV
  • 89147
Web
I have an account with XXXX XXXX only one account. I placed an order that can to my hotel address, because I travel for work. I have only one address, but my debit cards are from two different states, because I worked in Texas for over 1 year and I have a mailbox in that state. When I make a payment is should not matter which card I use. Because I used a different debit card, XXXX XXXX has opened a new account with out my permission. I had a problem similar in the past and the company was supposed to merged the accounts together. It should not matter which credit card I use to make a payment as long as I pay the bill. Each time I placed an order, I always had a different shipping address, because I might be on assignment for a few months and see an item that I want to purchase. I am truly concern, because the new order that I placed in XX/XX/XXXX still had my permanent address and suppose to be corrected. I get a call on Monday and today from a representative telling me I we {$35.00} on my account, even though I paid {$50.00}. I was told that the company was unable to mergethe accounts. I only signed up for one account and I should not be paying for 2 accounts. I thinkthat this practice needs to be investigated. I am offended that I have to pay on two accounts. I was also told that it could take 30 days or longer. I paid {$40.00} for this account that I never new about so that my account would be reflected in a negative manner, but I was told today that I will have to make another payment on this second account again XX/XX/XXXX. This is not accepted, I only have one mailing address not two, But I have more than one debit account from two different states. At first I had stopped ordering, because I was waiting until I lost weight. Now this company is opening a new account as I order items. This is not acceptable and I was not notified. Please investigate this practice.
04/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • ID
  • 83301
Web Servicemember
Montgomery Wards is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Montgomery Wards to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
04/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • ID
  • 83301
Web Servicemember
XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
05/10/2017 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • NC
  • 27834
Web
Swiss Colony has been a thorn in my XXXX . This company have sold the original account under my name and social security number to a collection company called XXXX . I have complaint on Swiss Colony many times about the account is not mine and I have went through the credit agencies as far as placing a fraudulent alert on my credit files b ecause of Swiss Colony not believing me. Now XXXX have written me a letter to collect a debt for Swiss Colony but Swiss Colony still ha ve this account open on my credit files as of today. Okay, my mother have paid this account for me. On the letter from XXXX , they mentioned that I can pay a discount of 50 % of the asking pric e Swiss Colony is asking for which is {$130.00} and 50 % of that is {$68.00}, paid. My mom paid it for me on the XXXX / XXXX / 2017 with her bank card XXXX XXXX . I had received a letter from XXXX on the XXXX / XXXX / 2017 . My mom paid the 50 % for me so Swiss Colony can closed the account, but they never did. Swiss Colony still have this account current and open a fter they have sold the account to XXXX . Also, I have disputed Swiss Colony account before the collection agency brought the account and Swiss colony still have not place the statement on my credit files that I have disputed the account by asking them to provide any information under my name and social security number to validity of the debt that I owe to them . Swiss Colony knows that the debt is paid and they still have the account open and current on my credit files. If they dont delete their entry from all my credit files I will take them to small claim court. I have proof of everything that could have them pay me for their lack of communications and lack of their actions to clear this situation/matter up. XXXX have proof th at Swiss Colony debt under my name and social security number is paid.
06/04/2019 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80634
Web
I was made aware of an account in my married name of in XX/XX/XXXX through the company XXXX XXXX. This is not an account that I opened, I believe it was opened by my ex-husband in XXXX. In XX/XX/XXXX the account showed up on my credit report as a charged off account. I was trying to refinance my home at this time. I called XXXX XXXX and explained that I never opened account with their company, I never received any of their merchandise and I asked for them to provide me the documentation that they used to open the account. They never provided me with any information and they refused to remove the account from my credit report. My mortgage refinance was stuck because of this issue. I then paid off the account despite the account not being mine. I spoke to XXXX who is a customer service representative at XXXX XXXX and she told me that they would delete the account from my credit report immediately upon me paying off the account balance. I paid the account off in XX/XX/XXXX. Since paying off the account I have called every month to get it removed from my credit report as I was told it would be. Today I spoke with XXXX another customer service representative at XXXX XXXX. She was the third representative that I spoke with today. I had to explain my situation three times before anyone would help me. I explained to XXXX that I was told the account would be deleted once the payment was received. She placed me on a long hold. When she returned to the phone she told me the account will be deleted from my credit report 7 years from the date it was reported despite the account being at a {$0.00} balance and despite me telling them that I did not open the account. I also previously disputed the account. XXXX XXXX never responded with anyone to show that this was my account. I paid them off in good faith that they would remove the account like they promised.
03/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • TX
  • 75040
Web
I learned that a negative action in the amount of {$2900.00} is repeatedly being reported as accurately being mine, although I have no knowledge of the stated account, that was opened in XX/XX/XXXX. My first knowledge of this fraudulent account is XX/XX/XXXX. The company name is XXXX XXXX, which I have never had an account nor had I ever heard of them until this fraudulent account appeared on my XXXX credit report. I later learned, that it has been reported to XXXX and XXXX as well. After learning, that this fraudulent item was on my report I called & spoke with the credit department at XXXX XXXX and informed them, that I have no knowledge of this account. They said that the merchandise was delivered to an address on XXXX XXXX, in XXXX, TX. I have Never Resided at the address, that they allegedly sent merchandise. I have resided at my current address where I pay mortgage, for the past 27yrs. Also the person that I spoke with in credit department of XXXX XXXX stated a one time payment in the amount of {$100.00} was made toward this fraudulent account. I told her that they should trace payment method & match any signatures against mine. I have paid all my creditors online directly, from my bank account for many years. All other ( legitimate ) accounts are in good standing. I believe in paying my debts, but it can be easily proven that XXXX XXXX is not my account through signature comparisons of whomever opened account & my own. Also again, I have never resided at address that merchandise was allegedly shipped to. I have also completed an affidavit on government website attesting, that this is a fraudulent account. Person that I spoke with said that they show a XXXX XXXX account, that was issued in my name in XXXX that is paid in full. I told her, that I have never owned a XXXX XXXX Account either and wish to file a dispute for both accounts.
07/22/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • VA
  • 22406
Web
My wife has XXXX XXXX XXXX for 12 years she has underwent 10 surgeries and has been working with 8 doctors specializing in her XXXX. I contacted The Swiss Colony to include all their affiliates ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX ) on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Trying to work a hardship repayment program due to the extraordinary circumstances with medical bills. I have been a customer with The Swiss Colony and all their affiliates for 30 years and they have always been flexible with my monthly payments up to 90 days of payments by accepting payments from me this way has always been agreed and became the standard. Never past due of 120 day until the medical bills. Understanding this is a catalogue store my concerns that never received and itemized statement each month so never sure what I truly owed but paid the required amount on each. When I requested a hardship payment plan they told me only as long as I can provide a letter from my wife 's doctor with medical proof. My wife has never been a joint account holder. My wife refused to provide any medical proof since she was not on any of the above accounts and was very upset due to her privacy. HIPPA ( Health Insurance Portability and Accountability Act is a law that protects medical information from being shared with others. Now my accounts are with XXXX XXXX XXXX XXXX XXXX, XXXX requesting {$4.00}, XXXX no other itemized listing. I will be sending them a Validation Letter of Debt IAW Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is not a good practice to request medical proof for any family member to assist in a hardship payment program. One would agree that a loyal customer for 30 years should be taken by his word when there is a hardship.
12/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 32084
Web
I have had an account with Swiss Colony LLC, ( retail sales, magazine and online ) for over 5 years and I order from them every year without a problem. This year there was a problem. I placed my order under my account and had it shipped to my wife. About a week later I noticed a credit inquiry on my wife 's XXXX report from Swiss Colony. Why?, I have the account and my wife has never applied to them. I called Swiss Colony to find out why there was in an inquiry on my wife 's report. I told them what the problem was and asked how and why would they inquire on my wife 's report and who authorized it. After about 20 minutes of them putting me on hold several times, this is the story they came back with. The order I had placed a few days before was put in my wife 's name to be billed, which is not true, it was actually put in my wife 's name to be " shipped. '' They told me at that point that had to create an account in my wife 's name and pull her credit. The only problem with that is that my wife never applied to open an account, never filled out any application, never provided her social security number and certainly never gave any form of authorization to pull her credit and create an account in her name. Swiss Colony sought out my wife 's personal information and from that obtained her social security number and proceeded to pull her credit without ANY authorization! HIGHLY ILLEGAL! When I told them what they had done was illegal and that my wife 's credit was hurt because of it, they responded with, we are sorry, but there is nothing we will do about it. I am reporting this because I am sure I am not the only person they are doing this to. I'm sure you if you look into it, they have created thousands of fake accounts under peoples names who don't even know about it. I'm telling you, this is just the tip of the iceberg!!!!!!
01/23/2017 No
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • FL
  • 33470
Web
7TH AVE ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you 7TH AVE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : 7TH AVE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
11/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TN
  • 374XX
Web
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) { Seventh Ave }. Making the report is NOT INCLUEDED on my Consumer report! A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the referenced account. YOU HAVE 10 CALENDER DAYS FROM THE RECEIPT OF THIS NOTICE TO DELETE TRANSACTION FROM MY CONSUMER REPORT AND SEND OUT A NOTICE THAT SAID TRANSACTION WAS IN FACT DELETED FROM MY CONSUMER REPORTS. Failure to respond satisfactorily with deletion of the above Transaction/Late Payments, will result in legal actions being taken against your company, for which I will also be seeking Actual Damages as a result of your failure to comply with the law and the sections of the Fair Credit Reporting Act for the following violations : Any Actual Damages Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
12/23/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 97527
Web
In XXXX when I came back from burying my mother I started recieving letters from Montgomery wards inside was a bill for I believe {$700.00}. I have never had any account with this company nor have ever had a credit card from them. Im not sure where this is coming from but I do know that I do not have any type of card with them. I disputed it because its not mine at all and they came back and told me it had been verified. This is a lie on someones part because in order to be verified I would have had to use this card somewhere and if thats the case please show me some proof. Im sure if I used this card anywhere there is a camera that has me using it. I know their isnt a camera or video on this earth that shows that because I never had any card from here. I dont know how they say its been verified and they are making me responsible and now I have all these bad things on my credit score. I want something done here. I cant take this stress. What really concerns me is everytime I have ever asked for credit, not XXXX time have I ever been approved for any credit card, so tell me how is it that another person or whoever or whatever is able to get a card? Thats very strange to me. Their is something fishy happening here and I will go as high as I can to get anwsers. Its my life and I have to suffer because of it and no one is helping me just causing more stress In my life. I just had to bury my mom because of covid and Im not in the best spirits and I refuse to allow someone to tell me I used a credit card I have never had. And I need to know when this card Was gotten? And who gave it to whoever it was given to? What kind of proof did they show when they were applying for this card? Thats what I need to figure out. This is very upsetting to me. Some of us cant sorry to bother u about this but Im lost as to what to do? Thank you
09/15/2017 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AR
  • 72116
Web
My complaint is against XXXX 's XXXX XXXX. This company is reporting that I have an alleged debt of {$230.00} owed to them. I have have spoken to them several times on the phone and sent them letters. My conversations that I have had date back to XXXX. I spoke with individuals in their collections department. I recently sent XXXX different letters requesting documentation. My first letter this year was in XXXX XXXX and the second was XXXX XXXX, XXXX. My verbal conversations and my letters are all based on the same premise. I want an audited statement of my account that validate that I owe {$230.00}, as they have reported to my credit reports. I want to see how they came to this. The account XXXX should have a history of payments from its conception. I want that history of payments. I have NOT in any way received anything that I requested. Instead, they responded to my XXXX letter by telling me that my attempt frivolous and not sending me any of the documentation that I requested. Frivolous, I do not not see how that is so. I have a right to see these documents if XXXX 's says that I owe this debt. Their response to my XXXX letter was a vague letter requesting that I send a form if I feel that my identity has been compromised. THIS was not in any way a response to the letter sent. I have been left dumbfound by this company. They will not do as I ask AT ALL and I have the RIGHT to the information that I have requested. On XXXX XXXX, XXXX I got a notification from the credit bureau that a new XXXX XXXX has been launched by XXXX 's. I have no idea what that is nor do I think they have the right to put something like that on my credit report without ANY advanced notification. I feel violated by this company. Where are my rights? They are functioning as though I do not have any. These violations constitute as my complaint.
02/24/2017 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OH
  • 43725
Web
This complaint is against the company Montgomery Ward which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Montgomery Ward website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. Please refer to support documents which verify the facts in this complaint. I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. The fact is that if the website says I owe nothing then I feel that I do not owe them anything. At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. I have had to change bank accounts to avoid them having any of my banking information. This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. Out of courtesy, i did send a letter to Montgomery Ward explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.
02/24/2017 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • OH
  • 43725
Web
This complaint is against the company Ginny 's which has extended tome a line of credit with a fixed payment amount. At the time of the problem my payment to them was XXXX dollars a month minimum. The basis of my complaint is that beginning on XX/XX/XXXX I was informed on the Ginny 's website that I owed them nothing. The payment amount which showed on the payment screen showed XXXX and the balance on the account was also XXXX. i checked this many times between then and today ( XX/XX/2017. Every time I logged on to my account i got the same information. They have tried insinuated but never clearly stated that this was a different account. Yet, it includes current information. Until I too my credit and debit card information off the account it had them posted even with updated information of recent changes to these cards. Please refer to support documents which verify the facts in this complaint. I will admit that the account numbers on the account did not match the ones on my bill which was sent in the mail. However, both accounts had the same information associated with them. The fact is that if the website says I owe nothing then I feel that I do not owe them anything. At this point I do not feel confident in allowing this company access to any of my personal information. They already have access to good portion of it. I have had to change bank accounts to avoid them having any of my banking information. This only a brief explanation of my complaint. I have provided a more detailed explanation with the support documents which accompany this complaint. Out of courtesy, i did send a letter to Ginny 's explaining my complaint. I never got a response on the letter nor even an acknowledgement of this problem. The letter I sent them is also included with the support documents.
03/09/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 99004
Web Servicemember
XX/XX/XXXX XXXX XXXX started charging me 2 interest rates on my 1 XXXX XXXX -charge account This is a credit card that can be only used to make perches on the XXXX XXXX web sit. I have had this account since XXXX AND HAVE NEVER BEEN LATE ON A PAYMENT OR MISSED A PAYMENT,,, I have been charged 23.94 % interest since XXXX, XX/XX/XXXX XXXX XXXX added a second interest rate of 25.99 %, 1. I was not give 45 days written notice and the option to opt out 2. i have never been late or missed a payment EVER 3. no part of my payment goes towards the balance i am paying 25.99 % on, the whole payment is being applied to the 23.99 % balance 4. I contacted XXXX XXXX through colony brands and was told he could not help me because he could not access my account. 5. I am being doubled billed ie when viewing my statement they lust last months balance this months balance and. new charge balance based on a daily balance for a 30 day billing period THIS IS DOUBLE BILLING,,, I have ALL STATEMENTS SINCE XXXX BUT CAN OLY INCLUDE 3 months of statements due to file size limit therefore I will provide 15 months of statements if requested 6. please note the 2 interest rates and the 25.99 % balance HAS NOT RECEIVED ANY PART OF MY MONTHLY PAYMENT AND HAS CONTINUED TO BE CHARGED 25.99 % NO PAY DOWN this a clear cut improper allocation of payment 7. I had to close my XXXX XXXX account because of FRAUD and they are reporting my account closed ultimately lowering my credit score however NOT ONCE DID XXXX XXXX REPORT MY PERFECT CREDIT HISTORY XXXX XXXX CUSTOMER SERVICE TOLD ME THEY FO NOT REPORT ON TIME PAYMENTS, I have never missed a payment but am being punished for closing my account because colony brands could not protect my account against fraud and even though i closed my ACCOUNT I STILL MAKE MY MONTHLY PAYMENTS ONTIME
10/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10459
Web
ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?
10/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10459
Web
ON XX/XX/19, I INITIALLY SENT LETTERS TO XXXX XXXX XXXX AND XXXX XXXX DISPUTING A DEBT BEING REPORTED TO THE CREDIT BUREAUS AND FOR THEM TO VALIDATE THIS DEBT. ON XX/XX/19, THEY RESPONDED WITH A PRINTOUT TRANSACTION SUMMARY FOR WHICH I SENT SUBSEQUENT LETTER ON XX/XX/19 DEMANDING THT THEY PROVIDE ME WITH ANY VIABLE EVIDENCE THAT THESE ACCOUNTS WERE MINE ( ie. SIGNED CONTRACT or ANYTHING BEARING MY SIGNATURE ) THAT GIVES THEM THE RIGHT TO COLLECT FROM ME OR REPORT THIS DEBT AGAINST ME. TO DATE THEY HAVE NOT DONE SO OR REFUSE TO. I HAVE NO RECORD OF EVER DOING BUSINESS WITH THESE COMPANIES AND HAVE DISPUTED THIS ALSO WITH THE BUREAUS, BUT THEY KEEP RESPONDING THAT THE DEBT IS VERIFIED WITHOUT OFFERING THE PROOF OF HOW THIS DEBT WAS VERIFIED. I HAVE REPEATEDLY ASKED THAT THE DEROGATORY INFORMATION BE DELETED AS THIS IS CAUSING SIGNIFICANT FINANCIAL HARM TO MY QUALITY OF LIFE AND IT WAS LAST YEAR AND SUBSEQUENTLY REINSTATED THIS YEAR WITHOUT ANY PRIOR NOTICE. THE REPORTING OF THIS DEROGATORY AND INCORRECT INFORMATION IS DETRIMENTAL TO ME AND MY FAMILY 'S QUALITY OF LIFE AND I REQUEST YOUR FURTHER ASSISTANCE IN HAVING IT REMOVED AS ALL MY PREVIOUS REQUESTS TO THE BUREAUS AND THESE TWO COMPANIES HAVE BEEN BLATANTLY IGNORED. PLEASE NOTE THAT XXXX HAS CHOSEN TO STALL THE PROCESS BY SENDING ME A LETTER ON XX/XX/19 REQUESTING I SEND INFORMATION TO VERIFY MY IDENTITY. THAT WAS DONE ON XX/XX/19 BUT ON XX/XX/19, THEY SENT ME THE SAME LETTER REQUESTING THE SAME INFORMATION AGAIN. THIS IS PAST THE 30 DAY WINDOW THAT THEY ARE REQUIRED TO CONDUCT THIS INVESTIGATION. XXXX RESPONDED TO MY SECOND LETTER WITH TWO POSTCARDS STATING IN SOME INSTANCES THEY ARE ABLE TO DETERMINE WHETHER DISPUTED INFORMATION SHOULD BE DELETED OR CHANGED. HOW CAN THAT BE, IF THE INFORMATION IS WRONG?
09/08/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 240XX
Web
Around XXXX & XXXX my credit report had invalid information which reported as Ginny 's XXXX XXXXXXXX XXXX XXXX WI XXXX stating I owed {$390.00} to which I did dispute with all three credit agencies and asked for verification, to which was never acknowledged by the credit agencies however remained on my report. I have made ongoing attempts to have this false information removed from my report. Ginny 's was removed after multiple disputes That this was not my debt. It has appeared on and off my credit report since XXXX. It showed XXXX removed this from my report XXXX, however this exact invalid information is currently showing on my credit report. I have no contract with Ginny 's therefore my personal private information was not to be provided. Ginny 's has violated my rights multiple times. The security of my personal information appears to not have the protection that it is supposed to have as stated under many laws. Ginny 's has placed false debt on my personal report hence the fact I disputed the invalid information on several occasions through the years. I ask that this false debt be removed from all 3 of the credit reports immediately or I'll further my complaint to Federal Government, as this is false information that has been randomly placed on my report which hinders my ability to have availability to potential credit offers or loans if needed. Ginny 's has defamed my character, trying to coerce me to pay a debt that is not mine ( Illegal Debt ) My credit report is getting handed to someone I have no contract with, nor did they have permission to have access to my private information. Please remove false debt Ginny 's, I have not given you or your employees permission to have my nonpublic personal information. You have infringed on my personal rights.
01/17/2017 No
  • Credit card
  • Arbitration
  • NC
  • 27834
Web
I have contacted this company called, Swiss Colony directly through mail letting them know that I am disputing this item on my credit report and also that this account is fraudulent because I never received the item they are charging me with {$130.00} on my credit report. I have seen that they have not place the notice that the item have been disputed by consumer. I know it 's been over 30 days and I am willing to go to court for their negligent. I want the item to be taken off all my credit reports. I have a fraudulent alert on all my credit reports because of this item from Swiss Colony sticking me with this unpaid account. They ca n't prove anything that this account is actually mine or if I have signed an agreement bearing my signature. They could n't provide the information to me. I just want the item to be removed from my credit report. I am so willing to forget going to court in exchange for them to remove the item off all my credit reports. I have letters to prove that I have written to them that I have disputed the item on my credit reports and they still have broken the law by not providing the dispute statement on my reports.I have also let them know that the account is not mine but they want me to get a police report to prove it. I told they that I always use Apt XXXX B to get my mails because of my neighbors beside me, it is possible that they could have receive the product from Swiss Colony and never report it. I did not order anything from them and they refuse to believe me and I want them to remove this account since they have closed it. The statement is still not on my reports after I have disputed the item. So they have broken the law and I want it removed off all my credit reports. Swiss Colony have violate the FCRA section 623 ( a ) ( 3 )
08/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 53218
Web
On XX/XX/2022 Montgomery Ward told me they WILL NOT remove my mother 's account from my credit report even after they identified in their letter that the account is not mine. How is this fair?? THEY REFUSED TO VALIDATE THE ACCOUNT AND CONDUCT A PROPER INVESTIGATION. THEY REFUSED TO SEND ME DOCUMENTS SUCH AS APPLICATION, CONTRACTS AND BILLS. IF THEY WOULD HAVE WENT THROUGHT THE VALIDATION OF THE ACCOUNT LIKE THE LAW TOLD THEM TO I WOULDN'T HAVE WASTED AN ENTIRE YEAR FIGHTING TO GET THEM TO REMOVE THE ACCOUNTS THAT BELONG TO MY MOM FROM MY CREDIT REPORT. THey can't base that an account is my responsibility when it clearly has someone else name and birthday because it was shipped to the same address. CLEARLY IN MY STATEMENT I SHOWED MY MOTHER HAS A SIMILAR NAME AND MONTGOMERY WARD ALSO SHOWED OUR NAME IS DIFFERENT ON THE ACCOUNT. This is really against the fair credit reporting act. How can they get away with putting an account that belongs to my mom on my credit report? What proof is there that I am responsible for my mother 's bills??? My name is XXXX, My mom is XXXX and they know this. We don't have the same birthday or the same social security number so why is it so hard for this to be corrected??? I sent my ID, Social Security Card and utility bill. Montgomery Ward CLEARLY SEE the difference with our name birthday and social security number!!!! XXXX also SEE the difference. I want this account deleted from my credit report as I have proven more than 10 times that it is not mine and it belongs to my mother. I did not cosign, and I am not listed on the credit application or any contracts!!!! These accounts do NOT BELONG TO ME and my driver 's license is attached again to show my birthday and name!!!!! SEVENTH AVENUE XXXX MONTGOMERY WARD XXXX XXXX XXXX
08/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 53218
Web
On XX/XX/2022 Montgomery Ward told me they WILL NOT remove my mother 's account from my credit report even after they identified in their letter that the account is not mine. How is this fair?? THEY REFUSED TO VALIDATE THE ACCOUNT AND CONDUCT A PROPER INVESTIGATION. THEY REFUSED TO SEND ME DOCUMENTS SUCH AS APPLICATION, CONTRACTS AND BILLS. IF THEY WOULD HAVE WENT THROUGHT THE VALIDATION OF THE ACCOUNT LIKE THE LAW TOLD THEM TO I WOULDN'T HAVE WASTED AN ENTIRE YEAR FIGHTING TO GET THEM TO REMOVE THE ACCOUNTS THAT BELONG TO MY MOM FROM MY CREDIT REPORT. THey can't base that an account is my responsibility when it clearly has someone else name and birthday because it was shipped to the same address. CLEARLY IN MY STATEMENT I SHOWED MY MOTHER HAS A SIMILAR NAME AND MONTGOMERY WARD ALSO SHOWED OUR NAME IS DIFFERENT ON THE ACCOUNT. This is really against the fair credit reporting act. How can they get away with putting an account that belongs to my mom on my credit report? What proof is there that I am responsible for my mother 's bills??? My name is XXXX, My mom is XXXX and they know this. We don't have the same birthday or the same social security number so why is it so hard for this to be corrected??? I sent my ID, Social Security Card and utility bill. Montgomery Ward CLEARLY SEE the difference with our name birthday and social security number!!!! XXXX also SEE the difference. I want this account deleted from my credit report as I have proven more than 10 times that it is not mine and it belongs to my mother. I did not cosign, and I am not listed on the credit application or any contracts!!!! These accounts do NOT BELONG TO ME and my driver 's license is attached again to show my birthday and name!!!!! SEVENTH AVENUE XXXX MONTGOMERY WARD XXXX XXXX XXXX
11/14/2020 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
  • WA
  • 983XX
Web
Hello, I contacted Through the XX/XX/XXXX, XXXX XXXX, XXXX ( All 3 same company 3 different accounts numbers ) about verifying my signatures and ownership on all 3 accounts. They have been reporting to my credit bureaus negative information. I have tried to dispute with credit reporting agency 's and they keep saying verified. Yet, I see no proof these accounts were mine. Therefore, I directly contacted the companies 45 days ago asking for signatures and proof. I have not received anything back from the company. The date was XX/XX/2020 on the letter and they received it on XXXX XXXX. I will attach a tracking number and delivery conformation. Below is the letter I sent. Thank you- XXXX XXXX Through the XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XX/XX/XXXX XXXX XX/XX/2020 To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Through theXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. XXXX Thank you for your prompt assistance in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX
02/25/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NM
  • 87121
Web Older American
In XXXX I opened one XXXX XXXX account. XXXX and XXXX of XXXX I ordered items from my account. I log into this account with my user name and password associated with the account and my account number. I pay my bills before the due date and every month. I tried to order items and I was denied and XXXX XXXX said I didn't have enough in my credit line and I knew I had more than I needed for what I was ordering. I started to receive late notices in my name and I ignored them due to me paying my bill for my account prior to the due date. I opened one to find out it had a different account number. When I called XXXX XXXX to question the manner they said that they opened the second account, without my knowledge or consent. I spoke to several people at XXXX XXXX regarding the mysterious bills and when asking for a supervisor the agents said " you can talk with me ''. XXXX XXXX, XXXX One agent said that they were getting me to a supervisor and when that person got on the phone they never said who they were or what role. I don't believe I ever spoke with a supervisor. I spoke to the " supervisor '' on XXXX XXXX, XXXX they explained that XXXX XXXX merged both of the accounts. XXXX XXXX 's opening the second account put me over my credit limit and now they're demanding money past due and my account has been flagged. I believe their should be some compensated because I took this serious and XXXX XXXX didn't. It was stressful talking with agents representing XXXX XXXX and stress from their fraudulent act of the second account. I contacted them several times over months because I was concerned about my credit and they treated me terrible. The worst part is this fraudulent account they opened in my name is messing with my credit report.
11/28/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30906
Web
the company at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Have attached themselves to my credit report stating i opened a account on XX/XX/2021 in XXXX, Texas, I never received a notice of approval, account number, nor merchandise from this company at the time in question there was and had been a freeze on my credit report for serveral years. i contact the company about this and upon contact they told me the acount was opened in XXXX, texas... I then immedialte informed the representative that ive never lived in texas i own my home and have lived in ti for over 20 years as well as there was and still is a freeze on my credit report. so the account couldn't be mine. and that i had never received any of there merchandise nor service at the time i found out they were on my credit report was second week of XXXX XXXX showing i was past due by {$400.00} and the all of a sudden out of the blue around the second week of XXXX XXXX i get a billing statement from swiss colony at my real present address. i contact the company again as well as XXXX about the matter, the agent at swiss colony told me they used public records to get my address, so again i asked them for the shipping address to where they sent merchandise in XXXX, texas or the address to where they had been sending statements before searching public records to obtain my address and i was told i could not have that information cause it was irrelevant. XXXX the account had been written off as bad and charge off on my credit. i filed a dispute with the credit agency and XXXX did nothing knowing very well i had a freeze on my account at the date of said account. i havent been able to get nothing resolved on neither end from the company nor XXXX.
01/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 183XX
Web
On XX/XX/2021, I placed an order with Ginny 's. I had not ordered from them in two years but when I last placed any order, all of my orders were paid on time. I previously ordered XX/XX/2021 and was told that I needed to place the order under my account on XX/XX/2021. The representative told me that I still had credit and that the previous order was somehow not placed on my account. I re-ordered through her and hung up the phone. I checked again online with Ginny 's on XX/XX/2021 and it said to contact customer service. I asked to speak with a supervisor and spoke with XXXX. XXXX indicated that I do not have credit and I asked her " did I not pay off all my accounts on time with Ginny 's and your sister companies. '' and she said, " that's not the issue ''. I asked her " where are you getting this information from if it is not from my credit report? '' and she said, " we have analysts that receive information. '' She would not tell me where they receive information from if it is not from the credit report. While this question and answer was going on XXXX was extremely sarcastic. She finally stated, " In processing the order, we decided not to approve this order. '' She never once stated that they used my credit report or that the reason of denial is due to my credit freeze. Even then with a freeze, you are allowed by the creditor to unfreeze your credit so that a decision can be made. This is a baseless decision of Ginny 's. I am beginning to think that this is discrimination based on racism since the sister companies that I previously mentioned that I used were for XXXX people. I know for sure that they did not check my credit report as XXXX confirmed since I have a freeze on it.
10/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 75703
Web
XX/XX/XXXX at XXXX XXXX Received email at XXXX confirming account Login for Montgomery Ward XXXX Email was sent by XXXX. Did not set-up an account. XX/XX/XXXX at XXXX XXXX Received email at XXXX confirming order # XXXX. Email was sent by XXXX. Did not place an order. XX/XX/XXXX at XXXX XXXX Received email at XXXX with a shipping notification for XXXX # XXXX. The email was sent from XXXX for an " XXXX XXXX '' Laptop ''. This shipping notification includes my former address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I did not place this order, nor have I ever done business with Montgomery Ward. XXXX tracking # XXXX. XX/XX/XXXX at XXXX Received email at XXXX from XXXX Delivery XXXX ( XXXX ) confirming that my package from " SXXXX XXXX XXXX XXXXXXXX XXXX '' was delivered on XXXX XX/XX/XXXX at XXXX MST to XXXX XXXX XXXX XXXX Unit # XXXX, XXXX, AZ XXXX XXXX A picture of the delivered package was included in this shipping confirmation. PDF copies of the emails referenced above are included as attachments. Should you require any additional documentation, please contact me. I am no longer at the XXXX XXXX XXXX XXXX address in XXXX and have lived out of state ( in Texas ) for over a year. I contacted the Leasing Office at XXXX XXXX XXXX XXXX XXXXXXXX this afternoon to see if they can reroute the package to my new address. I pulled an XXXX credit report this evening and confirmed that Montgomery Ward located at XXXX XXXX XXXX, XXXX, WI XXXX did a hard credit inquiry on XX/XX/XXXX. I have notified my current creditors and frozen my account on XXXX. I will be initiating a fraud/identity theft complaint with XXXX in the morning tomorrow when their office opens at XXXX XXXX.
05/04/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • OR
  • 970XX
Web
I have had a credit account with Monroe and Main for years. I purchased some winter jackets using the credit account around XXXX time. I had relocated from the address I had resided at previously. Although I was logged into my account at the time of the purchase the creditor assigned a new account number because of an " alternate shipping address ''. I was not notified that a new account number was assigned and assumed that ( especially since I used my existing account ) my balance would be added to the existing balance. Because I was unaware that a new account was made, I continued to make payments on my existing account. Monroe and Main reported my other account ( that I did not know existed ) to the credit bureaus. I did not know until I got a credit monitoring alert. I had such a difficult time when trying to reach the appropriate person by phone being passed person to person. Each person gave me a different answer, half of which could not even locate either of my accounts let alone both. By the 4th call and 7th person I was finally able to determine that a second account had been created, they indicated this was their error when I demanded to speak with a supervisor and indicated they would XXXX credit bureaus and they would provide proof of this in writing. Despite this " promise " and 4 additional correspondences, I have not received any confirmation that this has been resolved. I had advised them that I would be making a report against them due to their flawed and destructive practices. They have reported two delinquent payments which dropped my credit score by 60 points. Please follow up with this entity and their questionable practices. Best regards, XXXX XXXX
03/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29483
Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
01/19/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 39047
Web
After reviewing my credit report I noticed an inquiry on there being reported by XXXX XXXX XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX XXXX XXXX XXXX never responded to my certified letters and after calling and speaking to a supervisor, I was told an account was opened in my name online, an online order was purchased, returned, and canceled. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. The supervisor stated that she DID NOT have this information because her records do not go back this far but I could fill out a fraud alert form & then it would be deleted. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters from this Company. I filled out the fraud paper work that the supervisor referred me to & as of today, it is still reporting. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!
09/05/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • NJ
  • 080XX
Web
I originally had an issue back in XXXX 2017. I had to file a better business bureau complaint which ca n't be pulled up since time frame has passed. It has been fine but now once again same exact issue. I make my payment, I get a confirmation page saying payment went through, funds were available for them to take and they even sent an email stating your payment has been received. The following months bill says I am late and then they added a late fee. Unfortunately I am in such a financial bind that I pay on a credit card then I make my payment with them. I figured out back in XX/XX/XXXX which card it was and they never attempted to even charge my credit card. Last time I paid it and I believe they waived the late fee. They caused me to even go over my credit limit back then and yet again they are doing it to me. I even take a picture of the confirmation page stating thank you for your payment. At this point I want my account closed with a {$0.00} balance.somehow it seems to me that this company is trying to do something shady. They do n't even report to reporting agencies except if you are late or do n't pay. If I would have known it was building my credit like a XXXX account I would have never opened it to begin with and now this, they had there one free chance with me and still had to put a complaint back then with the better business bureau and was n't resolved completely and still obviously has n't. They do n't even contact you after sending email stating received payment advising that payment did n't go through or had a system issue. No contact at all. Also I would request that you earn consumers about this company as I feel they are fraudulent.
12/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 335XX
Web
I disputed my SWISS COLONY / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through XXXX. They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. When I disputed the account to XXXX on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. On XX/XX/XXXX we applied for a mortgage in XXXX and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.
09/06/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89131
Web Servicemember
I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called XXXX XXXX XXXX XXXX, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and XXXX XXXX ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the CC in their bank, which is XXXX, and that is all she can provide me. The other bank, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. XXXX XXXX informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit report inquiry : XX/XX/XXXX ( 2 ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/XXXX ( 3 ) XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( 4 ) XXXX 's XXXX and XXXX XXXX Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.
03/21/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29209
Web
On XX/XX/XXXX I pulled my credit report and found and account listed as " charged off '' from XXXX XXXX for {$200.00}. When I contacted the credit bureaus, I was told that it was associated with my ex husband 's social security number and name, of which I left XX/XX/XXXX and was officially divorced from XX/XX/XXXX. However it has been placed on my credit. I sent a debt validation request to XXXX XXXX and let them know, that this was not my account. That in fact my ex husband ordered out of the catalog and the debt did not belong to me. I did not hear back from XXXX XXXX. I reached out to the company, and the only answer they could give me was to file a dispute with the credit bureaus. That is not professional at all. If an error was made and the company was contacted, it should be cleared up. They are reporting erroneously on my credit report. Not only that, they are in violation of my FDCPA rights as a consumer. I have the right to request validation, and the contract that is between myself and this consumer for this debt. Which they clearly do not have! There is absolutely no contract between myself and this company, so how can they place and report a fraud account on my report. This account was opened XX/XX/XXXX. I don't even live in XXXX anymore. Why wasn't I notified? I am horrified that this company would allow someone to simply order a catalog in someone else 's name, someone incorporate their social and ruin their credit without even a proper signature nor mutual bonding agreement with signature. No telling who else has gone through this and with no help from the company. No proper validation, no rights to report.
02/26/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • XXXXX
Web Older American
I've been trying to correct the issues with Colony Brands i.e. XXXX XXXX XXXX, XXXX over a year. Most of these orders were made while I was in the XXXX for 2 years, therefore, they did not confirm it was me before opening and/or confirm any information.. I used several avenues to resolve the issue with different agencies and they would not respond with the agencies so the case was closed. I specifically told this company I did not place any orders with them ... if the company would have checked my credit report, it says not to open nor place any orders without confirming it is me. I spoke to XXXX in the Corporate Office and was assured he would provide information so I could review it. Then were to remove charges then close all the accounts. I did not receive any other contact from Colony Brands ... i.e. XXXX XXXX XXXX or XXXX. They could not provide any information that would substantiate any orders, therefore, I will not be responsible for anything that isn't mine. I receive reports from XXXX XXXX showing past due accounts that I felt were resolved over a year ago. There was a file # XXXX ( Colony Brands ) and FTC file # XXXX. Colony Brands waited until they thought I would have forgotten about the issue without any proof of FTC, discussion with them or documentation. Now Colony Brands trying to bully me into paying a debt I do not owe by placing inaccurate information on my credit report at all credit bureaus. The charges are fraudulent and are an inside job with their companies with the burden of payments on the victim. I am on a Social Security Fixed income and can not /will not pay for anything I did not order.
06/10/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35244
Web
This insignificant company -- Ginny 's -- is reporting that I had a 39-day late on an item I never received in which it agreed back inXX/XX/2020 that there was an accounting error. I have demanded this item be removed from my credit report but each time I dispute XXXX lies and states it has been investigated and no update. CORRECT YOUR MISTAKE GINNY 'S AND DELETE THIS BOGUS ITEM. XXXX 's latest investigation : Date Submitted Date Completed Results XX/XX/XXXX XX/XX/XXXX View Dispute Results According to XXXX an investigation was completed in two days. There was no investigation done in two days. This bogus item from Ginny 's should be deleted immediately. I have never, ever had a 30-day late on any of my accounts with many that have been paid in full. I am surprised at Ginny 's because on record I am an excellent paying customer and often paid in full and keep receiving automatic credit line increases without requesting. I hardly ever use this card because I have other major credit cards that are often paid in full -- no lates, no missed payments. XXXX is the only credit bureau that is reporting this bogus information. It is so irritating that this bogus information will sit on my credit report for 7 years. I will never accept this!!!! The only adverse account I have had in over 10 years. Unbelievable!! Ginny 's are aware they are reporting bogus information because I contacted the CEO back inXX/XX/2020 and not sure why the accounting error has not been corrected -- the start of the pandemic. XXXX has a track record of reporting bogus information and refusing to due proper investigations and follow FCRA laws.
02/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 95301
Web Servicemember
2016 I had an invasion of theft and which I have the police report subsequent add to that there were random establish fraudulent accounts with various utilities or credit card companies and evolving accounts following iver XXXX yr period. This XXXX XXXX being XXXX of them initially I was not sure about the debt and because I was trying to land a place and a long awaited housing project for XXXX XXXX it reported to this bureau in which I then investigated to see I then paid up the account only to find out that it was one of the accounts that was compromised in my name I explained this to several in the department there at XXXX XXXX, XXXX representative twice supervisor Hope ( Fraud Dept ) there at XXXX XXXX. I stated how this was defaming me as a person not to mention wrongfully tarnishing my credit report as with faxing them a copy of the police report and FTC report all of which have been ignored which is a violation of the protection laws. XXXX and XXXX XXXX department stated that they had to submit a dispute and then the dispute would be left in the hands of XXXX XXXX as to it being removed from the records and off the credit bureau status there at XXXX. In speaking to hope once again in the front department at XXXX XXXX she regrettably stated that she could not remove this from tarnishing my credit profile neither was she going to return the {$150.00} I paid on this account that was done in error so I have to face the consequences of paying for someone elses debt That was fraudulently established in my name and this company not removing this paid charge off from my credit report
06/10/2021 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
  • DE
  • 19720
Web
Hello, Im having discrepancies with XXXX and the creditor Seventh Avenue and I reached out to XXXX by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from Experian about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at XXXX all Im being told is lies majorly of the representatives from XXXX doesnt even want to give consumers there name. XXXX went into my credit score constantly changing my score to high to low, over a company called Seventh Avenue that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, Seventh Avenue is reporting it to the credit bureaus as a paid charge off. Seventh Avenue owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was homeless sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and Seventh Avenue still want remove this account off my credit after being told they would very XXXX people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need XXXX to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over
12/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • LA
  • 70127
Web Older American
i called the company and tried to report fraud i told the lady on the phone that i didnt charge anything and that i didnt receive any thing she pretty much called me a lier so at this point i dont have anything else to discuss with them i then checked with the credit bureaus and they filed it on my credit i tried to explain i didnt get or order anything, well i filed a dispute with each credit bureaus and they investigated the claimes and after the investigations they were removed after months XXXX XXXX and XXXX XXXX tried to put it back on my bureaus and they werent allowed to but XXXX did allow them to put it back on and when i was speaking to the woman she told me i disputed it twice in 2021, well here we go again i never disputed it again in 2021, i dont know whos doing this but its not me, i have had my checking accounts hacked where they took all of my money out of my accounts from XXXX XXXX i have been an identity theft victim and every time i turn theres someone saying i applied for something, i the only thing slowed the problem down is to freeze my account, im so tired of this, i have filed identity theft reports over and over i have received notices that my information was hacked twice from XXXX where they offered me free security orotection for a couple of years how do i know whos doing this.i think they need to be investigated to find out why they allow this to happen to me when they are a part of the problem they were hacked they released my information to others, right now im fighting the post office, usps and XXXX about fraudulent charges and stolen packages.
01/20/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32177
Web
This debt was disputed with all XXXX credit bureaus on XXXX/XXXX/2016 based on the finding " I had no knowledge of the debt ''. All XXXX bureaus updated the accounts as " verified and belonging to me '' also instructing me to contact the creditor if I needed additional information. As instructed I requested validation from Monroe which was received by them on XXXX/XXXX/2016 per certified mail receipt, the company never responded. an additional request was mailed as they received on XXXX/XXXX/2016 per certified mail receipt. As of date not only has Monroe ignored my request to verify the debt belong to me they are reporting conflicting information. Originally the account was reported to bureaus as being opened on XXXX which was then changed to XXXX. They also report to XXXX bureau as a " chargeoff '' where the other account " reports paid on time and in full every month '' but also states the status as a chargeoff with a past due amount and a payment never received. As I have been a past victim of identity theft I have demanded that this company verify the debt belongs to me with my signature as well as verify additional information required by the Fair Credit Reporting Act and they have failed to do so.As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.
04/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • XXXXX
Web Older American
On XXXX I was alerted that my name, address & SS number were used to open an online line of credit with a company named " XXXX XXXX XXXX' in XXXX, WI and made a purchase to buy products from this company. I called the company directly and was able to put a lock on the account to prevent future purchases while they investigated my Identity Theft-Fraud claim. The shipment was not sent, so I was not liable for cash. Two more attempts were made to make purchases on XXXX & XXXX, neither which went through. No more attempts were made. I followed up with a letter to the company to confirm my statement. After several phone calls and being given the run around, on XXXX, I sent a letter from a template available on IdentityTheft.gov to request that my credit report be amended and that the Hard Inquiry of my Credit Report be removed. I also requested that I recieve a letter confirming that the account had been cancelled or closed and that they were sending information to XXXX to remove the Hard Inquiry on my report. I got USPS confirmation that the letter had been received on XXXX. I did not receive the confirmation letter, nor has my credit report been adjusted to remove the Hard Inquiry. I called again on XXXX and was told that the account was closed and I was not liable. The person I spoke with claimed that a letter was sent on XXXX. I did not receive any letter. I was told another letter would be sent and verified the address. It is now XXXX and I still do not have that letter. Company I have the dispute with : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
10/05/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • VA
  • 246XX
Web
On XX/XX/XXXX I received a call from " XXXX XXXX XXXX '' about a derogatory account with XXXX XXXX totaling {$1100.00}. This account used my social security number and my maiden name, which I have not used in 7.5 years. I informed them this was not my account and I was not aware of it before that phone call. As instructed, I sent an email to dispute the said account. I did not receive any feedback from this process. I called the company again and sent the same email again on XX/XX/XXXX. I still did not receive any feedback from this dispute process. This account continued to reflect negatively on my credit report, and has dropped my score approximately 100 points, despite being a disputed account. On XX/XX/XXXX. I contacted XXXX XXXX XXXX and XXXX XXXX about said account. I was met with many rude people at XXXX XXXX. When asking about my account I was met with XXXX as I did not know the address or account number to an account that was not even mine. I stayed on the phone with an associate for over an hour, and was then disconnected by no means of my own. During this time I discovered the account was created in XX/XX/XXXX, when I was XXXX years old. I never placed these orders and never received any of the products in question. I am upset because the level of customer service I have experienced was atrocious, and because despite disputing the account, it has continued to wreak havoc on my credit score. XXXX XXXX is currently sending me a " fraud packet '' after three months of disputing the account.
02/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 180XX
Web Older American
During the month of XX/XX/2022, I received many calls from a number I did not recognize and therefore did not answer ( XXXX XXXX XXXX ). On XXXX I finally answered. It was a debt collector representing XXXX XXXX and/or XXXX XXXX pursuing debt incurred by a XXXX XXXX of XXXX NJ XXXX I explained that my name is XXXX XXXX XXXX and have never had an account with XXXX XXXX or XXXX XXXX. I have lived at XXXX XXXX XXXX, XXXX Pa for the last 35 years and have never lived in XXXX NJ. They indicated that my phone number was tied to the XXXX account. My phone number is XXXX XXXX XXXX which is a PA area code. I have no idea how my phone number was attached to this account. The individual I spoke to named XXXX seemed to understand this was a case of mistaken identity and indicated fraud might be involved. XXXX indicated he would correct the issue and contact a credit bureau to insure my credit would not be tarnished. I thought that was the end of it. On XX/XX/2022 I received the attached documents. It would appear that my address is now also linked to this account. On XX/XX/2022, I talked to XXXX of XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX ). When I initially made the call, the auto answer indicated my phone number was linked to an account there. Clearly my phone number was not disassociated from the account I did not have. XXXX too seemed to understand the mistaken identity and indicated she would correct it. I am filing this complaint in case she does not correct it. Thank you, XXXX XXXX XXXX
07/22/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85020
Web Older American
The co. is GINNY 's. The latest communication was a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, in which they included a copy of a Ginny 's invoice ( # XXXX ) for a hooded throw/cam in the amount of {$39.00}. After several months of finance charges and adjustments, the final balance they claim they are due is {$45.00}. I phoned and spoke to a rep at XXXX on XX/XX/XXXX. I explained that I received a XXXX delivery around that time which I hadn't ordered. I did not open the package and returned it to sender via XXXX. ( It felt as though there might be a pillow inside so I can only assume that this may have been the delivery that Ginny 's is referring to. ) The rep with whom I spoke told me he would let Ginny 's know that the merchandise was returned to sender. I have never shopped with Ginny 's and never heard of it until I started receiving bills from them. Actually the first invoice from them was in XX/XX/XXXX. I reported that to 'report.ftc.gov ' on XX/XX/XXXX and my claim was confirmed received # XXXX. My credit report on XX/XX/XXXX was much better than the prior 1 and I have again requested an updated credit report. Coincidentally, today I received an email regarding my XXXX XXXX XXXX XXXX credit card which stated that my line of credit has been reduced due to a recent credit delinquency. As you can see, I have had many issues with false reports about my credibility for a year now. Your expedient response and assistance are much appreciated. Thank you, XXXX XXXX
01/04/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • XXXXX
Web
On XX/XX/18, I received 2 small packages in boxes from " XXXX XXXX '' each containing a gold-looking cross and a statement showing the value of each cross to be {$170.00}. The problem is, I did not order the crosses, nor, have I ever done any business with any XXXX XXXX company. I was actually away on vacation when the packages arrived and my mail was on hold. When the held mail was delivered, there were two letters dated XX/XX/18 thanking me for my order and informing me that they could not process the order without advance remittance. However, the dollar amounts were different on each invoice ... one was for XXXX ( which was the price of the cross on the order form ) and one was for {$240.00}, which I have no idea what that is about. I also received another letter dated XX/XX/18 with the same verbiage, however, that letter was referencing a charge of {$400.00} for some other apparent merchandise which I did not order, nor, did I receive a package! On XX/XX/18, the day I returned home, I called the customer service number on the order slip and spoke to " XXXX '', explaining that there has been a mistake because I did not open an account with XXXX XXXX or order these items. He stated he was submitting a report to the company Fraud Dept and I would receive instructions about returning the products within 7 days. I have e-mailed the customer service for both XXXX XXXX and XXXX XXXX and have not received any information from either company.
05/27/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 61761
Web
On XX/XX/XXXX I spoke with a representative by the name of XXXX Id # XXXX at Swiss Colony/XXXX in regards to acct #. with a balance of {$340.00} I have been disputing this reporting for years to come, and every so often it reappears on my credit reports. So today I decided to contact said company a request validity of the debt, requesting that they provide proof that the account belongs to me, something showing my signature, identification something that will prove that this is my account. Per XXXX she stated that due to this account dating back to XXXX, they do not have anything that will prove the account belongs to me other than an invoice. Now mind you I have been requesting this information for many years and have yet to receive it. I called Swiss Colony again so that I can get the account number, at that time I spoke spoke with XXXX who in turn told me she unable to find account, she then transferred me to a XXXX who stated he was unable to find an account under my name and that the account listed under my phone number is for a different person. I was then transferred to XXXX ( supervisor of customer service ) that stated the account was for XXXX XXXX. I was then transferred to XXXX ID # XXXX ( supervisor of collections ). Requested that she send proof that the account belongs to me and she in turn stated I will need to send in a fraud packet. I know that any and all agencies have to provide proof within 30days of validation request.
04/29/2023 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 243XX
Web
In XX/XX/2023 the company Monroe and Main showed up on my credit report. I had never heard of this company before nor had I opened any accounts. I called the company and they stated that they had my name and information but I showed no order history and had a balance of {$0.00} owed. The company reported on my credit that I had a credit limit of XXXX $ and owed XXXX XXXX The company assured me that it was their mistake and had closed the account and had requested to the credit bearues to take the account off. Still the account is on the reports and whenever I try to dispute it the company is saying the information is accurate, when in fact it is not accurate at all. I just contacted the company again a few days ago and they are telling me still they made a mistake and have requested it be taken off. The beareus are still stating they have not made any requests and the company is still yet reporting the same fraudulent information. I also contacted the XXXX and the company even stated through those messages that the information is inaccurate and they would fix. I am still having to fight this and it has ruined my credit by XXXX points down and my credit age and payment grade are terrible because of this one company 's false reporting. I am at a dead end and have no idea what else to do but to get a lawyer and sue the company for fraud and defamation of character. This has caused me alot of stress and financial anguish.
12/16/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 152XX
Web
Every time I ask XXXX XXXX to correct the error on my credit report they add another negative mark to it. Why are they doing this at will when ever they want to? This is violation and they should not be able to continually update and unverified account with new negativity activity when every they want to. There is are numerous failure to pays that were previously listed as 30, 60, and 90 late. For different years and different months on all 3 credit reports. Changing 30, 60 and 90 day late notations to failure to pays is not correcting an account properly. The following failure to pays are current listed on my credit files : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and since I am writing you they will probably place on In XX/XX/XXXX. Please keep an eye out for it and tell them to stop committing violations. Can you make XXXX XXXX correct the inadequacies on my credit report or delete this account that is not being reported 100 % correctly? I also wrote XXXX, XXXX and XXXX in XXXX, XXXX and XXXX and I am still waiting for them to verify, investigate, correct or remove this unverified account that is not being reported with 100 % accuracy. I am trying to get a mortgage and this is hindering me from doing that. I can not afford an attorney to take them to court so I am asking you to help me make them do their jobs correctly.
05/10/2017 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 728XX
Web
Two complaints 1. Number of calls 2. Wo n't close account : I have a XXXX XXXX card that I got delinquent on. Over a year goes by, account should be closed but it is not. I sent a written letter to XXXX , along with the card, telling them to close the account and send a final statement. Almost a year after that, I am still receiving monthly statements steadily climbing higher because of late fees and interest. While this is going on, they are calling me up to 7 times a day, mostly 6 days a week. They are calling my mother in Alabama, my father, my grandmother, my uncle. And that 's just the ones I know about. I decided to try to pay the debt off on my own recently, sent another written request to close the account, saying I would make weekly payments until paid in full, and to stop calling me unnecessarily because I would file a complaint . Two payment s have cleared in a row, steadily getting phone calls from them, and they wont close the account. Got a statement in a couple days ago where I am charged yet another late fee and interest. My grandmother told me she got another phone call from them. She tells them there is nobody there by that name, but they continue to call. I am going to continue to make my weekly payments, but I want the account closed because if they charge a late fee each time of {$15.00}, my {$25.00} payment on a {$700.00} balance will never be paid off
11/02/2023 Yes
  • Credit card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 76542
Web
Colony brands have been sending broken items not sending items for the last few months. They even shipped my shoes to Florida and shipped a lady from Floridas shoes to me. Me & the lady connected on XXXX. I will contact colony branch to return these items. This last time Colonie brands didnt wan na pay for a box to ship a chair back that was damaged. All of a sudden, my account is basically closed without my knowledge after colony brands gave me a credit increase. This company is now reporting to the credit bureau that my credit limit has decreased, which would decrease my credit score and this is false information. Call me branch stated that they can not please me as a customer because I wont accept their broken items or damaged items. I am OK with my account closing, but lying to the credit agency, saying that my credit line decreased because of something that I did wrong is lying, and it is against the consumer reporting act. I am OK with colony branch closing my account out, but you will not report to the credit agency negative on my behalf. XXXX my balance out on XXXXXXXX XXXX XXXX XXXX and we can call it a day. You will not pass report to the credit agency negatively on my credit because youre products dont come to my house and when you do send the products, I get them broken or missing items. I will take this legal, it is a violation and I would not have it
01/26/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33713
Web
In the beginning of XX/XX/XXXX, I became aware that XXXX XXXX had opened a 2nd account for me because they sent me 2 bills. I called them and they told me the two accounts were merged. Later in XXXX they sent another bill, with a 3rd account. I called them, they assured me the accounts would all be combined. four days later I received a card for a new account. I again called them. They again assured me that the accounts were all merged into 1. I received my bill. I paid my bill on time. I received a notice that my account was past due. I called them and they informed me I still had an account that was not merged and I owed a {$10.00} dollar payment. that was on! /XX/XX/XXXX. I told the representative that I would call on XX/XX/XXXX and make the payment. I was told that after the payment all of my accounts would be merged. When I called on XX/XX/XXXX, the rep told me that I had 2 accounts open and I had a minimum due of {$20.00}, but after payment I would be caught up till XXXX. He told me that the payment would allow him to merge my accounts. I explained I had little confidence that this would occur and asked to speak with his supervisor. The supervisor got on the line, assured me that all of these accounts are merged and I didn't have a payment due till XXXX. This morning at XXXX I received a call from XXXX XXXX ( robot call ) about a past due balance.
03/04/2020 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
  • FL
  • 33619
Web Servicemember
I filed a complaint with CFPB complaint number XXXX your response was you have the account listed as a charge off, please see attached credit report you have this listed as a profit and loss. It is not a profit and loss I paid this in full. If anything this should only be listed as a charge off. You also stated in your response I never contacted you prior to my complaint filed this is incorrect I spoke with XXXX on XX/XX/XXXX at XXXX she advised me she can not correct my credit from stating this is a profit and loss that the bureaus would have to fix again please see attached credit report along with complaint showing you reported this as a profit and loss and not just a charge off. My next step will be to retain an attorney as I want this corrected to reflect the correct reporting. I do not understand what is so hard about reporting this accurately. Someone in your establishment needs to do the right thing and take some time and correct my report. Someone took the time to incorrectly report it that the same person should take the time to correctly report it. I want it to be fix on XXXX XXXX and XXXX XXXX where it is not showing both a charge off and profit and loss. It needs to show on both that it is a charge off. I paid on XX/XX/XXXX I paid both accounts on the same day and I send a copy of the bank statement showing were they were paid off.
01/04/2019 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32210
Web
While reviewing my credit report I noticed a charge off account from XXXX XXXX. I have never had an account with them. The information on my report read their name, no account number, no payment information, just 90-day late payments, there is also a balance for {$110.00}. No other information could be found. So, I called the customer service number on the website and was transferred to the credit department. I was repeatedly asked for the account number and order number, when I was unable to furnish this information, I was transferred without notice to another agent. This happened three times. I finally was asked again and when I could explain the situation, the young lady told me to fill out an application for fraud on the FTC website and mail it to them. Well when I explained that the site is down due to the government shut down. I got an oh well is there anything I can do for you response. I asked if she could provide me with information that validate the account was mine or even an account number she said no and to dispute with the bureaus and file the claim for FTC. They wasted 20 minutes of my time by placing me on hold and transferring me to agent to agent without notice and still could not verify or provide me with any information. Please do not contact me through email, mail, or phone. All contact is to be made via this website only.
03/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 77016
Web
This is a formal complaint against XXXX XXXX located in XXXX, WI This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
01/22/2020 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Problem when making payments
  • AZ
  • 855XX
Web Older American, Servicemember
Account # XXXX I ordered a set of cookware. Received in good condition and made a payment of XXXX. Keep getting calls of non-payment. I sent them proof of receipt of payment through them and transaction ID. I even sent them a screen shot of my account on XXXX XXXX web site. They still continue to say they did not receive a payment. They want me to send a bank statement which I will do but need at least a month which they will not give me. I use a XXXX XXXX debit card issued through social security. XXXX XXXX showed the payment. I will not send my social security debit information due to security concerns. I told them to close my account after I pay the balance of what is owed according to me and proof of payment which I sent them! Thank You For Your Payment Print or save this page for future reference Transaction Number : XXXX Payment Amount : {$72.00} Today 's Payment Date : XX/XX/2020 XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/2020 Available Limit {$0.00} Balance {$0.00} Credit Limit {$0.00} Did you know? You can earn credit limit increases with timely payments! Terms and Conditions Many others have reported similar issues with this company resulting in false credit reporting of the customer. I am in the process of trying to repair my credit and this would be very unfair.
09/14/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36116
Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX To Whom It may concern : I am contacting Consumer Financial Protection Bureau to that my identity has been stolen and used for fraudulent purposes. To confirm my identity, my social security number is XXXX and my birthdate is XX/XX/XXXX. Someone has stolen my identity and used that information to engage in the following type ( s ) of fraudulent transactions : Credit card accounts Checking and/or savings accounts Loans Utility accounts Investment accounts Seventh Avenue Internet and /or email accounts Government documents and/or benefits XXXX XXXX XXXX XXXX Additional forms of fraud as follows : I have suffered the following forms ( s ) of harm and consequences because of this identity theft : A civil suit or judgment has been filed against me. I was denied bank, investing, credit, or other financial services. I do not have any information about who I believe to be the identity thief. I have contacted the following credit bureau ( s ) of the identity theft to report the incident to have false inquires and fraudulent accounts removed. I have contacted the authorities at the following police department XXXX located in the state of Alabama and filed a police report. A copy of the report is enclosed with the letter. Sincerely, XXXX XXXX
03/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 99207
Web
I have a small open account with Swiss Colony, from which I buy an annual gift or two every holiday season. that is the only time of the year I buy from them. my initial payment is due in mid XXXX. however 3 separate times now and 2 years in a row, Swiss Colony has reported to all 3 major credit reporting agencies that I have 2 additional late payments. most recently twice this year they reported that I had a late payment in XXXX and XXXX XXXX however thats not possible. I rechecked my prior orders in my account with them and I had no order around that time. I only had the holiday order and paid my balance in early XXXX on time. I have previously reported issues directly to Swiss Colony and its taken forever to get things fixed the 1st time. this 2nd time I went thru my credit reporting XXXX XXXX and thought it was fixed as it disappeared however back on XX/XX/XXXX all 3 credit reporting agencies notified of an update from Swiss Colony. When I went to look sure enough the bogus late payment from XXXX and XX/XX/XXXX was back again. IT IS NOT VALID. every time they they make this incorrect reporting, my credit score goes WAY DOWN and it takes forever to get it back up. I shouldnt be dinged for something that isnt correct and that they cant seem to get corrected in their system for the life of them
02/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 64012
Web
Sometime between XXXX, I have requested multiple times to correct/remove the INCORRECT information on my credit profile that states I had a XXXX XXXX acct. opened in XXXX. The very first acct. with XXXX XXXX was opened in XX/XX/XXXX. No earlier than that ever. I have documentation that verifies this, which I provided to all 3 credit bureaus at the time of disputing several times. XXXX XXXX XXXX has since removed the information completely. However, XXXX XXXX AND XXXX are still reporting this incorrect information. I have reached out to XXXX XXXX via email & phone, no response or resolution. They did not call me back, nothing. XXXX has changed the wording twice, nothing else. They requested I provide additional documentation. There is no other documentation to provide. I DID NOT have a XXXX XXXX acct in XXXX. This a 100 % factual statement. Under FCRA, XXXX is supposed to do proper investigation. Please do so with XXXX XXXX. XXXX XXXX could have taken 2 seconds and either responded to me or submitted proof that backed my claim. I will not keep submitting disputes on the same matter, if its not helping my credit profile. Its pointless. Nothing is changing. Again, XXXX XXXX XXXX removed this account. XXXX shows I have a balance of {$290.00} from an acct XX/XX/XXXX. Incorrect.
02/04/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • NC
  • 285XX
Web
This company has been harassing me and is threatening me trying to force me to pay for something that does not belong to me I am tired of them calling from blocked numbers and they even went as far as contacting my former employer, I say former because they have repeatedly called this man and told his I owe money I am a dead beat all types of negative false statements that are terrible. I do not owe this money. I contacted legal assistance and they told me based on North Carolina Laws they are over the Statute of limitations on collecting debt whether it is or isnt mine dont even matter they shouldnt even be contacting me for this because of that. So they are harassing me after I told them In writing not to bother me any further and I told them they are over the state statue to which they replied that state statues dont matter on this account which I thought was a total lie but at this point I am used to all this. Its the same guy that keeps calling me he calls me and uses different names and he swears he is not same person but I have received so many calls that I no how this person talks and I am going to Give all the evidence I have collected from these calls to My attorney and I will be filing a lawsuit and a protective order of protection if this does not stop immediately
08/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93704
Web
XXXX and XXXX on XXXX XXXX XXXX, XXXX XXXX Ca XXXX, ( XXXX ) XXXX, called my relative ( adult son ) and told them I was going to be served with a summons/judgement and that a civil suit was being filed against me.I received the number from my son and called XXXX and XXXX back and was connected with someone who stated their name was XXXX XXXX .He proceeded to tell me that I owed XXXX XXXX {$7300.00} from 1998 which has been gaining interest and fines.I told him I have no idea what he is talking about I have never had an account with XXXX XXXX and that is was identity theft.He then proceeded to tell me that I could pay the money or be taken to court and have my salary/wages docked. I am a XXXX XXXX XXXX and was frantic to find out what this was about because my son called me frantic, so I called him during my lunch hour, and he actually asked me if I always talk and chew food with my mouth full while I am on the phone ... which I realize that it is rude for me to talk with my mouth full, but for him to make a personal harassing statement to me about me trying to eat my lunch, while threatening me with a lawsuit, after I had explained to him that I had no idea what he was talking about ... made me suspicious that their law firm is shady and is trying to fraudulently get money..
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22191
Web Servicemember
I started receiving a bill from Montgomery Ward in XXXX of XXXX. I thought it was spam mail so I ignored it because I monitor my credit and none of the three bureaus were reporting a Montgomery Ward account in my name. After 3 months my credit dropped over XXXX points due to the Montgomery Ward showing up on my credit with no payment made on $ XXXX worth of charges. I don't understand how a fraudulent card/account was opened in my name and not receive a 'ping ' from XXXX XXXX or any of the bureaus like I usually do when I authentically open up a credit card account. I also never received the card, only the bill. How can someone open up a credit card fraudulently and a company mail the card to another address in another State? Montgomery Ward was informed of this when I spoke to them and they referred me to this website. Not sure why... so I am filing this. I also filed fraud with Transition, XXXX and XXXX. I want Montgomery Ward to remove this negative information from my files ( 3 bureaus ). When I spoke to them they said 'oh yes I see this isn't you ' but they don't give me any other information other than the card was mailed to a different address in another state ( good grief ). Why would they do that? That is a red flag! They seemed to know that this was fraud.
02/14/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NJ
  • 08104
Web
I have contacted these companies on my credit report several times. None of them will remove their in accurate information from my credit report. I have reached out to their companies as well as I ask for information regarding the accounts that are associated with my name be removed from my account. I have paid these accounts in full. These accounts on my credit report were supposed to be took an off after making all payments in full. This is what the companies customer service representative and specialists are saying, but nothing is being done. I asked for documentation of these accounts, and the results of the paid status, and the removal of these accounts from my credit report they are not sending me any documentation and they are not removing them from my credit report as they said they will do so. They are reporting back to the credit bureau that they are refusing to remove this information and they will not reach out to me about why they will not remove this information as it is a resolve situation, prior to their agreement to remove. I pay all accounts off in full and on time. I should not have to suffer the inappropriate behavior of these companies lying to the consumer as they continue to promote negative credit status against the account holders.
01/21/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 45102
Web Servicemember
In XX/XX/2021, I obtained a copy of my credit report and noticed a late payment listed that had lowered my credit score. When I saw the name of the creditor, I realized that I never opened an account with this company. I contacted the accounting department of the creditor and told them that this was not my account and that I have never purchased anything from them. They told me they would investigate and get back to me. A couple of weeks later I received a letter from them telling me that they had conducted an internal investigation and that they had determined that the account was mine and I was responsible for the balance. I contacted them and told them that it was not my account and that I had no intension of making any payments. The monthly payments are apparently being made by someone else, because I have not received anymore late payment notices, but the one late payment notice from last year is still affecting my credit score. I disputed this with the credit bureau, but they took the word of the creditor and would not remove the late notice. I am being penalized for an account that I did not open and this creditor refuses to do anything about it. I closed this account, but the account balance and the late notice to the credit bureau still stands.
09/18/2017 No
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48235
Web
I have been paying XXXX XXXX and XXXX XXXX online catalog companies which are the /same company just 2 different divisions. I contacted XXXX XXXX spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX XXXX DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX XXXX THEMSELVES. I THEN CALLED XXXX XXXX CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX XXXX AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.
10/06/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78628
Web
My previous complaint included the following statement " In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a female. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated. '' They claimed that they sent me an affidavit, which I never received. They have not even attempted to contact me in any other way. My credit continues to get hit and lower from these late payments. I need a resolution. THIS IS NOT MY DEBT
07/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85016
Web
XXXX XXXX XXXXXXXX This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment -- Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX bankruptcy Amount Past Due No Info High Balance {$93.00} Terms -- Account Type Charge account XXXX XXXX XXXXXXXX This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX bankruptcy Amount Past Due No Info High Balance {$100.00} Terms -- Account Type Charge account This account may be hurting your score Account Details Status Derogatory Date Opened XXXX Last Payment -- Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Unknown Responsibility Individual Account Number XXXX Late Count -- XXXX / XXXX / 90 Days Late -- Date Reported XXXX Remarks XXXX XXXX bankruptcy Amount Past Due No Info High Balance {$98.00} Terms -- Account Type Charge account
12/26/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NC
  • 27526
Web
An order was placed online by my stepmother for a gift from SWISS COLONY XXXX. I was the recipient of the order. The company then proceeded to submit a credit inquiry on my behalf and created and account for this order and will be billing it to me without my permission. The did NOT get authorization from me to obtain my credit, apply for credit etc. They do not even have my Social Security #. But when I called to inquire how this happened they told me that they can submit an inquiry on my credit without my ss # by using just my name and address. My name was n't even correct in their system. They said someone can put in a name and address and can apply for credit from them, and that if it goes through then there is nothing that they can do. I again repeated back to them, that if I just give them any name and address in their online ordering system, they can process credit under that person name? They confirmed. This does not seem legal. I did NOT give them permission. My stepmother is sending them a notorized letter stating that she is the one responsible for the order and I also have submitted a dispute on my credit. But I need to understand how this is legal. Can a company process credit to you without your SS # and permission? Please help/
04/24/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • OK
  • 741XX
Web
I ordered from Swiss Colony : Chicken, duck, pheasant ; advertised pricing {$92.00} plus shipping and handling. I only received a very small chicken in this order. Swiss Colony Representative stated I could not return item for refund Swiss Colony Rep apologized, but mislead me into believing, the order was accurate. I later revisited the site and the same chicken, duck, pheasant was advertised for {$92.00}. The price has now changed as of XX/XX/2020. I also have an Swiss Colony account with recent payment of {$25.00} and {$50.00}, the Swiss Colony statement does not reflect correct available credit to this account for payments rendered. I have XXXX ( XXXX ) available credit on my {$300.00} Swiss Colony credit card, which is an error and degrading. I was issued a XXXX XXXX credit account. After one ( 1 ) XXXX XXXX purchase and payment, Swiss Colony, without my knowledge, transferred my payment and balance to my Swiss Colony Account causing a high balance/interest. Swiss Colony is requiring one hundred percent of purchase price for orders place, when Swiss Colony approved my credit. Swiss Colony/XXXX XXXX is requiring deposit, " full payment of order '' to establish already established credit with Swiss Colony/XXXX XXXX
09/17/2017 No
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • MI
  • 48235
Web
I have been paying XXXX XXXX and XXXX 's online catalog companies which are the /same company just 2 different divisions. I contacted XXXX 's spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX 's and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX 'S DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX 'S THEMSELVES. I THEN CALLED XXXX 'S CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX 'S AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.
08/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NV
  • 894XX
Web
When our state closed down my business was force to close and I had no income, I contacted all my debtors and notified them that I would pay what is owed when our state opens back up. All agreed and followed through except one who I contacted two weeks in beginning of XXXX. I called and told them and they said it was ok and to just get caught up when we reopened. I told them this was not my fault. When I called the call center was backed up and and they were trying to rush through my call. The business was XXXX XXXX. In 90 days I totally paid off the account in whole and they did not close it as requested on the phone while making the payment. They then reported me 90 days late and delinquent. It has not updated. In months and I requested a investigation to clear their error and they have not done so. This is the only company now refusing to change my credit account rating on XXXX XXXX which is ruining my credit rating for any future credit. I only carry two credit cards and both are paid off monthly and I have one car loan. They refuse to admit their error when they told me they would not ding my credit due to COVID 19 shutdowns. I just want them to show on the report it was paid and that I did call for assistance on time to pay.
04/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • OK
  • 73505
Web Servicemember
I have never initiated or opened any account with Swiss Colony or any of it's associates or affiliates. I disputed the validity of the account with XXXX and XXXX on XX/XX/XXXX. Yet, the company maintains that the account is valid. I would like the FTC/CFPB to launch an investigation and seek possible legal action against Swiss Colony located at XXXX XXXX XXXX XXXX XXXX XXXX telephone number XXXX. I have contacted the company several times, they maintain the following : there is no history on the alleged a account, no orders on the account, and no date when the account was opened. Yet, the account appears on my XXXX and XXXX credit reports. As of XX/XX/XXXX, the alleged account is reflecting a credit limit of {$1000.00} of which {$110.00} has been utilized. On XX/XX/XXXX, XXXX of XXXX, I spoke with several representatives to include the lost prevention department and I have been unable to resolve this matter. All representatives that I spoke with at Swiss Colony maintain that no account exists. The last representative provided an account number, yet maintained that no orders have been made and no history exists on the alleged account. I am in the process of purchasing a new home and this is negatively impacting my credit.
04/28/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 43081
Web
My XXXX Credit Report shows a hard inquiry from a company calle d Seventh Avenue. I h ave never heard of this company let alone done any business with them. I contacted them in XXXX or XXXX of XXXX to try and ask them to remove this inquiry. They found no records of me in their syste m ( includin g no recent applications ). they informed me I would need to dispute this directly with XXXX . since I work for a large bank I realized this was not a proper step that I should be taking but since they insisted there was nothing they could do to fix it, I in fact disputed it with XXXX . They received the response from Seventh Avenue ind icating it was a valid inquiry and they could not remove it. I again contacted them today and initially received the same " there is nothing we can do '' response. I requested to talk to a supervisor who again confirmed no records of me in connection with this company. She went on to indicated I must send a copy of the credit report showing this being reported. I recently contacted XXXX about a similar issue and they required no documents on my part. In addition I know someone who worked with XXXX about the same type of problem and was not required to send any documentation to them.
12/04/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • XXXXX
Web
In XX/XX/XXXX, I applied with XXXX XXXX and ordered a product. Upon receiving the merchandise the product were defective and I returned the product. In XX/XX/2020. XX/XX/2020 I received a call from from XXXX XXXX says that I owe their company {$47.00} for the shipping and return of the product. I explained to the rep that the product defective and I returned it and didn't agree with the charges and that's when I were told that I would be given a credit of {$47.00} the amount owed and didn't have a balance. In a rebuttal of me asking for the credit they company added another credit inquiry one my report on XX/XX/2020 in my XXXX credit report I called XXXX that showed on my XXXX account for XX/XX/2020 and were told they pulled my credit for XXXX XXXX and I need to call the credit bureau to have the account removed from my credit. I called XXXX and were told they couldn't remove the inquiry with it shows 2 times in on month just call the company and they can electrically removed and that they would make adjustments. I called XXXX XXXX and were told by the account manger by the name of XXXX XXXX she said she didn't see that my credit inquiry twice nothing she could do after being placed on hold for over 50 minutes.
02/14/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 945XX
Web
At the end of XX/XX/2023, I received a bill in the mail from The Swiss Colony, but I have never had an account or placed any orders with them. I later discovered that this was likely an accidental order made by my aunt meant to ship to me, but she must have switched around the billing and shipping contact info. My aunt is older and isn't really sure what happened. What really concerns me is that Swiss Colony appears to have allowed my aunt to buy on credit ( BNPL ), but in my name. This means that they are extending credit in my name without my authorization or identity/credit verification. While my aunt knows my name and address, she wouldn't be able to complete a basic identity verification in my name. I have reached out to The Swiss Colony and let them know I didn't place this order and asked them to cancel the order and delete the credit account, but they refuse to do so without me hiring a notary and mailing a notarized letter to them. It seems rather inappropriate that they are requiring me to go to these lengths and incur these costs to verify my identity when the whole reason this XXXX bill was mistakenly created in my name is that they did nothing to verify my identity when the order was being placed.
07/01/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35215
Web
Yes I got credit people to dispute with Ginny account I don't own no account like this I don't know my personal account like this and I asked for the coming to investigate it and to remove it and I said they just put on my credit report to my day going to let us stay then how you going to let something stay there and it don't belongs to you and then you said somebody use my name and my ID all my information and I don't recognize this and I don't want this account and I want it off my account and I mean it do I have to hire me lawyer to remove all this and plus I got some old account that has been on there for years old hospital bill and it also don't supposed to be on it I want it removed immediately all my credit report I'm going through some stuff now and trying to dispute a lot of stuff that don't belong to me and I asked for a dispute that Jenny account it's not mine I don't own no account somebody stole my identity use my personal information I want it removed from my account asap call when you're busy investigating something they supposed to get down to the nitty-gritty my ID was stolen seem like to meet at a new day job I want it removed I want to repeat it I want to dispute it off my account right now
09/06/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • XXXXX
Web
XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, WIXXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXXXXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as home visions on XXXX XXXX report and XXXX XXXX on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX and Swiss Colony but it now shows up as Swiss Colon / XXXX as well as XXXX They keep changing the name.
05/10/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 295XX
Web
I XXXX XXXX, XXXX XXXX XXXX, XXXX SC, paid my debt to XXXX XXXX for {$62.00} and to their partner Company XXXX XXXX I paid my debt for {$280.00} I have contacted the company on many occasions to get a " : paid letter '' '' Every time I call I am told it was mailed. So far I have been told this 4 times including today XX/XX/18. The credit department says contact the post office. I don't feel I need to do this since I have not had any other of my mail not received including electric bill, phone bill, cable bill, water bill, and 12 credit card bills, as well as misc mail. It seems very odd that this is the only document that seems to be missing even though I was told it was sent 4 times already. I need these letters to prove to my creditors they were paid before I can do any more business with them XXXX XXXX XXXX phone is XXXX XXXX XXXX my acct # XXXX XXXX XXXX number is XXXX XXXX XXXX my acct number XXXX All they know how to do is say " we will mail it again '' '' I paid the first bill on XX/XX/18 and the second one on the second one a week or so later. All I want is my letters showing these accounts are paid in full and have been getting a run around for two months. Thank you XXXX XXXX XXXX XXXX
09/08/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53092
Web
I have tried numerous times to inform this company that the debt they are attempting to collect does not belong to me due to being a victim of identity theft from a very close relative who once lived with me. The company has been completely resistant to removing the accounts from my credit report, despite the account being outside of the statute of limitations for enforcing the unauthorized contract. Their resistance has cost me a great deal of money and I can no longer afford to wait for them to do the right thing. I have filed a civil complaint against the company to recover a small portion of the financial damages caused by the company 's willful negligence. I have submitted affidavits of identity theft, complained to the credit bureaus, complained to the CFPB, complained to the FTC, with no avail. I am willing to drop the civil case if this unauthorized account is removed from my credit reports prior to XX/XX/2018. I have a pending acquisition that I must secure funding for prior to XX/XX/2018 and I need time after the entry has been removed to do so. If we can not come to some form of agreement I will just take the {$10000.00} award I am most certain I will obtain after the hearing on XX/XX/2018.
09/08/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53092
Web
I have tried numerous times to inform this company that the debt they are attempting to collect does not belong to me due to being a victim of identity theft from a very close relative who once lived with me. The company has been completely resistant to removing the accounts from my credit report, despite the account being outside of the statute of limitations for enforcing the unauthorized contract. Their resistance has cost me a great deal of money and I can no longer afford to wait for them to do the right thing. I have filed a civil complaint against the company to recover a small portion of the financial damages caused by the company 's willful negligence. I have submitted affidavits of identity theft, complained to the credit bureaus, complained to the CFPB, complained to the FTC, with no avail. I am willing to drop the civil case if this unauthorized account is removed from my credit reports prior to XX/XX/2018. I have a pending acquisition that I must secure funding for prior to XX/XX/2018 and I need time after the entry has been removed to do so. If we can not come to some form of agreement I will just take the {$10000.00} award I am most certain I will obtain after the hearing on XX/XX/2018.
03/16/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98837
Web Older American
I made a purchase from XXXXXXXX XXXX the catolog store. They sent wrong item, I notified the company that I was sending the item back to them, nothing was said or done at that point. then it took me 6 months to get them to rectify the records, they were charging me late charges and the whole shot. even after they had admitted to having the package I sent them they still would on rectify the issue. finally after I kid you not 6 months they finale admitted to the exchange and refunded my money.. after 6 month of a constant brash of phone calls and letters sent clear to the top of the organization.. I thought this was over now i see they are still destroying my credit record. My question is how can these people keep getting away with XXXX with people like this???? This is nothing short of criminal!!!!. Nothing on my credit record regarding this issue has been done since XXXX. explain that? and just try to get them to do something about it is a lost cause ... I am going out of my ever loving mind as to the XXXX XXXX they have pulled on me total run around every time I try to contact them regarding this issue. I need this removed from my record and any remanence of any more XXXX from these people stopped.
01/29/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • MI
  • 48204
Web
I have an account with XXXX and I have been attempting to pay my bill online for several months only to be told by the system that I have no balance and no payment is due. I received a bill through the mail stating I have a past due bill totaling XXXX with a past due amount of 80.00.I called the customer service number and after being transferred to 3 different people I was transferred to XXXX id XXXX XXXX. She apologized saying there has been a problem with the system. I again explained how I have attempted to make payments but the system says I don't owe anything. She asked if I had called in to speak with someone and I informed her I had not seeing the system says there isn't anything due. I asked if the past due amounts would be reversed since it was the company 's system that gave erroneous information. She told me they could only remove 1 month and the balance after subtracting the late fee of ten dollars would be XXXX. I told her that was the amount of the bill i have before me and she stated the amount is XXXX. At this point I don't know what is true. I am being penalized for something that is entirely the company 's fault and being reported to the credit bureaus as having late payments
02/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 302XX
Web Servicemember
Acct # Colony through door open XX/XX/2018 balance {$1500.00} Address XXXX XXXX XXXX XXXX WI XXXX XXXX Tel # XXXX XXXX XXXX. I have talk and wrote letters to all parties involved including the other XXXX XXXX in XXXX Georgia but to no avail i have been help. This has created great harm to my Credit and health and Marriage. I am asking for this account to please be review carefully and look at the facts, This account belongs to Ms XXXX XXXX in XXXX Georgia there is a mix up believe to be only because only our matching names This XXXX XXXX lives in an entire different area in Georgia and has a different social security number and her date of birth is different and we are to different race i am XXXX XXXX born in XXXX XXXX and she is XXXX XXXX born in XXXX I am asking to please investigate this account and reach out to the other XXXX XXXX in XXXX GA and get her information and see the difference in everything but our names 4 years and this has been a night mare no one has helped me. I am begging to please make my case a top priority and review my case i am trying to by my house with my husband and can not because of this. my cell XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX Ga XXXX. Thanks!
04/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • IN
  • 464XX
Web
My name is XXXX XXXX Im a single mother raising my son, to my best ability trying to survive and maintain my family well fair.I have been struggling during these difficult times with COVID 19 pandemic, financially & emotionally. This debt /collection department has been hindering my credit enabling me to obtain better credit & promising future. I address this issues numerous times trying to clear a debt thats not even mine far as Im aware but cant afford for this to remain on my credit or allow this to affect me any longer than it already has which the negative report they added drop my score 78 points for continuously reporting debt not proven/validated to be my debt, Dept refuse to offer me a reasonable settlement base on my un - employment status demanding me to pay 85 % of Dept to be paid, this company is taking advantage of this situation not complying with government recommendations helping customers during this pandemic. I reached out to the company twice to prevent them from reporting on my credit for Dept that has yet been proven to be my debt please help me solve my concerns /issue with this un professional un helpful typically the worst customer service in the world Thank you
08/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 665XX
Web
I have been contacting this company each month since XXXX. I have contacted XXXX and XXXX as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. Monroe and Main is also reporting to XXXX that this is an unsecured loan and reporting to XXXX that it is a charge account. This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. Monroe and Main have failed to report mandatory information such as my last credit limit.
06/24/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07003
Web
i have contacted seventh avenue debt collector several times within the last 3 weeks about this fraud and identity theft of a XXXX XXXX card placed in my name and now attempting to be collected by them last time was XX/XX/2022 seventh avenue XXXX XXXX XXXX XXXX, WI XXXX XXXX ( there address, on my credit reports... ) at this number ( XXXX ) XXXX and talked to XXXX I had told her I called before about this identity theft/fraud and how the other customer relations personnel from last call had indicated they would send me a formal dispute form which i never received nor is it on record that they sent one out as it was indicated to me by XXXX... I reported this fraud to them and to all three credit agencies so far they have rejected my online disputes and refused to give credence or legitimacy to my dispute nor have they sent me the dispute documentation they promised to, so i can formally dispute by paper and not only online which i have already done several times through my credit report agencies and XXXX XXXX i have been falsely accused of owing XXXX dollars and past due of XXXX dollars and on this fraudulent account and debt collection it indicates i am 120-140 days late...
06/03/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 48036
Web Older American
My complaint is with Seventh Avenue, a Catalog Clothing Store. I ordered 2 items from this catalog. I paid them off in full with Money Orders. I had problems with Seventh Avenue because they tried to act as if they didn't receive the money orders. Once they finally acknowledge my payments. I knew I would never do business with them again. Months down the line I see on my credit report with XXXX a past due charge of {$530.00}. This charge lowered my credit score. This came to my attention immediately because I was in the process of cleaning up my credit. No program. Just addressing each charge separately. I disputed this charge with XXXX. I called Seventh Avenue and they sent me this letter to file an Identity theft report. I was living at XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX when the catalog was sent without my request. When the charges appeared on my credit report I was and still am living at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I don't know if the tenants who moved in after me on XXXX XXXX used the catalogue or if Seventh Avenue put new charges on that catalog. I know that I did not do it. I filed a police report with the XXXX XXXX. Police Department.
05/05/2022 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 140XX
Web
I called the company and was told someone is buying perfumes and sending them to XXXX. I live in XXXX NY and asked them if they could have the person arrest or track them down, but they said that's very hard to do. They then told me they would look into the situation and would send me some sort of packet to state it was fraud? It's been 3 weeks and I haven't received anything ... And every time I Dispute it on XXXX XXXX it will pop back up on my credit. The strange thing is I gain XXXX credit points when it gets brought back on, but I seem to lose XXXX when I dispute it. Maybe I'm just reading it wrong. The balance is {$160.00}, but the weirdest thing about all this is that the person paid off some of the balance the first 3 months. It was opened in XX/XX/2021. CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA I then called XXXX and honestly Im getting tired of running around in circles, they told me I need proof that it was identy theft, and Im not sure how I am suppose to prove that... So they sent me to FTC... This was not my account, I want it closed, even if it hurts my credit. I would also like a security check if anymore accounts are opened, if possible.
05/20/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MI
  • 48236
Web Older American
Hello, I received a credit alert via XXXX XXXX that there was a hard inquiry placed on my XXXX credit report from Montgomery Ward on XX/XX/2022. I have no applied for credit with Montgomery Ward and had no knowledge that this company was still in business. I contacted Montgomery Ward on XX/XX/2022 at XXXX EST and spoke with XXXX representatives, both state that the only time they place a hard inquiry is when an order is placed and both checked my name, address and phone number and states there's no order placed under my name so therefore, there could be no hard inquiry. This simply does not make sense, I understand what their process is but as I stated to both representatives, I have no applied for credit nor placed and order and therefore, this is clearly fraud. I asked multiple times to have a search via my social security number which was not granted although I was told repeatedly that there is no order under my name. I was assume that there would not be if this is a fraud case because why ever in the world would someone committing fraud be so kind as to steal my identity and also send me the order? I would like this issue investigated and resolved immediately.
12/17/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 85743
Web
I'm not exactly sure of all the details as I did not open these accounts. I have had my information stolen. Have been disputing these for several months. I've contacted the issuer 's, also through XXXX. Nothing has changed. I don't know how to prove that it was not me. There are several lots for trailers and mobile homes for rent on the property. A small rural community in XXXXThe only way I could prove my mail or information would have been stolen is to provide the several reports both with XXXX and published on several websites about the consistency of mail theft in my town by dozens of people. I never received anything nor did I even open up this account. First being a Montgomery Ward card. According to my credit file, was opened XXXX, in the amount of {$200.00}. Second fraudulent account XX/XX/2021, the amount {$480.00}. It's a puzzlement that myself and others are the victim, yet continuously being treated as the criminal. Meanwhile the scam artists and thieves hardly have repercussions to their actions. I'm a XXXX XXXX XXXX on a very small fixed budget. This has debilitated myself. Also had and is causing detrimental effects to my already XXXX XXXX XXXX
11/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 63033
Web Older American, Servicemember
Re : Unauthorized Credit Inquiry Account # XXXX XXXX XXXX XXXX Swiss Colony/XXXX and/or Colony Brands in XXXX, Wisconsin I have been a loyal customer of XXXX since XXXX, XXXX. During this time, I have enjoyed the clothing, shoes and boots. Choosing to pay down my balance before ordering anything else, which Ive done my current credit limit is {$1100.00} ; available credit is {$1000.00} with an outstanding balance of {$150.00}. On XX/XX/XXXX recently receiving your current catalog I saw a beautiful sequined dress and placed an order for it. On XX/XX/XXXX I received and email stating that I needed to pay for the item in full. On XX/XX/XXXX I was notified by XXXX that a hard inquiry was made by Swiss Colony/XXXX on XX/XX/XXXX that I DID NOT AUTHORIZE. Further, XXXX reported AGAIN to the three credit reporting agencies that I was 30 days late I was 30 days late in XXXX, XXXX which was reported XXXX, XXXX. However, XXXX also reported the same late payment AGAIN to the three credit reporting agencies on XX/XX/XXXX! HOW CAN YOU REPORT A LATE PAYMENT TWICE it dropped my credit score 30 points for a 2nd time because the same late payment was reported twice!
07/01/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 165XX
Web
There is a credit card from a company called Swiss Colony on my credit report, an account fro m XXXX /2010. This a ccount was not opened by myself, I had never heard of this company before this. I have repeated that over and over to them when the phone calls and collection letters started coming shortly after that date. I have disputed it with XXXX and XXXX all to no avail. I did receive a XXXX page letter fr om Swiss Colony asking for all na mes of who could of possibly opened the account in my name and then I was to have it notarized and mailed back. It could have been anyone. Where would I even begin? an ex boyfriend? XXXX of my XXXX XXXX XXXX sisters? The nasty neighbor XXXX doors down who doesnt like XXXX or dogs? I have XXXX dogs. They wont tell me if they have my signature for whatever was allegedly sent. I am trying desperately to clean up my credit so that I can purchase the home I have rented for almost 11 years and is now for sale due to land lords passing. I want this ridiculous nightmare over by having this removed from all XXXX credit reporting agencies. I will state again, this is not my account!
03/03/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92563
Web
Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint withXX/XX/XXXX credit reporting a few days ago and they/XX/XX/XXXXXXXX intentionally put a charge off on my account again as of the XX/XX/XXXXof XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.
03/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 92563
Web
Yes hello, I recieved credit for furniture & some electronics products from XXXX XXXX/ Swiss Colony credit online. I made most of the payments online or over-the-phone for these products, until I was injured on the job and was out of work for 2 + years on work XXXX. I missed a couple of payments due to this issue of being unemployed and out of work, but/ and most of the amount due was paid out of the {$860.00} total and only a few payments were missed. And XXXX XXXX Swiss Colony Credit has stuck me the consumer for the whole amount of {$860.00} which is Wrong and Not Right, I would like this record stricken/redacked from the/my credit record history of being a charge off. Because after making many payments for the products I purchased on credit, they don't have the right to charge me the whole amount!, like I never made a payment at all! This is completely wrong and not right. I would like this to be taking off, stricken/redacted from the record, because it is NOT CORRECT & hurting my credit at this very desperate time in my/our lives, when really need it ... Thank you, I appreciate your time. XXXX XXXX XXXX XXXX.
03/03/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92563
Web
Yes hello, I have a bad debt charge off from XXXX XXXX Swiss Colony from back in XXXX they have continually tried to hurt my credit since then and have successfully. I filed a complaint with XXXX credit reporting a few days ago and they/XXXX XXXX intentionally put a charge off on my account again as of the XXXX XXXX XX/XX/XXXX the next day from my complaint to hurt my credit again, and my credit report dropped 25 points because of the complaint. This is a outright intentional doing on their part to hurt my credit again and this is not fair and not right to hurt the consumer just because they try to get the credit report redacted or taken off of their credit. This is illegal and I am not about to stand down because of a simple debt charge off from this company, attempting to hurt me and my credits intentionally on purpose because of a simple complaint to get it taken off and redacted this is ridiculous and on purpose this should not be allowed to hurt the consumer over such a simple thing from years ago. This is ILLEGAL and irresponsible on their part to intentionally hurt me the consumer on purpose this is outrageous.
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32210
Web
NAME : XXXX XXXX Address XXXX XXXX XXXX XXXX, fl XXXX Email Address XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletlon of accounts listed IMMEDIATELY!
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32210
Web
NAME : XXXX XXXX Address XXXX XXXX XXXX XXXX, fl XXXX Email Address XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletlon of accounts listed IMMEDIATELY!
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32210
Web
NAME : XXXX XXXX Address XXXX XXXX XXXX XXXX, fl XXXX Email Address XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletlon of accounts listed IMMEDIATELY!
09/15/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NE
  • XXXXX
Web
Initially I thought this account was a result of fraudulent use because I specifically requested the account be closed and my purchase refunded when I found out my mother never received the items I ordered for her. When I first ordered the items they were sent to the wrong address. The company agreed to resend the items to her. Months later I asked my mother about her hat and dress and she informed me that she never received them. By that time I had already paid {$95.00} in reoccurring bill payments and with a credit balance of over {$100.00}. I informed the company that she never received the items, I wanted a full refund, and the account closed. The representative assured me this would be done. This company is destroying my credit by reporting the negative account that was a result of goods not received. My Fraud Recovery Specialist has attempted to work with the company to get them to stop reporting the information and issue a refund without much success. The collection agency they sent the debt to has assured me that they did not report the negative information so that means the data furnisher is XXXX.
04/10/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CT
  • 068XX
Web
Ginny 's XXXX I wrote them 3 letters and requesting by certifiy mail and notarized letter requesting the company to validate the debt with my original signature and they fail to provide. I sent this request to credit bureau XXXX, XXXX, and XXXX as well too indicating I wanted the company to validate the debt with original signatures and either party has done so on the 3 attempts that I have made. For example, I spoke with XXXX about this matter and they had the letter requesting the original signatures and it was not done. I even ask for a supervisor she then denied the letter was on file after previous rep stated the letter was on file and they did not get the return original signatures from Ginnys ' within 30 or at 30 day time frame. I also went the extra step to make a complaint about Ginnys 's to the BBB of Iowa where the company was locate they got no response after trying 2 attempts about validating the debt with original signatures I have a copy of this letter too. I advised both the bureau and the creditor what I needed to see verify this was my debt and both parties just ignored me. Please help.
01/25/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 08619
Web
In XXXX of 2021 Swiss Colony started showing as past due on XXXX and XXXX. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called Swiss Colony who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, Swiss Colony stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called Swiss Colony again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.
09/06/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • XXXXX
Web
XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from home visions saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as XXXX XXXX on XXXX XXXX report and XXXX XXXX on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX.
12/10/2021 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Credit limit changed
  • PA
  • 172XX
Web Servicemember
I recently applied for a line of credit back in XXXX to XX/XX/2021 with XXXX XXXX I was initially granted a credit line of XXXX dollars I made purchases through country door arould XXXX of merchandise I as a consumer faithfully and responsibly made good faith too pay the company for the purchases I made allways makeing payments never being late and have paid balance down too XXXX recently this company reported my account too the credit bureaus dropping my credit limit from XXXX too XXXX dollar credit limit throwing my utilization at 228 % for this account causing damage too my score I feel as a consumer Ive been targeted by a mistake on the part of XXXX XXXX and its company I contacted the company too reference my case without any reasoning and told them I felt I had the rights as a consumer too be concerned of such unfair business practice and would report the matter as a consumer that has made a good Will effort too pay my obligation over time and Ive not been late on any of my current obligations too anyone Im doing business with I respectfully ask for a investigation thanks for your time.
01/10/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • OK
  • 73120
Web
In XX/XX/XXXX I contacted XXXX XXXX XXXX to close my credit card account. I received the attached letter confirming this request also in XXXX. I always check my accounts to ensure they were closed so in XXXX I saw the account was not closed and contacted them by phone, I do so again in XXXX and again in XXXX. I finally wrote an e-mail and received the attached response that the account was closed in XXXX and yet today I logged in and found the below ( please notice the XXXX XXXX date of today : Welcome, XXXX! Thanks so much for being our customer! Update your account, track orders, make payments and more right here, anytime you want. XXXX XXXX Account # XXXX Change Account Plan O Credit Status as of XX/XX/XXXX Available Limit {$1300.00} Balance {$0.00} Credit Limit {$1300.00} I want the account closed with no credit limit. I simply do not understand their failure to so after repeated requests and continually telling me the account has been closed. See attached letter and e-mail. This is a travesty and increases the chance that someone could get hold of this account and commit fraud. XXXX XXXX
04/22/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • WI
  • 53589
Web
We received two packages in the mail, one each from Mongomery Ward and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I googled it came back as a fraudulent : XXXX. I simply want the accounts closed. I worked with identity theft.gov and sent required letters to both companies. Spoke with representative XXXX and she relayed they did not receive my letters. I mailed certified letters and company acknowledged receipt, but still haven't closed the accounts despite working with the XXXX and local law enforcement. I'm certain the companies internally set up the fraudulent accounts and now won't close them. Beyond calling a lawyer what else could/ should I do?
08/16/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 72209
Web
What happened? In XX/XX/2018 I disputed a item that was incorrect on my credit report. The incorrect item which is XXXX XXXX. The credit report agency reported that the item was verified. I sent a certified letter to XXXX XXXX requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM XXXX. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX, XXXX to the address reported on my credit report which is XXXX XXXX XXXX XXXX WI XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/2018 and they have not responded to me.they received and signed for the letter on XX/XX/2018 today is the XXXX day and I still haven't received my request XXXX XXXX Account XXXX
12/17/2015 Yes
  • Credit card
  • Transaction issue
  • ID
  • 83704
Web
I received a " thank you for your order '' e-mail from Swiss Colony company, although I never submitted an order. The customer service person said that the order was on it 's way and there was nothing they could do. They said I could n't return the package, assuming it arrives at my address, since it is perishable food. They said I could not get a refund to my pre-approved credit account. They said that they were not authorized to close my credit line with XXXX, so this person can and probably will order again, using my name and account number and line of Swiss Colony credit, which is over {$2000.00}, although their first 'bogus ' order is {$130.00}, and XXXX. said I am responsible for the bill. I ca n't believe this! It is an outrage. I am the victim here, but cust. service told me I must get a paid, notarized letter explaining/proving that I did not actually place this order. The phone number on this order is not mine, however, they would not give me the phone number of the person so I can figure out who placed this order, citing " privacy '' concerns, of all things. Can you help? XXXX XXXX
03/09/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60123
Web
I have called Monroe and Main and been put on hold for hours. someone needs to call me from the IT department about the issue with paying my bill. I can not pay it online. My account shows a XXXX balance and it will not recognize my account number. They have sent emails telling me how to fix it but it does not work. They are continuing to report me late without giving me a tool to pay. I will not give you my personal credit or bank info over the phone and will only pay online as I have before, their sollection practice is to lock a consumer out of the billpay system once they are late and to force them to provide bank account info over the phone. If you refuse to provide bank info to a stranger they call numerous times a day ignoring the request to unlock the online pay tool. I have requested they escalate to the compliance department but that was not done. This is the same account service for my Swiss Colony and Seventh Avenue accounts. All are late now and they are not providing an option to pay other than over the phone providing bank account info to a stranger. .My number is XXXX
11/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55044
Web
On XX/XX/XXXX I checked my credit on XXXX XXXX. They said that I had a hard credit pulled on XX/XX/XXXX with XXXX XXXX. I havent authorized or opened a new line of credit with XXXX XXXX. Ive been a long standing customer of XXXX XXXX since XXXX. I spoke with the supervisor of XXXX XXXX, XXXX, to see if they would correct it. She said every time you use the XXXX XXXX credit they pull a credit report and its outlined in their terms and conditions. I havent used the line of credit for 6 months or a year with XXXX. I believe its okay that they do pull a credit check, I just dont agree that it should be a hard credit inquiry but rather a soft credit inquiry because Im not a new customer applying for a line of credit but rather an existing customer since XXXX. Id like this removed from my credit report, but XXXX, the supervisor wasnt willing to do so. She told me to dispute it with the credit bureaus. I will do that but I wanted to let you know too to get this resolved. I dont want this on my credit report for two years. I think this is unlawful and shameful to consumers. Thank you!
06/12/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 39401
Web
Checked my credit report to find that I have a negative claim from Swiss Colony ( A ccount # XXXX ). It states that the date opened was XXXX XXXX , XXXX , was then closed, charged off and the status updated XXXX XXXX , XXXX and the balance is {$640.00}. Last updated XXXX XXXX , XXXX . I have never ordered fro m Swiss Colony be fore so I called the company at XXXX ( XXXX ) XXXX . The representative told me that I ordered throughout the last few years and that my s ocial security number was used. The representative then said she would flag it as fraudulent and send me paperwork to file. She never offered to cancel the charges just to say that she ca n't promise the collection agency wo n't still be trying to contact me. I called bac k 30 minutes later to see if they could give me the address these items were being sent to but they would not release any information to me. I 'm not sure what the next steps should be as the company will not give me any information and this is negatively effecting my credit score. Thank you in advance for your help.
09/19/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 20706
Web
colonybrands or Swiss Colony Subsidary coXXXX Montgomery Wards I have been charged late fees on payments that were made to the merchant 4 time between XX/XX/2020.XX/XX/2020. the merchant and the financial institution were experience errors errors that was causing the payment to decline, However, the merchant was issuing payment confirmations/validating funds. However the error that was being given was an issue for the Merchant and the bank to resolve ( XXXX XXXX ) After I realized that the payment had not gone through I reissued the payment, after the second failure I contacted the merchant, only to get bounced around for days, I reissued it again and finally, I was given information that led me to understand the error, I have asked the merchant 4 times to contact the bank and requested a refund of the fee. only to be ignored. I have requested a letter detailing the problem, only to be ignored. the error given was XXXX '' However the both addresses are Identical. This is merchant and bank matter. I need THEM to resolve there system issues and clear my account
10/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63135
Web
XXXX XXXX is reporting to the credit bureaus that I have a {$100.00} credit limit, but my balance is {$270.00}, I called to ask why are they reporting it like that, and was told " your credit limit is {$100.00}, but we allowed you to purchase items totaling {$280.00} '' First item {$92.00}, on a {$100.00} credit limit ... the next item was {$180.00} on a {$100.00} credit limit, so why would they do that, it makes the customer look like they are way over the limit, why not report the total balance you allowed to be purchased? Spoke with rude supervisor XXXX, he said " it's over the limit due to missed payments '' NO, it's over the limit because of the charges you allowed I fell behind after Covid and out of work, but it is not the reason it is over the so called {$100.00} limit, This should not be allowed Also I never was told I had a credit limit, when I made the first purchase of {$92.00}, I could have ordered {$300.00} worth of merchandise, the first rep told me that I didn't have a credit limit, he hung up on me and I called back and asked for supervisor
03/02/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NY
  • 13760
Web Older American
Placed a gift order with Swiss Colony.After order, other sites sent me catalogs with buy now, pay later with XXXX payments. I ordered holiday gifts, expecting monthly charges to be low as advertised. Once I placed orders, more credit was extended to me from different sites and advertised payments of XXXX a month. I could afford that. When I got the bills, the payments were as high as XXXX a month with 28 % interest. To my surprise, when I contacted one of the companies, I learned they were all the same company. Rather than 1 revolving account, they were billing for each separate order, charging 28 % interest on each order and payments added up to XXXX. A month. When I questioned them about the advertisement of low payments, they laughed at me and hung up. I had a XXXX and spent awhile in the hospital. When I recovered, I looked at my once good credit reports to learn this company placed 4 different charge offs to the orders all owed by the one company who is deceiving people about who they are and how they are violating users laws with their scheme.
12/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • MN
  • XXXXX
Web
XXXX XXXX : A company going by the name of " XXXX '' and " XXXX XXXX '' began sending me invoice statements for products or services that I did not order. This account is fraudulent. I have never ordered anything from this company, nor has any member of my family ordered anything from this company. The company 's address is listed as XXXX XXXX XXXX, XXXX, WI XXXX. XX/XX/2022 : The company " XXXX XXXX '' sent a notice threatening to turn the account over to a collection agency if the invoice wasn't paid. XXXX XXXX XXXX : I discovered the company XXXX XXXX XXXX XXXX information about this fraudulent account to my local credit bureau. I discovered this when I applied for an auto loan to purchase my wife 's car. Because of the damage to my credit rating caused by this fraudulent report, I was unable to secure auto loan financing. XX/XX/2022 : Called the number on the XXXX XXXX invoice and the company refused to close the account. The representative said to file a report with the FTC. XX/XX/2022 : The company XXXX XXXX sent another invoice to me.
12/24/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • SC
  • 29150
Web
Dear Sir. : I am writing this letter to file a complaint. My Aunt XXXX XXXX opened a credit account with XXXX XXXX in my name without my consent. I want the account closed, but XXXX XXXX refuses to discharge the account. They have sent the account to collections and may bill me in the future. The account number is XXXX. XXXX XXXX is my Aunt, and she is a retired employee of the XXXX XXXX XXXX XXXX. She does the XXXX for my dad and others in our community. XXXX XXXX falsely claimed that I live with her. I do not live with her! She also claimed me as a dependent and collected a {$500.00} Stimulus Payment from the XXXX. In return, I did not get my {$1200.00} Stimulus payment. Only my dad can claim me as a dependent because he is my Social Security Representative Payee. He and I live together. He told me that he did not claim me as a dependent. XXXX XXXX are also billing me. I bought a XXXX XXXX. To get my online XXXX XXXX hooked up to my XXXX XXXX. XXXX XXXX attempted to bill me for XXXX. I do not owe them anything, and I want this billing to stop.
01/28/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • FL
  • 338XX
Web
I received a credit card bill from XXXX XXXX. I have never used XXXX XXXX and never had a charge account with them and do not have a card in my possession from them. I called to dispute the charges and the customer service representative stated that the purchase was mailed and sent to somewhere in Alabama for perfume. I explained I don't have a card, have never shopped with them, never authorized credit for them and have never signed anything for them. They want my signature to dispute the charge instead of taking the information. My thoughts is that then they will have a signature to use along with the other information they apparently have on me. This is a common scam reported all over the internet but I do not want a {$90.00} charge to affect my credit score ( which sits around 840 right now ). This is fraud, it is a fraudulent charge and I have no idea what my recourse is to get this removed. I requested that they flag and close the account since it wasn't requested by me nor do I know anything about it and they refused. Please help.
05/21/2020 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • XXXXX
Web Older American
Company-XXXX XXXX PAID FULL AMOUNT DUE {$47.00} ON XXXX XXXX. rECEIVED STATEMENT IN XXXX WITH PAYMENT SHOWING. XXXX BALANCE. XXXX STATEMTN RECEIVED WITH {$4700.00} BILLED PAST DUE PLUS 20.00 LATE CHARGE.cALLED BILLING, ADVISED BILL WAS ALREADY PAID, tHEY VERIFIED XXXX BALANCE DISREGARD BILL.XXXX RECEIVED ANOTHER BILL, nOW ADDITIONAL LAE FEES. cALLED AGAIN AFTER SENDING WRITTEN BANK STATMENT SHOWING PAYMENT, AND iNTERNET COPY OF BILL WIWTH XXXX BALANCE. cALLED AGAIN EXPLAINING SENT LETTER TO ADDRESS OF BILLING STATING FORMENTIONED ACTIONS. wAS TOLD i HAD MULTIPLE ACCOUNTS WHICH WERE NOW AT 4. i ONLY HAD ONE. wAS TOLD BY XXXX A BILLING REPRESENTATIVE SHE WOULD INVESTIGATE AND SEND ME A LETTER FOR THE PURCHASES. i NEVER RECEIVED A REPLY. jUST ANOTHER BILL IN XXXX FOR MORE LATE FEES AND SENDING TO COLLECTIONS IF NOT PAID. i CAN NOT DO ANYMORE THAN THE CORRESPONDENCE i HAVE ALREADY SENT TWICE WITH NO REPLY EXCEPT ANOTHER BILL. i WANT TO FORMALLY FILE A COMPLAINT AGAINST XXXX XXXX FOR THEIR ERRORS. tHEY WILL NOT RESOLVE THIS ISSUE.
07/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23320
Web
I have received bills demanding payment from 7th Avenue and Montgomery Ward which tell me that my credit report WILL show a negative rating unless they receive my payment by a certain date. The most recent statement demands {$60.00} by XX/XX/22. The letter states : " Every month we report the negative information on accounts to the three major credit reporting agencies, XXXX, XXXX and XXXX. If you want your credit rating to be positive, you need to send your payment. If we don't get your payment in time, your credit report will show a negative rating. A negative rating can have potenially bad consequences, including : Inability to get a CAR LOAN ; refusal of a JOB, Inability to get a HOME LOAN, Inability to RENT HOUSING. '' I'm not exaggering " car loan, '' " job, '' " home loan '' or " rent housing '' as the letter actually shows capitalized letters. I have contacted the company multiple times to ask for help with the account and explained by situation each time, but they have refused any assistance when I was unable to pay.
07/18/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 75023
Web Servicemember
I have contacted XXXX XXXX , regarding a negative report that they have placed on my credit report with XXXX , XXXX , and XXXX credit bureaus. I have asked them to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FCRA. They also broke the federal law, by not reporting that I was disputing the account that they reported to all XXXX credit bureaus as required by the FCRA. My first dispute was on XXXX / XXXX /201 7. XXXX XXXX signed for a letter from me on XXXX / XXXX /2017 that was sent certified/return receipt. Another certified/return receipt letter was sent on XXXX / XXXX /2017 signed for by XXXX XXXX on XXXX / XXXX /2017 informing them they had violated federal law per FCRA rule 623 ( a ) ( 3 ). Their willful noncompliance has caused me financial hardship and I am asking for your help in this matter. I have attached all correspondents with XXXX XXXX for your review.
05/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 025XX
Web
XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, WI XXXX insists that I had a revolving account with them that went unpaid and has filed a negative credit report despite my numerous calls to them to explain that I have never, ever had a XXXX XXXX XXXX credit card. These people don't listen. I was a victim of identity theft years ago by a person I was temporarily helping out with housing and this debt was apparently part of that. In addition, I had just had a XXXX XXXX XXXX before the dates mentioned and had no reason to purchase clothing because I didn't go anywhere for nearly a year afterwards. I have asked that XXXX XXXX XXXX produce a document with my signature or other agreement proving that I applied for credit with them but they have thus far been unable or unwilling to provide it. The irony is that this is a clothing store with clothes made primarily from synthetic fabrics to which I am allergic. I am able to wear only natural fiber clothing such as cotton and linen. They do not have clothing I could or would wear.
01/09/2019 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • XXXXX
Web
I received a email from XXXX XXXX XXXX prompting me to review my file as there had been a change to my credit file and I discovered after reading through the 5 pages, that the same company who has been continuously harassing me as well as ruining my fico score is the same company .I have attached the 5 pages. This is the company that claimed I ordered a mail order and I did not do such a thing. They also said that they were going to contact collections and they also did that they need to be stopped and I have tried to do so and I would like to ask for your help as they will not stop. I have did what they wanted and that was to send them a affidavit stating I did not make a mail order. That has not stopped them they have continuously reported negative to XXXX, XXXX XXXX shows my score as a XXXX and that is correct as I have worked hard to get my score that way so that I could buy a house. They are using 3 different names and it started out as one.They have used different amounts that they state I owe.
06/17/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MA
  • 02135
Web
The company Seventh Ave. in the previous report : # XXXX, has NOT followed through by removing a " duplicate account '' that I never requested & don't use. And they've used that as an EXCUSE NOT TO REPORT MY EXCELLENT CREDIT!! They said in the former complaint as a response that they would find a way to REMOVE THE DUPLICATE ACCOUNT, & THEN REPORT MY EXCELLENT CREDIT to ALL the credit bureaus AS THEY SHOULD!! But THAT NEVER HAPPENED!! They need to follow through with removing this " duplicate account '' that is THEIR system error & THEIR PROBLEM TO FIX!! & THEN REPORT MY EXCELLENT CREDIT MONTHLY AS THEY SAID THEY WOULD & THEY'RE SUPPOSED TO!! Also my billing address has changed to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Massachusetts XXXX United States, but every time I update info. w/ them they GIVE ME A NEW ACCOUNT #!! THEY ARE GOING TO HAVE TO KEEP MY ORIGINAL ACCOUNT ENDING IN XXXX, fix the billing info. & REPORT MY POSITIVE CREDIT just like any other company would. WITHOUT screwing up my account!!
08/22/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72209
Web
I received my response back from XXXX XXXX from the CFPB on XX/XX/2018 and XXXX XXXX stated that they are not required to show original contract,, XXXX XXXX still violated my right by not responding to my certified letter by mail, ,within 30 days I've showed proof that I sent them a certified letter and proof the day they received it, by law they were supposed to respond to my certified letter,,, I haven't gotten no response from them my mail,,, I even asked to received information on the verification process that was done to verify the account that's reporting on my credit file, they still haven't sent it and its pass the 30 days that they were allowed to reply back which they have not did,, I am a consumer and they supposed to respond back to my certified letter if they reporting items on my credit report,,, I asked for information and by law I should have received a response within 30days. they failed to do so XXXX XXXX has violated federal and state laws,, by not replying in a timely manner,
04/15/2016 No
  • Credit card
  • Closing/Cancelling account
  • CA
  • 93722
Web
Seventh Ave has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Seventh Ave continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27909
Web Servicemember
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 # XXXX Account # XXXX Account # XXXX MONTGOMERY WARDS, ACCT # XXXX Account # XXXX Account # XXXX 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 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.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
07/02/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 940XX
Web
Someone stole my identity and used it to open a fraudulent credit card with Montgomery XXXX to purchase merchandise. The first time I heard about, I received an invoice from Montgomery XXXX for products that were shipped to a different address than mine. That should have been a " red flag, '' which they ignored. I contacted them by telephone to advise them about the fraudulent credit card. They promised to take action and did nothing. Since advising their credit department, I have written several letters explaining the situation. However, they actually let the criminals charge more goods, and continue to send me invoices and reminders about payment. I am at wits end. Today, I received a letter from them stating that they have heard nothing from me, which is a lie. I believe they have tossed my letters into the trash and continue to harass me. I wonder if Montgomery XXXX is a legitimate retainer, or a scam organization. Please let me know what I have to do to get these predators out of my life.
05/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02149
Web
Im trying to get a apartment Im elderly XXXX so I figured let me check I received a email from XXXX so I figured let me check I could not believe it!! All my information about me, name, every address, my social security number, my cellphone numbers, date of birth Then theres, things that were open in my name I have no idea.. who or what was XXXX XXXX,,?? No clue never ordered from this company I had to XXXX it to see what it was XXXX XXXX?? No clue?? Same thing I XXXX this company I never ordered anything from them, XXXX cell phone!!! Phone service was opened in my name!! I have been a customer of XXXX Cell Phone company XXXX please do the math, XXXX XXXX XXXXe XXXX when would I ever used that service, I been in XXXX Ma over XXXX I only have used XXXX XXXX XXXX My name and information has been used to open these accounts FRAUD, anyone could of got my information off the web I did put a freeze on it I need help removing these companies off my report I need to build credit I need a apartment
12/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19120
Web
I have been purchasing products online with the Swiss Colony for many years. However, when I logged into my account last month to purchase a new order, I saw a message below. I have not had a line of credit with this company since XXXX so I called them immediately. They claimed that the balance was still due and that I needed to provide proof of payment before they would update their system. I explained to them that I would not have proof from almost 25 years ago and that they could not legally collect the money after 7 years. I was told rudely, that it was on me to provide proof of payment. I pulled my CBR and did not see the amount on it. But, I am concerned that what they are doing is illegal. ALERT : Your account is 480 days past due. In order to make your account current, please make a payment of {$34.00} or call our credit department at XXXX. XXXX XXXX Account # XXXX Change Account Plan A Credit Status as of XX/XX/XXXX Available Limit {$0.00} Balance {$35.00} Credit Limit {$0.00}
10/22/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NY
  • 14043
Web
seventh avenue at XXXX XXXX XXXX XXXX wi XXXX first off this is not my debt and also it has been put on my credit report. I called the company and several laws were broken due to FDCPA, the rep did not verify who they were speaking with, disclosed a debt that did n't belong to me also there was no call discourse done which are clear violations of the law. this company has put this on my credit report in 2007 for a XXXX debt. I have advised them it was not me and I am DEMANDING the trade line on my credit report is removed or I will be pursuing for laws that have been broken by there management staff and I would suspect it would cost a lot more than XXXX when I hand over the recording. also I would suggest that the owner or COO or board of directors contact me due to the fact that over XXXX and a law suit that would coast much more would probably not be acceptable, also I will be going to the news, social media about this situation. bottom line REMOVE THE TRADE LINE FROM MY CREDIT REPORT
01/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 109XX
Web
I had a XXXX XXXX of XX/XX/XXXX and my boyfriend is helping me with my credit. When we checked my credit report we noticed 5 credit cards that I never applied, used or signed for that have been closed and charged off. All of the credit cards have the same address and 4 of them were closed on the same day. Which doesn't make any sense. When I have tried to ask questions, or complain, I keep getting the run around, the companies are not found as seperate companies. Even on this site to complain the individual names don't come up. They only come up as XXXX XXXX XXXX. They are : 1.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$410.00} charge off 2.- XXXX XXXX/XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$450.00} charge off 3.- XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$460.00} charge off 4.- XXXX XXXX- open XX/XX/XXXXand closed XX/XX/XXXX {$230.00} charge off 5.- XXXX XXXX XXXX- open XX/XX/XXXX and closed XX/XX/XXXX {$130.00} charge off All at 1XXXX XXXX XXXX, XXXX WI XXXX
06/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 287XX
Web
Upon checking my credit report in early XXXX of this year, it came to my attention that Monroe & Main listed a very old account as past due. I had no knowledge that this account was still open let alone used for any purchases. It was only {$150.00}, so I decided to pay the balance and asked Monroe & Main to close the account indefinitely and to remove this account from my credit reports so in exchange for the full amount due. They did accept the payment ( XXXX ), but refused to honor my request to close the account and remove it from my credit reports. In accordance with the Fair Credit Reporting act Monroe & Main 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
12/14/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • XXXXX
Web
I found about earlier this year that a transaction had been done on my Swiss Colony account. When I found out about the transaction, I was XXXX at the time. I had started getting emails from XXXX about the account being reported as not paid. I reached out to the company while I was XXXX and they told me to dispute the charge. I told them I had no way of filing a fraud report via ftc while I was in the XXXX. They still continued to report that I am not paying them. They have placed these negative remarks on my credit report stating that I am over 200 days past due. I have since filed the fraud report and had it notarized to send to the company stating that I did not make a purchase on my account nor did anyone on my household. This company has ruined my credit and they refuse to remove the charges off the account to even though I have done everything they asked me to do. They are holding me responsible and I have told them multiple times, I did not use the account.
02/06/2017 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 27834
Web
I have written to this company called Swiss Colony and disputed the item on my credit report and requested them to provide documentation bearing my signature associate with the account. They did not do so. I also let them know that the account may be fraudulent as well. I have an fraud alert on my credit files because of this company. I have looked at my credit report dated today ( XX/XX/2017 ) and before that date I did n't see the statement disputed by consumer in the remark area on my credit files. Instead in the remark area : Profit and loss write off. This statement is in the remark area. This company has broken the law called FCRA because they failed to place the statement : " disputed by consumer, '' and I do want the company to delete the entry from my credit files. I have requested this company to provide proof of any documentations bearing my signature with this account. They failed to do so with that being said I want the entry to be deleted immediately.
12/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 631XX
Web
Subject : Disputing Information in Credit Report DUE TO : ( 1 ) NO PURCHASES FROM AND ( 2 ) COMPANY OPENING AN ACCOUNT WITHOUT MY KNOWLEDGE. COMPANY NAME IS GINNYS. I am writing to dispute the information that is currently affecting my credit history. We have been scammed by a company whose name is Ginny 's. They are in XXXX WI XXXX. We have never heard of this company until this issue started. We started getting some mail from this company. We thought it was junk mail and threw it away. When I opened one of the mailings recently, it looked like a bill for a purchase they thought I made. The letter looked official and had an account number assigned to me. Today when I was paying bills, I noticed my credit history had gone down. The company 's name that appeared on the list was Ginny 's and it says I have not paid. I saved some of the recent mailings. I am requesting that Ginnys wrongful credit report be removed AND that my previous credit rating be resumed.
12/20/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • PA
  • XXXXX
Web
I made a purchase from Ginny 's using another credit card. Ginny 's created two orders charging my credit card for one order and opening a new credit card account with them without my permission, charging that card for the same exact order as well. I was double charged. I believe the representative purposefully opened a credit card in my name to get credit for opening a charge account. Ginny 's fraudulently opened a charge card in my name without my permission. My order was paid. I specifically asked the representative not to open a charge in my name when she asked me. Yet she did it anyway. I have received partial shipment for the order I requested and no items for the double billing. I've tried three times to get credit for the double billing and close the card to no avail. I did speak to two reps, but was put on hold for a long period of time without resolution. The order number to be credited is XXXX. The original order charged to my other credit card is XXXX.
01/31/2017 No
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • NC
  • 27834
Web
The situation is about a company named Seventh Avenue. I did open an account with this company in XXXX. I received the the products which were window curtains. I did n't like them and I return them back to the company. I did not get any thing else for this company. This company later charged me a shipping charge which I do n't think I should pay nor should they have put this on my credit report. I have written a letter to this company that I dispute the account and wanted to be shown proof of the account. They never did response with proof. I had also written them a letter about paying the {$20.00} balance in exchange for them to delete the entry from all my credit reports, XXXX XXXX, XXXX, and XXXX. I have not heard nothing from yet. Anyway they have boken the fcra law because they never applied the statement the consumer disputed the account. I looked at my credit report on the XXXX/XXXX/2017 and the statement is not there. I want the entry deleted immediately.
12/15/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 152XX
Web
I contacted XXXX XXXX XXXX XXXX and they have ignored my request. They keep placing new, negative, payment activity monthly on an account from XX/XX/2014 that they filed an insurance claim for and sold to a collection agency. How does an account that was charged off have new activity on it from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? How does a closed, charged off and sold account have a late payment, past due balance and balance? These erroneous error are messing up my monthly payments, balances used and owed and over all utilization. Can you please tell them to review this account and stop reporting new, incorrect, illegal and violations to my credit report monthly? The should correct the inaccuracies on this account or delete this account immediately, like they were asked to do since XX/XX/XXXX. I contacted the credit agencies and my credit file is still inaccurate. These error are preventing me from obtaining a mortgage, credit cards and loans.
07/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • NY
  • 132XX
Web
Hello, I've been in contact with XXXX XXXX for months trying to resolve this issue. It started with them denying me credit despite my good standing with their company. Also, they've canceled orders without cause. And, currently the situation has escalated to them now refusing to report my solid credit history to the credit bureaus despite them advertising this on their website ( s ) AND repeatedly telling me in writing and verbally that not only would they but that it is part of their business model that they willingly adopted. Still, several months have passed without them reporting my good credit history. Equally infuriating is that if my credit was poor then they'd been efficient about reporting it to the credit bureaus. A lot of time has been lost because of their intentional negligence and as such there's been direct negative impact to my credit score/history. My correspondence with XXXX XXXX has been with multiple representatives via email and phone.
08/30/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78628
Web
In XXXX of 2022 Seventh Avenue reported to the credit bureau 's that I owed them {$150.00} for an order that was placed on their website. I had never heard of this website, did not order anything, and did not receive a package. When I looked further into it they had completely gotten my gender wrong by saying it was for a " XXXX '' ... .I 'm a XXXX. It also was addressed to an address I haven't lived at for over 2 years. When I disputed this with XXXX, I also took the initiative to call the company and ask about it myself. I have a recording with a representative of Seventh Avenue 's billing department where they state that the issue has been looked at and will be removed from my account. It is now saying that it is my debt and is continuing to impact my credit. I have been lied to and mislead. Upon looking at other reviews it looks like this is a common tactic that the company uses to force people into debt with them. This company needs to be investigated.
05/31/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • MS
  • 394XX
Web Older American
I received a bill from Ginnys and under a certain amount owed amount ( {$100.00} ), the payment is suppose to be {$10.00}. The bill I received says I owe {$20.00} due by XX/XX/2022. The balance I owe is less than {$100.00}, at {$81.00} so my payment should be {$10.00} per month until paid off. The billing payment schedule says the same thing, is balance is under {$100.00}, then monthly payments are ten dollars per month, ( see attachments ). When I called to speak with a rep in the credit department about it, all I got was rudeness, and indifference, ( poor customer service ), what a bad way to treat customers. I ask the rep in the credit department to close the account effective immediately as I won't do business with a company that doesn't honor it's payment agreements with customers. i have been paying ten dollars a month as " required '' for the past two months or so, and I am not behind and my account is current, never been late with a payment.
06/06/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33470
Web
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA und er 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )
06/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 306XX
Web
on XX/XX/XXXX I contacted XXXX XXXX to pay a old debt was on my report XX/XX/XXXX as a charge off the company offered a settlement to pay account in full of XXXX and told me they would update my account with XXXX XXXX and contact them, well they did not I had to contact them twice to get a letter stating account settled in full .now XXXX XXXX has reported a charge off on my credit report a month past due on my credit written account off yet again on remainder balance of of XXXX which I had told them I would pay full amount on the phone at collection agency .I should not be getting hit with something when I have a letter saying account balance XXXX account setteled in full they have ruined my score it has brought my score down by 30 something points this month I had just moved up from the fair mark I have worked very hard to clean up my past mistaske this is taking to long to fix when it is clearly in black and white this is very unfair and unjust
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10463
Web
check these accounts that appear on my credit report, they do not belong to me, it is hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft GINNY 'S XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. dentity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. . Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
02/07/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78260
Web
I have disputed this bad debt that has been on my file for several years to XXXX and they failed to correct the issue. This account is not mine and I have no knowledge of this account. The account in question is Colony/ XXXX XXXX XXXX {$370.00} ( which shows a bad debt on my XXXX file account # XXXX I have contacted the merchant and they keep telling me that I just have to file a dispute with the credit bureau and they will remove it which Ive done several times and it still stays on my credit file which makes me believe that XXXX XXXX is disregarding my request to remove this bad credit debt from my file. I need your help because what Im doing on my end has not seemed to be in my favor and Im just going in circles Im tired of this and I really need this taken off my file, your help is so very much appreciated. Thank you XXXX XXXX XXXX XXXX Please feel free to contact me at my XXXX address above or my phone number at any time thank you.
09/01/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35124
Web
I am not sure what is going on with Ginny 's. I have had an account with this company for over seven years and has never been late with a payment. In fact, I have always paid this account in full when ordering items. I have tried to be civil and correct this problem with Ginny 's to no avail. What happened is Ginny 's billing system, where I purchased an item and never received a billing statement until I received a notice from XXXX that my credit score had dropped due to Ginny 's reporting a 30-day late. I immediately contacted Ginny 's and paid the small amount over the phone. This is dirty pool!!!!! I advised the phone tech to check my payment record where I have never paid late. Why is Ginny 's mistake been reported as a 30-day late and such a small amount? If you want to bill a customer, why not send out a bill via online or through the mail -- in which Ginny 's never did in this instance. Did not even receive a reminder -- nothing.
08/17/2017 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27263
Web
Upon checking my credit report on XX/XX/2017, I noticed XXXX XXXX had placed a Charge-off on all three reports XXXX XXXX, XXXX, and XXXX. I disputed these findings with the company and all three CRA 's on XX/XX/2017. I received a letter from all three CRA 's stating that the account had been validated, but got nothing in writing showing the validity of this account. The amount written off was supposedly {$95.00} but it shows as paid less than full amount of {$47.00}. I have received documentation from XXXX XXXX that this account was paid in full with a {$0.00} balance. I was never notified about this account being reported as a Charge-off. I would like this account removed from all three reports, or send validation of this account. XXXX XXXX never sent me anything in writing about the validation of this account except the letter showing paid in full {$0.00} balance. I have disputed this account 3 times with no results or explanation.
10/31/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 44111
Web
The company ( Collection Bureau XXXX ) accepted funds to legally settle a debt ( Montgomery Ward ) but never provided information that the debt was settled. They never refunded me or the debt management company XXXX XXXX XXXX XXXX XXXX I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : Montgomery Ward - XXXX. And the rep confirmed the same Account Number to me as well. The settlement we had worked out with Collection Bureau XXXX was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.
12/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • XXXXX
Web
I called XXXX XXXX after reviewing my credit report realizing that they reported a XXXX charge off under my SS number. I explained I never had an account with them but did recently open an account with their sister company XXXX XXXX. I advised them to remove it and they told me that it USED TO BE in my name. I asked them what USED TO BE IN MY NAME MENT. They said the name on the account was changed but my SS # stood and if I wanted it changed I had to get this person to write a statement excepting responsibility IF NOT the charge off would stand in my name ... I told them the bottem line this acct had nothing to do with me, was never signed by me, never requested by me ... My question is if I really had a charge off with XXXX XXXX, would their Sister Company recently open a brand new account with XXXX XXXX ... Absolutely not ... I beg XXXX XXXX to correct my Credit Report and perminately remove this account from my Credit Reports
05/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23225
Web
I have contacted ALL 3 Credit bureaus on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2020. I have contacted them about a particular account XXXX XXXX account # XXXX. The other 2 credit bureaus XXXX and XXXX I explained to them that I'm a victim of identity theft they request proof from the creditor and they found that the account did not belong to me and they have deleted. XXXX claims they receive proof that the account belongs to me and refuse to remove the item from my credit file. So now another company called XXXX XXXX account # XXXX that's reporting the same item on my credit file and they refuse to delete it. They are reporting it as a charge off. On XX/XX/2020 I sent another certified letter also letting XXXX know that XXXX and XXXX deleted the item. I was told by a rep that the other credit bureaus had nothing to do with them and the item will remain on my credit report with XXXX.
09/06/2023 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
  • FL
  • 33027
Web
I disputed information on my credit report regarding XXXX XXXX to XXXX, XXXX, and XXXX. XXXX is the only reporting agency that refuses to change and increase my credit score. XXXX was provided information and supporting documentation the same as XXXX and XXXX regarding this dispute. In the past I have had issues with XXXX tarnishing my credit report with their refusal to make change to certain consumers report. This is very unfair. I feel XXXX needs to be investigated for their unfair and biased practices. I truly feel that XXXX XXXX is using XXXX to unfairly push their unfair agenda to tarnish consumers credit scores and to push their unfair practices to violate consumers and the fair credit reporting act. As stated before, from past experiences XXXX is not receptive to consumers complaints and disputes. It is very rare that XXXX cooperate fairly with consumer dispute for fair resolution. This is very unfair to consumers
11/08/2018 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • 70458
Web Servicemember
XXXX XXXX XXXX allowed some one to call in over the phone and create a credit card in my name and then shipped it to this address under my name : XXXX XXXX XXXX XXXX XXXX GA XXXX in the amount of XXXX, XXXX was the agency that approved the credit card account ; then when I called XXXX XXXX and spoke with a person name XXXX in the credit card department and she told me I had to file a police report and complete all this paperwork and submit and they will f ... dispute the charges. XXXX LA police report number is XXXX ; FTC.gov report number is XXXX. I sent a dispute letter to XXXX XXXX and I froze my information with all the three agencies XXXX XXXX, XXXX and XXXX for 7 years or longer until I can get a copy of my credit report and see who else have created cards ' etc. in my name since the data breach with XXXX. XXXX would not give me the information like my social security information that the company used to do this with.
08/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • DC
  • 20003
Web
XXXX & XXXX ( aka XXXX XXXX ) is reporting my accounts as being charged-off. However, I have been making payments through XXXX XXXX XXXX, every month, since XX/XX/2017. The creditor is reporting a charge-off, even though I have been faithfully making the payments on a proposed payment arrangement that THEY REJECTED. At the advice of XXXX XXXX XXXX, I made the payments, regardless. They have accepted those payments, because since XX/XX/2017, they have not issued any refunds of the payments ; however, they continue to perniciously report these accounts as a charge-off. The documentation indicates they are now acknowledging payments, but deny the dispute I have submitted at least five times through all three credit bureaus. The erroneous reporting continues to adversely impact my overall credit rating and credit scores, which paralyze my ability to do anything, even though I earn an adequate salary to become a home-owner.
03/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43232
Web
I have a unverified account from XXXX XXXX / XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX XXXX / XXXX Cease and Desist all further communications. XXXX XXXX / XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against XXXX XXXX / XXXX with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.
08/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • PA
  • 19454
Web
This account ( XXXX # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions. The issuer will not furnish complete and accurate information to the credit bureaus. On XX/XX/XXXX, XXXX stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit report.
06/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 01702
Web
There are two accounts on my XXXX, XXXX and XXXX credit file that I do not recognize, the accounts are showing as discharged in bankruptcy but the problem is that I never had accounts with these companies called XXXX XXXX and XXXX XXXX, there is no phone number being reported and it says that the accounts were opened in XXXX and XXXX. I have disputed these accounts with all three credit bureaus and for some reason they told me that the accounts was verified as accurate. I know this cant be right because like I said I never had an accounts with these companies. I asked all three credit bureaus for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.
02/16/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IN
  • 467XX
Web Older American
XX/XX/22 - received XXXX XXXX credit card statement in the mail for purchases made on XX/XX/22 totaling {$430.00}. I never applied for this store credit card. XX/XX/22 - called XXXX XXXX and talked to their fraud/loss department. They are supposed to be closing this account and say I will not need to pay this fraudulent charge. They confirmed this account was opened by someone in XXXX, West Virginia and the address is XXXX East XXXX XXXX Farimont WV. They used my address for billing purposes and social security number to open this account, but the item they purchased was sent to the West Virginia address. XX/XX/22 - went to local police station to file fraud report, they opened up case # XXXX and they referred me to file a compliant with the company and the Federal Trade commission ; FTC directed me to CFPB. Police station also told me to call XXXX XXXX to talk to fraud department and try to resolve.
08/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 85207
Web
XXXX 's appears to be a home furnishing store, which is based online. I have never purchased anything from this company. I have not received any products or services from XXXX 's. I have not applied for any credit with XXXX 's, either. Upon receiving a bill from them for a little under {$500.00}, I called XXXX 's at the end of XXXX. I was told a tablet was ordered for delivery to a state which I have never visited. They said they would send me a form to submit a fraud claim. I have yet to receive it. Oddly, XXXX 's also said the order had been cancelled by their Fulfillment department and the tablet was never shipped. When asked why the charge could not just be removed since no products were provided, I was told again that I would have to submit a fraud claim and a form would be coming to me to complete. It has been a month and I haven't gotten said fraud claim forms, but I have received another bill.
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MI
  • 480XX
Web
XX/XX/2022 I placed an order with my swiss colony account and swiss colony fraudulently opened another account the day after my order was placed and when I tried to pay my original account it showed a XXXX balance and I tried several times to contact them about it without results until I got a thirty days late notice for an account I didn't open I called again.They told me it must have been a system glitch and they would fix it and close the second account they did nothing and then blamed it on me and XXXX was notified of this and that I wanted the account closed as I didn't authorize it. They assured me they would fix it and they didn't do what they said either even though I showed proof of my first account and the date I ordered and the date the new account was opened which was the day after my order was placed. They alsoade a hard inquiry to my credit bureau which negatively affected my XXXX XXXX
05/17/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 62521
Web
XXXX XXXX XXXX client XXXX XXXX ( formerly XXXX ) is an identity theft victim. Someone used her information to apply for a credit card with XXXX XXXX A dispute of the application was submitted to XXXX XXXX XXXX / XXXX / XXXX certified mail with return receipt. In XXXX XXXX a review of her credit reports was conducted and the XXXX XXXX inquiry was still listed. Contact was made with XXXX XXXX and we were advised that by XXXX the inquiry would be removed. A check of the credit report was done again in XXXX XXXX and the XXXX XXXX inquiry was still listed with XXXX XXXX . A formal dispute was sent electronically to XXXX XXXX XXXX / XXXX / XXXX ; as of XXXX / XXXX / XXXX XXXX XXXX confirmed XXXX XXXX is reporting the inquiry as valid. At this point there are now several violations of the FCRA from Both XXXX XXXX and XXXX XXXX .
10/10/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 762XX
Web
The XXXX XXXX sold my account to a collections company but is still reporting debt by them. I first tried to request a letter stating that if payment was made it would be reported as such on Monday, XXXX. At that point they told me they sold the account to a collections company and I would need to pay the collections company, then I would need contact XXXX XXXX. I then requested a letter stating that they had indeed, as they stated, sold the account to another company or that they do n't hold the debt any longer. They refused this as well. Today, Tuesday, XXXX I called back telling them I really do need that letter especially since they are who are reporting the account too. XXXX XXXX again refused to issue a letter to me, but then told me XXXX XXXX go ahead and pay them, XXXX XXXX even though they no longer own the account/debt. This I know is not right and I need help resolving this issue.
08/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 168XX
Web
I have a hard inquiry on my XXXX credit report from Ginny 's XXXX for credit that I did not apply for. The inquiry is dated XX/XX/22. Ginny 's XXXX is unable to dispute the inquiry because they can not find the account. They tried looking up my zip code, social security number, present and past addresses and still say they can not locate the account so they can not dispute the inquiry. How are they able to issue credit with just my name and no other information? That being said, if all they need to issue credit is my name, they can dispute this fraudulent inquiry with just my name. How is a company like Ginny 's able to issue credit with just my name? How would they verify the legitimacy of any application with just a name? If they were collecting any other information to verify a person 's identity they would have at least some of my information and would be able to dispute this inquiry.
03/12/2017 No
  • Credit card
  • Other
  • LA
  • 70119
Web
The company Home at five and seventh ave bought are one company. They bought had XXXX separate credit card bills on my credit report. I called to see what was going on before I had never even received a catalog or anything from them I did not even know who they were. When the representative answered my call she explained to me that they had sent catalogs to my old address from when I was a child, I had not lived there in about 10 years, but my mom still stayed there and her name is also XXXX so, I explained to the company that it was my moms credit card not mine they had put it under the wrong credit report. From that day I have been trying to get the company to take the credit cards off my report but, they refused I have also disputed them several times. They are refusing to take it off my report even though my license even says I have n't lived where they sent the catalogs. but my mom did
11/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35020
Web Older American
I WAS APROVE FOR A CREDIT ACCOUNT AT GINNY, S ON OR AROUND XX/XX/2020. I MADE AN ORDER OF HOUSE HOLD OBJECTE ... SHEETSET, OUTDOORS CANOPY, AND A FEW OTHER THINGS, WHICH TOTAL UP $ XXXX..FIRST PAYMENT WAS MADE ON XX/XX/2020 OF $ XXXX.THEY ONLY WANTED ME TO PAY {$25.00} A MONTH, I WANT TO JUST PAY A LITTLE MORE .I HAVE BEEN WORKING ON GETTING MY CREDIT IN ORDER, SO THIS WAS A WAY TO HELP ME.I MADE THAT PAYMENT ON MY XXXX XXXX CARD, MY SECOND PAYMENT WAS THREW XXXX XXXX ON XX/XX/2020 FOR $ XXXX..MY THIRD PAYMENT WAS ON XX/XX/2020.I HAVE BEEN RECEIVING BILLS FROM THEM STATING MY BILLS WAS LATE AND THEY DIDNT RECEIVE ANY PAYMENTS FROM ME, AND THE LAST PAYMENT OF {$50.00} THAT SENT IT BACK TO ME AND THEY PLACED MY ACCOUNT IN COLLECTIONS WHICH IS NOW ON MY CREDIT REPORT..CAN YOU HELP ME WITH THIS UNFAIR TREAMENT..I HAVE PROOF OF ALL PAYMENTS AND CHECK STUB FROM CHECK THEY SENT BACK ... ....
10/29/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • MI
  • 48021
Web Older American
I have tried numerous of times for the last XXXX years contacting these companies to no avail. I now has opened up another claim with the ( FTC ) Federal trade commission my report number is... XXXX I put it in on XX/XX/2023. I have a representative helping me at XXXX. His name is XXXX ... .his information will be listed down below. I also contacted each of the companies that are in question to no avail. EVERYTIME I call their company they either hang up on me or say... .JUST PAY THE BILL. THESE STORE CARDS WERE OPENED FRAUDULENTLY WITHOUT MY KNOWLEDGE. I HAVE BEEN CALLING THESE COMPANIES FOR OVER 2 YEARS NOW, THAT IS WHY I AM OPENING A NEW CLAIM SINCE I HAVE SOMEONE HELPING ME NOW. I CAN'T GET ANY HOUSING OR NOTHING, AND I AM HOMELESS RIGHT NOW. HERE ARE THE COMPANIES THAT ARE INVOLVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/15/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 152XX
Web
This company continues to place negative, derogative, new and recent payment notifications on this account this account. I have been disputing continuously since XX/XX/XXXX. They have placed charged off new activity in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. How does a charge off account that was sold to a collection agency have late payments, past due amounts and balances and they probably filed an insurance claim for this loss also? I contacted this company and they ignore my request and refuse to correct the inaccuracies on my credit reports. I filed a dispute with the XXXX, XXXX and XXXX they have not been any helped. I filed a dispute with the CFPB in re of XXXX, XXXX or XXXX not disputing this account that is not being reported with 100 % accuracy. I am requesting that you tell XXXX XXXX to correct the inaccuracies on my account or delete this inaccurate account.
07/16/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • XXXXX
Web Servicemember
It has come to my attention that XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) have recently made multiple inquiries for new credit on my behalf. In addition, I have received phone calls from both companies stating that I am passed due on accounts that were opened with an address that is not even a real address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). I want to be clear : I have NEVER authorized either of these companies to run my credit or open new accounts in my name. I have called both companies on 6 separate occasions to find the root of this problem and resolve it but their customer service representatives have been unable or unwilling to investigate it for me. These transactions were unauthorized and these businesses should be investigated immediately for fraudulent business practices. Please investigate this matter and correct the disputed item as soon as possible.
02/16/2020 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
  • MA
  • 01702
Web
XXXX XXXX claims that I included the account that appears on my credit report in ch XXXX bankruptcy, first of all that is not the proper way of verifying an account, I asked this company to provide me with the original contract bearing my signature. I dont want to hear what they have to say about a ch XXXX bankruptcy, this account was opened in XX/XX/2013, and it is being reported as XXXX XXXX. As it is required by law and by the FCRA also, I demand to see the original contract that shows my signature in wet ink, where is says that I opened this account and that I ever had a contractual obligation with this company. If this documentation is not available, I demand that this company tells the credit bureaus to delete the account from my credit reports. By law my signature is required for every account that is showing on my credit report and I demand to see the documentation.
07/17/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 190XX
Web
XXXX did not fully investigate nor provide and factual acknowledgement of proof of accurate details, they did not send me any physical proofs that I signed anything on a XXXX XXXX account, I never had nor purchased, nor signed for any product ... absolute fraud, and they are suppressing my credit score causing me financial stress due to it ... XXXX XXXX has been removed by XXXX XXXX, and XXXXand my XXXX score is XXXX and XXXX reflectively, XXXX who never answers their phones, a violation under federal code ... has my score at XXXX when I have never missed a legitimate payment of mine ... always on time ..they also are holding a fraudulent account, XXXX XXXX in my file, which is completely erroneous, as well as a company or bank name XXXX XXXX XXXX. who I did not purchase a XXXX thing from ... complete fraud ... Ive filled out fraud packets for all of them in XXXX of XXXX
03/02/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78249
Web Older American
I have been billed repeatedly from some company that claims to be Montgomery Ward. This company went out of business in the 80s. I looked this company up and they have awful reviews, they are listed under scams and frauds. The scam alert review ops up. This company has several alias names, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX etc. I keep receiving credit cards statement bills from the one call Montgomery Ward. This scam starts with a buy now pay later catalog which we all get in XXXX XXXX. I hear people complaining about this fraudulent catalog on XXXX. In XXXX and XXXX my phone was hacked and XXXX notified me. After that was cleared up, I was a victim of identity theft through an online dating site called XXXX. XXXX eventually notified me that the man I was talking with had a fraudulent account with XXXX and for me not to respond to him. Thank you, XXXX XXXX
08/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30328
Web
I have attempted to resolve this matter from since XX/XX/2020. Colony Brand XXXX XXXX XXXX XXXX XXXX has placed an hard inquiry on my credit report that should not be on my report. I have spoken to both XXXX and Colony Brands on multiple occasions about this matter. They both have given me the round around, and willfully neglected to follow through their promises to get the matter resolved and get the item deleted from my account. As per requested by XXXX, I have also sent a notarized affidavit that the item was not my item, and they refuse to follow through with said information. I was told by multiple representatives at Colony Brands that they will be communicating with XXXX about said matter, however they have delayed and not reported the inaccuracy of the inquiry as of XX/XX/2020. XXXX is willfully closing my disputes and ignoring any written legal documentation.
11/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35124
Web
I HAVE BEEN TRYING TO FIX A PROBLEM WITH GINNY 'S FOR 8 MONTHS WHERE I ORDERED SOME ITEMS AND PLANNED TO PAY IN FULL AS I ALWAYS DO. HOWEVER, GINNY 'S NEVER SENT ME A BILL IN THE MAIL, AND I ASSUMED I HAD PAID IN FULL AND HAD NO OUTSTANDING BALANCE WITH GINNY 'S UNTIL I WAS ALERTED BY XXXX THAT GINNY 'S HAD PLACED A 30 DAY LATE ON MY CREDIT REPORT AS OF THAT DATE. I IMMEDIATELY CALLED GINNY 'S AND WAS SURPRISED BECAUSE I NEVER RECEIVED A BILL AND THE LAST TIME I HAD CHECKED ONLINE THERE WAS A XXXX BALANCE. I HAVE BEEN TRYING TO GET THIS MISTAKE CORRECTED BUT GINNY 'S WILL NOT BUDGE. YOU CAN CHECK MY PAYING RECORD AND SEE THAT I HAVE NEVER MISSED A PAYMENT WITH GINNY 'S -- I ALWAYS PAID IN FULL. FOR THE PAST SEVEN YEARS I HAVE AN OUTSTANDING CREDIT RATING WITH ALL MY CREDITORS, AND GINNY 'S IS THE ONLY 30-DAY LATE BEING REPORTED WHICH IS AN ERROR MADE BY GINNY 'S.
07/31/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • PA
  • 19141
Web
Ive been having problems with XXXX XXXX since my first purchase. I use a specific credit card for my payments just so there will be no issue. But when they try to take the money they say its declining and not allowing them the payment. This happened last month in XXXX, but I called with the same credit card and the payment went through. Next month same problem, but this time they reported me 30 days late to the credit bureaus. They have been doing this to me since I opened the account with no resolution. My credit is being damage because their system is not working. When they took my payment last month they said it was XXXX payment. Now ima 6 days late on XXXX and now they are saying Im 35 days late. I paid in XXXX the representative that took my payment said thats what I owed for that month and now Im being reported late I really dont understand whats going on.
06/21/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30134
Web
Despite several written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). # XXXX {$420.00}. I am attaching the paper trail with Certified mail receipt.
07/01/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27713
Web
I previously sent this company two letters on two different occasions letting them know that I was a victim of identity theft and that this was a fraudulent account and I had no knowledge of it until I was contacted by XXXX XXXX XXXX of the XXXX Police Department letting me know that they found fake identification cards on the suspect XXXX XXXX with my personal information on it. I sent this company a police report along with the FTC identity theft affidavit report, and they still did not delete this account and they say that they verified that this account belongs to me. As a result of this, I'm filing a complaint against this company with the FTC the BBB the Attorney General of my state in the CFPB accusing this company of willful non-compliance because they are not willing to remove this fraudulent account after I proved that I'm a victim of identity theft.
08/25/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 14420
Web
Seventh Avenue is not reporting accurate payment and account information to credit bureaus. I have sent numerous emails and just logged on and sent an internal email. I owe nothing. And due to the hassle I will not be ordering from any Swiss Colony company on credit. I have paid every month. I am paid in full on my Seventh Avenue account. There are no statements on account since XXXX XXXX. Last order was XX/XX/XXXX and last payments XX/XX/XXXX. There are no statements with these payments on my account. I am missing the cross candles. The order was lost and I didn't find the order until after XXXX on rental office porch. Ruined my XXXX but I was honest and let them know I found this order. I had been credited the order. So, recognize I am a very honest person. Thank you XXXX XXXX XX/XX/XXXX I do not like to waste your time but seventh Avenue will not cooperate
11/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • WA
  • 98118
Web
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : -Company 1 : XXXX XXXX XXXX XXXX amounts {$980.00}, and {$1000.00}. A certified letter was sent to them dated XX/XX/22. -Company 2 : XXXX XXXX XXXX {$4600.00} and {$3800.00} -Company 3 : Seventh Avenue- {$1000.00} -Company 4 : XXXX XXXX- {$1600.00} - Company 5 : XXXX XXXX XXXX {$21000.00} 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
12/15/2015 Yes
  • Credit card
  • Other
  • AZ
  • 85283
Web
I hired a law firm to help me with some of my credit issues. I have an account with XXXX XXXX and the law firm that I hired confirmed that the last time I made any payment was in XXXX of XXXX. According to my attorney, this account is past the Statute of Limitations and also past the reporting period for accounts to be reported on a persons credit report. They first sent out a letter via fax to inform them of what my attorneys stance was on XXXX XXXX XXXX. On XXXX XXXX XXXX I checked my credit report and the XXXX XXXX account still remains on my credit report. On XXXX XXXX XXXX, my attorney 's office called XXXX XXXX to follow up on the letter that they had sent. XXXX XXXX stated that they will continue to report it to the Credit Bureaus because the time started when the account was charged off in XXXX and not when I made my last payment in XXXX of XXXX.
03/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 92563
Web
Yes hello, I am being harassed buy a credit company XXXX XXXX/Swiss Colony for a charge-off debt on my credit report. My account was closed and posed as a charge off on my credit report in XX/XX/XXXX, because of late payments that could not be made due to the loss of my job and no income at the time. Since that time and now/recently once again, they have continually intentionally put a bad mark on my credit reports as a charge off once again on XX/XX/XXXX. Like I said this is harassment and I would like it to stop! I'm fully aware of the amount owed/due, which is {$210.00}, not {$860.00} of the whole amount. I have made many payments on this account and they are trying to stick me for the whole amount/bill which is wrong and illegal. I would simply like to have this issue resolved/resolution made as soon as possible, I would appreciate it.
09/20/2017 No
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 754XX
Web Older American, Servicemember
I had a charge off on my credit bureaus from Swiss Colony, and I decided to make it right by paying the total amount. I called Swiss Colony to make sure the amount was correct, and I found out that the total was {$590.00}, with {$140.00} to go to their sister company XXXX XXXX. The account number is the same for both companies, XXXX. There is no way I would have spent XXXX on candies. I had to pay Swiss Colony through a collection agency, XXXX XXXX. After Swiss Colony had verified the full payment, I called them to see when they were going to pay XXXX XXXX ; everyone played dumb, and they told me I owed Swiss Colony all of that {$590.00}. Friday, XXXX-2017, XXXX XXXX showed up on my credit bureaus. It had n't been on there all the time I was paying off Swiss Colony, why now ; because, Swiss Colony decided not to pay XXXX XXXX their {$140.00}.
06/29/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22193
Web
I received statements from The Swiss Colony company for the amount of {$60.00}. I never made a request to purchase ANYTHING from The Swiss Company. On Saturday XX/XX/2021 I called the company and explained. The Customer Service Rep told me he was going to close the account at my request and will waive any debt, because it was fraudulent. Today, I call to speak to a Supervisor because I received a threatening letter that stays the account will be send to collections. The Customer Service told me the account was still open and no credit was issued. This company is fraudulent and with this tactics they are threatening my livelihood and credit. The account was opened under " XXXX XXXX '' which is not my legal name. I demand they close the account immediately and waive all fees because I never ordered anything from their catalogue.
11/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 78251
Web
My credit report sent me a notification that someone had opened up XXXX XXXX credit card in my name in XXXX of 2022 I found this out in XXXX or XXXX when it showed up on my credit I called the company they sent me paperwork to fill out to dispute it I went online and filled that paperwork also they told me to give them a month I'll follow back with them they said it was resolved at the end of XXXX it was not resolved now it's showing delinquency on my account it dropped my XXXX XXXX from XXXX something all the way down to XXXX and I'm in the middle of trying to purchase a house I called back and no one seem like they can help me get this resolved after they told me it's been resolved and that they will also send me a letter stating that it's been resolved. I'm.not the only one affected by this. I have XXXX kids and their dad.
04/21/2021 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
  • OH
  • 44120
Web
On XX/XX/XXXX I sent Monroe & Main a fourth complaint as well as CFPB to do an investigation and of an account on my credit report. The account is showing a balance of {$240.00}, which is inaccurate. I do not owe them any money. This account status is also stating charged off with a balance which inaccurate. This account also appears to re-aged charging off or collections back in XX/XX/XXXX. Your investigation from complaint # XXXX, XXXX, XXXX, XXXX shows the account was updated. What was updated? Who did you speak with? I am demanding that this inaccurate and incomplete account be deleted from my report. According to FCRA violations and FDCPA violations. The original creditor has NEVER sent any information to respond to any of my request for an investigation. How are the able to update and illegally re-age this account?
08/29/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KS
  • 66061
Web
On XX/XX/XXXX I received notification from my credit monitoring that I had a new account opened. The account was from Montgomery Ward. I did not open any such account. I was able to call Montgomery Ward on XXXX to let them know the account was fraudulent. They opened a case to send to their fraud team and I was told I would be receiving communication in the mail and the account would be closed and removed from my account in 30 days. I received one letter requesting confirmation from identitytheft.gov and a police report if available. I sent them the report from identitytheft.gov but did not open a police report as it was not required or necessary. I have been unable to get status from Montgomery Ward on the account and I have followed up with letters on XX/XX/14 and XXXX. The account is still listed on my credit report.
04/06/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • FL
  • 33065
Web
RE : XXXX XXXX, Ginnys, Seventh Avenue, and Monroe and Main. I tried several times to request a plan with this company through a debt counseling company, they denied me and kept my account open and wracked up interest and late fees. They finally accepted but will not close my account or reduce my payment as agreed upon. They are reporting to the credit bureau incorrectly however the credit bureau has not taken action and neither has the company. The account is still showing open on my credit report and the payment is still not correct. Also, they have not reported me to the credit bureau for several years and consequently have no idea who I am paying through the debt management company, They refuse to verify the debt. They do not answer my calls either. Again, no action has been taken and my student loan is at stake.
03/17/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • PA
  • 184XX
Web
Someone opened a card in my name through Monroe and Main last XXXX. I received a notification that a new account was opened in my name through my credit monitoring. I immediately called them to tell them it was not me and fraud. They said it would be taken care of. I then received a bill in the mail and a set of shoes in the mail. I called them again and put another dispute in with them and they assured me that it would be taken care of after they were very rude and not helpful. I mailed the merchandise back to them which they received XX/XX/XXXX. I now have a delinquent payment on my credit report from them. I called them again on XX/XX/XXXX and they assured me it was closed and would be taken off my credit. I then receive a notice that they opened a new account in my name again. Please help Thank You, XXXX XXXX
09/01/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 14220
Web
XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
07/13/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23513
Web
While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from Swiss Colony/XXXX with a balance of {$110.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, onXX/XX/XXXX I sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.
07/13/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23513
Web
While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from XXXX XXXX XXXX with a balance of {$320.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, on XX/XX/XXXX I sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.
07/01/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 94122
Web
I called XXXX XXXX on XX/XX/20. I was transferred to the credit department and talked to XXXX. XXXX was super helpful and guaranteed me if I paid off the account, XXXX XXXX would delete the account from the credit reporting agencies. I did not have the money to pay off the account and said I would call back. On XX/XX/20 I called XXXX XXXX back. I talked to XXXX in collections. She confirmed If I paid off the full balance they would close out the account delete reporting. I paid the full balance of {$330.00} by debit card. On XX/XX/20 I called again as the reporting was not deleted from my credit reports. I was transferred to a supervisor who said they would not be deleting. If I had not been guaranteed that the reporting would be deleted from the credit bureaus I would not have paid the account off.
11/02/2017 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 383XX
Web
This account was opened online with a family member using my personal information. I had no knowledge of this account. The site only ask for information easily attained and does not make an effort to insure the identity of its customers.The amount was XXXX XXXX no payments were ever made which shows that this account was opened with the intent to be fraudulent. I have several instalment loans that i pay on time and am never late. I have told this company several times that this is not my account and have requested it to be removed. It shows on my credit file as a deliquent account that was closed owing money. This is negatively affecting my previously good score. I am not willing to wait 7 years for it to roll off when it was fraud. The company has refused to remove which is extremely upsetting.
01/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11414
Web
XXXX XXXX-opened and account with Ginnys. XX/XX/2020 I attempted to make a purchase from Ginnys. They immediately started new account triggering a hard inquiry. I asked why and they stated it was the policy to open a new account for each purchase to see if i'm qualify. I asked why since the money was already available in my account for the purchase and I was not asking for more. I then requested that the hard inquiry be removed from my credit report. I made more than 3 calls regarding this matter and was then told it will be removed from my account in 30 days. I have made several calls since and it is still there. The only thing closed was my original account and they transferred my balance to the new account that they made. I have since closed my account with them and making my payments.
10/27/2016 No
  • Credit card
  • Other
  • FL
  • 34668
Web
I wrote a letter to Montgomery Ward asking the company to provide me proof of my written signature. They in turn sent me a letter denying my request and deemed this as frivolous because I did not specifically ask for anything in my request. I clearly asked for written proof of my signature. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a letter in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a letter instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 705XX
Web
Hello, I received an email from XXXX that inquiries were made on my credit to Ginny 's, Seventh Avenue, XXXX, and Montgomery Ward. I did not try to open any of these accounts. I also received a message that a XXXX card was opened in my account. I contacted XXXX and they were able to close that account. They notified me that the person that opened a card on my account lives at XXXX XXXX XXXX XXXXXXXX XXXX and their phone number is XXXX. There are multiple accounts that someone has tried to open on my account. I also received notification that there are two phones purchased and two phone lines opened in my name under my XXXX account and I do not have these phone lines or these phones. These were opened in fraud and I spoke to someone regarding this at XXXX and nothing has been done
05/16/2016 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34668
Web
a place called Ginny`s has been sending me bills saying I owe them over three hundred dollar. they say I ordered something and sent a bill, to be short. I notified the XXXX they produced some paperwork from Ginny`s, it showed were they added my email address after the fact. Wrong ss # and for sure wrong signature. after going back and forth I realized, they could only say bad things about them. can`t do nothing about the fact that they put it on my credit. all I have left in this word is my credit. I do n't want to have to go to jail because they think this is some kind of game or something, I told them if I have to pull a XXXX and sit my XXXX down on the bus then so be it. I`m trying to do the proper and right thing. I was a XXXX for 6 years this seems to me very simple
12/26/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • DC
  • 20020
Web
XX/XX/XXXX and XX/XX/XXXX filed a dispute against accounts that were wrongfully added to my credit profile. I stated in the dispute that I NEVER had wireless services with their company. I made phone calls and was advised to file a dispute after the representative looked into the system placed me on hold to have a further review with supervior, they could not find an account and the call dropped. After the dispute was filed there was an update to my credit report which gave a current date and stated that the information was accurate. XX/XX/XXXX and XX/XX/XXXX filed a dispute for old accounts that have been paid with zero balance. Requested to have accounts removed, and was told the accounts will be removed and a letter will be mailed for confirmation. DID NOT HAPPEN!
12/14/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • KY
  • 40219
Web Servicemember
My credit report shows that I have a charge off on this account of {$370.00} for a XXXX XXXX XXXX credit card that I never had, I have sent a letter certified to this company disputing these charges and have not heard back, Below is the information reported on my credit report from the 3 credit bureaus and they are as follows : XXXX : 1. XXXX XXXX XXXX, date opened XXXX/XXXX/XXXX, High Balance {$370.00}, payment status-Legally paid in full for less than the full balance XXXX : XXXX XXXX XXXX, date opened XXXX/XXXX/XXXX, Account Status ; Closed, PAYMENT STATUS ; BAD DEBT & PLACE FOR COLLECTION AND SKIP, Comments : SETTLEMENT ACCEPT ON THIS ACCOUNT. PAID CHARGE OFF XXXX : XXXX XXXX XXXX, DATE OPENED : XXXX/XXXX/XXXX, HIGH BALANCE : {$180.00}, ACCOUNT STATUS : CLOSED
07/07/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27215
Web
YOUR COMPLAINT This company has been reporting negatively on my credit report since XXXX. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response. I currently have an open complaint with CFPB but the company is claiming not to know me. The address attached is my address and my name prior to marriage in XXXX was XXXX. Please send me a contract that I supposedly had with you or remove from my credit report. I keep disputing requesting documentation and your company is failing to do so. This debt does not belong to me and I need proof as to why you say it does.
12/04/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • 20003
Web
Creditor " XXXX XXXX XXXX '' has my credit report listed with two accounts ; I've only opened one account. Second, XXXX XXXX XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX XXXX XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.
08/15/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • HI
  • 96734
Web
Was contacted by Monroe and Main by mail in XXXX or XXXX about an amount owed. I contacted the company and explained I have never purchased or had any transactions with the company. They continued sending mail stating that the amount needs to be paid or debt collectors will be sent along with my credit score dropping. Monroe and Main also started harassing my Mother with phone calls about the debt. My mother and I put in complaints to the company along with XXXX and State agencies. She stopped receiving calls in XXXX and we thought it had been resolved until recently I found out my credit score is very low due to Monroe and Main submitting and falsifying that I owe them payment. I don't have the records but will continue to file complaints as necessary.
05/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NM
  • 871XX
Web Servicemember
Dear Consumer Financial Credit Protection Bureau ; This is concerning : XXXX XXXX - XXXX XXXX XXXX., XXXX, Wi. XXXX XXXX Account # XXXX I ordered a robe, when it came in it did not fit. So I packaged it up and returned it. I called XXXX XXXX they acknowledged they received it. All of a sudden I started receiving so many threatening phone calls, letters I mean 2-3 letters a week, 2-3 threating calls per week. All to receive {$31.00} for shipping? I shipped this product my self. I got on XXXX and filed a dispute they said it was taken off my credit bureau, Yet I'm still receiving threating letters. This is starting to hurt my credit. Yhey are saying I missed 3 payments. This has got to stop! XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX
07/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called after sent written cease of comm
  • AZ
  • 85021
Web Older American, Servicemember
This company, Swiss Colony, is making frequent repeated phone calls using a call center based in XXXX XXXX, XXXX XXXX, to my home asking when a debt I incurred is going to be paid. The calls occur at least XXXX times weekly. ( A record is being maintained. ) I have responded appropriately to the company 's XXXX ( XXXX ) written communiques, acknowledging that I owe the amount due and will pay it by XXXX XXXX, 2015 or sooner, and I have asked the vendor 's representatives to STOP CALLING ME. I have attempted to talk personally to the company 's credit department supervisor but ( s ) he does not call me back. NOTE : Company acknowledged receiving my personal responses but says I " will continue to get these phone calls because they can not stop them ''.
05/21/2019 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 30309
Web
On XX/XX/XXXX I sent a fax request and a certified us mail request for account verification, as of XX/XX/2019 I had not received any response from XXXX XXXX. I reached out to the company and ask since they fell to provide the requested documents within please remove the account from my report. Representative XXXX a supervisor could only make that decision, supervisor XXXX got on the phone and I advised of the situation and my request to have the account removed since the did not verify the account, she advised me that a response was sent to me at my P.O. Box in Florida. I dont live in Florida nor did I provide a Florida P.O. Box in my request I provided all my current information. I will attached a copy of the fax and certified letter for your review
05/12/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 757XX
Web
My grandmother got a letter in the mail stating I had tried to purchase a credit card for some company and called me immediately to ask me about this. My grandmother lives in XXXX, XXXX and I live in XXXX, XXXX. I haven't lived in XXXX, XXXX for years. My grandmother then tells me that my Aunt has gotten a hold of my social security number from old school records my mom left behind, and has applied for a credit card in my name. I reported this online for fraud and never heard anything back. I'm young so I'm not 100 % sure how to go about this, and I work a lot so I haven't been able to get to a police station to file fraud on her. My wife and I are looking to buy a house soon, and need to correct these mistakes as soon as possible please. Thank you!
01/10/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 21771
Web
Two Credit Cards were opened in my name in XXXX when I had my credit open because I was in the process of purchasing a home. The cards were opened on XX/XX/XXXX and XX/XX/XXXX. A credit card was opened with XXXX XXXX on XX/XX/XXXX in the amount of {$720.00}. I did not open this credit card. I contacted XXXX XXXX repeatedly to let them know that I was unaware of this card and never made the purchase. The so called missed payments over the course of the past year and a half has seriously injured my credit. According to my credit report with XXXX, it was Charged off in XX/XX/XXXX. However, this remains as a problem and is impacting my credit report. I want this account removed from my credit. XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
10/31/2015 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11434
Web
While reviewing my credit report, I noticed that a collection has been reported on my file by XXXX. However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that XXXX., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.
12/15/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • IL
  • 60025
Web
I have been a with XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
06/07/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MS
  • 394XX
Web Older American
I ordered merchandise on XX/XX/2021 and about an hour later, I requested to cancel the order until further notice. I got an email " the next Day '', on XXXX the XXXX, 2021 stating that the merchandise had already been " shipped '', but I requested the order be cancelled within 8 hours of the order on Sunday, so there are " no '' shipments on Sundays. I spoke with three people today on phone about the order ( the third one was a supervisor ), and she told me that she would credit my account for the order since I requested it be cancelled the day the order was placed, within 8 hours. Consumers have the right to " cancel orders '', within24 hours, which I did within 6. See attachments of emails correspondence back and forth with Swiss Colony Reps.
10/22/2023 Yes
  • Credit card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • MO
  • 65802
Web Older American
A payment of {$110.00} was made on XX/XX/2023 to seventh avenue credit. We called the next day to see if it went through. Seventh avenue said it had not so we made a payment of {$110.00} on XX/XX/2023. Both payments were deducted from our bank account on XX/XX/2023. Seventh avenue wanted proof so we went to the bank and got a printout from the bank stating when the payments were taken out and the transaction numbers. We mailed this to seventh avenue. After waiting a month we called them again. First they said they never received the information then said they wanted a copy of our whole bank statement. We are very uneasy giving any credit card company our entire bank statement. They have a statement from our bank showing those payments to them.
03/08/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OR
  • 97601
Web Older American, Servicemember
XXXX XXXX allowed an individual to open a new card account in my name and subsequently allowed a charge for jewelry. It was shipped to a different city than I live, to an address I have nothing to do with, to someone I don't know. I had a XXXX card in the past but it was closed about 20 years ago. I have not opened a new card. 30+ Days ago I spoke with XXXX and their fraud department, they told me they would cancel the card and start a fraud investigation and provide me with information within two weeks. I have yet to receive anything AND am still getting promotional material for the account that appears to still be open. I am having to pay on this fraudulent account to keep from having derogatory reporting from XXXX XXXX on my credit report
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33615
Web
On XXXX XXXX I spoke with country door collections supervisor department ..I was told I dont owe anything with them and actually have proof I paid the balance they keep reporting. This defamation they are violating FCRA by refusing to remove the amount that is not due to them and account they are reporting to the bureau it has been more than 7 years that I have had an account with country door they are over the limitations and are reporting incorrectly. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. They are not verifying this debt to be valid
07/08/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • TX
  • 79902
Web
I have been calling XXXX Since XX/XX/2017. I have waited for them to credit my account since they have been informing me that they will. I have yet to see the credit that would result in a refund. The company also indicated that establishing payment with them would be reported to the credit agencies. I have not seen a report or have seen my refund that would result in a credit or credit that would result in a refund. I keep getting transferred to the incorrect department that tells me that I should take it up with the postal department and stop calling them. Will someone please assist me these are unfair and deceptive business practices. These and other external factors have caused lack of sleep stimulated my flare ups and I have a XXXX.
03/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92225
Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
08/04/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32514
Web
I 'm writing to file a complaint. The complaint is brought against the merchant ASHRO for harassment. Unfortunately, the items were returned due-to defect and fit : Credit Account : XXXX : item number ( XXXX ) CLPTRA DRESSES /XL, for total of XXXX dollars. The products were returned using company label. Costumer disputes the felonious charges billed to account. XXXX dollars, plus XXXX dollars late fee, followed by XXXX per/month dollar processing fee. I disagree with the charges. I returned the merchandise in a timely manner, but ASHRO continues to harass customer with obnoxious phone calls and threats to ruin my credit. I want the calls to stop. I will forward all records concerning the matter enclosed in complaint. Please be advised.
11/14/2015 Yes
  • Credit card
  • Billing disputes
  • GA
  • XXXXX
Web
I ordered an electric fireplace from Ginny '' s credit card. The product was defective and was retreturned and I requested my account to be refunded for payments made and credited for the defective product. I telephoned Ginny '' s credit department and was told that they will not refund they {$75.00} payments that were paid in XXXX XXXX, 2015 and they will hold they XXXX that I paid in XXXX for XXXX says. This appears to be predatory practices and theft by taking, as I have returned all products that belong to Ginny '' s due to manufacture defect, but they refuse to return my money. I am XXXX and XXXX and need help with this issue because Ginny '' s transferred me to there different people in different departments, all to no avail.
04/22/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • WI
  • 53589
Web
We received two packages in the mail, one each from XXXX XXXX and XXXX XXXX on ~ XX/XX/XXXX. We sent them back via return labels in the original boxes, packages unopened. We called the companies immediately and relayed these were fraudulent orders and days later received CC statements from each. I called them again and relayed the accounts were fraudulent and learned they were sister companies. I wanted the accounts cancelled as we had returned the merchandise, but they would not- no reason given. The email they had on the account was not mine and when I XXXX it came back as a fraudulent : XXXX. I simply want the accounts closed. I've worked with the local XXXX, law enforcement and identity theft.gov and still the accounts are open.
05/09/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • NC
  • 278XX
Web
XX/XX/XXXX , {$35.00} The company gave me a credit limit of {$400.00} I have been using this account from day one. B ut this is what I have been running into lately. This company says that they have sister companies. XXXX XXXX did the same thing with me. After being approved for credit, then I am told they can not allow me to order anymore because of a bill I had with a sister company in XXXX . I paid that bill off with XXXX . Now XXXX XXXX is doing the same thing and I owe them no old account. They are because I owe an old bill with a sister company, even though I pay them before my account is due. They will not release an order for {$35.00} to me. I do not understand their method of business can you please help me.
02/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 452XX
Web Servicemember
XX/XX/XXXX I opened and established an XXXX XXXX account with GINNY 'S, placed my initial order, paid down-payment, and completed my payments in XX/XX/XXXX. On XX/XX/XXXX I placed another order with my account. For some unknown reason, there was a hard inquiry added to my credit. I contacted the company and alerted them to this issue and was told : ( 1 ) that I don't have an account, which the website clearly says I do. I even provided the account number and type. Was still told that I don't have an account, ( 2 ) that they pull credit on EVERY order which violates how revolving credit works, ( 3 ) that all information was on their website which it isn't. I spent almost 2hrs on the phone and still received no resolution.
03/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92225
Web
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX XXXX. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
05/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08330
Web
On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is Swiss colony
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • OH
  • 44120
Web
I am complaining against XXXX credit bureaus regarding the alleged account with Monroe & Main. This bureau and Monroe Main have repeatedly ignored my request for debt validation and proof of this alleged debt with Monroe & Main. I sent both parties a request to complete the about investigation and show how the account was validate if it come back verified on the following : XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX XX/XX/21 Tracking # XXXX Now of these letters have been address, but my reports show this account charged off with a balance which is illegal. The account is filled with error, inaccurate, incomplete and unverified information.
08/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19143
Web
So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.
08/01/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 19143
Web
So a few months ago I checked my credit report and noticed a account by the name of Seventh avenue I never heard them and know for a fact I do n't owe them any money.spoke to my mentor about it and a rep at my bank and they told me to dispute it maybe it was a accident. So I disputed with XXXX first and it keep saying verified! I do n't understand how they are veryfing this so I contacted the company seventh avenues by phone and mail and they told me it was nothing they can do. I 've been getting turned down for credit card for this reason and it unfair. This needs to be deleted because it is n't accurate.this is causing me a lot of stress because I do n't have any other negative items on my credit I am very responsible.
05/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08330
Web
On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is XXXX XXXX
06/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MA
  • 02124
Web
This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT XXXX XXXX file on XX/XX/2015. I talked to Bankruptcy Court and they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.
05/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 92833
Web Older American
I received several calls from XXXX XXXX ( Colony Brands ) for a charge I never made. It sounds like my information was used to make a purchase in the amount of {$190.00} from this company. The ( {$190.00} ) transaction was reported to the credit bureau for non payment. I never received a bill or any information regarding this charge. I called the Company Colony Brands and spoke with their supervisor of collections and she gave me the an acct. # XXXX O and promise to investigate the charge and I should follow up in 10 days. I want this information removed from my Credit Report I never had of XXXX XXXX/Colony Brand or purchase anything from this company. Never receive proof of purchase or any bill from this company.
06/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • MA
  • 02124
Web
This is about the bankruptcy on my report, that does not belong to me. Someone with a similar name to mine filed bankruptcy in the US BKPT CT MA XXXX file on XX/XX/2015. I talked to Bankruptcy Court and they are not providing any important information like address, social security number, date of birth. they do not give out any credit bureau any information relating to any bankruptcy cases at all. They said XXXX XXXX provided it to them. I reached to XXXX XXXX and provided them with my complete information and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I demand this bankruptcy removed from my file.
04/03/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 891XX
Web
SOMEONE OPEN UP A XXXX XXXX ACCOUNT IN MY NAME, I NEVER HEARD OF THIS COMPANY I FINALLY DID A XXXX SEARCH AND IT APPEARS TO BE A WOMAN STORE, CATALOG. I NEED PROOF TO VERIFY AND SHOW THIS IS NOT MY ACCOUNT. WHOEVER CALLED IT IN HAD TO BE A FEMALE AND THE ADDRESS IT WAS SENT TO .AND ANY FORM OF PAYMENT THAT WAS USE TO MAKE PAYMENTS. I DID NOT OPEN THIS ACCOUNT UP NOR DID I AUTHORIZE ANYONE TO USE MY NAME AND INFORMATION.SOMEONE STOLE MY INFO AND ORDERED IN MY NAME, I AM ASKING FOR MORE INFO OR PROOF TO SHOW THIS IS MY DEBT OR REMOVE FROM MY CREDIT REPORT. I HAVE BEEN XXXX FROM XX/XX/XXXX TO XX/XX/XXXX IN ALABAMA XXXX XXXX XXXX PLEASE FEEL FREE TO VERIFY. WITH XXXX .PLEASE REMOVE THIS FROM MY CREDIT REPORT ASAP
05/28/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 310XX
Web Servicemember
I disputed through all three credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On XXXX / XXXX / 17 , my credit monitoring sent an alert. from XXXX . XXXX XXXX had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured, Amount in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
01/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 890XX
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
01/06/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 890XX
Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
12/02/2022 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
  • DE
  • 199XX
Web
I recently received an alert that there was a new account reporting delinquent to my credit from XXXXXXXX XXXX. They advised of an account with Midnight Velvet. I have never heard of this company at all and have no relationship with them now, in the past, or ever. I disputed this with transunion and they completed the dispute in less than 2 weeks, saying item valid and to remain on my credit report. Lastly, this is upsetting due to the fact that the credit reporting agency and XXXX XXXX in turn advised me that my information has come up on an internet breach so they should have looked into this matter much further. I have attached a copy of the alert for my information being breached as well.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 617XX
Web
I never opened the account. I have asked on several occasions for proof of signature for the account. I had someone living with me that stole my ID and opened accounts I tried to clear this up over the years with company, but they refuse to respond to me and have damaged my credit for years causing higher interest rates for me so a service that I never received. In 5 years, I have NEVER been given the proof of my signature never given details of what services I supposedly got or why I owe this debt. I want it removed. I'm tired of the damage to my credit for a fraudulent account. I feel like i need to get lawyer to sue for damages for the higher interests I have had to pay over last 5 years.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 617XX
Web
I never opened the account. I have asked on several occasions for proof of signature for the account. I had someone living with me that stole my ID and opened accounts I tried to clear this up over the years with company, but they refuse to respond to me and have damaged my credit for years causing higher interest rates for me so a service that I never received. In 5 years, I have NEVER been given the proof of my signature never given details of what services I supposedly got or why I owe this debt. I want it removed. I'm tired of the damage to my credit for a fraudulent account. I feel like i need to get lawyer to sue for damages for the higher interests I have had to pay over last 5 years.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 617XX
Web
I never opened the account. I have asked on several occasions for proof of signature for the account. I had someone living with me that stole my ID and opened accounts I tried to clear this up over the years with company, but they refuse to respond to me and have damaged my credit for years causing higher interest rates for me so a service that I never received. In 5 years, I have NEVER been given the proof of my signature never given details of what services I supposedly got or why I owe this debt. I want it removed. I'm tired of the damage to my credit for a fraudulent account. I feel like i need to get lawyer to sue for damages for the higher interests I have had to pay over last 5 years.
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 617XX
Web
I never opened the account. I have asked on several occasions for proof of signature for the account. I had someone living with me that stole my ID and opened accounts I tried to clear this up over the years with company, but they refuse to respond to me and have damaged my credit for years causing higher interest rates for me so a service that I never received. In 5 years, I have NEVER been given the proof of my signature never given details of what services I supposedly got or why I owe this debt. I want it removed. I'm tired of the damage to my credit for a fraudulent account. I feel like i need to get lawyer to sue for damages for the higher interests I have had to pay over last 5 years.
05/26/2020 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32746
Web
This account was opened due to fraud and I have no knowledge of it. I submittied a complaint and was only given dates of when this account was opened, charged off, and paid off and the thing is that I never ordered any items from them and never made a payment to these people. Giving me these dates wont resolve my problem and the fact that I never opened this account to begin with. There are numerous people having this same issue with this company and it is clear that they are not doing anything about it. I will get all my bank statements from the date that you guys claimed that I supposedly made a payment and maybe you will finally seee that I never made this payment you are referring to.
10/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WI
  • 53218
Web
On XX/XX/2023 I received notification that a hard inquiry hit my report Via XXXX XXXX. I contacted the company to let them know that I did not authorize the inquiry, and I was told that I would need to wait 5 days until it could be reversed. I continually tried to call the company until I was told I would have to dispute with the credit bureaus. When I disputed said information to XXXX and requested validation, I would receive a response that the information was validated. On XX/XX/2023 I sent correspondence to the company requesting validation, according the Fair Credit Reporting Act I am entitled to be shown an original contract bearing my wet signature authorizing this transaction.
07/27/2022 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
  • OR
  • 97080
Web
Credit alert regarding a Hard Inquiry that I did not request ( Ginny 's XXXX ) - Haven't even heard of the company that made the inquiry. I called the company making the inquiry and they had no record of making the inquiry on my credit report. I then filed a dispute with XXXX. They " investigated '' which was complete within an hour or two and credit report remained unchanged. I called XXXX and they indicate they can not change it without supporting documentation and a police report. First, since I requested no inquiry and don't know the company making the inquiry, there is no documentation. Second, no police department is going to file a report for a hard inquiry on my credit report.
09/22/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account ASHRO XXXX Balance : {$120.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. ASHRO XXXX Balance : {$120.00} Date Opened : XX/XX/2016
07/14/2020 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • OR
  • 97317
Web
i order portable cd players with headphones and aa batteries they haven't shipped the merchandise yet so i filed a complaint with the XXXX they told XXXX that the reason why they haven't shipped the items yet because they couldn't fine enough credit info when their website states buy now pay later i'm using my fresh start credit pay for those items i know about the merchandise rule about they must comply with which they aren't one part of the rule is bill me sales on approval i don't have to pay them anything until i receive the merchandise it doesn't state in the rule that they have the right to ask me for 50 % down of the order if i don't my orders i'll sue them in court
12/05/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36701
Web
I have contacted both Seventh Avenue and XXXX XXXX XXXX, regarding a negative report that these XXXX companies have placed on my credit report file with the XXXX credit bureaus. I have asked both agencies to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FDCRA. They also broke the federal law, by not report that I was disputing the account that they reported to all XXXX credit bureaus as required by the FDCRA. My first dispute was in XX/XX/2016, which XXXX agencies signed for a letter from me XX/XX/2016 that was sent certified/return receipt by the USPS.
04/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 152XX
Web
I have a revolving account with Swiss Colony. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, Swiss Colony pulled my credit and opened a new line of credit. XXXX XXXX I moved to a new address and placed an order for two items using my line of credit. Again Swiss Colony pulled my credit to open a new line instead of using the account which was provided. I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.
02/09/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23505
Web Older American, Servicemember
On or about XX/XX/2019 I ordered a vacuum cleaner from XXXX XXXX XXXX, XXXX XXXX XXXX wi XXXX through there preapproved creit catalog, I was very displeased with it and returned it to them by mail with the postal stamp that came with it, One week later they started phoneing me and sending me a bill for {$7.00} which now is & XXXX .... This has been going on well over 8months, I have contacted them many times to tell them that I am not send them money I donot owe, they continue to send me threating bills and phone calls, I have reported this to the XXXX as well, please help me to stop this harassment for happening on a weekly basices. SINCERLY YOURS, MR , XXXX XXXX XXXX
04/28/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NJ
  • 07726
Web
THE CREDIT CARD IS XXXX, XXXX ACCOUNT # XXXX SAYING DATE OPENED XX/XX/XXXX DATE CLOSED AND CHARGED OFF ACCOUNT XX/XX/XXXX. I HAVE DISPUTED THIS ITEM WITH XXXX WITH NO RESOLUTION. THE CREDIT CARD AGENCY HAS A BALANCE AMOUNT OF {$550.00} AND PAST DUE {$180.00}. I NEVER OPENED THIS CARD AND I HAVE BEEN TRYING TO RESOLVE THIS ISSUE AND XXXX 'S KEEPS INSISTING THIS IS MY DEDT. IF THIS BILL IS OVER 6 YEARS OLD HOW COULD MY PAST BALANCE DUE ONLY BE {$180.00}. XXXX HAD THE BREACH I DONT KNOW IF THEY STOLE MY IDENTITY AND CREATED AN ACCOUNT. I WANT THIS OFF MY CREDIT REPORT BECAUSE ITS NOT MINE AND XXXX HAS NO CREDIBILITY. THANK YOU XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX XXXX
06/04/2016 Yes
  • Credit card
  • Billing disputes
  • VA
  • 23454
Web
Midnight Velvet is reporting an account on my credit report with account number XXXX. They are reporting inaccurate information between all XXXX credit reports. On XXXX and XXXX they are reporting a balance of {$140.00} while on XXXX they are reporting a balance of {$4.00}. Then on XXXX and XXXX they are reporting a past due balacne of {$80.00} while on XXXX are reporting a past due balance of {$4.00}. On XXXX and XXXX they are reporting the last reported date as XX/XX/XXXX while on XXXX the last reported date is XX/XX/XXXX. This account was also disputed several times and they failed to mark this account on my credit report as disputed which is a violation of the FCRA.
11/21/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32901
Web
XXXX XXXX is reporting to XXXX that I opened an account in XX/XX/XXXX and charged off {$60.00}. I believe I have reached out before because a update was done by them this month but still reporting a charge off with balance owed. It was opened the same month someone opened a XXXX account in my name. There is also a couple addresses on XXXX that are n't mine but one my ex gf. I moved out of state before those accounts were opened. XXXX refuses to remove themselves off my credit despite me disputing and I know they do n't have proof because it 's not mine. XXXX removed the balance I disputed couple weeks ago. I want this removed or I will be forced to take legal action.
03/03/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IA
  • 52240
Web
I received a XXXX XXXX XXXX XXXX statement in the mail that I never applied for. There was a charge for {$150.00}. This account was not opened by me on XX/XX/2022 for a purchase I never made. I called the operator number XXXX listed on the statement to protest this account being opened in my name and the operator told me that my phone number is not on file. She asked me for my phone number and I gave it to her but I think that was a mistake. She said that it was a fraudulent account and that she would send me a form in the mail from the company to fill out to contest the fraud. I am waiting for that letter but I am not confident that this is a legitimate company.
10/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 177XX
Web Servicemember
An account was opened without my permission on XX/XX/XXXX with Through The XXXX XXXX and another account opened on XX/XX/XXXX from XXXX and XXXX I believe through mail order Catalogs and charges were incurred in my name, I have never made a payment on these accounts and asked for proof that I opened the accounts and both the companies failed to produce it and refuse to remove them from my credit report and have it last reported in XX/XX/XXXX and will not release it from my credit records, I have tried multiple times to dispute them but have not gotten satisfactory resolution. This has prevented me from obtaining credit and caused me to pay higher interest rates.
08/07/2023 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
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • TX
  • 78628
Web
Last year 2022, I had someone help me with my credit and they asked me to call Montgomery Wards and find out why they still had me on my credit report. I had called Montgomery Wards between XXXX - XX/XX/2022 and I asked they why they still had me on my credit report, because I need received anything from Montgomery Wards. They should the same thing and I had requested them to send me a letter stating that they would take me off my credit report. I went to go and try to get a house this past weekend and Montgomery is still on my report. I don't know what else to do to get them to come off my report. I need some help from someone or need some advise. Please! : )
07/06/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 63376
Web
I have Never had a account with this company but they are reporting under a bankruptcy on my credit. They have been provided a identity theft report still keep saying I have a account. I requested documents ( original ) contract with my signature or information used to op en this account. I was told by a rep this account was opened online they have no documents. I have requested multiple time this account removed from my credit report. I have no idea who this company is also have no contract. They are not on a bankruptcy in which they added themselves. This has prevented me from moving also damaging my credit all for a company I have never done business with.
05/07/2018 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • XXXXX
Web
I have tried to contact the company to resolve this matter. I called to get a settlement and was told that my account information was sold/charged off and I could not take any action on this account after I had already made a payment that XXXX accepted. I have no information on the collection agency my account was sold to not has that collection agency tried to contact or verify this account. I find it hard to resolve this debt when i'm being giving false information about my account. If my account was sold/charged off, XXXX should have never accepted a payment from me. My account has been charged off for over 6 months and they accepted a payment last month.
10/01/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 648XX
Web
I requested a summary in XX/XX/2018 I sent the request letter via registered mail They did receive my request because XXXX XXXX signed for the letter. XXXX XXXX Failed to send me a summary within the 30 day legal time frame I then contacted XXXX requesting debt to be deleted from my credit file in XXXX XXXX.I Faxed all documents but instead XXXX opened a dispute and XXXX XXXX declined to delete and sent me a summary XX/XX/2018 instead .7 months later and only due to I contaced XXXX for a delete regarding the account with XXXX XXXX Under the consumer federal protection act XXXX XXXX should have deleted the debt from my credit file and they refuse to do so
09/04/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 12203
Web Servicemember
On XX/XX/XXXX, I submitted a formal debt validation request to a company by the name of XXXX XXXX, who is reporting an unidentified debt on my XXXX, XXXX and XXXX consumer reports for the amount of {$390.00}. In addition, on XX/XX/XXXX, I submitted requests to all the credit bureaus asking for a reinvestigation. However, despite my concerted efforts, the account remains on my credit reports. Federal law require that the credit bureaus provide a way to ensure that each it on my credit report belongs to me. Since the information is inaccurate and has not been validated, it is a violation of federal law by both the credit bureaus and the company XXXX XXXX.
05/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • XXXXX
Web Older American
I have a collection on my credit report that I reported as fraud in XXXX and yes its still on my credit report from XXXX apartments for {$5000.00}, I have been fighting this for years, I filed a fraud report with the police department, nothing was done, XXXX money is reporting on my credit report numerous times and thats incorrect, kasheble loan is incorrect, midnight velvet fraud -- XX/XX/XXXX, XXXX wards fraud -- XX/XX/XXXX all these accounts should not be on my credit report, they are incorrect and destroying my life, please remove XXXX XXXX from my credit report, Been fighting this since XXXX, these accounts are keeping me from living a normal life.
06/05/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37042
Web
XXXX XXXX XXXX XXXX is reporting my account as a charge-off, which may h ave been true at one tim e. However, I settled the account with their collection agency, XXXX XXXX . XXXX XXXX is correctly showing that I have a XXXX balance. I have disputed the account with the credit bureaus 3 times and XXXX XXXX still will not update my status to paid. They are showing me as a charge-off. I have made multiple phone calls and many hours trying to get this corrected. I can not get a person on the phone at XXXX XXXX that understands what I 'm talking about. Please help! I 'm trying to buy a house and this is messing me up!
05/28/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 323XX
Web
I have observed that XXXX has been reporting an account on my credit report for the last seven months that doesn't belong to me. I disputed the account on several occasions with the credit bureau and they stated that XXXX verified the debt as mine. I then contacted XXXX asking them to verify this debt but to no avail., they have failed to verify but continue to report the fake account. I will now ask one last time for them to send me the contract I signed that contractually obligates me to pay this fraudulent debt. I know my rights have been violated and I will contact a consumer attorney if this account can not be resolved amicably. The account # XXXX
02/17/2016 Yes
  • Credit card
  • Credit line increase/decrease
  • NY
  • XXXXX
Web
This catolog credit company has been giving me the run around about a credit line increase for the past 3 month.they Promise you an increase after 6 consevective on time payment and I have 8 but never come thru. I first requst one on XXXX/XXXX/2015 and never recieved and it been back forth ever since with differnt story everytime I call, all I want is yes or no. They did make an inguiry to tranunion credit reporting XXXX/XXXX/2015. But still no concrete answer from them, I have XXXX other catolog credit card that affiat with them and all have on time payment. XXXX of them did give me a credit line increase, Ginny and Midnight Velvet.please help me out.
06/15/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NC
  • 28739
Web
My Identity was stolen and used to apply for a store credit card and purchases were made. The Store : Ginny 's ( Loss Prevention Phone # : XXXX ) Acct # : XXXX I contacted Ginny 's Loss Prevention Division and spoke with XXXX XXXX of this year. They required me to file a report with Identitytheft.gov I did but my account there has been closed? Not sure why?? Another representative at Ginny 's who I spoke with today ( XX/XX/2022 ) said to file a report with Identity Theft and return that report to them as I keep getting sent statements from them. My navigation of the Identity Theft website linked me here to resolve this issue- can you help me?
05/16/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 891XX
Web
I have mailed certified le tters to Swiss Colony, a nd XXXX regarding this account. XXXX XXXX to Swiss Colony XXXX XXXX to Swiss Colony XXXX XXXX to XXXX They claim I owe {$240.00} to an account that is not mine, or related to me. I have asked numerous times for documents/contracts bearing my signature and they refuse to provide. Swiss Colony sen t a letter to me X/XX/2017 asking for information from me including a signed affidavit. I do not need to provide them a thing, and they continue to say things are mine, and XXXX is not deleting and claiming they verified account with Swiss Colony with no signature.
11/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Improper use of your report
  • Reporting company used your report improperly
  • NY
  • 11208
Web
I am formally complaining against SEVENTH AVENUE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have contacted SEVENTH AVENUE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SEVENTH AVENUE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
02/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08109
Web
they went in my car and stole my purse and whoever find it is been trying to open couples account under my name, I have call this place to explain to them what happen and to give them the police report number of my stolen purse and they told me they was gon na work on removing that hard inquiry off my credit and is been more than 8 months and they don't removed knowing I was going thru identity theft. XXXX XXXX. this been going on since XX/XX/2022 i need them to remove this hard inquiry from my credit report because i call them about this, and i explain everything to them, I shouldn't have this on my credit when i reported identity theft
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48237
Web
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer report.
08/17/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30058
Web
My purse was stolen a few years back with all my personal indentification and other belonging inside of it. As a result I believe this account was opened because I had no idea of the account until one day when a package came that was returned to the post office to send back to sender. I called XXXX 's multiple times informing them of the inaccuracies and the rep mentioned that I would still be responsible for the shipping and late fees which I refuse to pay being that the account was fraudulent opened and their merchandise was returned. I have a police report to prove my purse being stolen causing identifying theft to be possible.
05/12/2019 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 216XX
Web Older American
the company said I ordered clothes from them, I am XXXX years old and these clothes are women 's clothes, I did not order anything from these people. I do not ware woman 's clothes. I have contacted them many times, but they say I owe them {$230.00} on one account that is country door from XX/XX/2015. and another account called XXXX for {$250.00} from XX/XX/2015 .I asked them to prove I signed anything or signed anything .they cant or do not send me anything. both of these company 's share the same address of XXXX XXXX. XXXX XXXX, WI, XXXX thank you in advance for helping me. I have never received any thing from these company 's.
11/05/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DC
  • 200XX
Web
This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in 2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.
11/05/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • DC
  • 200XX
Web
This balance was disputed, as the amount is not correct. Since the balance is not correct, I refused to pay it and requested verification of how the debt was calculated in 2015, but he creditor failed to provide me with verification of the debt, as required by Federal law. Because the debt was not validated, I again refused to pay, until it was validated. The creditor then began to report it to the credit bureaus, but I never received what they provided to the credit bureaus. I disputed it with one of the credit bureaus directly in 2015, but nothing changed, and I did not receive the information provided to the credit bureaus.
01/11/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 63376
Web
I contacted XXXX XXXX regarding them reporting a account that is over XXXX XXXX XXXX on my credit report they could n't locate a account by my name or social security number or address. I disputed them reporting this account under my new bankruptcy in XXXX chapter XXXX. This debt should have been deleted a longtime before I filed bankruptcy but they added themselves as if this was a new or was due at the time of my bankruptcy. I asked then to remove it. I will not let this sit on my credit another XXXX plus years .They verified this account being reported correctly XXXX/XXXX/XXXX but when I called them they had no information.
11/06/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • XXXXX
Web
I received a statement from XXXX XXXX sent to my P.O Box over 6 months ago. It was for a order that was made for items that I did not order or recievc. I contacted the merchant and they informed me of this problem and I explained to them I had not ordered anything and that I have not received any merchandise. They stated I had to sign a statement indicating that it was not anything I had ordered or received.They sent me this affidavit which I filled out and returned. I just received a duplicate statement indicating that I still owe this money and they have now threatened me and reported falso information to the credit bureaus
12/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 751XX
Web
On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a mortgage process. The account is showing now 6 times past due which is incorrect and as a result of this incorrect information I was denied a car loan applied for this year. This information was added after my closing because there would have been no way to close on my house which this deliquent information on my report.
08/23/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AL
  • 36575
Web
Magazines from Montgomery Ward/ Swiss Colony/ XXXX XXXX ( all the same company, but with different names ) was being sent to an old address I haven't lived at since 2008 with my name on the magazine. Someone committed fraud and was able to order items from the magazines using my name pretending to be me! This could have been prevented by verifying up to date information and not randomly sending out magazines with my name on it, giving random ppl opportunity to commit fraud by just ordering stuff. The unpaid balance has been reported on my credit report. The situation resulted in my credit score going down because of this.
11/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06790
Web
I received a notification on my credit score that I had missed a payment of {$27.00} to some company and it dropped my credit score dramatically. I found the company and made payment ( it was {$27.00} ). After making payment I looked in to what it was. Turns out I never ordered or received what they said. I never opened this account. After the incident I filed a police report and put a lock on my credit score. I would like this removed because it shows on my credit as 4 missed payments. This is not right. This is affecting my ability to get a mortgage. I would like the 4 missed payments removed. I just want this removed.
09/11/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30344
Web
Hi placed an order with XXXX for XXXX total, I received a phone call to verify it was me before they shipped it around last of XX/XX/2020. I pass the verification and never mentioned how much I was approved for but on the book they sent me it said XXXX. They have posted on my XXXX credit report I was approved for XXXX but my order was XXXX. I never receive a credit card nothing with an account number. I never was late and theyve messed up my credit with a 30 day late payment with other damaging information. Im a senior and its hard for me to get out and shop and this account is paid and full and I want it investigated.
12/03/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 121XX
Web
I purchase the three items from XXXX XXXX in XX/XX/2017. When the items came to my house and was not please with the items. So I packed them up and paid for the shipping for the 3rd item Total {$16.00}. Next they send me a bill for {$39.00} I called the company and ask them what the charge was for, knowing that she received the items. She said the charge was for restocking fees. I said to the lady that's crazy I won't pay for an item that I don't have. A year later I get the attached letter from the Collection Agency saying I owe them {$82.00} This is on my credit report and should be removed. Sincerely, XXXX XXXX
07/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06512
Web
I was fraudulent with my identity 7 years ago with this company Montgomery Ward I tried to dispute this off my credit report as inaccurate, no knowledge to this account, fraudulent for the amount of {$430.00} date opened on XXXX, XXXX, XXXX it's a charge off account with no payments for many years now its fraud I reached out many times to Montgomery Ward I got no answers no resolution nothing but a update on my credit report as accurate for XXXX XXXX, XXXX a new current date this is not my account it's fraudulent I need help to solve this manner its hurting my credit worthiness my life is on hold because of this action
11/10/2023 Yes
  • Credit card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 270XX
Web
This is showing negative on my credit, and it should not be. Account paid on time, and it has been paid in full. Also, in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15UC1681 section 602 that states I have the right to privacy ; 15UC1681 Sec 604 A Sec 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose. Can you please have this negative reporting removed from all 3 credit bureaus. Thank you.
08/17/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 190XX
Web
Approximately six month ago, received a phone call from Montgomery Ward stating that I have an unpaid account and asking for payment. Notified company I did not open an account and was told to file a fraud report on my credit and would receive paperwork in the mail regarding how to file up and complete the fraud report. Montgomery Ward never sent this paperwork despite the fact I asked multiple times. Company continues to call and harass a phone number that is not my primary phone number and refuses to stop using that number. Company calls everyday despite knowing that activity is fraudulent. Mont Ward XXXX XXXX
02/22/2017 No
  • Credit card
  • Other
  • NE
  • 681XX
Web
Country Door and Swiss Colony are under the same company. I have paid these cards off and when I have tried to get my credit reports updated to no avail. When I called Country Door I was advised that this company, Swiss Colony, XXXX, and etc are under the same company and that they do not update/remove items from credit reports even if the card is paid in full. I have been told I have to request this to be done by directly contacting the Credit Reporting Agencies. However, I have hit a brick wall and there has been no action to remove these XXXX accounts from my credit reports since I have paid these accounts off.
04/28/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31909
Web Servicemember
Ive tried on several occasions to let XXXX XXXX ( {$860.00} ) and Monroe and Main ( {$1300.00} ) know that 2 credit cards were open using my social ( NOT MY NAME ) was not me! Ive tried to dispute the items but they keep saying they are mine. The persons name is similar to mine but its not mine. I feel that I shouldnt have to pay someone elses debt. I made a complaint and sent out letters from the identity theft.com website on XX/XX/2021. They still feel as if these were my accounts. They are NOT! It is their job to do their due diligence before giving credit cards to people because things like this could happen.
02/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NJ
  • 08619
Web
This is a recurring issue with XXXX XXXX and credit reports. Previous report XXXX they state the account is, and has been, always current. They blame the credit reporting company, the credit report agency blames XXXX. This is the XXXX time reporting this issue. XXXX is now again showing late payments for this account- there have never been late payments ( again refer to comments from XXXX on XXXX ). However the issue continues to recur with it reporting incorrect. XXXX time is a mistake, XXXX times is willful misrepresentation of data which directly impacts my credit and the agencies need to be held accountable.
09/05/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 43110
Web
There have been two fraudulant accounts opened in my name, that I have not opened or known about until yesterday XX/XX/2019. Charges were made to both accounts and sent to an old vacant address that I do not live at anymore. I have attached all the paperwork, detailed descriptions of the issues that I sent both companies already. I have also filed a complaint with a FTC Report package ( also attached ). These accounts were opened without a SS #. All they needed was my name, an address, and a phone number. How does someone pull a credit report and open an account without SS # verification? That is very scary!!!
07/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 448XX
Web
I recently check my credit report and I noticed 2 inquiries listed on my report. The first one was from ASHROXXXX XXXX XXXX XX/XX/2022 located at XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX a phone number of XXXX. The second inquiry was from XXXX XXXX XXXX on XX/XX/2022 with no phone number located at XXXX XXXX XXXX, XXXX DE XXXX. I went online to check on the two inquiries and the XXXX XXXX is regarding mortgage and could not find information on AshroXXXX XXXX have read complaints about these companies that may include fraud. These companies DID NOT and HAVE NOT contacted me. Therefore I believe this may be fraud.
12/17/2021 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
  • TN
  • 374XX
Web
I ordered some merchandise from XXXX and paid for it. months later I have on my credit report 60 days late for credit that i did not apply for. When I called XXXX to handle the matter ; they said that they sent me a necklace that I did not pay for. I then paid for it. but it is listed on my credit report that I applied for credit for XXXX and for XXXX and is late 60 days. I filed a dispute with XXXX with no results. If they had investigated this matter they would no that I never had a credit account with this company for that amount. This credit reporting error brought my credit score down XXXX points.
09/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 77053
Web
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
01/27/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MD
  • 20772
Web
I had receive a store card from XXXX ward through the mail with a card attached to an advertising magazine. The card limit was {$1000.00} limit. I misplaced the magazine with the card attached to it. The card was activated without my knowledge and a {$430.00} charge was made on the card. Wyen I realize the collection on my credit report, I disputed the collection on my credit report that was placed XX/XX/XXXX. I disputed the fraudulent and unauthorized transaction. XXXX XXXX then resolved the account after I disputed by charging off the account in XX/XX/XXXX, instead of removing the account completely.
09/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 77053
Web
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX XXXX XXXX but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
11/16/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 44120
Web
collectionSeventh Avenue has reported a debt to my credit report. I do not know where this debt came from. I disputed it with the credit bureaus and they said Seventh Avenue verified the debt to them. I have requested copies of physical documentation to validate and verify this debt and have been ignored. A company collection named XXXX stated they had no information concerning this account also and removed their status. Seventh Ave has not and they claim to be the original creditor. This is violation my FCRA and Fair Debt collection rights. How can they report this information with out any proof?
09/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IN
  • 47331
Web
I had paid off an account in the amount of {$270.00} with The Swiss Colony. They said over the phone they would mail me a receipt and I have not received that receipt showing this account is paid for and closed. I have been patient and called them several times and even spoke with a manager. I was told I would receive a receipt in the mail. It has been several weeks and I have not received anything. I would now like an email copy along with a copy sent to me in the mail. In addition to that, I want all items from the Swiss Colony deleted off all my credit reports. This includes XXXX, XXXX and XXXX.
01/10/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30092
Web
Online women 's clothing company - MONROE AND MAIN - illegally opened an unauthorized account with a credit line of {$750.00} in my name. On XX/XX/2017 I received what I thought was " junk mail '' to find a bill for a past due amount of {$39.00} notifying me that it the account has been sent to collections!! I immediately called to dispute the claim, charges, etc. Following up on XX/XX/2017 I was told they 've closed account with XXXX amount due and are recalling the notice to collections. Please direct me regarding steps to ensure this is rectified and that it will not effect my credit. Sincerely.
07/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93309
Web
I am a victim of Identity Theft. I notice on my credit report that there was a collection for Swiss Colony in the amount of {$460.00}. I didnt even know who this company was until my son look it up for me. I never order anything from them in my life. I have filed a police report with the local police department and have sent a Notarized affidavit to the credit bureaus and to Swiss Colony and it still showing on my credit report. WHY???? I am hoping that you can help me with this and this is will be remove from my reports IMMEDIATLEY I have attached the copy of the police report and the affidavit
08/27/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IL
  • 60621
Web
I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under Montgomery ward XXXX XXXX XXXX XXXX XXXX on my credit reports
03/09/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MI
  • 49022
Web
I have sent dispute letters to Ginnys inc they did not Complied to any of my dispute letter them for verification of competent evidence bearing my signature. Ginnys has not Complied to me in timely manner 30 days period and failed to place notice of dispute on credit reports including XXXX, XXXX, and XXXX which they are in violation of the Fair Credit Reporting Act 623-a-3 ) and corresponding federal and local state laws. This means Ginnys are reporting unverifiable, inaccurate, and incomplete information very serious reporting error and Non-compliance under the FCRA and federal and state laws
08/27/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11226
Web
XXXX XXXX has been billing me since XX/XX/XXXX and have placed charge offs on my credit profile until XX/XX/XXXX. I have disputed this with the credit bureau on XX/XX/XXXX to no avail and as a result, my credit has been negatively affected because of the many charge offs that they have placed, and to add insult to injury, they placed another charge off for XX/XX/XXXX. I have never bought a single item from this business and they are fraudulently billing me for a debt that I do not owe. I do not contain any receipts, because like I mentioned before, I never bought a single item from them.
08/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • XXXXX
Web
XXXX retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. XXXX should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.
05/08/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • MA
  • 013XX
Web
Hi I was informed on XXXX that i had XXXX bills at my moms house My niece who i havent spoken to for years got my ss # and tried to establish numerous accounts XXXX in particular allowed her to use it montgomery ward for XXXX for a small netbook i found this out my tracking the package an the post office in turners falls told she called an asked her to hold it for her i told them i 've been scammed an told them i will pick it up with the police to send it back as of now case is ongoing Her name is XXXX i meet with the detectives monday am i did credit card check an she tried numerous times
03/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 360XX
Web
An account was compromised by a collection agency that came to serve papers to collect for an account that was sent to them by XXXX. The Collector asked me about my personal information wrote it down and corrected it and added it to an account that was a family member with the same or similar name that also was present at the time. He decided not to serve the papers because of the mix-up of information. Years later, I noticed that the account was added to my credit file for non-payment. I have tried to dispute this with the company for years. They will not delete it from my credit file.
11/11/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • MI
  • 480XX
Web
My husband who is now deceased open a line of credit through Colony brands with my social security number. It took over a year and a XXXX complaint for them to close the account and say I am not responsible. They will not give me any credit in my own name, nor will they even do anything to correct the issue with me. I have had no contact with them. They say they sent letters I got nothing. I think they owe me for allowing a credit line to be opened in my name with due diligence. All I ask is for a credit line opened in my own name. I tried to apply and get denied which is totally wrong
12/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • LA
  • 705XX
Web Older American
An account for XXXX XXXX is on my credit report. I did not open this and it is affecting my credit score. I have contacted the company and they have stopped it on their end but advised that I contact you. Someone is using an old name of mine, XXXX XXXX and an old address XXXX XXXX XXXX, XXXX Tx. There are renters in that house and they are most probably using old advertising with my name on it that was in the mail box. I have long since changed my address.. I don't know who these people are. Please help me to repair my ruined credit score which by the way dropped XXXX points in a month.
02/26/2020 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
  • FL
  • 33619
Web Servicemember
XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a writeoff. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor has to remove the current status to list it as paid in full. When I spoke to the creditor they stated the bureaus have to remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see the attached bank statement showing a payment of XXXX paid in full. XXXX XXXX Account number : XXXX XXXX
09/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 782XX
Web Older American
I tried to open an account with Swiss Colony two years ago and the present. I called and asked why I was turned down. They said, it was because of an account in the year 2000 and it was placed with a third party. I explained to them that I didn't remember an account back then and was not contacted by a third party. This was 19 years ago. I have several accounts that Swiss Colony is grouped with and are paid on time. For some reason, Swiss Colony keeps turning me down. Something doesn't sound right about this. And I'd like to know why do they go back to something that was 19 years ago?
12/27/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 641XX
Web
Swiss Colony and their collection company, XXXX XXXX continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted Swiss Colony and XXXX XXXX, but this account still has not been removed from my credit report. I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.
10/17/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 90043
Web
Ginnys.com is blatantly reporting false information on my credit reports and causing my credit rating to be affected. I have called and asked them to remove the false information but they sent me a letter saying no and that my request was deemed frivolous. I have a confirmation number to prove that I paid the account in the amount of {$44.00} in XXXX and not XXXX like they are reporting. This is unfair and affecting my credit rating. This is blatantly reporting false information. This false report has caused me to be denied the opportunity to get approved for other credit accounts.
08/16/2020 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11357
Web
Received a Notice of Collection from XXXX XXXX XXXX to an address that I have not lived at in 29 years. They are trying to collect {$880.00} from a company XXXX XXXX that I have never ordered from and have never had a credit card with it. I called on XX/XX/2020 to let them know that XXXX XXXX is known as a scam on the XXXX and that their company I am sure is too. They said they have a social security number on file and tried to get me to tell them the last four digits of my number, which I did not. I also looked up XXXX XXXX XXXX and they have many complaints on the XXXX as well.
07/17/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MN
  • 560XX
Web
I have an account that was opened under my name with montgomery ward and it was opened on XXXX I'm not sure how much has been put on this card. I didn't have no card sent to me or no info come through the mail or email about having this account was even opened. I put in a dispute in for this and got a letter back a few weeks later that i needed to go on this Websight and put in a dispute. and i did and nothing has came around to fixing this for me. I have called and talk to someone on XX/XX/XXXX for a fraud on this account and was told to call the fraud department on XX/XX/2022.
03/04/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WI
  • 54403
Web
I received a bill in the mail from a company called XXXX XXXX showing that I have a {$200.00} balance. I see that there was an inquiry with XXXX on XX/XX/XXXX. The statement refers to a purchase made on XX/XX/XXXX. I have no idea who this company, and most certainly did not open a line of credit or purchase anything from them. I do not see a line of credit that was opened, but I have this statement telling me that a payment is due no later than XX/XX/XXXX. I've put a freeze on my credit report with XXXX, XXXX, and XXXX, but worry that whatever was done here was already done.
09/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30809
Web
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.
03/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60031
Web
Report Number XXXX Date Generated XX/XX/2023 GINNYS Account XXXX THESE 2 COMPANIES I FOLLOWED DISPUTES WITH PREVIOUSLY AND FOUND IT WAS STILL ON MY CREDIT REPORT THEY WHERE CHARGED OFF AND NOW AFTER A DISPUTE IT SAYS ON MY CREDIT REPORT I HAVE A CTIVE BALANCE Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. XXXX XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details.
03/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60031
Web
Report Number XXXX Date Generated XX/XX/2023 GINNYS Account XXXX THESE 2 COMPANIES I FOLLOWED DISPUTES WITH PREVIOUSLY AND FOUND IT WAS STILL ON MY CREDIT REPORT THEY WHERE CHARGED OFF AND NOW AFTER A DISPUTE IT SAYS ON MY CREDIT REPORT I HAVE A CTIVE BALANCE Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. XXXX XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details.
07/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 553XX
Web
Montgomery Wards is reporting negative information on my credit report that is not mine. The social security number is not mine and they continue to report negative information on my credit report ( XXXX ) every month for the last year and continues to do so even with letters and filing a complaint. I would like this removed since this is not my account and never has been. Montgomery Wards even told me that it was not my account but still continues to report it on my credit. Also, the account belongs to XXXX XXXX XXXX and I am XXXX XXXX XXXX, last name spelled different.
01/23/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60139
Web
This company continues to report 2 unauthorized accounts on my credit report. Ive even tried to pay this debt that isnt even mine however, the company says they do not even own it anymore. The debt was apparently sold to a collection agency. The major issue with this is # 1. The collection agency is no longer in business # 2. Why is the original creditor still reporting a balance on an account they no longer own. The original creditor will not deal with me since they sold the debt. So they expect me to deal with a phantom collection agency. This is becoming ridiculous.
02/10/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 29108
Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
01/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29108
Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
02/13/2019 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WA
  • 98664
Web
I received an invoice letter from XXXX XXXX, dated XX/XX/19 for {$550.00}. I have never heard of this company and haven't ordered from this company before. They said that I placed an order but due to the high amount, they are unable to process without some advance remittance. They asked me to mail a check, money order or credit card ( for the above amount ) and they will process the order immediately. I called the number XXXX. It said that all agents were busy and put me on hold. I contacted the Federal Trade Commission and put a fraud alert on my credit report.
10/13/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • GA
  • 30034
Web
I ordered XXXX gold plated necklaces. XXXX herringbone and XXXX gold rope. The both were supposed to be real gold plated. The change my neck and {$600.00} XXXX shirt blue. They both are not real. I called and in XX/XX/XXXX to file a complaint and insurance claim. They did not start my insurance calling until XX/XX/XXXX. They are saying it will take XXXX weeks for the insurance department to investigate and contact me which is completely unjust and unfair. I would like this issue to be resolved immediately and a full reimbursement of my {$600.00} for my XXXX shirt
05/24/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32746
Web
I dont have any knowledge of this account ( Ginnys ) one of their many affiliated companies and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX. Based on my research on this matter, It seems like this company has a reputation of opening fraudulent credit line without peoples authorization.
01/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 078XX
Web
I received a 7 inch XXXX tablet via XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IA XXXX. I called the Company and spoke to XXXX, then XXXX. They couldn't connect me to their Fraud Department, but said it would take about 2 weeks for me to receive a return mailing fraud package from them with a form for me to complete. In checking on line, this Company is listed as sending packages to victims ; items they did not order and haunting them for payment. I am returning this item but I am very concerned about my credit and what information they have of mine.
11/21/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MA
  • 02125
Web
I have been alerted to 2 hard inquiries on my XXXX XXXX Credit Report, I have never had anything to do with either of these companies XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX I contacted XXXX XXXX and was told that I had to prove that these inquiries did not belong to me, by contacting the above companies and get a letter of deletion.. and then they said it's only on your report for 2 years, why bother. I tried to dispute it on the XXXX XXXX site but it's the only part of the report that I couldn't select. It looks like your my last resort ... PLEASE HELP!!!
10/30/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 19027
Web
I have a freeze on all of my credit reports. A company XXXX XXXX XXXX pulled my credit report by saying it is was Fraud activity on my account. Per I do have an account with this company and this is not the first time they tried to pulled my report. So in order to excess my report they state FRAUD and when I call the company to see what was the FRAUD they refuse to take my call. I have been hung up on 3 TIMES. I need to inquired deleted. Per I have not done anything but try to keep these companies from pulling my report without my knowledge. Thank you XXXX XXXX
07/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 79065
Web
I did not purchase anything from Montgomery Wards, I know who did, but they did it in my name I don't know if it was tools or tires, I am not paying for something that I don't and have not used! I have contacted the main office and they told me to get a signed document from that person and he will not do it! I don't know what to do with this account! If it was the tools I don't use them and they are no where in my home and for the tires I have a different vecheil, and have had for over a year! So maybe I could get some direction on how to handle this! Thank you!
04/24/2023 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
  • AR
  • 721XX
Web
On XX/XX/2023, after unfreezing my credit reports, I set up a direct payment to clear off two debts that were showing on my credit reports. The companies Seventh Ave and XXXX XXXX both of the same address XXXX XXXX XXXX, XXXX, WI XXXX. As agreed the direct payment was paid to these two accounts via a bank draft. AFTER the accounts where cleared by my bank, the companies came back onto my credit file, first marking the account as paid, then came back later the same day and reported that the accounts where charged off, which is a lie. They were both paid in full.
06/10/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 190XX
Web
XXXX continues to list a debt from XXXX XXXX a company I have never purchased a XXXX thing from, of which they could never verify a signature of purchase for anything, the debt is from a phone order of which I never had as a phone number associated with, they have had this junk on my file for 4 years, I have attempted to get it removed several times, outside of the court system which I contacted attorney generals office over, and they are now investigating, I have had no relief ... my signature was never verified nor proven ... they are liars who made a mistake
03/02/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 95834
Web
I received a credit card statement from XXXX XXXX. I called to let them know I didn't open this account. The rep on the phone provided me the address to write a fraud statement to. However she did advise that it was a new account opened on XXXX with my billing address in California with goods shipped to XXXX MD. my concern is how or what fraud triggers this company has that a brand new account has a shipping address that does not match the billing address green lights such a thing. maybe if it was an established account sure but this seems like bad controls.
07/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MS
  • 397XX
Web
I have disputed this debt with XXXX XXXX on several occasions, with XXXX, XXXX and XXXX. This alleged debt was removed from my XXXX credit reports on XX/XX/2019 and XX/XX/2019, yet it keeps reappearing on my XXXX credit reports, causing injury to my credit score. I asked them to send me proof, to show that this is indeed my debt and they only send me a computer print-out, which is not proper validation of debt. Montgomery Ward has defamed my credit by reporting information that is unverified and inaccurate. This precedent was established by XXXX vs. XXXX XXXX.
04/16/2020 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
  • PA
  • 19454
Web
Request to dispute item ( Ginnys ) on credit file because information provided by creditor was either inaccurate and/or incomplete. Credit Reporting Agencies would not honor my request. The agencies ( XXXX, XXXX ) would update the account with no information provided by the creditor, reporting the exact same information that existed before my dispute. The agencies are not in compliant with FCRA which requires them to re-dispute information that is incomplete or inaccurate on a consumer 's report. They have ignored my written requests online and via mail.
05/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MS
  • 393XX
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
05/19/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 21014
Web
These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX Ginny 's Inc XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You
03/06/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 230XX
Web
i called XXXX XXXX today and i was told that i owed XXXX and they put on my credit report i owed XXXX and i dont and the account is closed and took a lose and now im told they sent it to a collection agency called XXXX phone number XXXX and they still haven't taken it off my credit report and the solclution is for them to remove it also my sister never order anything for XXXX, on XX/XX/2017 and she never order anything and my sister got a bill yesterday for XXXX, for something she never ordered and the bill was for XXXX that she doesn't owe help us please
09/17/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NE
  • 68111
Web
My original order was shipped to the wrong address. The company promised to resend the gifts to my mother. I made payments on the account but months later I asked my mother about her hat and dress and she informed me that she never received the gifts. I immediately notified the company, demanded a refund of the payments I made, and closure of the account. Until I saw the documents submitted for validation, this is why originally I thought this was a result of unauthorized use. I knew I did not owe a balance because I did not receive any goods or services.
02/26/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 608XX
Web
I have been trying to rectify the account with this company XXXX XXXX. I have filed several complaints in regards to receiving information pertaining to this account to no avail. Then company, XXXX XXXX has refused to provide any information about the account. I don't know if it is mine, I don't know what the debt is for and when contacting the company, they refuse to provide any details. Per the Fair and Accurate Credit Transaction Act, they should be providing verification of said account via documentation or remove the account from my credit profile.
02/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • IA
  • 528XX
Web Servicemember
I had my identity stolen, and didnt find out for years later when I went to buy a vehicle. Im trying to distort these since I was not the one that gained from this, but a victim of theft. Please help me to rid these from my credit report. Im trying to get help with these. I appreciate all your kindness. There were 4 acts I found.. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI dont have the rest of this act number sorry.. please help me rid this from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
07/03/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 42301
Web
XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports. Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.
07/03/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 42301
Web
XXXX XXXX - is not showing an account number plus it has already been paid of and closed i need to know why it is reporting derogatory on my credit report. Swiss Colony- is also not showing the correct information as well. it has been paid off and closed for years. Plus it doesn't show any account number on my credit report and is also showing a s a derogatory mark on all 3 credit reports. Ginny is another company on the same path as the other 2. It has affected my credit in a negative way and I would like all 3 removed from my credit reports.
12/15/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 152XX
Web
I contacted XXXX XXXX and asked them to correct the inaccuracies that they reporting inaccurately. I contacted the credit report agencies and ask them to verify this account. I have been continually disputing this account. They continue to place new negative payment activity on my credit report for an account that they say was opened and charged of in XX/XX/XXXX and XX/XX/XXXX Please tell them that they can not continue to due this and make them correct all the incorrect information on my credit report or delete this account immediately.
03/19/2017 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • CA
  • 90001
Web
i ave been dealing with seventh ave for a very long time regarding a fraudulent account open on my name they have been given me the run around i have sent them all requested paper work and they say they have no received it. every time i disputed with credit bureus they say s been verified but when i request proof they never send me anything. I HAVE ENCLOSED PROPER THEFT AFFIDAVIT ND POLICE REPORT. At one point i even tried to settle this account because it was causing me so much headache but why should i have to pay something that i did n't do
04/10/2021 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
  • AZ
  • 85396
Web Servicemember
Colony/Midnight XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with XXXX with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.
09/22/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60619
Web
I have never ordered anything from this company nor received anything from them. A collection account from them appeared on my credit report, and when I disputed the info with the 3 credit bureaus, Swiss Colony sent back a letter asking me to provide proof of my residence and other items ... .I refuse to provide this information to a company that I 've never heard of and never did business with. I was impacted by the XXXX breach, so not sure if this has something to do with it. This information needs to be removed from my credit report.
09/20/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • IN
  • 46208
Web Servicemember
I was trying to make a payment to XXXX XXXX XXXX. The payment was due on the XXXX of each month. Made a payment online and received a message that confirmation was delayed but would be sent in 30 minutes. Tried the process twice, made copies of the error message. Received an email that my payment was late. This has happened twice since I received the card. A customer service representative called me about my late payment. Informed him of the problem I was having. He told me he does not handle that department on late payments.
08/22/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WV
  • 254XX
Web
Today, XX/XX/2019 I received a debt collection notice from XXXX XXXX XXXX. They claim I owe money from a company named Ginnys, which I had never heard from until today. When I tried to get information they just said called Ginnys. When I called Ginnys they said they couldnt tell me who placed the order, what was purchased, or where it was sent. Im very concerned that I have been fully sent to collections and have ruined my credit over an $ XXXX+ charge that is fraudulent. Im concerned that my social security number has been compromised.
02/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 386XX
Web
I recently have been taking steps to build my credit with XXXX XXXX. I was informed of 3 or 4 accounts opened in my name beginning in 2017. I did not do this. I disputed the information and the companies still say the information is correct. I have 2 people in mind that I know could have done this. I have included the copies of the XXXX report. All accounts except for the XXXX account is fraudulent. If you look at the dates these were all opened very close to each other. I dont know of any other way to prove it wasnt me. I need help.
02/26/2020 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
  • FL
  • 33619
Web Servicemember
XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a write-off. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor must remove the current status to list it as paid in full. When I spoke to the creditor, they stated the bureaus must remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see attached bank statement showing I paid XXXX in full-page 3
03/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 396XX
Web
To whom this my concern, I have dispute several accounts or more on my behave in witch when I have first got started also pull my credit for the following companies : On all 3 credit reports I request to update all my information still to come in 4 months time I see some items are being deleted also coming back on different address I still maintain some of the items are over 5 to 10 years or longer is still being reported I fill like if these items are showing off close charge offs or no date for the time period it should be removed
11/29/2017 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem with the payoff process at the end of the loan
  • WI
  • 53402
Web Servicemember
I recently paid off my installment to XXXX XXXX for purchasing a few items. When I paid the debt I was informed everything was good to go. I was not informed of any negative information that was going to be reported to the bureau 's saying that I had failed to pay. I was not given any warning statements of any sort. Never once did they report anything positive to the bureau 's but decided to report negative information. I do not believe that is fair to never report anything positive but feel the need to report negative information.
11/15/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MS
  • 39180
Web
I got my credit pulled to apply for a personal loan and was told that I had several credit accounts on my credit report. I was alarmed because I never applied for credit at any of these companies. When this person showed me the companies listed, I immediately knew that I was a victim of Identity theft. I went to the police department and filed a fraud and identity theft report on these companies. Montgomery wards, seventh avenue, XXXX XXXX XXXX and an XXXXXXXX XXXX XXXX cellular account. I never applied to any of these companies.
03/30/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MA
  • 023XX
Web
Seventh Avenue has been sending us billing statements with a reference number, but no product description, stating a payment of {$170.00} was due ( now increased due to late fees ). We initially ignored these statements because, after doing research, it appears this company is an old school phishing scam to get our personal information. We are now receiving statements stating they will send our information to professional collection agency. We had never heard of this company before, nor have we ever purchased anything from them.
01/15/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30294
Web
Since XXXX of 2019 this account was place on my credit report I called the company to try to get this remove but couldn't talk to anyone due to identity theft so now the account is a charge off is was written off but it state I still owe XXXX dollars I dispute it with XXXX results came back be accurate that is was my account. I do not getting any bills or emails from them stating that this is my bill this has put a damper on my credit report as a delinquent account and can not get approve for a loan even when my score was a XXXX
06/07/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33805
Web
Good afternoon, The representative I spoke with stated that after payment was made to rectify the account, the account would be removed from the 3 credit bureaus that it is being reported to. Now I've started the mortgage process to secure a home for my family and this negative account is still showing on my credit reports. My process is now at a standstill until I can get this matter rectified. Please honor our original agreement and send a request to the credit bureaus to delete this account from my credit reports, thank you!
03/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36265
Web Servicemember
XXXX XXXX, XXXX XXXX XXXX, XXXX, Wisconsin...... XXXX I paid this account off XX/XX/XXXX in full in the amount of {$170.00}. Account opened XX/XX/XXXX. I had to care for my sick, XXXX XXXX, unable to get a part time job to pay off this debt, she passed on XX/XX/XXXX. I paid the account off. I contacted this company by phone XX/XX/XXXX, XX/XX/XXXX, by letter, XX/XX/XXXX with no results to remove the CODE, " CO '' from my credit report. I asked if they would REMOVE " CHARGED OFF '', since I paid the full amount, THEY REFUSED.
04/06/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 617XX
Web
There is a account on my credit for XXXX XXXX opened XXXX for {$210.00}. I have never received information on the debt and have tried to dispute through my credit asking for validation including information proving I opened the account but they never send me anything they just validate and keep it on my credit. I have been trying for almost 5 years to get it removed or validation. At this point I want it removed as I feel my rights have been violated by them not providing proof that I opened this account and that I owe it.
01/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • LA
  • 70791
Web
On my XXXX account XXXX is reporting XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 as late. I spoke with XXXX credit department and I was informed that they did not report that to XXXX. I spoke with XXXX at XXXX who stated they received the information from XXXX. I would like for this to be looked into b/c it appears that XXXX is reporting inaccurate information. XXXX as well as XXXX have the correct information. I did file a dispute but I would like to insure that the inaccuracies are taken care of.
02/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27540
Web
I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address. When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.
09/27/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 45069
Web Older American
I have asked for the late payment to be removed. I was told it could not be remove because it is correct. In accordance with the Fair Crediting Report Act this creditor has violated my rights under 15USC 1681sec602 states I have the right to privacy 15USC 1681 sec 604A sec 2 also states a consumer reporting agency can not not furnish an account without my written instructions under 15USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plant as late for any purpose.
02/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27540
Web
I have been contacted on 2 separate days from XXXX and XXXX claiming to be a collection agency collecting outstanding debt. in my name from the online store XXXXXXXX XXXX. I've never used this store and I would not provide my last 4 of my SSN, my DOB or mailing address. When I asked them what they had for a mailing address on file they replied XXXX, TX. I have never lived there. I told them they could file a collection against me because it is not my debt and I wasn't paying it nor was I providing any information.
03/31/2016 Yes
  • Credit card
  • Unsolicited issuance of credit card
  • CA
  • 91706
Web
I 've contacted them multiple times about them reporting on my credit file a seventh ave account with a balance of XXXX dollars, they wanted me to sign and send back information which I have and they are not in no way trying to resolve this issue with me, I have No idea who or what they sell, I just want them to be removed from my credit file. Please have them Remove themselves from my XXXX major credit files XXXX. They have failed to send me any documentation that this account is valid and I am extremely concerned.
08/03/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NM
  • 87507
Web
On XX/XX/2022 I noticed a big change on my credit score via the XXXX XXXX. A fraudulent account had been opened under my name and social security number for the credit issuer " XXXX XXXX '' the account # is XXXX. A XXXX XXXX purchase was made with it and it is currently over 60 days past due. I never placed any order nor did I open the account sign or date. I made contact with XXXX XXXX ( Loss & Prevention ) for XXXX XXXX via phone at XXXX to dispute the account and they have now marked the account as fraudulent.
07/24/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 451XX
Web
i spoke with this company the debt is actually my mothers she has the same exact name as me. she also filed bankruptcy within the past year. this company refuses to remove this debt from my credit report but this is my mothers debt. this is damaging my credit report furthermore i need paid for the damages or i could look at legal counsel the damages caused are as follows 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act
07/14/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29732
Web Servicemember
I have contested a XXXX dollar bill with the company Swiss Colony in XX/XX/XXXX. On XX/XX/XXXX 2017 They responded with two letters stating that the account does not belong to me and that they have contacted the credit reporting agencies to have this account removed. In the process of getting a mortgage the collection account is still showing in XXXX, I have submitted letters two XXXX and call them and was told that when they call Swiss Colony there computer still showing the account as belonging to me Help.
12/19/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • SC
  • 296XX
Web Servicemember
I was notified by XXXX that I have a past due balance, but I never ordered anything. My identity was stolen, and used to create an account, and items purchased which I never ordered or received any benefit for the items. I never authorized anyone to open an account in my name, nor did I open any account. No action has been taken by the company. I never received the items, nor opened the account so that account should be closed immediately and removed from my credit record, as my identity was clearly stolen.
04/12/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • NE
  • 693XX
Web
I have disputed an account with XXXX XXXX dated XX/XX/XXXX for account # XXXX, requesting any all documentation bearing my signature. Which they failed to do. However in their reply I received back from the company, it shows last payment date of XX/XX/XXXX, along with a transaction summary regarding a completely different account number and name on it. I have also disputed the three credit bureaus which say the account has been verified. I demand that this account be removed from my credit file immediately,
11/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 127XX
Web Older American
I believe a credit card closed due to fraud use was used by Midnight Velvet XXXX XXXX XXXX XXXX, WI XXXX claiming I purchased clothing from them. I never heard of the company until I received a statement claiming I owed XXXX # they gave XXXX XXXX XXXX XXXX. No date of purchase or items listed sizes etc was given as to proof of purchase? I have attempted to contact them to no avail. This is now lowering my credit score and would like you please to look into it. Thank You PS my first name is mis-spelled
04/05/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77449
Web
On XX/XX/XXXX receive an statement from Seventh Avenue on a newly open credit the I have not applied - inmidiatly contact them to let them know- the were going to investigate- on XX/XX/XXXX receive a letter from Seventh Avenue responding to my call- but every month since then an monthly statement arrive to my home- now Im start receiving calls and text to collect the money they said was expend with them - today is XX/XX/XXXX and I dont know what to do so this wont stain my credit record - please advice
03/06/2017 No
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • GA
  • 30097
Web
I had fraudulent accounts added to my credit file. Ashro was one of them. Items were purchased. I contacted Ashro and sent them copies of police reports, etc. I even offered to pay the account if they would remove it which they agreed. I sent the letter and payment. The payment was cashed. The item has not been removed. Not only is this fraud but they did not keep their word and remove the account after I paid for it. This item is still showing up on XXXX. All other agencies have removed this account.
11/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 127XX
Web Older American
I believe a credit card closed due to fraud use was used by XXXX XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX claiming I purchased clothing from them. I never heard of the company until I received a statement claiming I owed XXXX # they gave XXXX XXXX XXXX XXXX. No date of purchase or items listed sizes etc was given as to proof of purchase? I have attempted to contact them to no avail. This is now lowering my credit score and would like you please to look into it. Thank You PS my first name is mis-spelled
04/06/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MI
  • 498XX
Web
On XX/XX/22 I let the credit card issuer, Monroe and Main, know that I was a victim of a fraudulent account. I reported this via email through their website. I have never heard of this company prior. I deny opening any account, receiving a credit card or receiving any product. They also have my maiden name in the address area which I do not use. A charge was issued on XX/XX/22 in the amount of {$140.00}. I am waiting to hear back from this company. Can you help me with this identity theft? Thank you!
08/11/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AZ
  • 85737
Web
I purchased a pair of shoes from the merchant through a mail ordr catalog, Midnight Velvet ) a subsidiary of The Swiss Colony. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA
08/27/2016 Yes
  • Credit card
  • Unsolicited issuance of credit card
  • IL
  • 60621
Web
Company is reporting on my credit report that I owe them I just realized this is showing on the credit report I have written to them and they sent me back a identity theft affidavit and i asked that they investigate the debt but they are stating the form must be completed first but I have not indicated identity theft as of yet. I returned the form with notary because the police have not been contacted.I asked that a copy of any of the orders and or payments made be sent to me. no response as of yet
10/18/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 074XX
Web
I have received many collection calls from a company called Ginnys from # ( XXXX ) XXXX. I have never ordered anything from Ginnys nor did I open a ginnys account. They tried to get additional personal information on the phone call today. Agent said I ordered product and had it shipped to an address in Pennsylvania. I checked by credit report today and there is no ginnys account but I am concerned they will somehow access my credit. I do not have any documents. I have only received phone calls
05/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IN
  • 479XX
Web
XX/XX/21 and XX/XX/21 dispute results from XXXX both show they did not take the proper steps to delete the creditor from my credit report. I requested XXXX XXXX, acct # XXXX for validation of the debt and they did not furnish me with anything just updated it as charged off. They did not mark " notice of dispute '' by consumer within the 30 days. FCRA, Section 623 ( a ) ( 3 ) and Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.
11/09/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27107
Web
XXXX appeared on my credit report as an inquiry on XXXX, Immediately calling them, I was advised that there is an account In my name with an active balance. I asked to have the account closed and marked as fraud and was advised that literature will be sent to me in the mail, I provided them with my address, as of yet I have not received anything from this company and they will not assist with rectification. I am unsure of how to prevent my credit from being damaged. The company name is XXXX XXXX.
05/15/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29461
Web
my credit report indicates this account was open on or around XXXX XXXX ,2011 at an address I never resided at. I 've disputed this account with the XXXX credit bureaus on several occasions as a fraudulent account. They 're stating the response from this compan y ( XXXX ) i s verified as mine. How are they verifiying this account? I do n't have or nor have I been sent any thing verifying this fraudulent debt as mine. I do believe my ex husband 's girlfriend may have gotten this account
06/11/2020 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
  • Was not notified of investigation status or results
  • MA
  • 02301
Web
I was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
12/24/2021 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
  • CO
  • 80015
Web
As of XX/XX/2014 a charge-off is still appearing on my XXXX credit report. I have disputed this information with XXXX against the company called XXXX XXXXColony Bands XXXX Inc ... Each time I dispute this charge-off which is still showing an amount owed for {$1900.00} they simply add a new charge-off date reflecting the date of my dispute. This charge-off is over seven years old. I never purchased goods in that amount from that company and the charge off needs to fall off my XXXX credit report.
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95825
Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
09/29/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95825
Web
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
09/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 77053
Web
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
09/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Their investigation did not fix an error on your report
  • TX
  • 77053
Web
The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
12/31/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89115
Web Older American, Servicemember
On XX/XX/2021, someone allegedly named XXXX XXXX ordered a laptop computer online and it was shipped to XXXX XXXX XXXX XXXX, XXXX, OR, XXXX. This week, I was notified by XXXX that I had a past due account. I called XXXX XXXX and notified them. They told me to file a claim on XXXX. and send them a notarized letter which states it was fraudulent. The claim has damaged my credit rating and the company has not removed the late payment allegation. I have closed the account and requested relief.
06/20/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77026
Web
Good Afternoon, This is a compliant to XXXX XXXX ( XXXX XXXX XXXX XXXX, WI XXXX ), regarding a closed account I wanted deleted off my credit report. The company was not able to give valid information to verify the debt was mine. They submitted a itemized statement showing balance and fees applied to this account. This is not valid validation of debt of this account. The FTC has issued an opinion letter on this subject, and concludes that an itemized printout does not represent verification.
05/02/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • IN
  • 467XX
Web
Someone opened a Montgomery Ward account under my name and wrong address. My ex husband received mail and passed it on to me. I never lived at the address being sued, I also did not open the account. The account # under my name opened falsely is # XXXX Someone purchased a {$450.00} purchase that was shipped to Florida, and Montgomery Ward wants to collect payment from me. I never ordered anything from this company. XXXX XXXX XX/XX/22 I would like this account closed and my credit repaired.
01/02/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NC
  • 28403
Web Servicemember
On XXXX XXXX, 2017 I received a notice from " XXXX XXXX '' at XXXX XXXX XXXX XXXX, WI XXXX that stated I was approved for credit and had ordered something, but did n't say what, and that my order could n't be processed until I paid them 50 % of the order or {$480.00}. They said that was a down payment and once that was paid they would ship my order. I did not apply for this credit and I did not order anything. This is either a scam or someone trying to use my name for identity theft.
07/03/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 95404
Web
XXXX XXXX, I had purchased a XXXX XXXX XXXX in 2015 it didnt work I called the company and they said they would send me a new one. I received the new one and XXXX XXXX said to send the old one back .After receiving the second one that one didnt work either .So I called they said to send them both back I did .Since I have been tring to fix my credit I have seen this same charge on my credit report which is affecting me from tring to rent somewhere else. Please remove this thanks XXXX
01/09/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • LA
  • 71202
Web Servicemember
this debt populated unto my credit report ; do n't know anything about the company ; debt is not mine ; I want it it removed from my report immediately ; {$100.00} ; Monroe and Main ; XXXX XXXX XXXX., XXXX, WI XXXX ; Acct. # XXXX ; file a dispute with XXXX and they say acct. is mine and that it will stay on my report until 2022 ; this is not my acct ; I have file bankruptcy and have been monitoring my report tediously ; not my acct ; remove it please ; ; XXXX acct # XXXX ; dispute ;
11/10/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46260
Web
I made my first payment with this company. When the second payment rolled around, I called in to see what payments extension options they had for COVID related issues. I was informed that they would push my current amount due out for 60 days and assured me there would be no payments reported late. Unbeknown to me, I checked my credit reports recently and saw that they in fact did report my payments late and that they are not even recording my initial payment as being paid on time.
02/14/2020 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
  • GA
  • 30122
Web
I have advised XXXX of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with XXXX because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.
10/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30022
Web
I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with XXXX XXXX to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report
12/15/2016 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • XXXXX
Web Servicemember
They began calling me on XXXX/XXXX/XXXX for a past due first payment. My bill showed XXXX/XXXX/XXXX as the due date. When I received my 2nd bill on XXXX/XXXX/XXXX the due date said XXXX/XXXX/XXXX. So I called asking why my due date was ( a ) changed & ( b ) why I was not notified. The rep said she could not answer those questions. Her name was XXXX. I need to know when my bills are due in order to make timely payments. Montgomery Ward should not be allowed to do this arbitrarily.
07/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 380XX
Web
Earlier this year I checked my credit profiles and noticed a Ginny 's credit card on there that was supposedly opened in XXXX. Ive never had a Ginny 's credit card. I don't even know what Ginny 's is. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.
08/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28120
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX and Account number XXXX XXXX XXXX also has violated my rights. 15USC 1681 Section 605 states i have the right to privacy. 15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit planas late for any purpose
11/18/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • VA
  • 24019
Web
Hi how you doing, XXXX email me there is a hard inquiry on my report when I login to my XXXX XXXX I see the company name XXXX XXXX XXXX XXXX XXXX XXXX, wI XXXX I never never heard about this people for this company never order by phone by mail or by the Internet we dont even have this company and my state Im afraid someone have my information or Trying steal my information I called him and emailed him no one is responding please tell me what can I do thank you very very much
09/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33993
Web
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
10/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Report provided to employer without your written authorization
  • NC
  • 28269
Web
I have lived in North Carolina for XXXX years and have had absolutely no interaction, live or online with XXXX XXXX of XXXX Wisconsin in all of that time. They have no reason at all to check my credit and I did not give them permission for any reason to check my credit report. The following information is directly from my most recent XXXX credit report That I requested today XX/XX/2022. XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX WI XXXX ( XXXX ) XXXX
06/01/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 20735
Web
I am a victim of identity fraud. I did NOT open a credit card account with Montgomery Ward. I was able to find out that the purchase which was made in the amount of {$320.00} was perfume which was sent to an address somewhere in Ohio. Please assist me in getting this off my credit report. My credit score has dropped from a score of over 700 points to the low XXXX points as a direct result of this fraudulent account. I have since place 'freezes ' with all 3 credit bureaus.
07/18/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 207XX
Web Servicemember
XXXX XXXX placed a charge off account on my credit bureau files. They did not advise me of my rights to dispute such debt. XXXX XXXX is advising that the last payment they received was for XX/XX/XXXX . They did not charge off the debt until XX/XX/XXXX . Per the FDCA this account should have been charged off 180 days from the first delinquency. They did not charge the debt off until 360 days after the time frame that they are claiming the last payment was made.
02/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 492XX
Web
I sent them a debt dispute letter. Aaking them to validate the account. They sent me a letter stating that if I feel I have been a victim of identity theft to fill out a form with them. I wrote them back certified mail and tild them that was not the case and that they should have read my letter. I waited the allotted time for them to respond and they have not. I have tried to upload all supporting documents but it will not allow me. Please contact me for the documents.
07/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33604
Web
THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
10/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NV
  • 89108
Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. XXXX XXXX XXXX Balance {$360.00}
05/09/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • CA
  • 90266
Web
I purchased a dress from Ashro in XX/XX/2022. The Item was not as described, the color was not as described, the sizing was off, the material didnt match the picture. I returned the item. Ashro took the return, and turned around and charged me for the shipping. This company sent me merchandise that was not as advertised. Now they have put this charge as a negative on my credit. I want this removed from my credit due to product not being as pictured or described.
02/13/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01702
Web
Theres an account on my credit report that isnt mine, I need this account verified or deleted from my credit report. I want this company to provide me with the original contract bearing my signature, where it shows that I agreed to pay them anything. This account is now a charge off and it is affecting my credit really bad, I want the company to tell the credit bureaus to delete this account from my credit report. The balance on this account is {$43.00} dollars.
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
  • AZ
  • 85035
Web
In accordance with the fair credit Reporting act XXXX Account Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
09/29/2023 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
  • MA
  • 02118
Web
I tried disputing through all the credit reporting agencies and they were told by the creditor XXXX XXXX the debt was verified. I tried contacting them XXXXXXXX XXXX for info about the debt and they wouldnt give me any and eventually hung up on me. I just noticed this on my reports and it was closed and charged off in XXXX. Because I have no idea what the debt was I disputed it and my score dropped almost a XXXX points just for asking for info about the debt.
08/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • DE
  • 19973
Web
XXXX XXXX said I had made purchases. Was not my address not my email or phone number. To get it removed the said if I paid it they would remove derogatory remarks from my report. I filed disputes with all credit reporting agencies. They said its accurate. I called XXXX XXXX again. I said you said if o paid this you would remove from my credit report as a paid after charge off. They said no you shouldnt have paid it but since you did we are leaving it as it is
08/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60048
Web Servicemember
I contacted the credit bureau in XXXX for them to dispute the account XXXX on my credit report. They sent me an updated credit report only to say that the company reported the account as accurate. I then received a letter from XXXX advising that they sent a notice to the credit bureaus to remove the account as fraudulent. However the account is still being reported on my credit report. The balance show $XXXX, I am attaching a copy of the letter from XXXX.
07/15/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • XXXXX
Web
I opened an account with online retailer XXXX XXXX inXX/XX/XXXX. I paid my bills monthly. In XX/XX/XXXX-XX/XX/XXXX I ordered XXXX decorations. The items were of poor quality so I paid for the return. Multiple customer service representative verified the return but stated all items were not in the package. I wrote multiple letters asking them to check their warehouse and the post office because it was returned. They refuse to give remove the collection item.
05/22/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 20874
Web
In XXXX I was going through hardship because my income decreased I applied for hardship with XXXX XXXX. They approved me in XX/XX/2023 to make payments of {$22.00}, I have been making payments however the monthly payments have increased to {$67.00}. I called XXXX XXXX and told them I was in your hardship program and why you are you increasing my monthly payments. They told me to keep paying {$22.00} however the monthly payments increased and late charges.
11/08/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 021XX
Web
I found 3 Montgomery Ward accounts opened in my name all 3 with different account numbers for Montgomery Ward and opened on the same day XX/XX/XXXX with a balance of {$280.00}. I contacted Montgomery Ward and they informed me they do not have these 3 accounts on file under my name. I also contacted XXXX, they informed me to file with the FTC for fraud. I contacted Montgomery ward and I also contacted all three credit bureaus early last week of XX/XX/XXXX.
05/14/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 216XX
Web
A company called XXXX XXXX has a negative report on my credit report, and this is from an identity theft that happened to me last year. I filed a police report, and everything was removed from my credit report except this company will not remove this. I have never worked with this company before, and they have not sent me any paperwork showing that this debt belongs to me. I had someone open accounts using my name and information and this is from that.
03/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19454
Web
Card issuer received confirmation of payment in full from credit collection agency. Card issuer representatives provided inaccurate/false information re update to provided to credit bureau. Account is paid. It is not " in collections '' as reported by card issuer. The card issuer appears to send updates ( " in collections ) to credit bureaus that have negatively impacted my credit file. The updates that reflect negative status are no longer accurate.
02/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • DC
  • 20003
Web
I challenged some information on my credit report, which the creditor is listing as a charge off. I have documents that prove I paid off the account in full, and when I filed a dispute, the creditor not only kept the erroneous information on my record, but that information resulted in a drop in my credit score. I had a credit score of XXXX ; it is now XXXX after the dispute was filed, so I am also alleging retaliation for the dispute by the creditor.
02/19/2021 No
  • Credit card or prepaid card
  • Store credit card
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • OK
  • 741XX
Web
Swiss Colony/XXXX XXXX state that they, Swiss Colony, report to the three credit bureaus. I have in my hand a copy of a XXXX credit file ; Swiss Colony nor XXXX XXXX accounts are reflected in the credit file. Swiss Colony previously stated to CFPB that they are reporting Swiss Colony/XXXX XXXX accounts to the credit bureaus. My Swiss Colony/XXXX XXXX accounts are not being reported to the three major credit bureaus. Accounts are in good standing.
10/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AR
  • 721XX
Web
So this is an old account but it has a lot of inaccuracies that will require it to be reported correctly and marked as good or deleted permanently from my report First XXXX has 1 reported date as good and a line of gray are thats nothing this is enough to delete this item Secondly XXXX has 1 ok mark and rest blank that is enough to delete this item Thirdly XXXX has 2 ok marks and gray areas Dates on all 3 are inconsistent thats enough to delete
10/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AR
  • 721XX
Web
So this is an old account but it has a lot of inaccuracies that will require it to be reported correctly and marked as good or deleted permanently from my report First XXXX has 1 reported date as good and a line of gray are thats nothing this is enough to delete this item Secondly XXXX has 1 ok mark and rest blank that is enough to delete this item Thirdly XXXX has 2 ok marks and gray areas Dates on all 3 are inconsistent thats enough to delete
06/26/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • TX
  • 75115
Web
XXXX was contacted regarding my current credit report to see if items can be removed. This was when I was told that even when a bankruptcy is filed, the items still can report. however, some items should not have been on my report even prior to reporting. I was told that cause it was included on my bankruptcy that it couldn't be removed even though the item should have already reached the 7 year limit before bankruptcy. Agencies XXXX, and XXXX
07/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 380XX
Web
Earlier this year I checked my credit profiles and noticed a XXXX XXXX credit card on there that was supposedly opened in XXXX. Ive never had a XXXX XXXX credit card. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.
02/12/2019 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02301
Web
XXXX XXXX is reporting on my XXXX, XXXX , & XXXX credit reports that I owe them {$150.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are the even licensed to collect on a so called debt?
11/16/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AZ
  • 85029
Web
GINNYS - I have paid this account over two years ago and asked the credit bureau XXXX to remove it from my credit file. And XXXX will not remove the account. Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount Original loan amount Monthly payment Paid
01/25/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10303
Web
XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
09/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 20147
Web
I am filing this complaint because Swiss Colony has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you
07/29/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48504
Web
I just last month got a order to come to court. For a XXXX XXXX credit card. That up to know did not know about. But they say they been collecting on it for 10 years. I looked on my credit report and it's not on there. Plus I never received anything from them. They sent all notices to address I have not lived at in years. When asked for information about when the card was opened address it was sent to they can not give me that information.
07/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 338XX
Web
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70056
Web
In accordance with the Fair Credit Reporting Act, Monroe & Main Acct # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open an end consumer credit plan as late for any purpose
12/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33409
Web
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
12/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10303
Web
XXXX has been non-compliant with removing the unverified account XXXX & XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX & XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
04/10/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33596
Web Servicemember
I called them many times about fraud on my credit report and they still refuse to take those inquiries of my credit than I have an account on my credit report does n't belong to me got a letter from them ( Montgomery wards ) stating that they could not identify the account in dispute and XXXX is still not removing it from my report even I have a letter from the account stating that they can not identify the information on the account
10/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33155
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.
09/22/2023 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
  • FL
  • 33607
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.
09/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75134
Web Servicemember
i have contacted this company once i notice a negative remark on CR company has took no furhter actions on trying to assist me with this matter i have dipusted it company continues to call everyday and send invoices to family address i tired 1 last time reaching out to have them stop contacting me on XX/XX/21 @ XXXX i was adviced that calls will continue so basically i will continue to be harrassed regarding a debt that is not mine
05/23/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94546
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
02/27/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unexpected or other fees
  • IL
  • 60632
Web Older American
My balance with this Company was {$270.00}, I paid {$30.00} payment on XXXX this Company hasnt apply this payment. My balance should be {$240.00} after payment, I dont want to waste my time calling and nothing is being done. Most likely I will be closing this account dont have time to XX/XX/XXXX anyone to do their job. My account # XXXX. Can you please take care of this for me please Im XXXX yrs of age and dont have time for this.
01/17/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 272XX
Web
Account was opened XXXX with Ginny 's. The account is using a Florida address that showed up on my credit report. I did not open this account and do not live in Florida. This fraud account shows I owe XXXX and that I am XXXX payments behind. It has negatively impacted my credit score. I want the fraud account closed and have this wrong information removed from my credit report. Have tried calling Ginny 's and they are of no help.
01/06/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95355
Web Servicemember
My name is XXXX XXXX XXXX and on XXXX XXXX a credit card was opened with creditor XXXX XXXX or Swiss Colony XXXX. This inquiry was fraud on my credit report because I never authorized this account to be processed. I want to dispute this because it messed up my credit score and I just purchased my home and i dont want to lose my home because of a fraudulent inquiry. The credit card limit was XXXX and the reported balance was XXXX
09/04/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • DE
  • 19977
Web
I am receiving double jeopardy on a Midnight Velvet account I had. Midnight Velvet is reporting the balance. They sent it to XXXX and XXXX and THEY are reporting the balance ... it subsequently was sent to XXXX and THEY are reporting the balance. XXXX collection balances reporting on my bureaus for XXXX ACCOUNT. This is a violation of federal law. I have disputed this with all XXXX bureaus and they left the balances on my files
04/25/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • FL
  • 33781
Web
Seventh avenue catalogue order account is reporting that my account with them is XXXX payments behind and I have been making payments for months. Because of their consistent revolving dates of inconsistent payments I am suffering credit accuracy in all of my credit reports due to the continuous reporting from Seventh Avenue catalogue. I am filing a complaint as to the accuracy, prejudice I really believe is behind the reporting.
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 750XX
Web
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 750XX
Web
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 761XX
Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the Fight to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written nstructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 238XX
Web
In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
04/04/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • VA
  • 23608
Web
About month ago I got a notification from XXXX XXXX asking if an account was correct. An account was opened for a XXXX credit card and was late making payments. Account limit was about {$400.00} but only {$290.00} was actually used. Account was opened in XX/XX/XXXX. I dsputed account with XXXX XXXX and it was removed, but I also contacted XXXX, they sent me a letter how to properly dispute account which brought me to this site.
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 94607
Web
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70056
Web
In accordnce with the fair Credit Reporting Act, Ashro Acct # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
03/18/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • DC
  • 20003
Web
Colony , Inc, owns XXXX XXXX XXXX, and XXXX XXXX. They switched the names on the accounts, so they could retaliate by reporting erroneous information. I provided the documentation that shows the accounts are paid in full and they keep reporting they are delinquent and charged off. They refused my offer to pay, but I paid anyway and they kept the payments. They can not keep the payments and continue to report wrong information.
01/06/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
07/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • AZ
  • XXXXX
Web Older American
I am a victim of fraud. In 2018 I was contacted by the state of California that my social security number had been compromised. Someone had used my social security for employment, credit cards etc. I had consolidated my debt with XXXX XXXX XXXX contact Midnight Velvet for payment. They never completed the payment. I did not know Midnight Velvet had me down as a collection. Please remove all information from my credit report.
02/08/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
03/19/2020 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 60617
Web
The complaint is with credit company XXXX XXXX and ginnys I was on a hardship payment program due to XXXX the acco3has been put on credit bureau as a charge off i notified the company just completed XXXX XXXX and they said that the hardship had been cancelled if they needed to follow up with doctor they could have done so didn't receive any notifications that the hardship program stopped and notifications of a charge off
05/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70056
Web
In accordance with the Fair Credit Reporting Act, Montgomery Wards Acct # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/30/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 238XX
Web
Company failed after several written request to provide validation of alleged debt. The opening dates are reporting as two separate dates on my cedit file which are innacuate. Under the Fair Credit Reporting Act if they fail to validate in a timley manner they must delete and remove. They failed to communicate after numerous written notifications were sent out. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
04/19/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 328XX
Web Servicemember
XXXX XXXX reported a debt ( {$140.00} ) to my credit report as an unpaid debt - chargeoff/write off. It has negatively effected my credit. I have never done business with this company, nor have I ever heard of them prior to when I tried to fix my credit. I learned about this erroneous notation on approximately XX/XX/2017, i hired a credit repair company to dispute this entry and have it removed but they will not budge.
11/30/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32839
Web Servicemember
I continuously requesting proof an agreement was entered with the collector. I requested a thoroughly investigation from all the XXXX credits bureau to provide me proof on how the debt was incurred and sign promissory contract was enter I have not received any of that instead an investigation was done and it stated " This item belongs to you '' This is not an acceptable investigation. XXXX XXXX balance Owed {$430.00}
10/27/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NJ
  • 070XX
Web
I the consumer had a general purpose credit card from Ginny 's I dispute the balance because of billing error and requested to have an open end credit plain. They sent me a letter in the mail using abusive practices threatening to effect my credit report/score. I never gave Ginny 's written or verbal consent to report my business with any credit bureau or reporting agencies. They Ginny 's Violated the FCRA Hjr 192
02/03/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 95116
Web Older American, Servicemember
Incorrect information on my credit reports Such as XXXX XXXX I believe you help me over a year ago with this they had sent me a letter tell me they're going to remove it and never did I contacted them again and it could be another 30 days you just been a run around with them back and forth including wrong information on my credit reports from all three agencies it is impossible to get any credit car loans anything
07/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 27534
Web Older American, Servicemember
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/04/2021 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
  • PA
  • XXXXX
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on XXXXXXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
05/08/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77063
Web
I received a debt notification through mail on XXXX / XXXX / XXXX of {$22.00}. I contacted Montgomery Ward through email on XXXX / XXXX / XXXX and they notified me on XXXX / XXXX / XXXX that the item had been returned and that it would reflect it in the next cycle but avoided the charges implemented. To this day I have not received a letter or email that explains the charges of {$22.00} implemented.
08/26/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 63119
Web
I have been the victim of identity theft. Seventh Avenue has been sending invoices for months on an account that I never created. Now they have reported my account as delinquent to the credit reporting agencies. This company Seventh Avenue is running a phishing scam. Now my credit is severely compromised. Ive had a score of well above 800 for more than a decade. Now its dropped by XXXX XXXX due to this incident.
05/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01852
Web
XXXX XXXX balance {$110.00}, XXXX # XXXX ... XXXX # CLOSED DATE XX/XX/21, ... .IN ACCORDANCE with the fair credit reporting act convergent #! has violated my rights,15 U.S.C.1618 section 602A states that i have the right to privacy ... ..15U.S.C.1618 section604A section2 ; also statesa consumer reporting agenceycanotfurnishan account with out wriiten consent and/or instructruction... and they've been given NONE
03/10/2017 No
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • IN
  • 46324
Web
This account is appearing on my credit report along with XXXX others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.
03/10/2017 No
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • IN
  • 46324
Web
This account is appearing on my credit report along with XXXX others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.
09/14/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • LA
  • 707XX
Web
After asking to stop these credit cards because i no longer need them and it was agreed and the interest began to grow after paid up. I have asked them several time to cancel. After getting my credit reports from all beaus i noticed they have been placed in collection. I am asking for them to be removed and delected from all XXXX credit bureaus immediately. I have been desputeing these item over and over again.
07/03/2020 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 641XX
Web
I have contacted this company multiple times, and sent in my ID Theft Affidavits as requested, but they still refuse to investigate and remove this item from my credit report. This is disgraceful as it has been on my report for a few years now even though I never ordered anything from them. I have a notation on my credit report from 2017 showing that I was a victim of ID theft and this needs to be removed ASAP
09/08/2023 Yes
  • Credit card
  • Store credit card
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • CA
  • 92545
Web
This is a mail order magazine i never applied for. My information has been breached on more than 1 time. I did everything to inform company i never applied nor ordered from them. I provided notorized documents showing i have not lived at address where merchandise sent nor do i know the individual in question. They have destroyed my credit over this & refuse to remove derogatory payments & account from my trw.
12/15/2018 No
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 152XX
Web
I contact them numerous time to correct the inaccuracies that are on my credit report. I contacted the 3 major credit bureaus to dispute these inaccuracies. They keep placing new negative notations on this account monthly. This account is actively being disputed and had been being disputed nonstop since XX/XX/XXXX. They failed to provide me any verification documents. They keep ignoring my requests.
11/14/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 94601
Web
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
03/10/2017 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IN
  • 60466
Web
This account is appearing on my credit report along with 2 others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.
08/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 76227
Web
Account (. ), has violated my rights. 15U.S.C.1681 section 602. A.States that I have the right to privacy.15U.S.C.1681Section604 A. Section2 : it also states consumers. Reporting agency can not Furnish account without you want me to go without my written instructions.15 U.S.C. 1666B : a creditor may not treat a payment on a credit credit account under an open and consumer Credit plan as late for any reason.
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14211
Web
XX/XX/22 CFPB COMPLAINT THIS SEVENTH AVENUE WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON XXXX AND XXXX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX
03/09/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IN
  • 465XX
Web
someone opened a charge card with XXXX XXXX and i only use my bank only i got letter telling me to come here again to fill out form and have notorized cant find theform this page is not user friendly they want a police report but police wont do anything we been down this road before why we put security on our bank accounts and looks like we notgetting help now being told tofill forms out that not available
04/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • NJ
  • 08360
Web
I have been checking my credit report more recently, things are not adding up!! I have sent emails to the companies to try and get more info and they respond with, information not adding up!!! {$500.00} later, still no answer or response to my inquiry. Not adding up!!! I truly do believe my ex girlfriend orders or apply to things in my name, usingyl my s.s.i numbers and trys forging my name. Thank you
04/20/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AR
  • 717XX
Web Older American
XX/XX/2023 bill for {$12.00} which was XXXX out XXXX XXXX. Bill XX/XX/2023 saying we can be forgetful send {$12.00} to bring account up to date. This is all due to a cancellation of my order as they couldn't send persihables to a po box . I never got any product from them and have been calling, writing to them. I XX/XX/2023 the girl said the account was taken care of and now I have two bills from them.
05/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 757XX
Web Older American
To whom it may concern, i sent a dispute letter on XX/XX/2023. My tracking number is XXXX. This letter was to remove some inaccurate accounts that do not, an has never belonged to me, enclosed was a letter of verification, an FTC report, along with my correct identification. When they came back verified, they never gave me reasons they used to do so. I am exercising my rights under code 15 U.S.C 1692g
12/19/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85006
Web
My social security number is XXXX. Since 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$150.00}. I appreciate XXXX XXXX and Swiss Colony accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
02/11/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • SC
  • 29926
Web
Someone know my last digit social society number I got a mail in where someone try to put something in my name I have call these company and let them know I have not place no order. I don't know if this person got a credit card in my name the ending of the card is XXXX I don't know who the credit card that is. I have seen on my credit report look like someone try to get a loan I have not apply for.
10/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 121XX
Web
I order a product from XXXX XXXX {$39.00}. When the product arrived it looked cheap so I returned the item. A month later I get a bill for the item. I called the company and ask if they received the item and they said yes. I said then what am I getting billed for and she said restocking charge.This has been on my credit report for two years and needs to come off because I dont owe them anything.
07/07/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TN
  • 37363
Web
Seventh Avenue company from XXXX WI claims I owe their company XXXX this debt appears on my credit report. I have contacted the company by phone, email and letters but to no avail. They asked I complete a FTC identity theft form but my identy was not stolen. I am asking that this debt be removed from my credit reports as it is not mine. I sent a letter months ago that they have not responded to.
11/15/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 604XX
Web
I received a credit card statement from XXXX XXXX with a balance of {$860.00}. I did not open a credit card account with XXXX XXXX. I have never had a credit card with XXXX XXXX. I believe I am a victim of fraud! I called XXXX XXXX this morning as was told to file a complaint with FTC. XXXX XXXX stated filing a complaint is the process I need to go through to rectify the situation. Please help!
06/23/2019 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 216XX
Web
A company called XXXX XXXX has on my credit report that I owe them money, but they will not produce paperwork, nor will they give me the amount. I had identity theft the last 2 years, and this is part of that. I filed a police report, and I tried to speak to them, but they show nothing in my name. It is against the law if they do not show paperwork, and it must be removed from my credit report.
02/28/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28025
Web
XXXX XXXX has been contacted on several occasions. They have failed to provide me with documentation bearing my signature so that I can validate that this account is indeed mine. They are reporting negative information and it is damaging my credit score. They have completely ignored all correspondence that I've sent. I am demanding for this account to be removed from my credit file immediately.
07/07/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77506
Web
The Montgomery reward account was closed in XXXX and I had somebody that was working on my credit. They reopened it again and decided to add more funds to this account. I feel I should not have to pay XXXX because that is what I was approved for. And now its passed due in XXXX they added more money to the account and said it was someone elses account. Please I just want it off my credit report
01/11/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75218
Web
I reached out to this company to dispute this alleged debt. Over two months ago and STILL HAVEN'T received a response. Although I did notice they signed for it because it was sent through USPS Post Office certified mail. They have placed a debt as a charge off on my credit and are using deceptive business practices because they're ignoring my dispute! I disputed this account under Section 809.
03/01/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28269
Web
I have been trying to discuss with XXXX XXXX that this account is not mine. I asked for proof of the debt they sent me a pay history with no names attached only dates and the address listed is not my address. I have tried several times to advise a rep, who tells me i must pay and very rude might I say. Now is on my credit report and I am not attached to this debt any other way at all. Thanks
06/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • TX
  • 75501
Web
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. MONTGOMERY WARD Account # XXXX Date opened - XX/XX/20
10/29/2015 Yes
  • Credit card
  • Closing/Cancelling account
  • TX
  • XXXXX
Web
Open a charge account with XXXX ward back in XX/XX/XXXX.I have used the account in the past and paid the entire balance.However, upon realizing that such account was n't been reported to any of the corresponding agencies. I decided to close the account.In such case I contacted XXXX ward back in XX/XX/XXXX and asked that they close the account. However, XXXX ward has kept the account open.
11/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32907
Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SWISS COLONY / XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
04/11/2019 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28025
Web
I filed a XXXX complaint against XXXX XXXX on XX/XX/2019. They responded and stated that the account will be removed from my credit file. I received a recent credit report and the account is still reporting negatively. I am asking if and when the account will be removed from my credit file. **I have attached a copy of the XXXX report showing that XXXX XXXX agreed to remove the account**
05/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MA
  • 01852
Web
XXXX, XXXX # XXXX, ... date ; XX/XX/22 ( collection ) ... .in accordance with the fair credit reporting act XXXX XXXX has violated my rightt!, ..15 U.S.C.1618 section602A states that i have the right to privacy ... ..15 U.S.C.1618 section604A section2 also states that a consumer reporting agencycan NOTfurnish an account with out my consent and/or instruction and they've obtained niether!
10/17/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89431
Web
XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
10/16/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NV
  • 89431
Web
XXXX XXXX is reportinig inaccurately on my credit report. This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
08/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77036
Web
this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX # XXXX.
03/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • XXXXX
Web
I have disputed charge with XX/XX/XXXXseveral times, alerting that the account does not belong to me, within 5 hours the credit bureau states the account was verified by creditor. I contacted the creditor directly, spoke with Ms XXXX XXXX, agent states the wrong address and could not pull any shipment information. I don't understand why the creditor is reporting fraudulent information.
08/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 287XX
Web
My mother in law ordered a gift for my birthday from the tender filet website on XX/XX/22. She accidentally put my name and address in the to be billed section. The Tender filet company did a hard inquiry on my credit. My mother in law called the company and had them cancel the order. The way I found out about the hard inquiry was from XXXX XXXX. They sent me the alert today. XX/XX/22
04/30/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Can't close your account
  • MN
  • 55343
Web Servicemember
I sent Seventh Avenue a Federal Trade Commission Identity theft report in regards to a fraudulent Seventh Avenue Account # : XXXX opened up in my name and the fraudulent account is listed on my XXXX and XXXX credit report. The Seventh Avenue Account is a fraudulent account and isnt my account. I never applied for the Seventh Avenue Account. The account is the result of identity theft.
08/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77036
Web
this debt was fraudulently opened and I have try to get it deleted, I finally got it deleted from XXXX on XX/XX/2017 and it still showing on my other report like XXXX, XXXX, and the amount is XXXX. Please can you resolved this. I have always dispute with your company and things get done. I thank you in advanced. This is their address XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Tel # XXXX.
05/19/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MD
  • 207XX
Web Servicemember
XXXX XXXX reported an account to the credit bureaus without advising that they planned to do so or providing me an opportunity to dispute the debt. I did not receive notification from XXXX XXXX prior to reporting a charge off to my credit report. XXXX XXXX is not in compliance with the FCRA and other guidelines with reporting information on an individuals credit report.
12/27/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 408XX
Web
XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.
12/27/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 408XX
Web
XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.
08/04/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • UT
  • 84096
Web
I received a notification from my credit monitoring service that an inquiry into my credit had been initiated by this company. I have never used this company, nor have I submitted an application for credit with them. I would like to have the inquiry removed from my credit report as well as any information that was submitted associated with my identity removed from their records.
06/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 356XX
Web
Got a bill from Montgomery ward saying I owed them XXXX account number XXXX I did not buy anything from them but they keep sending me bills and now have sent me to a collections company I never ordered anything from them they have never called me for anything just keep getting letters in the mail I've called them about the they said report identity fraud so that's what I'm doing
04/20/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AR
  • 723XX
Web
Applied for Mortgage loan, and noticed this account on my report. Attempted to contact the listed creditor name ( XXXX ), who informed me that this account now belongs to XXXX XXXX XXXX XXXX, and to contact them at XXXX. Ive never received any notices from either XXXX nor XXXX XXXX XXXX XXXX about any accounts nor do I recognize this account. This account does not belong to me.
11/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KS
  • 66441
Web Servicemember
Seventh Avenues card {$280.00} Montgomery ward card XXXX These accounts were opened in XXXX when I was XXXX XXXX in the military. I did not open these accounts and I did not make any charges I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I had no idea these accounts were in my name until XX/XX/XXXX. I would like for these accounts to be removed from my credit report.
01/18/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27804
Web
Back in 2013 I had notice tha XXXX XXXX was on my credit report.., I contacted them and explained to them that this account is fraudulent and should not be on my credit report .. I sent ten copies of my police report also.. and the rep told me that it will be remove off my credit report ... this account needs to be removed off my account I have never had a XXXX XXXX account
11/23/2015 Yes
  • Credit card
  • Billing disputes
  • IL
  • 606XX
Web Older American
I got the information from credit report and was upset because I had tried to make payment arrangements with them, but they refused to accept arrangements and did not respond. I do n't feel that was fair as I offered what I could and they never, ever responded. When I would go to the automatic teller, it would get my information ; then reject it. I tried this several times.
10/01/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11580
Web
I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX police report attach.
12/13/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OR
  • 97304
Web
Received a statement via USPS for balance due on a Montgomery Ward credit card ( Account # XXXX ) that I did not open and did not authorize to be opened. Contacted the company after filing IdentityTheft.gov report and requested that account be closed. Account is still open and while it looks like no other charges can be made, it should a balance due still of {$240.00}.
11/18/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TN
  • 38301
Web
I been disputing this company i never heard of they keep reporting as charged off everytime XXXX removed it they reported it back i even call this company they had my name spell wrong i advised them i never heard of this company i stay in a duplex with the same address we how to put. Right or left on our addres. This company name XXXX XXXX XXXXXXXX XXXX XXXX XXXX wi XXXX
05/24/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32746
Web
I dont have any knowledge of this account and tried repeatedly to notify them. Its been years and this account is still showing on one of my credit report. This acount was deleted from two credit reporting agencies due to the fact that it was opened without my knowledge and consent and was found to be a fraud from years ago ; however, they are still reporting to my XXXX.
03/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 78550
Web
This company received their merchandise back further mire it is a violation of FCRA to continue to report a debt in a consumers credit report more than 7 years. Even if the account was legitimately owed the date of last payment was XX/XX/XXXX. The account would have gone into delinquency and would be purged in XXXX. This is repeated reporting as delinquent is not legal.
01/18/2017 No
  • Consumer Loan
  • Installment loan
  • Taking out the loan or lease
  • LA
  • 70809
Web
Seventh Avenue is listed on all XXXX credit reports and I did not apply for this account. I have contacted the company several times to try and resolve this issue. I have also request validation of debt which should be a signed contract with my signature. Please do not respond with bills or print outs that is not validation that this account was opened by me. Thank You.
09/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19135
Web
I'm having difficulty finding housing and an agent told me that having a Charge Off on my report is why. I assured him I havent any. Apparently, when I contacted Ginny 's Catalog in XX/XX/2017 and paid off my outstanding bill AFTER Ginny 's expressly assuring me that in exchange for settling the account, They'd remove it from my credit report. They lied, Its on all 3.
05/05/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29414
Web
XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.
05/05/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29414
Web
XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX Updated XX/XX/XXXX I have tried to contact both of these companies in reference to fraud. I have never opened or used either of these accounts. When speaking with Customer Service, she updated my personal information that I used to verify who I was. The crediting report agencies will not remove.
04/18/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30058
Web
I have contacted XXXX & XXXX several times provided all of my information and was told that I was not in their system, however, the keep reporting on my credit, I have requested sign documents if they have an account and have not received any documents from this company. You are reporting on my credit incorrectly, You have been informed of this several times by me.
12/08/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • OH
  • 44111
Web
My Card Was Used Without My Consent in XXXX of 2019 Now This information Shows up on my Credit report as negative And its hurting my credit score the amount charged Was For {$260.00} i Paid of the amount owed but the information still shows up on my credit report and its hurting my credit score i want it gone because i did not make the purchase in the first place
12/21/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 95206
Web
i XX/XX/XXXX5 26 accounts open through fraud. Two accounts still open and in dispute. The accounts were reported to credit agencies and ftc. Personally called open accounts and filed a dispute. They refuse to offer a letter to lender to say these are not my accounts. We are in an offer to by a home. the rate is at XXXX instead of XXXX because of this fraud
06/30/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • VA
  • 241XX
Web
XXXX XXXX has an account on my credit file for a charge off of XXXX . This. Account has since been sold to XXXX XXXX XXXX XXXX XXXX who is collecting the debt and threatinf to report to the Credit Bureau. I want XXXX XXXX information removed since they are no longer collecting and I 'm working with XXXX XXXX XXXX XXXX XXXX .
10/22/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • XXXXX
Web
When I had my credit check and found out that this was on my credit and saw the amount and called seven ave to see what I owe and was told I still owe {$200.00} dollars and I said how 's that if I only bought XXXX cameras from you that cost {$99.00} each and I already paid a total of {$150.00} dollars XXXX payment given XXXX of {$50.00} and {$100.00} XXXX.
10/27/2015 Yes
  • Credit card
  • Credit determination
  • PA
  • 186XX
Web Servicemember
I was issued a pre-approved credit limit with Country Door at first through the mail attached to their catalog. When I went to use the store credit, They used VA medical bills on my credit report to determined my credit limit that the VA is responsible to pay, not me, and denied me credit all together. Thus, they discriminated against me as a XXXX Veteran.
01/24/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76018
Web
On XX/XX/2016 I Disputed a request with Montgomery wards Store acct # XXXX that they placed on my credit file no response then request XX/XX/2016 no response I recent another dispute on XX/XX/2016 that they would remove this account from my credit file and yet still have n't heard anything from them so I 'm asking to remove this claim from my credit file.
03/26/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NJ
  • 074XX
Web
XXXX is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.
08/10/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 193XX
Web
Yes XXXX XXXX has been trying to make me pay a debt I was already in contact with XXXX they did not comply with them with what was said to be done for a resolution the account is suppose to be paid of by them upon there error and they are still making the same mistakes hopefully you can get them to settle this account on their own accountance and error
07/05/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • XXXXX
Web
I demand the business remove the hard inquiry against my SSN at any credit reporting agency, including but not limited to XXXX, XXXX, & XXXX. In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly they agree to remove my personal information from all accounts in the companies database.
09/17/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AL
  • 36330
Web
XXXX XXXX and XXXX XXXX is reporting duplicateaccount on my XXXX, XXXX and XXXX Credit reports, The amount owing on the account was {$60.00} not {$220.00}. Have contactedthem several times and they have refused to remove this falseinformation. I have contacted all credit reporting agencies regarding this matter also. Please delete incorrect information.
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • XXXXX
Web
I have tried to be patient with Seventh Avenue. I am a faithful customer and pay my bills on time. I have NEVER been late. I have called them many times, talked to many Supervisors that promised to correct this issue and yet it still is affecting my credit report and scores. I've been denied because of the issue on other credit and vendor accounts.
05/26/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • KS
  • 675XX
Web Older American
Someone opened a fraudulent account in my name. I sent all paperwork requested. Received a letter stating fraudulent account was proven to be fraudulent. The account was to be cleared up in a few months.Now I have received a letter requesting that I send all paperwork again. The company is Montgomery Ward. Please help me. I need to get this cleared up.
06/21/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • AR
  • 72712
Web
XXXX XXXX, XXXX AND COLONY BRANDS ARE VIOATING ALL CONSUMER PROTECTION LAWS, THE BANKRUPTCY XXXX WAS DELETED FROM XXXX AND WAS RE-INSERTED INTO MY CREDIT FILES WITHOUT 5 DAY NOTICE TO CONSUMER THUS VIOLATING THE F.C.R.A. AND XXXX IS ALLOWING CLONY BRANDS REPORT 4 RETAIL ACCOUNTS LISTED IN INSTALLMENT LOAN SECTION BY CHANGING ACCOUNT TYPE. SEE ATTACHED.
07/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 94804
Web
XXXX XXXX is reporting an account on my file that needs to be removed! I have been disputing this account for months. I paid the balance on this account months ago but they continue to report a balance!! Reporting inaccurate information on a credit report can be considered fraud under both federal and state laws. This needs to be removed from my file.
03/23/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22802
Web
I have called and spoke with the creditor on more occasion advising them that this is a fraudulent account. I have asked them to please remove from my credit report. I have also filed a report with the FTC and had to send a motorized letter to them with a copy of FTC report. XXXX XXXX has still refused to remove this account from my name and record.
03/23/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 22802
Web
I have called and spoke with the creditor on more occasion advising them that this is a fraudulent account. I have asked them to please remove from my credit report. I have also filed a report with the FTC and had to send a motorized letter to them with a copy of FTC report. XXXX XXXX has still refused to remove this account from my name and record.
09/19/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MN
  • 55125
Web
Hello, I was out of work for a year. I paid for a service for coverage for this account. They did not honor that coverage. They have now sent my account to a collection agency, without fairly deducting payment hat should have been paid. Therefore, they have ruined my credit and also applied unfeasible. The balance on he account should be much lower.
12/02/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • DC
  • 20001
Web Older American, Servicemember
On XX/XX/2023 I placed an order with a customer service representative at XXXX XXXX for XXXX XXXX Jacket XXXX and the price was {$79.00} and the total price was {$100.00} but I received a message card company that the transaction was unsuccessful and for me to contact the merchant but, when I called back they were closed. They charged me {$100.00}
04/24/2016 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34668
Web
A place called Ginny 's is claiming I owe them about {$300.00}. I contacted the XXXX and the paperwork that they got back it was n't my signature they do n't have my social security number it 's just totally bogus and they 're threatening to put it on Collections and mess my credit up. There has to be someone who can do something about this issue.
08/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WI
  • 53081
Web
Seventh Avenue showing up as a hard inquiry on my XXXX credit report. I was previously advised by XXXX that it would be removed whena prvious complaint was filed in XX/XX/2022 and it was not removed. This is my second compliant. Orginally suspected this was inquiry ( along with others ) were a result of a data breach from another credit bureau.
05/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19124
Web
I have reached out this company on several occasions asking them to validate this accounts information for it is not mines. I've requested this information directly and indirectly to Ginny 's. Dates as follows ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, and countless other dated to the Bureaus. Ginny 's INC Account number ; XXXX
03/12/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 32065
Web
I never ordered from XXXX XXXX or never applied for XXXX XXXX credit or never received items from XXXX XXXX have asked for prof of items purchased from XXXX XXXX and prof the items were purchased by me they have been ask a number of times to provide this prof and have yet to do so by law they must provide this prof or delete from credit report
11/25/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 402XX
Web
Debt needs to remove off of my credit report ... sent in a DEBT VALADATION LETTER TO XXXX XXXX in XXXX 2017. They have not vi the DEBT and this not my DEBT. I have toward all info including letters and certified sign return receipt to all 3 credit bureau and XXXX will not remove it and they have all PROOF that I have mailed XXXX XXXX to vi debt
03/12/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MT
  • XXXXX
Web
There is a company called XXXX XXXX listed on my XXXX credit report as a collection account but I have never received any documentation and I have tried calling the number and i can not understand the people answering the phone, tried to explain that the debt is not mine and they got nasty, so i hung up. It does not list the original creditor
04/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 770XX
Web
I continue to get calls from the following numbers : XXXX ; XXXX ; XXXX all for debt for a " XXXX XXXX. '' I am not XXXX XXXX and I don't know anyone named XXXX XXXX. They also continually text me. I called the XXXX number weeks ago and noted that I am not " XXXX XXXX '' but I continue to get the calls and texts ( multiple calls per day ).
12/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • PA
  • 19320
Web
I am very upset with this issue. I sent a letter to the Creditors and Collections agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
08/07/2020 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
  • MD
  • 21222
Web
I have a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
06/14/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85364
Web
On or about XX/XX/2015 XXXX XXXX reported a debt of XXXX $ that I've never used nor received or did I have a credit card with, on my credit report. Not do I have a letter or receipts or any such contract with. I only learned of this by reviewing my credit report recently. How may have this resolved without paying a debt I never accumulated?
12/17/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • XXXXX
Web Servicemember
There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
05/25/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 44035
Web Servicemember
I sent several letters starting XXXX XXXX , 2017 asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine. I received a letter back were company called my request frivolous and refused to cooperate.
03/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78006
Web
When I had COVID they agreed that the account would not be reported late for XXXX of 2020 failure for this company to correct there promise will result in me taking the full action allowed by the CARES act of the UNITED STATES OF AMERICA and I wil discontinue any future payments until a resolution is decided by the local courts of law
01/28/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27215
Web
Midnight Velvet is placed on my credit as a debt and I DO NOT OWN this acct. I have sent a letter asking for what actions we 're taken to prove this debt was mine and nothing has been received within their 30 day frame. This is a mark with all XXXX credit bureaus and making me look unworthy. This is not my debt and I want it removed.
05/23/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33326
Web
I was victim of an identity theft back in 2019 irecieved many collection letter including the Ginnys acct XXXX, XXXX them I filled all the affidavit forms and sent I different crditos but Ginnys is still showing on my credit report, please do fix the problem as I am aplying for a very important credit and this is affecting my score
03/07/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91202
Web
I am writing to dispute the following information in my credit files under Fair Credit Reporting Act. The items have been on my credit reports for more than XXXX ( XXXX ) years. GINNY 'S INCXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX tell : ( XXXX ) XXXX, Please investigate these matters and delete the disputed item as soon as possible.
07/29/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MO
  • 64131
Web Servicemember
I had a debt with Monroe and Main. The sold it to XXXX XXXX. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM
04/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89117
Web
I spoke to a representative from this company and they stated that they would remove this account from my credit reports if I paid the account off. It has been years and this company has not honored their word. I requested this account be taken off all 3 reports as I was promised by a representative of the company that it would be.
06/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27215
Web
This company has been reporting negatively on my credit report since 2013. I first recognized it about 2 years ago and disputed. The amount showing is {$270.00}. I have disputed item more than once as well as asked for proof of item, how it was ordered, when it was orderd as well as what the item actually was. Received no response.
05/31/2019 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30134
Web
Swiss ColonyXXXX XXXX XXXX XXXX # XXXX {$420.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.
08/25/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IN
  • 46383
Web
I first received a catalog for a company I have never heard of a few weeks before, It was from XXXX XXXX. On XX/XX/2021 I received a notification from XXXX XXXX XXXX XXXX XXXX/Swiss Colony ran my credit and I have a hard credit inquiry. I never ran my credit for anything in the past 4 months. I believe my identity was compromised.
01/28/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called after sent written cease of comm
  • OH
  • 450XX
Web
Received a voicemail from the collection bureau of XXXX attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..
05/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76020
Web Servicemember
I checked my credit score and noticed a change. There was an Montogomery Ward Credit card on my credit report being delinquent. I called the merchant and they check the account with my SSN, name address and said i do not have an account with them. The account that is listed on my credit report is fraudulent. This must be removed.
11/13/2020 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
  • GA
  • 30024
Web Servicemember
This account with SWISS COLONY / XXXX XXXX XXXX, WI XXXX, was disputed and deleted back in XX/XX/2020, for being a non-reportable account. This account was opened as a noncredit reporting and noncredit based account. The creditor keeps reporting this account after it's removed, causing me financial hardship, pain, and suffering.
09/24/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85730
Web Servicemember
This complaint surrounds " Ginny 's '' in XXXX represented by XXXX of XXXX. I simply asked for a document specifying the date of payoff as XX/XX/2023 in the amount of {$590.00}. The aforementioned did comply, but the payoff information is still not updated on my credit report as paid in full. I simply want it updated ASAP.
02/02/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CT
  • 06051
Web
Credit card Ginnys was never late they have been paid in full and still keep calling asking to pu my bill that shows zero dollars owed and even shows on my credit report as zero owed and it says paid late 5 times which is a complete lie Ive never been late ever and since paid it off will never purchase from magazines again ever
03/26/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 94565
Web
I started getting bills from XXXX XXXX. I have no idea who XXXX XXXX is. I wrote and spoke to them advising them I have not ordered anything from them. They have made a derogatory entry on my credit report however they do state I am disputing this charge, that it was identity theft and I have not received any product from them.
07/25/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07522
Web
I have no recollection of doing business with this creditor. I have disputed this account numerous times. After numerous attempts to have the account removed from my report through disputes account continues to be verified and not investigated properly. The Creditor continues to refuse to remove account and re-aged the account.
02/05/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 712XX
Web
I disputed an item on my report because it was paid in full but was not reflecting that payment was made. I contacted the collection agency and explained that the account was paid in full and faxed a letter and receipt from the original creditor stating this. When investigation on dispute was completed it still was not updated.
09/26/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WV
  • 267XX
Web
I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it
09/25/2018 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WV
  • 267XX
Web
I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it
05/31/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30134
Web
XXXX XXXX/ XXXX XXXX XXXX # XXXX {$420.00} Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. XXXX XXXX fail to validate the debt belongs to me. Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.
05/25/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22191
Web
I am filing this complaint because GINNY 'S does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? They still have not complied with the FCBA. They never responded with the documentation requested and required by the FCBA.
05/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AR
  • 72032
Web Older American
I called Montgomery Wards as soon as I recieved a fraudulent bill for a credit card and told them this was not my bill. I have never applied for a Montgomery Wards account nor did I think they were even in business any longer, They continue to send me statements wanting money. They have not done anything but want money.
11/05/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30238
Web
This account was created fraudulently. I never opened this account. I even paid toward the account to get it off my credit file in 2012. They still refused to remove it. Customer service representative did n't care about me not creating this account. They still held me responsible for this account that I did not create.
04/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34109
Web
XXXX XXXX reported a hard inquiry to XXXX on XX/XX/20. I contacted them, they were unable to find any information regarding me applying for credit. I havent applied for any credit for XXXX XXXX or any companies affiliated with them. This isnt the first time a hard inquiry was reported on my credit & it was removed.
05/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NH
  • XXXXX
Web
My husband passed away a few years ago. However, he did assign a credit card to me as an authorized signer. He was the responsible party on the account. Therefore, I respectfully request the removal of my name from the account, and the deletion of any reference to the account on all of my pertinent credit reports.
06/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33809
Web Older American, Servicemember
On my hard inquiries is XXXX XXXX mail order form. I did not do this. I received a TV from XXXX XXXX and did not order it. Checked with company and was told 2 TV was one they way to me. I did not order them. Have a police report and a letter from XXXX XXXX stating the account was opened fraudulently with my name.
08/07/2020 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
  • MD
  • 21222
Web
I have a loan with MONTGOMERYWD, XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
09/04/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21234
Web
Several months ago I was made aware of a XXXX XXXX credit card opened in my name. I finally cleared it up just to find out that it was a XXXX XXXX account in my name from the same company. I have contacted XXXX XXXX several times and they are refusing to accept any information about this fraudulent account.
09/04/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21234
Web
Several months ago I was made aware of a XXXX XXXX credit card opened in my name. I finally cleared it up just to find out that it was a XXXX XXXX account in my name from the same company. I have contacted XXXX XXXX several times and they are refusing to accept any information about this fraudulent account.
09/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32129
Web
XXXX still hasnt updated my XXXX XXXX account I paid this account.this account is well over 10 yrs old I called to get proof from them to show I paid it but because this account is so old it is no longer in the system. The dispute number for this is XXXX on XX/XX/19. This still shows derogatory/ profit loss
05/27/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60637
Web
A Montgomery Ward credit was open fraudulently using my personal information on XX/XX/2022. I did not open this account. I did not authorize opening this account. Please help me to resolve this. This has negatively impacted my credit score that I worked very hard to achieve. Thank you for your assistance.
03/23/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 230XX
Web
XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from XXXX XXXX that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX and XXXX need to be removed also
02/10/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • RI
  • 028XX
Web
I received a bill from XXXX XXXX for a card I never opened. I called and filed a formal complaint. Ive since received three more bills called them again and they had no record of me ever calling the first time. I checked my XXXX XXXX and the account is listed as mine and it made my credit score go down.
01/29/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48237
Web
I have an account reporting on my credit that was included in my Chapter XXXX bankruptcy. I included the account in my bill of matrix when I submitted my court documentation. This account should not be reporting on my credit currently as a derogatory account. The information being reported is incorrect.
07/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • NY
  • 11208
Web
I have previously reported the company by the name of home @ XXXX because there is no way of communication and I have this account on my credit report for several years now the amount that is owed is XXXX and it has had a negative impact on my credit score please look further into investing this manner
02/14/2019 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 230XX
Web
i am writing to u to let this company know i want the XXXX taken off my credit report since they closed it on XXXX XXXX it is XXXX XXXX/XXXX XXXX they closed it and charged it off on XXXX XXXX it is also has the same address as XXXX XXXX i sent a claim too and that claim number is XXXX and one for XXXX
02/22/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Unexpected or other fees
  • GA
  • 307XX
Web Servicemember
I have tried to rectify this situation but all they say is that it is my debt and I have to pay it. The problem is, I have no clue what this is or why its on my credit. I have not received anything from this company ... This needs to be removed from my credit report, I am not responsible for this debt.
02/16/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30122
Web
XXXX XXXX keeps reporing incorrect information after the amount owed has been settled with a collection agency they contracted. I paid XXXX on XX/XX/2020 in the amount of XXXX which was the agreed upon settlement offer. They acted on behalf of XXXX XXXX so this account is paid in full and satisfied.
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 285XX
Web
15 USC 1681 Section 602 States have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer '' furnish an account without my written instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 285XX
Web
15 USC 1681 Section 602 States have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer '' furnish an account without my written instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07304
Web
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO: FCRA 15 USC - 1681b(a)(2) 1681d(a)(1)(A)(B) 1681e(a)(b)(c)(e) FDCPA 15 USC- 1692e(a)(b) THE FOLLOWING INFORMATION ATTACHED IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
07/07/2019 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48214
Web
On XX/XX/19, XX/XX/19 and XX/XX/19, I have attempted to reach out to the credit bureaus as well as the actual creditor for assistance with accounts that are reporting on my credit file in error. I requested method of validation on XX/XX/19 and no response has been received from the credit bureaus.
07/07/2019 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48214
Web Servicemember
On XX/XX/19, XX/XX/19 and XX/XX/19, I have attempted to reach out to the credit bureaus as well as the actual creditor for assistance with accounts that are reporting on my credit file in error. I requested method of validation on XX/XX/19 and no response has been received from the credit bureaus.
08/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11412
Web Servicemember
I sent two certified letters to two different creditors with a 30 day time frame for each letter disputing the negative remarks showing I owe monies to these companies on my credit report and got no response. I also sent a certified letter to the three credit bureaus with no response as of yet.
07/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AR
  • 721XX
Web
XX/XX/23 I submitted a dispute for Ashro company {$430.00} which close my account and sold the loan. I asked them to update my information by taking this info off because loan no longer belong to this company. They reported back to me that I couldnt disputed it again and it wouldnt be removed.
11/17/2015 Yes
  • Credit card
  • Forbearance / Workout plans
  • GA
  • 30117
Web
I have a XXXX XXXX credit card.I faxed them a letter on theXX/XX/2015 at XXXX. asking for a re payment plan.I received a letter on the XX/XX/2015 requesting payment in full on the XX/XX/XXXX.The letter was dated XX/XX/2015.I made a payment on line on the XX/XX/2015 in the amount of {$25.00}.
05/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 604XX
Web
The items I bought was clothing and they were to small they had to be send back Thats the way I wanted it I did not want them to resend a bigger size. I told them that on emails and phi no r calls that were eventually collection calls The clothes were to small and packed and sent back!!!
05/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 604XX
Web
The items I bought was clothing and they were to small they had to be send back Thats the way I wanted it I did not want them to resend a bigger size. I told them that on emails and phi no r calls that were eventually collection calls The clothes were to small and packed and sent back!!!
11/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33068
Web
On the XXXX of XXXX, my credit was pulled without my consent, while I've already had my credit line with them for over a year. This caused a hard inquiry which dropped my score. I called the company ( XXXX ) and gave me a runaround, ultimately advising me to call the bureau to dispute it.
04/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 770XX
Web
I continue to get calls from the following numbers : XXXX all for debt for a " XXXX XXXX. '' I am not XXXX XXXX and I don't know anyone named XXXX XXXX. They also continually text me. I called the number and noted that I am not " XXXX XXXX '' but I continue to get multiple calls per day.
06/04/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 44105
Web
I tried to pay my bill online on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 a message appeared on the screen about my payment. Stating they are having issues even the automed system and representatives stated the wrong amount, information and wanted to charge a fee for their payment services.
09/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07304
Web
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO: FCRA 15 USC - 1681b(a)(2) 1681d(a)(1)(A)(B) 1681e(a)(b)(c)(e) FDCPA 15 USC- 1692e(a)(b) THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
09/10/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • IN
  • 46902
Web
XXXX XXXX was an account that I included in my Chapter XXXX bankruptcy in 2016. Since that time, on several occasions, they have been illegally reporting that I owe a balance on my XXXX credit report. This is not only a violation of the automatic stay, but has hurt my score tremendously.
09/03/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 33137
Web
In XX/XX/2020, they reported to the credit bureau I did not make a payment and I was late. The account was never late, I made the payments. They made a mistake on my account and did not credit a late fee. This was there fault the late fee was finally credited and the account was current.
08/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 11550
Web
I have a loan with XXXX XXXX and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX and XXXX with no successful resolution. There was definitely an error on their part.
05/15/2021 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Getting the loan
  • NV
  • XXXXX
Web Older American
I called them and explained that I had been denied. The company does business with people that have bad credit. Usually the credit score is around XXXX and mine at the time was XXXX. They denied me credit because people are jealous of me and they leaned toward them and denied me credit.
05/02/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • XXXXX
Web
I received my credit file and saw ACCT # XXXX on my credit reports. I sent a letter an ask for VALIDATION and this debt was not VALIDATED it was VERIFIED. This is not what I asked for I would like this account to be DELETED off my credit file for all CREDIT BUREAUS it is reporting to.
11/26/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 276XX
Web
I have tried disputing this debt on numerous occasions saying this isn't my account that I have been a victim of identity fraud. I will fill out any necessary paper work. This is still on my credit report and I haven't received any documentation on how to resolve this with he company.
02/18/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10566
Web
This company XXXX XXXX claims I have an credit account with them, although I have ordered from this company in the past I have never used their credit services, I always paid them with my personal debit account. But they insist that I started an account with them, which I did not.
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AZ
  • 85051
Web
XXXX XXXXXXXX XXXX XXXX OPENED NOT BY ME ANDE NOW IT IS DELIQUIANT FOR XXXX AND I AM DISPUTING IT WITH XXXX XXXXXXXX AND XXXX CREDIT MONITORING ALONG WITH MANY OTHER SUSPISIOUS ACTICTITY REGARDING MORGAGES WITH MY INFORMATION I NEVER OPENED ALSO NEVER IN MY LIFE HAVE I EITHER.
11/30/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 49417
Web Servicemember
I asked them numerous times to verify this debt they claim I supposidly own with my signuture items purchased and all details of this they are reporting as NEW debt when it says collection was open here is what it shows SWISS COLONY / XXXX XXXXXXXX XXXX XXXX XXXX, WI XXXX XXXX
01/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • SC
  • 29205
Web
I have had identity theft. I didn't find out until I was trying to get my stimulus check. That someone claimed me as a dependent and has a house and car in my name I don't have a Ginny account. I don't have a XXXX XXXX acct. Nor have I ever received any loans or credit cards.
10/07/2022 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
  • IL
  • 60619
Web
I HAD A ACCOUNT WITH SWISS XXXX AND PAID IT OFF BUT ITS STILL BEEN ON COLLECT AND CREDIT BREAU WOULD NOT REMOVE AFTER SENDING A LETTER FROM SWISS. ALSO THERE HARD INQUIRIES THAT I DID NOT APPLY FOR AND ASK FOR DELETION FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX
07/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 90063
Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
06/17/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MT
  • 59105
Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
03/13/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28277
Web
Account was paid in a settlement in XX/XX/2021. As of today, the account is still billing as a charge off. XXXX is now reporting as a Charge off and a balance of XXXX .... XXXX is showing a balance of {$650.00} ... when it was paid in XX/XX/2021. XXXX is also reporting.
01/07/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 234XX
Web Older American, Servicemember
when i checked my credit report i found a hard inquiry from XXXX XXXX inquiry dated X-X-2018.. I did not make any kind of report for them ... I did not know XXXX was sitll in business ... could you check this out and let me know what is going on? thank you .XXXX XXXX XXXX
07/17/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OR
  • 97504
Web
Ginnys is an online store. Ginnys, XXXX XXXX, and XXXX XXXX are all 3 the same sister company. XXXX XXXX has sent me a letter saying the account was opened fraudulently. But the other 2 Ginnys and XXXX XXXX wont close theirs even though all 3 are the same account number.
01/05/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 410XX
Web
I have disputed the account multiple times and they keep saying that's is an accurate account. I have never opened any kind of account like that or ever signed anything thru or for this account. I have absolutely no/any kind of knowledge of what the account is even for.
07/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10451
Web
I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.
11/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MO
  • 64093
Web
See attachments. XXXX XXXX, ID theft, FCRA willful violations. Nonconsensual trafficking of my nonpublic information used for defamatory purposes for their monetary gain. Colony Brands has no authority to furnish and is furnishing years past its legal limitations.
01/07/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • XXXXX
Web
Swiss Colony is showing that I owe {$260.00} I have never purchased any thing from Swiss Colony. I have asked them to send me the items purchased and prof it was me who ordered and received the items they say I owe for they said they could give me that information
03/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NH
  • 038XX
Web Older American
I've been receiving for about three years, statements from Montgomery Ward which said that there were charges of {$790.00} on it which I've never made. In fact I've never bought anything at Montgomery Ward. I've engaged XXXX XXXX this year to resolve the problem.
07/18/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • PA
  • 177XX
Web
Today I received an inquiry from swiss colony where I was the receiver and not the buyer, My sister was ordering a gift towel set for me from there but did not use my SSN, just my name and address and somehow swiss colony pulled my credit report instead of hers.
08/09/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37620
Web
I am a victim of identity thief and am not the person responsible for this. I have called the company to have it removed with no good result. I am currently fighting another identity theft of my name. Pleas remove this from my credit report as it is not correct.
08/09/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • AR
  • 723XX
Web Servicemember
THIS IS MY DEBTH WITH XXXX XXXX. THEDEBTH WAS WRITTEN OFF. I DECIDED TO SETTLED FOR LESS THEN THE FULL BALANCE. I PAID THE SETTLE AMOUNT. THE PROBLEM IS THE REMAINING BALANCE KEEP GETTING REPORTED TO THE CREDIT BEREAU AS I STILL OWE. BUT I SETTLED THIS ACCOUNT.
05/31/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • AR
  • 720XX
Web
Yes I recieved a bill from Montgomery Ward saying I had bought a tv for XXXX and it was delivered to my address but I never bought a TV from thrm or did I recieve one nor do I want one and shoild not have to pay for something I dod not order or want or recieve
02/25/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 410XX
Web
Unauthorized credit Inquiries listed on XXXX. XXXX refuses to remove the unauthorized Inquiries. Told me I have to contact them to remove them. I'm a victim of identity theft due to XXXX data hack My information was compromised Someone is using my identity.
02/23/2017 No
  • Credit reporting
  • Credit monitoring or identity protection
  • Receiving unwanted marketing/advertising
  • GA
  • 306XX
Web
HOMEATFIVE : I have never requested a line of credit with this company. I started receiving the catalog which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. Thank you
01/08/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 94544
Web
This account is fraudulent and according to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately. Along with age of the account for removal. Ive reached out to the company and was informed it has closed permanently
07/17/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OR
  • 97504
Web
Montgomery Wards is an online store. Ginnys and XXXX XXXX are all 3 sister companies. Down to the account numbers. XXXX XXXX has sent me a letter stating they found my account was found to be opened fraudulently, but Ginnys and Montgomery Wards do the same.
04/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • XXXXX
Web
I have paid off my account with XXXX, but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX XXXX and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.
01/17/2018 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 32065
Web
I ordered some items from the XXXX XXXX catalogue never received the items I ordered contacted XXXX XXXX letting them know I never received the items then in found they reported it on my credit reports they told me they would take care of it and never did
05/24/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CT
  • 06511
Web
I have reached out to XXXX XXXX, and explained to them I have never had an account with their company. They told me to complete this forma nd they w3ill investigate it. This is affecting my credit and would like it to be removed immediately. -XXXX XXXX
05/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • TX
  • 75070
Web Servicemember
XXXX XXXX accessed my credit with out authorization I disputed account with no know knowledge informing of fraudulent account ... account was than removed off of my credit report and than placed back on bringing my credit score down by hundreds of points
05/10/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76021
Web
I received a notification today that a collection was added to my credit report in the amount of {$240.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
05/10/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76021
Web
I received a notification today that a collection was added to my credit report in the amount of {$240.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
08/29/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CO
  • 80011
Web
I was told by the company in question that when i paid the account in full that they would remove the derogatory account from my credit report with the 3 credit bureaus. I paid the account but they never removed the account from the three credit bureaus.
02/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98607
Web Servicemember
A hard inquiry appears on my XXXX report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07036
Web
I have contacted all 3 credit bureaus and the individual creditors involved in this identity theft with a police report. These accounts are still reporting on my credit and I have received no satisfaction or response regarding this from the creditors.
02/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98607
Web Servicemember
A hard inquiry appears on my XXXX report from XXXX XXXX. This is unauthorized. I filed a dispute with XXXX and they provided me with a contact phone number of XXXX which rings to Colony Brands. I do not do any business with XXXX XXXX or Colony Brands.
05/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 94598
Web
I, XXXX XXXX NEVER APPLIED FOR THIS = CHARGE CARD, FOR XXXX $ THE WEIRD THING THERE IS NO MORE DATA ON THIS FILE = EXCEPT = XXXX # XXXX XXXX XXXX XXXX ACCOUNT # I WOULD LIKE BACK FROM FINANCIAL LOSSES THE AMOUNT OF = XXXX $ DEPOSITED TO MY BANK ASAP,
02/23/2017 No
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • GA
  • 306XX
Web
GINNYS : I have never requested a line of credit with Ginnys. I started receiving the magazine which implied that I had a credit with the company. I 've never ordered nor plan on ordering from them. Please remove this from my credit report. Thank you
01/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WY
  • 82801
Web Older American, Servicemember
I have a balance on my Credit Report from Country Door. I disputed these charges, they state on Credit report Charged Off as bad debt ; Dispute resolved ; reported to grantor. Closed XX/XX/2018. It still remains on my report where it is being marked.
12/22/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60115
Web
They have been asked repeatly for the last 18 months to produce a signed credit appl, a loan repayment or loan document that has my signature they can not because I never signed one removal of account and XXXX damages for failing to comply with FDCRA
01/14/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AZ
  • 857XX
Web
I didnt order anything from this place. Tru to explain to them but was told theres nothing they could do. Its been going on for years and nothing has been done. I want this charge to be out of mu credit history since its a negative impact. Thank You
01/31/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • XXXXX
Web
I had a membership with XXXX XXXX for baked goods and candy delivery to my home. I returned the items they are trying to collect for and do not owe this company but they are still trying to collect and have added this collection to my credit report.
04/07/2017 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36609
Web
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized
09/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 38134
Web
In XX/XX/2021, I paid Ginny 's the balance that I owed. I don't owe them anything now. But they are reporting to the credit bureaus that " I am still late. But paid balance. So I file a complaint but they refused to stop reporting that I am late.
01/08/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WY
  • 82801
Web Older American, Servicemember
I have a balance on my Credit Report from XXXX XXXX. I disputed these charges, they state on Credit report Charged Off as bad debt ; Dispute resolved ; reported to grantor. Closed XX/XX/2018. It still remains on my report where it is being marked.
04/07/2017 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AL
  • 36609
Web
Company was notified that debt was not mine, I requested debt validation and still no response. I never entered a contract with this company. In fact they have XXXX accounts linked with the same account number on my credit report. Its unauthorized
10/07/2015 No
  • Credit card
  • Billing disputes
  • CA
  • 92562
Web
Im being charged for something I never received and have talk to swiss colony several times as well as emails and nobody will help or acknowledge what, where or how I am being charged, but they have no problem putting this on my credit report.
10/06/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19382
Web
I settled this debt directly with XXXX XXXX. I disputed the collection with Monroe and Main explaining that I had previously settled the debt. They continue to report a balance on my credit files in violation of the Fair Credit Reporting Act.
05/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SD
  • 575XX
Web
My XXXX XXXX account shows {$130.00} being owed and its only {$100.00} therefore shouldn't be showing up on my credit report. I attempted to resolve this with XXXX XXXX but they refused to cooperate with me and any resolution to the issue.
11/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19446
Web
I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.
03/08/2017 No
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • MA
  • 01960
Web Servicemember
This credit card was made when I was a minor, I was not aware of this made until years later. I thought I had resolved it when I reported it a two months ago but it continues to affect my credit score and continues to request payments.
05/17/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 43607
Web
In XX/XX/2017 swiss company checked my credit report without my knowledge or authorization. They have an account listed on my credit file and I have asked them to validate the debt that is being reported in which they have not done.
04/14/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29588
Web
I have contacted this company and told them this was not my debt but they will not look up any information all they keep saying is it that there nothing they can do this is an online company I have not received any product from them
03/19/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 230XX
Web
my computer was hacked and i identity was stolen and i never applied to XXXX on XX/XX/XXXX and it is a hard inquiry and its on XXXX and i would like it removed i have no phone number or address for them and i would like it removed
12/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MI
  • 48239
Web
My complaint is with XXXX XXXX. I have a XXXX, revolving line of credit with them that has been established since XXXX of 2020. They have yet to report my positive credit rating to any of the major credit bureau ( s ) as promised.
01/27/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 10039
Web Servicemember
Impacted my life terribly Lawsuit in progress with the supreme of new York. Has violated Federal Credit Laws. Not even my account. I took correct action they tried to steal my social security information when I was really young.
12/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AR
  • 72712
Web
ONCE AGAIN XXXX IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.XXXXOLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY XXXX, AND XXXX, XXXX XXXX.
01/27/2023 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • NY
  • 10039
Web Servicemember
Impacted my life terribly XXXXXXXX XXXX XXXX with the supreme of new York. Has violated Federal Credit Laws. Not even my account. I took correct action they tried to steal my social security information when I was really young.
12/21/2015 Yes
  • Credit card
  • Forbearance / Workout plans
  • GA
  • 30117
Web
I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX/XXXX/2015 requesting a repayment plan. As of today I have not received a letter from them.
05/16/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IN
  • 46311
Web Older American
Received an alert on XXXX about a late payment. Called XXXX and was told that an account was opened on XX/XX/2022 to Montgomery Ward. 60 days late payment ; {$290.00} due. XXXX gave me a phone number for this company ( XXXX ).
12/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AR
  • 72712
Web
ONCE AGAIN XXXX IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.COLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY XXXX, AND XXXX, XXXX XXXX.
12/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AR
  • 72712
Web
ONCE AGAIN XXXX IS THE ONLY BUREAUS INACCURATELY REPORTING 4 RETAIL CREDIT CARDS, NOT INSTATLMENT LOAN TYPE AND THESE 4 ARE OPEN AND NOT IN BK.SEE ATTACHED.COLONY BRANDS/GINNYS NO.XXXX-SWISS COLONY XXXX, AND XXXX, XXXX XXXX.
03/23/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 727XX
Web
XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, GINNYS, XXXX XXXX XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.
03/23/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 727XX
Web
XXXX ONCE AGAIN HAS VIOLATED THE FCRA, FALSELY REPORTING 4 INVALID RETAIL ACCOUNTS BY COLONY BRANDS, XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX. THEY ARE REPORTING THESES IN RETAILATION FOR SUING THEM FOR ROBO CALLINGS CONSUMERS.
07/26/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CT
  • 06516
Web
I have contacted XXXX XXXX Several times. This is not my loan. The address they have on file is for a shopping mall not my home. I have never lived in that town. I want this fraudulent loan removed from my credit report asap.
04/27/2017 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77489
Web
XX/2015 - XXXX XXXX { $290.00} written off and {$240.00} past due. The following agency is not bonded in Tx and can not legally collect debt. Please remove from my credit report and confirm that the debt is not owed.
05/23/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 40291
Web
Swiss Colony claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
04/28/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30058
Web
I GOT BEHIND ON MY PAYMENTS BUT HAVE BEEN MAKING THEM. MY CREDIT REPORT IS STILL SHOWING NO PAYMENTS AND I HAVE MAILED THEM NUMEROUS LETTERS AND CALLED TO HAVE IT CORRECTED. I HAVE BEEN MAKING {$20.00} EVERY PAY PERIOD.
11/02/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DE
  • 19702
Web
There is a fraudulent item reporting on my credit report that colony brands/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or colony brands/ XXXX XXXX informed them yet but its been over a week.
12/28/2016 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30058
Web
I HAVE BEEN PAYING ON THIS ACCOUNT AND IT IS STILL SHOWING NEGATIVELY ON MY ACCOUNT. ACCORDING TO THE BALANCE ON MY CREDIT REPORT I ONLY OWED XXXX. I HAVE PAID THAT BUT WHEN I CALL ABOUT MY ACCOUNT THEY CA N'T FIND IT.
03/04/2017 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • XXXXX
Web
i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.
04/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60804
Web
I do not recall having an account with this creditor. I have tried to get in contact with the creditor with no success. There is a debt on my account which I have not opened. I would like this removed from my report.
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32207
Web
the account was closed and paid offXX/XX/2014 it has a XXXX balance but it still showing and reporting on credit report , I did dispute this and received a letter from the company showing I owed them a XXXX balance
07/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • KY
  • 40229
Web
I had to make a down payment before the item was sent I received the item it was broke I sent the item back have yet to receive any kind of credit and have also made several payments without it showing on my account
08/16/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92011
Web
I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
12/22/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IL
  • 60115
Web
I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.
07/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32505
Web
I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my floc info showing I was incarcerated.. they updated my reported with higher balance
07/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32505
Web
I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my XXXX info showing I was incarcerated.. they updated my reported with higher balance
07/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32505
Web
I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my XXXX info showing I was incarcerated.. they updated my reported with higher balance
02/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • XXXXX
Web
XXXX XXXX is reporting I Owe {$220.00} on my XXXX credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX AND XXXX IF THIS INCORRECT INFORMATION IS NOT REMOVED
04/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 228XX
Web
on my credit report there is an account that is still showing on my credit file that was opened by now ex- husband and the company will not remove it from my credit file ' and the account is over 10 years old
05/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 197XX
Web
Found out through XXXX XXXX there was a credit card account for XXXX XXXX that I knew nothing about. They have complete wrong information. The address, zip code and ssn does not match my information at all.
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 023XX
Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19122
Web
Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
04/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19122
Web
Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4
04/02/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 230XX
Web
i still have XXXX XXXX still on my XXXX credit report and it has been removed from XXXX but never was removed from my XXXX report it was reported as fraud and i would like it taken off my credit report
02/14/2019 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 230XX
Web
i am writing to u to see if we can get XXXX XXXX taken off my credit report since they closed my account on XX/XX/XXXX and they wrote it off and i would like it taken off my credit report it was for XXXX
01/18/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 24012
Web
I have reached out to XXXX a many time to remove there negative reporting on my credit report I was told after I paid my charge off they would remove from my credit report which have not done as promised
07/12/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28314
Web
I lost my job due to not having means to pay account throughout the pandemic I feel behind on payments as well. I have paid out the account. However it says it is active which the account is closed out.
06/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23505
Web Servicemember
XXXX XXXX account has been sent to an outside agency as was told to me by the Rep. But they would not allow for call verification from XXXX. The account is currently with XXXX XXXX Credit Bureau XXXX
05/20/2020 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 130XX
Web
I submitted 3 disputes with the company they got back within one day saying it is my debt when it is not the address is not even the address where I live nor is the phone number mine they have on file
09/27/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89044
Web
There is an unknown item listed through Swiss Colony which I have no idea what this is. Disputed, requested validation and of course nothing received but still is listed on my credit file. Please help
01/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21229
Web
I don't recall that I had a record with these authorities/loan bosses. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.
06/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 23505
Web Servicemember
XXXX XXXX ; Accounts not showing that they are with a outside collection agency. False Reporting XXXX XXXX Acct. Is with =XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/25/2017 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • OH
  • 44641
Web
Swiss Colony apparently sent product to an old home address and items were not received by me but were on my account. Items apparently never returned to Swiss Colony or forwarded to my new addres s.
02/02/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 77077
Web
XXXX XXXX - {$120.00} I CONTACTED THIS COMPANY BACK IN XXXX OF 2020 TO HAVE THIS INACCURUARATE INFORMATION REMOVED FROM MY CREDIT FILE. NO CALL BACK OR RESPONSE BY PHONE OR MAIL FROM THIS COMPANY.
09/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84124
Web
XXXX # XXXX and # XXXX is reporting two charged off collections on my account. However these are past the statute in Utah and I no longer owe this debt. These need to be removed off of my credit.
04/20/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • SC
  • 29640
Web
i did order 3 totes from the company but I never recieved them. I keep getting phone calls and when i called they said it would be took care of. I am not paying for merdinscise i never recieved.
11/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AR
  • 72761
Web
all colony brands tradelines and cards are in collusion with XXXX XXXX AND FACE A CLASS ACTION LAWSUIT FOR FAILING TO UNSUPPRESS OUR CREDIT FILES AND TO RE-INSERT OR DELTE FILES SINCE XX/XX/2015
11/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • AR
  • 72761
Web
all colony brands tradelines and cards are in collusion with XXXX XXXX AND FACE A CLASS ACTION LAWSUIT FOR FAILING TO UNSUPPRESS OUR CREDIT FILES AND TO RE-INSERT OR DELTE FILES SINCE XX/XX/2015
03/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 770XX
Web Older American
XXXX XXXX requested that I file a complaint with your agency in reference to account number : XXXX. Im disputing this account and XXXX XXXX XXXX is also working with me to clear up this matter.
05/08/2018 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 013XX
Web
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 77627
Web
On XX/XX/2015, a account was opened in my name with the company named Ginnys/Colony XXXX I never opened or ordered anything from them and believe it was my ex spouse that opened it in my name.
05/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AZ
  • 85037
Web
Received a bill for {$210.00}. Apparently someone has purchased a bunch of perfume under my name. It was not me. I called the company and they said I need to file a fraud complaint with you.
08/30/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60653
Web
On XX/XX/2018 notice XXXX XXXX balance of {$260.00} stating I owed on my XXXX, XXXX, and XXXX credit report. I requested documents bearing my signature in a letter I sent to the company.
03/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77067
Web
I checked my credit report and i see alot of these inquiry on my credit report that i have no knowledge of any of these and i am a victim of identity fraud and it is on my credit report.
04/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 360XX
Web
XXXX XXXX said that I opened account with them last year which is XXXX I never opened account with them it states I owe them XXXX. I have them send proof that I open account using my SSN
04/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 360XX
Web
XXXX XXXX said that I opened account with them last year which is XXXX I never opened account with them it states I owe them XXXX. I have them send proof that I open account using my SSN
08/01/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • ME
  • 040XX
Web
I receive phone calls from this company every day, or every other, and sometimes more than one call in a single day. I've asked them to stop calling me yet they continue the harassment.
04/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 193XX
Web
Montgomery ward will not take my payment I have made numerous attempts to pay and they are destroying my credit refusing to admit that is was due to system failure on making the payment
08/19/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 14225
Web
This account was never mine! I'm not familiar with this account. I never agreed to anything with this account. I should not be held responsible for this account because it is not mine!
09/09/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AR
  • 727XX
Web
XXXX XXXX keeps ignoring my request to discharge debt as fraudulent debt the charges are fraud related. and stop calling my cell and family cell numbers.FURNISH COLLECTION AGENCY INFO.
09/07/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • AL
  • 36695
Web Servicemember
There is an account for SEVENTH AVENUE that was opened in my name.. It was opened with out my knowledge. I have contacted this company numerous times. I am a victim of identity theft.
02/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • XXXXX
Web Servicemember
my x wife has opened multiple fraudulent accounts in my name. she has opened an account at ginny 's mail order and as such a collection account has been placed on my credit report.
07/08/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92345
Web
I recently started a monitoring service and noticed account that do not belong to me.I never had such an account and I have never given anyone to open such an account on my behave.
07/08/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 92345
Web
I recently started a monitoring service and noticed account that do not belong to me.I never had such an account and I have never given anyone to open such an account on my behave.
09/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84124
Web
XXXX # XXXX is reporting a charged off collection on my account. However this is past the statute in Utah and I no longer owe this debt. This needs to be removed off of my credit.
03/20/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 482XX
Web
Seventh Ave # XXXX {$390.00} this account doesn't belong to me I was a victim of identity theft, I have attached my FTC , and police report please remove this account from XXXX.
04/21/2021 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
  • IL
  • 60707
Web
INFORMATION IN MY CREDIT REPORT IS INACCURATE, OBSOLETE, INCORRECT, UNVERIFIED, UNPROVEN AND NON COMPLIANT!! THIS INVESTIGATION WELL OVER 30 DAY 'S NO UPDATES REMOVE ACCOUNTS!!
03/26/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Delay in processing application
  • AR
  • 727XX
Web
ON XX/XX/2019 I APPLIED FOR XXXX XXXX APPLICATION NO.XXXX AND ORDER {$420.00}, ORDER NO.XXXX. THEY ATTEMPTED TO PULL XXXX BUT AT THE TIME HAD A SECURITY ALLERT SEE ATTACHED.
03/05/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60637
Web
On XX/XX/XXXX and XX/XX/XXXX Montgomery Ward accessed my credit reports without permission that is a violation pursuant to 15 USC 1681n. This has caused my score to decrease.
04/06/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Public record
  • AK
  • 996XX
Web
I do n't have a Sears card anymore, I did n't Renew it. Montgomery Wards was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments
10/19/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 15401
Web
Agreement for pay to delete account was not honored after payment was made to Ginnys agent continue to make statements on my credit report 2 twice each month of derogatory
12/22/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60115
Web
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents
05/09/2016 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30058
Web
I GOT BEHIND ON THIS ACCOUNT BUT HAVE BEEN MAKING PAYMENTS. I HAVE ASKED THAT MY CREDIT REPORT BE UPDATED ACCURATELY AND THEY ARE SAYING THAT THEY ARE REPORTING CORRECTLY.
11/16/2023 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
  • MA
  • 02118
Web
In complaint XXXX Ginnys inc said they would have the credit bureaus remove the account. The very next day after their response they reported it as negative account again
09/01/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WI
  • 53223
Web
SWISS COLONY failed to give me proper validation of this debt. I mailed SWISS COLONY a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX
12/06/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 22903
Web
They constantly call and ask to speak with a person I 've never met before. Despite telling them that they have the incorrect number they harass me multiple times a day.
11/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Report provided to employer without your written authorization
  • TN
  • 374XX
Web
Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) are reporting ( late payments ) inaccurate information and are in violation of 15 USC 1681 s-2 ( a ) ( 1 ) ( A )
05/24/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60637
Web
My identity was stolen and a Swiss Colony/Montgomer credit card was open in my name and charged in the amount of {$750.00}. It appeared to have been open XX/XX/2022.
07/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CT
  • 06606
Web
3 accounts on my credit report that doesn't belong to me. I am respectfully requesting a deletion of these accounts. 1. XXXX XXXX 2. XXXX XXXX FKA XXXX 3. XXXX XXXX
03/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 72761
Web
I HAVE DUPLICATE HARD PULLS ON XXXX 1 AUTHORIZED THE OTHER ONE NOT DELETE XXXX XXXX XX/XX/XXXX, DUPLICATE XXXX XX/XX/XXXX DELETE XX/XX/XXXX AND GINNY ON XX/XX/XXXX.
08/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • KY
  • 417XX
Web
I received a bill from Montgomery Ward for a product I did not order. Friend took catalogs home with her. I know it was fraud because I did not order this product.
08/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem with product or service terms changing
  • FL
  • 32207
Web
the account is closed and paid off but still reporting as negative on my credit report since XX/XX/2014 there is a XXXX balance the highest balance was {$250.00}.
03/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 78006
Web
They are reporting late payment this past year when I called and explained that the family had XXXX they said they would not report late and the payment was sent
09/27/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89044
Web
There is an account that is unknown listed on my credit file. I have disputed with no response or validation. Please help, I never did business with this company
01/03/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 727XX
Web
XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.
01/03/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 727XX
Web
XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.
10/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06484
Web
Accounts were open under my name which I was not aware of until recently i have file directly toward a company for fraudulent accounts and has not neem resolve
10/15/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 06484
Web
Accounts were open under my name which I was not aware of until recently i have file directly toward a company for fraudulent accounts and has not neem resolve
06/06/2018 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Privacy issues
  • IN
  • XXXXX
Web
XXXX XXXX XXXX XXXX BOTH HAVE MERGED OUR TWO ACCOUNTS IN 1. XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ARE MERGED TWO
11/15/2020 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
  • Investigation took more than 30 days
  • KY
  • 40272
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.
12/15/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • FL
  • 320XX
Web
Continue to bill me XXXX gor shipping back a return. I paid to ship it because it could not go XXXX. They refuse to acknowledge 5 attempts to clears this up
05/17/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • NH
  • 030XX
Web
Someone Opened a Montgomery Ward card under my maiden name. i. have been trying to resolve this as of XX/XX/2021, and now it has affected my credit report.
06/27/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33178
Web
There is a new account opened under my name and i have not applied for this account, i have never heard of this account. This is affecting my credit score
10/27/2023 Yes
  • Credit card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • CA
  • 93702
Web
Hi Swiss colony made my credit score go low I told them I was paying the XXXX XX/XX/XXXX they report me for now paying not fair I told them am struggling
08/24/2016 Yes
  • Credit card
  • Unsolicited issuance of credit card
  • OK
  • 73112
Web
Seventh ave is trying to collect on a debt that belongs to my father with the same name it has been listing on my credit and destroying my credit rating.
05/06/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Called outside of 8am-9pm
  • MD
  • 217XX
Web
I was called by Monroe and Main credit department at XXXX! They left a voicemail on my cell phone for a {$40.00} payment that was past due by a few days!
10/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • FL
  • 32129
Web
XXXX XXXX XXXX was removed from my account XXXX Dispute number was removed XXXX No one is giving my the XXXX point u get when you get an account removed
03/03/2021 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
  • Investigation took more than 30 days
  • PA
  • 152XX
Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
02/23/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 151XX
Web
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
08/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 480XX
Web
The Company Ginny 's in XXXX of 2022 used my social security number and opened up a credit account in the amount of {$500.00} without my permission.
09/07/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • AL
  • 36695
Web Servicemember
There is an account for Montgomery Ward that was opened in my name.. I have contacted this company numerous times. I am a victim of identity theft.
02/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 90280
Web
I have Identity XXXX I never open that account please petrify this information but I also I went back XXXX on 2014 thank you very much for help me
07/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19026
Web
XXXX : hard inquiry from Seventh Ave ( XXXX ) ( Finance ) - I did not authorize this transaction. I do not have the contact info for the company.
02/12/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • AL
  • XXXXX
Web
XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/ 2013, and discharged. They are reporting inaccurate information.
08/19/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 360XX
Web
XXXX XXXX flagged my credit report for a debt that is not mine. This account shows up on my credit report as flagged and I want it removed.
09/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 727XX
Web
XXXX XXXX AND ITS COLLECTOR KEEPS CALLING AND COLLECTING ON A FRAUDULENT DEBT.WITH MERCHANTS AND ARE FALSY REPORTING ON MY CREDIT REPORTS.0.
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • XXXXX
Web
Seventh avenue says I charged and recd goods I did not filled out form disputing charge and notified them by phone. They won't do anything.
07/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • XXXXX
Web
Seventh avenue says I charged and recd goods I did not filled out form disputing charge and notified them by phone. They won't do anything.
11/12/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 770XX
Web
There is an account listed on my credit report that is NOT mine. I have disputed it several times and it still appears and need some help.
11/09/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75238
Web
Swiss Colony/Montgomery Wards continues to validate a debt I don't own. The creditor continues to report inaccurate information to XXXX.
12/05/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02368
Web
The company has failed to validated information to collect a debt. Request the company to remove the debt from all three credit report.
09/12/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DE
  • 198XX
Web Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
06/18/2016 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 77087
Web
I got behind these payments because my husband suffered a XXXX and lost my source of income. I had to quit my job to take care if him
02/24/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • FL
  • 33755
Web
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.
10/15/2022 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
  • Investigation took more than 30 days
  • WI
  • 53406
Web Older American, Servicemember
according to the XXXX15usc1681 section, 602h is hurting my credit file please remove the following items tomorrow and main # XXXX
02/10/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 114XX
Web
Two Companies 1-XXXX XXXX Store 2-XXXX XXXX ( XXXX XXXX XXXX Somebody stole my identity and tried to open Credit Cards on my name
05/03/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MN
  • 567XX
Web
I noticed an unrecognized account in my name. Filed a dispute with Montgomery, the card issuer. Filed a dispute with XXXX also.
04/10/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Received unsolicited financial product or insurance offers after opting out
  • AR
  • 72712
Web
UNAUTHORIZED NO SIGNATURE HARD PULLS FROM XXXX XXXX, XX/XX/2019, XXXX XXXX XXXX, A FRAUDULENT PULL, AND XXXX DUPLICATED PULLS.
09/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30906
Web
XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and XXXX i these off my credit old accounts and I have disputed over and over.
09/15/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 758XX
Web
This company is refusing to update my account as paid in full and a XXXX balance to my 3 credit reports. This account is paid
02/09/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CT
  • 064XX
Web Servicemember
made a payment to Montgomery ward was suppose to remove from all credit agencies. never did before they went out of business
05/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MO
  • 633XX
Web
There are several over the last few months I have never applied for or even heard of. Some using diff names than my own.
11/08/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • NY
  • 147XX
Web
Swiss collebey is way to much for me to afford on my own or the credit cards I didn't know who affenct my crideit score
05/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06606
Web
I was a victim of identity theft, and I have submitted my identity theft report. These accounts don't belong to me.
06/20/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 272XX
Web
There is degratory information appearing on my account for {$250.00}. This account is old. It was opened XX/XX/2012
05/11/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 396XX
Web
XXXX re aged an account on my credit report illegally and I want it removed asap swiss colony re aged my account
09/03/2020 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 641XX
Web
I never opened an account with this company. I have my ID theft affidavit from the FTC attached to this message
03/16/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 18974
Web
Someone applied for a credit card and purchased a laptop with my information and had it sent to their address.
07/09/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32738
Web
Ive never heard of this company nor did i authorize my credit to be ran. Ive contacted them with no success.
01/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 727XX
Web
XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.
01/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AR
  • 727XX
Web
XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.
12/22/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IL
  • 60115
Web
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt
05/17/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23236
Web
Credit card was paid in full and its showing on credit report as closed. I need it removed for my account.
09/10/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32725
Web
credit was obtained in my name but was canceled because of alert also credit being applied for in my name
11/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02368
Web
I filed a former complaint on XX/XX/2020. The company responded with an address that didn't belong to me.
12/22/2017 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NV
  • 89118
Web
I received a bill by email from for an item I NEVER received, it had my name, address and city was wrong.
08/19/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KY
  • 40229
Web
There is a Ginny 's account which I have disputed this is unknown and I requesting validation and removal
08/17/2022 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
  • WI
  • XXXXX
Web
On XX/XX/2021, Seventh Ave made a hard inquiry on my XXXX credit report. This was not authorized by me.
12/24/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MT
  • 59601
Web
This was a catalog item that i did not order but paid anyway, thus it should be removed from my reports
01/20/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 238XX
Web
swiss colony montgomer closed account showing three late payments i never been late with this company
12/29/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 11772
Web
Received credit card bill in the amount of {$190.00}. I never applied for credit from this company.
07/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MO
  • 64068
Web
I am unsure who this creditor is what is owed and was not notified that it was going XXXX my credit.
02/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • PA
  • 191XX
Web
I dont have an account with XXXX and i am receiving calls about sending me to jail if i fail to pay.
02/09/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to arrest you or take you to jail if you do not pay
  • PA
  • 191XX
Web
I dont have an account with XXXX and i am receiving calls about sending me to jail if i fail to pay.
06/02/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 72712
Web
XXXX IS FALSELY REPORTING 9 HARD INQUIRIES AND WANT THEM TO DELETE TODAY, THESE ARE UNAUTHORIZED.
04/06/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • KS
  • 660XX
Web
I have spoken with this company several times I never took out this account and I want it removed
08/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32828
Web
I just started the process to attempt to resolve with the company. Keeping the CFPB in the loop.
07/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OR
  • 97230
Web
I called and reported that this was not me and they told me they would remove it but never did
10/08/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68111
Web
Company has failed to provide requested documents to validate the debts they seek to collect.
03/23/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AR
  • 727XX
Web
XXXX AND COLONY BRANDS, XXXX, XXXX XXXXXXXX, GINNYS, XXXX XXXX ARE FALSLY REPORTING ON XXXX.
08/29/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • FL
  • 33913
Web
Account opened without my knowledge, I never applied for credit. Disputed amount {$130.00}.
11/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44118
Web
This debt has been falsely added to my credit report and has negatively affected my credit.
07/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AR
  • 72712
Web
CEASE COMMUNICATIONS AND REMOVE ALL CREDIT REPORTING OR BE SUED. FOR XXXX XXXX AND MYSELF.
07/23/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • AR
  • 72712
Web
CEASE COMMUNICATIONS AND REMOVE ALL CREDIT REPORTING OR BE SUED. FOR XXXX XXXX AND MYSELF.
06/02/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 72712
Web
I WENT TO DEALER AND THEY PULLED 48 HARD INQUIRIES ON ALL 3 BUREAUS WITHOUT MY SIGNATURES.
06/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19125
Web
U have 2 hard inquiries on my credit in I don't know how I pay my bills in never been late
03/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 631XX
Web
Company inaccuurately reporting status. Account is charged off or closed with a balance.
07/25/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38115
Web Servicemember
I do not owe XXXX XXXX {$300.00} or any other. This account has been closed charged off.
12/31/2016 No
  • Credit card
  • Billing disputes
  • NY
  • 11214
Web Older American
the aqcct has disability insurance but seventh avenue refusest aqctivate the insurance
12/07/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 38115
Web
I was a victim of this data breach and I would like for this be deleted immediately
10/27/2016 No
  • Credit card
  • Other
  • IL
  • 604XX
Web
This agency is reporting an account on my redit profile which does not belong to me
06/16/2021 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • NY
  • 10027
Web Older American
they say that i charged some items last year, in a different city, it wasn't me
02/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 72761
Web
THEIRXXXX ETC.. ARE 14 FRAUDULENT HARD PULLS FROM XXXXXXXX XXXX ON XXXX ONLY.
04/16/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • XXXXX
Web
THIS ITEM WAS SETTLED AND THE COMPANY WILL NOT REMOVE FROM MY CREDIT REPORT
06/05/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21804
Web
Constant calls from several different phone numbers but the same company.
10/31/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • SC
  • 29621
Web
The card was paid and was agreed to remove from credit report and was not
02/12/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 24401
Web
XXXX XXXX i never applied and never have i ever gotten anything for them
06/03/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11214
Web Older American
INSURANCE ON ACCT HAS NOT BEEN ACTIVATED IT SHOULD BE ACTIVATED AND PAID
02/09/2017 Yes
  • Credit card
  • Billing disputes
  • NY
  • 11214
Web
SEVENTH AVENUE SHOULD PAY THE ACCT IN FULL AS THE INSURANCE OIN THE ACCT
07/13/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33415
Web
I BEEN WRITTING XXXX AND THIS COMPANY XXXX XXXX XXXX THIS IS NOT FOR ME
10/29/2015 Yes
  • Consumer Loan
  • Installment loan
  • Shopping for a loan or lease
  • NC
  • 27107
Web
HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT
11/05/2020 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
  • Problem with personal statement of dispute
  • NC
  • 27804
Web
I call XXXX XXXX they couldnt give me no answer to what I was asking
07/26/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 38115
Web Servicemember
I do not owe XXXX 's the amount of {$230.00} or any other amount.
01/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36869
Web
This company is sharing my personal information breaking the law
04/11/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NC
  • 283XX
Web
Account with XXXX XXXX was opened and used by another person
08/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19139
Web
this card is not mine i did not sign for it my id was stolen
01/24/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 93535
Web
XXXX wants to me fill this out to report my identity theft.
09/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19121
Web
account was paid this should not be on my credit reoprt.
09/29/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • PA
  • 19121
Web
this account was paid i need this off my credit report.
09/28/2015 No
  • Credit card
  • Billing disputes
  • CT
  • 064XX
Web
Never applied for credit account does not belong to me
12/23/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • FL
  • 34982
Web
Account was opened with out my approval or knowledge
12/23/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MD
  • 21234
Web
XXXX XX/XX/2018 unknown inquiring on credit report.
03/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 313XX
Web Servicemember
I need late payments removed from my credit report
03/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75035
Web
Wrongful account reported into my credit profile
08/24/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • OK
  • 73112
Web
I have never opened an account with Home at five
03/23/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • VA
  • 222XX
Web
A XXXX XXXX credit card was opened in my name.
02/04/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 955XX
Web
I don know anything about this company at all
10/31/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • SC
  • 29621
Web
Paid in full and is saying it was never paid
01/31/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48203
Web
They put inquiries on my credit report
10/31/2016 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • SC
  • 29621
Web
Paid in full stayes they were not paid
03/06/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WI
  • 53223
Web
Im refused for everything its not me!
05/07/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • DE
  • 19977
Web
Threatening to receive money from me
02/14/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • NC
  • 28216
Web
Unwilling to work with me
02/01/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33321
Web
01/30/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33032
Postal mail
01/29/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35010
Web
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43209
Web
01/21/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36107
Web
01/18/2024 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 78223
Web
01/15/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20866
Web
01/15/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36107
Web
01/12/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19027
Web Servicemember
01/11/2024 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45002
Web
01/09/2024 Yes
  • Debt or credit management
  • Debt settlement
  • Unauthorized withdrawals or charges
  • OH
  • 45002
Web
01/08/2024 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Advertising and marketing, including promotional offers
  • Didn't receive advertised or promotional terms
  • DC
  • 20001
Web Older American, Servicemember
01/08/2024 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 51401
Referral
01/02/2024 Yes
  • Credit card
  • Store credit card
  • Incorrect information on your report
  • Information is missing that should be on the report
  • CA
  • 94509
Web
01/02/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KS
  • XXXXX
Web
01/01/2024 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IA
  • 514XX
Web
12/28/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • KY
  • 40291
Web
12/28/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 40291
Web
12/27/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • MD
  • 21223
Web
12/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30224
Web
12/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95209
Web
12/25/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95209
Web
12/22/2023 Yes
  • Credit card
  • Store credit card
  • Other features, terms, or problems
  • Privacy issues
  • IL
  • XXXXX
Web
12/19/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30087
Web
12/16/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NH
  • 03062
Web
12/16/2023 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
  • PA
  • 17325
Web
12/13/2023 Yes
  • Credit card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • MO
  • 65771
Web
12/07/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • NJ
  • 07304
Web
12/03/2023 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
  • IL
  • 60690
Web
12/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 19425
Web
12/01/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 90505
Postal mail Older American
11/27/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • AR
  • 722XX
Web Older American, Servicemember
11/23/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78229
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76901
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76901
Web
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43209
Web
11/19/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33314
Web
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33141
Web
11/16/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31217
Web
11/15/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89031
Web
11/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28269
Web
11/11/2023 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
  • FL
  • 33021
Web
11/03/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20774
Referral
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32210
Web
11/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32210
Web
11/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 23112
Web
10/31/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72110
Web
10/30/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27707
Phone Older American, Servicemember
10/25/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CA
  • 90035
Web
10/17/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37806
Web
10/13/2023 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36426
Web
10/13/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36426
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76901
Web
10/12/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76901
Web
10/10/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75028
Web
09/19/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • MO
  • 65771
Web
09/15/2023 Yes
  • Credit card
  • Store credit card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • PA
  • 19027
Web
09/11/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45246
Web
09/08/2023 Yes
  • Credit card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 14420
Web
09/05/2023 Yes
  • Credit card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened without my consent or knowledge
  • TN
  • 37064
Referral
09/02/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AL
  • 35054
Web
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27615
Web Older American
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27615
Web Older American
09/01/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27615
Web Older American
08/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 35054
Web
08/25/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Personal line of credit
  • Problem when making payments
  • WY
  • 82003
Phone
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KS
  • 66101
Web
08/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KS
  • 66101
Web
08/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 99201
Web Servicemember
08/17/2023 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IL
  • 61443
Referral
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
  • FL
  • 33311
Web
08/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27523
Web
08/14/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 32835
Phone Servicemember
08/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75603
Web
08/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TX
  • 75603
Web
08/04/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72019
Web
07/31/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • WA
  • 98405
Web Older American, Servicemember
07/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32507
Web
07/26/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Indicated you were committing crime by not paying debt
  • ME
  • 04640
Web Servicemember
07/24/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85016
Web
07/20/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32507
Web
07/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32505
Web
07/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 32505
Web
07/18/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29817
Phone
07/03/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89118
Phone Older American
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 44709
Web
06/22/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32097
Phone Older American
06/21/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29817
Phone
06/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 39702
Web
06/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 39702
Web
06/16/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33066
Web
06/01/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63068
Web
05/30/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63068
Web
05/29/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 92507
Web Servicemember
05/24/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 77584
Web
05/17/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75792
Web Older American
05/16/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63068
Web
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • PA
  • 19120
Phone
05/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • SC
  • 29651
Web
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19120
Web Servicemember
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 19120
Web Servicemember
05/01/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02210
Phone
04/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 77357
Web
04/19/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • ND
  • 58554
Web
04/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MA
  • 02210
Phone Older American
04/12/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Fraud or scam
  • IN
  • 46403
Web
04/03/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30701
Phone Older American
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30043
Web
03/31/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30043
Web
03/30/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 08066
Web
03/30/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 08105
Web
03/30/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NJ
  • 08105
Web
03/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AL
  • 36832
Web
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 38058
Web
03/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 38058
Web
03/15/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CT
  • 06119
Web Older American
03/14/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75254
Web Older American
03/10/2023 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
  • NC
  • 27559
Web
02/27/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with fraud alerts or security freezes
  • PA
  • 19440
Web Older American
02/25/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 14051
Web Older American
02/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29510
Web
02/19/2023 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • IL
  • 60612
Web
02/16/2023 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
  • CA
  • 90008
Web
02/16/2023 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
  • CA
  • 90008
Web
02/11/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30087
Web
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92345
Web
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92345
Web
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NY
  • 10036
Web
02/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60201
Web
01/31/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • MD
  • 20877
Phone Older American
01/25/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 238XX
Web
01/23/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94533
Web
01/17/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06074
Web Referral
01/11/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27350
Web
01/08/2023 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Problem with customer service
  • PA
  • 15222
Web
01/08/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37410
Web
01/07/2023 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
  • MO
  • 63042
Web
01/07/2023 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
  • MO
  • 63042
Web
01/03/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 40475
Web
12/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • OK
  • 73132
Web
12/07/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • IL
  • 60619
Web
12/06/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 32163
Web
12/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33301
Web
12/01/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90638
Web
11/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 07601
Web
11/26/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • CA
  • 91320
Web Older American, Servicemember
11/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60419
Web
11/19/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • IN
  • 47331
Web
11/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MO
  • 64093
Web
10/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72355
Web
10/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • LA
  • 70128
Web
10/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32244
Web
10/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32244
Web
09/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48450
Postal mail Older American
09/21/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NH
  • 03225
Web
09/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 33317
Web
09/12/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36832
Web
09/09/2022 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 24502
Web
09/09/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23231
Web
09/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32244
Web
09/08/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08002
Web
09/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10801
Web
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 71909
Web
09/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 71909
Web
09/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48188
Web
08/31/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95838
Postal mail
08/29/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95838
Postal mail Older American
08/26/2022 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
  • GA
  • 30087
Web
08/26/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 24502
Web
08/25/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 95838
Postal mail
08/23/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 95822
Web
08/23/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 13760
Web
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33914
Web
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36541
Web
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36541
Web
08/17/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36541
Web
08/02/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MD
  • 20722
Phone Servicemember
07/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32220
Web
07/28/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OR
  • 97738
Web
07/26/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33323
Web
07/25/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 14094
Referral
07/23/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Overcharged for something you did purchase with the card
  • NJ
  • 08046
Web
07/20/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • LA
  • 71409
Web
07/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76123
Web
07/11/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • TX
  • 75104
Phone
07/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 45424
Web
07/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 45424
Web
07/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38002
Web
06/25/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 93534
Web
06/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93534
Web
06/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93534
Web
06/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93534
Web
06/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 93534
Web
06/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 24401
Web Older American
06/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30291
Web
06/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • WI
  • 53105
Web
06/17/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45891
Web
06/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89149
Web
06/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89149
Web
06/16/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89149
Web
06/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 37064
Web Servicemember
06/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • CT
  • 06118
Web
06/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NV
  • 89081
Phone
05/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 85085
Web
05/20/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • WA
  • 98270
Web
05/18/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 14706
Web
05/18/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • AZ
  • 85629
Web
05/18/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33830
Phone
05/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23231
Web
05/17/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • TN
  • 37216
Web
05/15/2022 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 22193
Web
05/05/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • OR
  • 97322
Web Servicemember
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30248
Web Servicemember
05/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AZ
  • 86334
Web
05/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29617
Web
05/03/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TN
  • 37917
Postal mail Older American
05/02/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30291
Web
04/29/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AZ
  • 85705
Postal mail Older American, Servicemember
04/26/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19126
Web
04/26/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MA
  • 01473
Web Servicemember
04/25/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • TX
  • 76112
Referral
04/21/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 10035
Web
04/17/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 11215
Web Older American
04/15/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • MD
  • 20747
Phone Older American
04/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PA
  • 15144
Web
04/13/2022 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 19151
Web
04/12/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 93306
Web
04/09/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Improper use of your report
  • Reporting company used your report improperly
  • MS
  • 39206
Web
04/08/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TN
  • 38317
Web
03/29/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • WA
  • 98584
Web
03/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11356
Web
03/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78610
Web
03/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78610
Web
03/28/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 78610
Web
03/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 39702
Web
03/25/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MI
  • 48195
Web Older American
03/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 43143
Web
03/24/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 79915
Web
03/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76053
Web
03/17/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77077
Web
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 18042
Web
03/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 53562
Web
03/15/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36740
Phone Older American
03/08/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45206
Web
03/08/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • LA
  • 70809
Web
02/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • 19151
Web
02/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33016
Web
02/23/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 33016
Web
02/23/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 10516
Web
02/19/2022 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
  • NY
  • 11953
Web
02/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75410
Web
02/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • TX
  • 75410
Web
02/19/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30134
Web
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • AL
  • 35228
Web
02/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77013
Web
02/13/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IN
  • 46404
Web
02/05/2022 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • IL
  • 60142
Web
02/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 77013
Web
01/28/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OK
  • 73116
Web
01/25/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • WA
  • 98840
Web
01/25/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • NY
  • 11572
Web
01/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Identity theft protection or other monitoring services
  • Problem canceling credit monitoring or identify theft protection service
  • WI
  • 53105
Web Older American
01/22/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • UT
  • 84117
Web
01/21/2022 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07036
Web
01/19/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70726
Web
01/18/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 93711
Web
01/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • CA
  • 93711
Web Servicemember
01/18/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • IN
  • 46409
Web
01/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NH
  • 03064
Web
01/13/2022 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 45206
Web
01/08/2022 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • CA
  • 94544
Web
01/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 63134
Web
01/08/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63134
Web
01/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IN
  • 47904
Web
01/04/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • ME
  • 04958
Phone
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60076
Web
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60076
Web
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60076
Web
12/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • IL
  • 60076
Web
12/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MO
  • 63115
Phone
12/22/2021 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
  • MA
  • 02302
Web
12/20/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 441XX
Web
12/20/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 12143
Web
12/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OH
  • 45405
Phone
12/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75087
Web
12/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • TX
  • 75087
Web
12/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33314
Web
12/01/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • CA
  • 93611
Web
11/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43015
Web
11/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02368
Web
11/17/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • VA
  • 24540
Web
11/10/2021 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
  • WI
  • 53216
Web
11/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 72364
Web
11/10/2021 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
  • WI
  • 53216
Web
11/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AR
  • 72364
Web
11/04/2021 Yes
  • Credit card or prepaid card
  • General-purpose prepaid card
  • Problem with a purchase or transfer
  • Card company isn't resolving a dispute about a purchase or transfer
  • TN
  • 38112
Phone Older American
11/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 43230
Web
10/29/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77705
Web Older American
10/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • MN
  • 55443
Web
10/22/2021 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
  • NC
  • 27529
Web
10/21/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • MD
  • 20716
Web
10/20/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93610
Web
10/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95228
Web
10/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 95228
Web
10/18/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 77706
Web
10/12/2021 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
  • NC
  • 28215
Web
10/10/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 77489
Web
10/10/2021 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
  • LA
  • 71111
Web
10/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28677
Referral
10/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 32258
Referral
09/27/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92551
Web
09/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32324
Web
09/27/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • AR
  • 72761
Web
09/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78610
Web
09/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78610
Web
09/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78610
Web
09/27/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78610
Web
09/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55125
Web
09/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28352
Web
09/22/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • NC
  • 27536
Postal mail
09/19/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93610
Web
09/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33853
Web
09/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21215
Web
09/13/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • MS
  • 39180
Web
09/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 20707
Web
09/10/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78254
Web
09/06/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78610
Web
08/31/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23601
Referral
08/30/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NM
  • 87059
Web Servicemember
08/26/2021 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • PA
  • 18103
Web
08/25/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29687
Referral
08/24/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 36081
Web
08/20/2021 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
  • PA
  • 19602
Web
08/17/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit repair services
  • Problem with customer service
  • CA
  • 93610
Web
08/17/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93610
Web
08/15/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 93311
Web
08/14/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
  • MA
  • 02476
Web
08/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11953
Web
08/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11953
Web
08/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11953
Web
07/25/2021 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 60126
Web
07/19/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11953
Web
07/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 75070
Web
07/15/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 630XX
Web
07/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 303XX
Web
06/28/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 34748
Phone
06/28/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33853
Web
06/25/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02368
Web
06/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
06/22/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70586
Web
06/21/2021 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • PA
  • 19355
Web
06/09/2021 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33852
Web
06/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 31082
Web
06/04/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19111
Web
06/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19135
Web
06/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30606
Web
05/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48094
Web
05/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 10452
Web
05/22/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 93610
Web
05/21/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • LA
  • 70586
Web
05/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 38125
Web Older American
05/20/2021 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
  • MA
  • 02302
Web
05/19/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02375
Web
05/18/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10552
Postal mail
05/14/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32173
Web
05/06/2021 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Credit monitoring or identity theft protection services
  • Billing dispute for services
  • NC
  • 27520
Web
05/06/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 32068
Referral
05/05/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29849
Web
04/26/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33612
Web
04/26/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • VA
  • 23661
Phone
04/26/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • OH
  • 43201
Fax
04/23/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44106
Web
04/20/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94602
Web
04/19/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 48197
Web
04/17/2021 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MN
  • 55347
Web
04/15/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
04/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15147
Web
04/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15147
Web
04/13/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • PA
  • 15147
Web
04/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TN
  • 38555
Web
04/12/2021 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
  • MD
  • 21014
Web
04/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • WI
  • 53205
Web
04/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02368
Web
04/07/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 55122
Web
04/05/2021 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
  • NJ
  • 08048
Web
04/05/2021 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
  • IL
  • 60637
Web
04/05/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77703
Web
04/05/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • IN
  • 46256
Web
03/31/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11729
Web
03/31/2021 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
  • PA
  • 19602
Web
03/23/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27614
Web
03/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11729
Web
03/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
03/10/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02375
Web
03/09/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • IL
  • 60168
Web
02/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 95990
Web
02/24/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40965
Web
02/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • VA
  • 23661
Web
02/22/2021 Yes
  • Checking or savings account
  • Checking account
  • Managing an account
  • Fee problem
  • AR
  • 72011
Postal mail
02/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92307
Web
02/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92307
Web
02/16/2021 Yes
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Fraud or scam
  • OR
  • 97301
Web
02/13/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 148XX
Web
02/12/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02302
Web
02/10/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AR
  • 72342
Phone
02/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33187
Web
02/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02368
Web
01/22/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02721
Web
01/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • DC
  • 20011
Web
01/21/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27101
Web
01/08/2021 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • You never received your bill or did not know a payment was due
  • CA
  • 91001
Web Older American
12/26/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • FL
  • 32835
Web
12/23/2020 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • IL
  • 60561
Web
12/20/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48215
Web
12/08/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 22025
Web Servicemember
12/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73142
Web
12/03/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73142
Web
12/02/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11385
Referral
12/01/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11385
Referral
11/26/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07754
Referral
11/24/2020 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08050
Fax
11/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 19118
Phone
11/22/2020 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
  • MI
  • 48237
Web
11/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 74132
Web Older American
11/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11772
Web
11/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11772
Web
11/12/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11772
Web
11/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • KY
  • 41001
Web
10/30/2020 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MA
  • 02368
Web
10/30/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 43201
Postal mail Servicemember
10/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TN
  • 38017
Postal mail
10/22/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 14519
Web
10/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60422
Web
10/21/2020 No
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • FL
  • 33069
Phone
10/19/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • PA
  • 19141
Web
10/11/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • MA
  • 02301
Web
10/09/2020 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MI
  • 48213
Web
10/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91204
Referral
10/08/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91204
Postal mail
10/06/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • GA
  • 30328
Web
09/30/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • IN
  • 462XX
Web
09/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • MN
  • 55304
Web
09/27/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 92139
Web
09/25/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MS
  • 39759
Web
09/22/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CT
  • 06606
Web
09/17/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 12804
Web
09/17/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NY
  • 12804
Web
09/02/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39702
Web
08/21/2020 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
  • Their investigation did not fix an error on your report
  • SC
  • 29016
Web Servicemember
08/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Problem with a company's investigation into an existing issue
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33116
Phone Older American, Servicemember
08/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60619
Web
07/19/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • TX
  • 75043
Web
07/15/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28215
Fax
07/13/2020 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10454
Postal mail
07/12/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32312
Web
07/12/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32312
Web
06/30/2020 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19135
Postal mail
06/23/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10001
Web
06/23/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • OH
  • 44320
Fax
06/17/2020 Yes
  • Money transfer, virtual currency, or money service
  • Money order
  • Fraud or scam
  • OH
  • 44278
Phone Older American
06/16/2020 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33606
Web
06/05/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Privacy issues
  • OH
  • 44278
Phone Older American
06/05/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • LA
  • 70122
Phone
05/20/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MO
  • 63701
Web
05/04/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32327
Web
04/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IL
  • 60409
Postal mail
04/16/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 31909
Web
04/14/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11212
Web
03/27/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AL
  • 36037
Web
03/22/2020 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80962
Web Servicemember
03/04/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 13088
Web
02/23/2020 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
  • NJ
  • 07470
Web
02/11/2020 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
  • CA
  • 94509
Web
01/31/2020 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 95354
Phone Older American
01/24/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • KY
  • 42240
Web
01/23/2020 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • FL
  • 33014
Web Older American
01/23/2020 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MO
  • 645XX
Web
01/21/2020 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • KS
  • 66712
Phone
01/15/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 07803
Phone
01/10/2020 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
  • FL
  • 32304
Web
12/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 30052
Web
12/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28213
Web
12/19/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • LA
  • 70571
Phone Older American, Servicemember
12/18/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OR
  • 97630
Postal mail
12/04/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30022
Web
12/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30022
Web
12/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30022
Web
11/27/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • IL
  • 62864
Web
11/23/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10456
Web
11/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89086
Web
11/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89086
Web
11/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89086
Web
11/17/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • OH
  • 43213
Web Servicemember
11/05/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information is missing that should be on the report
Phone Servicemember
11/05/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • AR
  • 72712
Web
10/28/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 96158
Phone Older American
10/25/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Advertising and marketing, including promotional offers
  • Confusing or misleading advertising about the credit card
  • FL
  • 33417
Phone
10/22/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • FL
  • 33810
Phone Older American
10/22/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NY
  • 10034
Web
10/22/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NY
  • 11706
Web
10/17/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WA
  • 98663
Referral
10/16/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • KY
  • 40475
Web
10/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27513
Phone
10/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 08807
Phone
09/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • FL
  • 33538
Phone
09/24/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
Phone Older American, Servicemember
09/20/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44212
Web
09/11/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • XXXXX
Web
09/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 12118
Web
09/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21550
Web
09/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 78550
Web
08/29/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34608
Web
08/28/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33322
Web
08/26/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60621
Web
08/22/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • KY
  • 42276
Phone
08/18/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • VA
  • 23223
Web
07/29/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
  • NV
  • 89102
Phone Servicemember
07/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 11205
Postal mail
07/15/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 34608
Web
07/15/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • NY
  • 11226
Phone
07/15/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21623
Referral
07/03/2019 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28092
Web
07/02/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92115
Web
07/02/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • CA
  • 92115
Web
07/01/2019 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MN
  • 55379
Web
06/29/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
Postal mail
06/28/2019 No
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
Phone Older American
06/28/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
Phone Older American
06/27/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • 76053
Web
06/25/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • TN
  • 37115
Web
06/25/2019 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33647
Web
06/23/2019 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33547
Web
06/22/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 92101
Web Older American
06/21/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15235
Web
06/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55038
Web
06/10/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75115
Web
06/04/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32839
Referral
06/04/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32839
Referral
05/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 33308
Web
05/26/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30620
Web
05/23/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44112
Referral
05/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91764
Web
05/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91764
Web
05/11/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • FL
  • 33990
Web
05/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15219
Web
05/07/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WI
  • 53205
Web
04/25/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • NJ
  • 07746
Web
04/17/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 91764
Postal mail
04/15/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • MD
  • XXXXX
Web
04/14/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29936
Web
04/12/2019 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 23075
Phone Older American
04/10/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15235
Web
04/05/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • MD
  • 20735
Web
03/29/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15219
Web
03/29/2019 Yes
  • Checking or savings account
  • Other banking product or service
  • Managing an account
  • Banking errors
  • MI
  • 48336
Postal mail
03/27/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • VA
  • 230XX
Web
03/26/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30078
Web Servicemember
03/21/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98498
Web
03/14/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48312
Web
03/11/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • NY
  • 10458
Phone
03/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33142
Web
03/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33142
Web
03/07/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NV
  • 89117
Web
03/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • FL
  • 32207
Web Servicemember
03/06/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MN
  • 55448
Web
03/05/2019 Yes
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29673
Phone
03/04/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MN
  • 55387
Web Servicemember
03/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MD
  • 21560
Web
03/01/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15235
Web
02/25/2019 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Application denied
  • AZ
  • 85008
Phone Older American
02/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19120
Web
02/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15219
Web
02/20/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CO
  • 807XX
Web
02/06/2019 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19120
Web
02/06/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • PR
  • 00792
Phone Older American
01/25/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15235
Web
01/24/2019 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93647
Web
01/13/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32128
Web Older American
01/11/2019 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19120
Web
01/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IL
  • 60006
Phone
01/04/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IL
  • 60006
Phone
01/04/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Information is incorrect
  • IL
  • 60006
Phone
01/03/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • GA
  • 30518
Web
01/02/2019 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NY
  • 10456
Web
01/02/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31417
Web
12/18/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • ND
  • 58274
Phone
12/15/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TX
  • 79935
Web
12/14/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • GA
  • 31417
Web
12/06/2018 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem when making payments
  • Problem during payment process
  • CA
  • 96158
Phone
12/03/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • VA
  • 24179
Referral
11/30/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
Phone
11/30/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
Phone
11/30/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
Phone
11/30/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account information incorrect
Phone
11/27/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • FL
  • 33322
Web
11/27/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 94601
Web
11/27/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Other problem
  • MD
  • 21042
Postal mail
11/22/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30068
Web
11/22/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • NY
  • 10303
Web
11/19/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 27030
Referral
11/17/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • SC
  • 29715
Web
11/13/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • SC
  • 29621
Web
11/13/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11233
Fax
11/12/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15214
Web
11/12/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15214
Web
11/02/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29470
Web
10/30/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29483
Referral
10/29/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 49004
Web
10/24/2018 Yes
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
  • MD
  • 20746
Referral
10/22/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • NY
  • 11434
Web
10/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • SC
  • 29369
Postal mail
10/13/2018 No
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 72751
Web
10/13/2018 No
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • AR
  • 72751
Web
10/04/2018 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
Phone
10/03/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • FL
  • 32244
Referral
10/02/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • WI
  • 54806
Web
10/02/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60653
Web Servicemember
09/21/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 78664
Web Servicemember
09/19/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60653
Web Servicemember
09/19/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web
09/19/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web
09/12/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60805
Web
09/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AZ
  • 85706
Web
09/10/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11224
Fax
09/09/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MA
  • 02149
Web
09/04/2018 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11418
Web
08/29/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32810
Postal mail
08/29/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 32810
Postal mail
08/29/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Incorrect information on your report
  • Account status incorrect
  • FL
  • 32810
Postal mail
08/28/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60643
Postal mail
08/27/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32256
Web
08/25/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11233
Web
08/24/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15235
Web
08/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39046
Web
08/18/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • MS
  • 39046
Web
08/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MD
  • 21804
Web
08/16/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 49045
Web Servicemember
08/07/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44512
Web Servicemember
08/02/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AR
  • 72002
Fax
07/19/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Unable to get your credit report or credit score
  • Other problem getting your report or credit score
Phone
07/11/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77584
Web
07/11/2018 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Fees or interest
  • Problem with fees
  • NH
  • 03276
Postal mail
07/11/2018 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • OH
  • 43302
Phone
07/10/2018 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • SC
  • 29550
Postal mail Servicemember
07/10/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 77584
Web
07/04/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94015
Web
07/03/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60636
Web
07/02/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • IN
  • 46324
Web
06/28/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MS
  • 39046
Postal mail
06/28/2018 No
  • Money transfer, virtual currency, or money service
  • Money order
  • Problem with customer service
  • OH
  • 43614
Web
06/27/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 92509
Web
06/27/2018 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 92509
Web
06/23/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DC
  • 20010
Web
06/23/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • DC
  • 20010
Web
06/20/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 30327
Web
06/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • NJ
  • 07035
Web Servicemember
06/18/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NJ
  • 07035
Web Servicemember
06/14/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60636
Web
06/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60636
Web
06/12/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CT
  • 06118
Web
06/10/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 23488
Web
05/13/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76123
Web
05/13/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76123
Web
05/12/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web
05/12/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web
05/12/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32114
Web
05/07/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63135
Referral
05/07/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63135
Referral
05/07/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63135
Referral
05/07/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32824
Web
05/07/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 96113
Web
04/27/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • OH
  • 44130
Web
04/26/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 04736
Web Servicemember
04/23/2018 Yes
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • OH
  • 44146
Phone
04/17/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07042
Web
04/17/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CA
  • 90250
Fax
04/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 76123
Web
04/11/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • 44094
Referral
04/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AR
  • 72461
Web
04/09/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 28215
Web
04/08/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11231
Web
04/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11233
Web
04/03/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MI
  • 48026
Web
03/28/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 07042
Web
03/27/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60958
Referral
03/22/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 78240
Fax
03/20/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60958
Referral
03/19/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NJ
  • 08080
Fax
03/14/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34205
Referral
03/13/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
  • NC
  • 27265
Phone
03/12/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CO
  • 80247
Web
03/12/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48198
Referral
03/12/2018 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • NY
  • 11226
Phone Servicemember
03/04/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76177
Web
02/26/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63135
Referral
02/26/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63135
Referral
02/26/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MO
  • 63135
Referral
02/26/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32832
Web
02/26/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 97321
Referral
02/22/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 11212
Web
02/20/2018 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • MD
  • 21237
Web
02/15/2018 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MN
  • 55106
Web Servicemember
02/08/2018 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CO
  • 80247
Web
02/08/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28215
Web
02/08/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31548
Web Servicemember
02/07/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • KY
  • 42503
Web Servicemember
01/27/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CA
  • 90028
Web
01/23/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60440
Fax
01/23/2018 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 60440
Fax
01/18/2018 No
  • Money transfer, virtual currency, or money service
  • Mobile or digital wallet
  • Unexpected or other fees
  • WV
  • 26554
Web
01/17/2018 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • FL
  • 32067
Web
01/15/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • VA
  • 23223
Web
01/11/2018 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10603
Fax
01/05/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OR
  • 97410
Referral
01/03/2018 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 32714
Referral
12/29/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 35611
Web
12/28/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Old information reappears or never goes away
  • CO
  • 80542
Web
12/27/2017 No
  • Payday loan, title loan, or personal loan
  • Personal line of credit
  • Charged fees or interest you didn't expect
  • WA
  • 98133
Phone
12/20/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 48080
Postal mail
12/19/2017 No
  • Debt collection
  • I do not know
  • False statements or representation
  • Impersonated attorney, law enforcement, or government official
  • FL
  • 34119
Web
12/12/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77449
Referral
12/12/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OH
  • 45231
Web
12/07/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TX
  • 75027
Web
12/07/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • PA
  • 18042
Postal mail
12/05/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 20634
Web
12/04/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91206
Postal mail
12/01/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • CA
  • 90003
Web
11/29/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 91401
Web
11/16/2017 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75233
Web Servicemember
11/14/2017 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MI
  • 48080
Referral
11/14/2017 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
  • PA
  • 19143
Web
11/09/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Other features, terms, or problems
  • Problem with customer service
  • LA
  • 70128
Web
11/01/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Problem when making payments
  • Problem during payment process
Phone
11/01/2017 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Credit card company isn't resolving a dispute about a purchase on your statement
  • NY
  • 11214
Web Older American
10/27/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • SC
  • 29223
Referral
10/26/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
Phone
10/10/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • CA
  • 94608
Web Older American
10/09/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31904
Web
09/29/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 11214
Web Older American
09/22/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30080
Web
09/20/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • IA
  • 52804
Web
09/19/2017 No
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • MI
  • 49715
Web Servicemember
09/19/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MO
  • 63137
Referral
09/19/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • VA
  • 23452
Phone
09/18/2017 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29626
Web
09/18/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 78109
Web
09/12/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • IL
  • 61705
Web
09/08/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Public record information inaccurate
  • GA
  • 30187
Web
08/31/2017 Yes
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • IL
  • 61705
Web
08/30/2017 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92883
Web
08/22/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • CA
  • 90301
Web
08/22/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 44094
Web
08/09/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 94591
Web
08/09/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 90037
Web
08/08/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21205
Web
08/07/2017 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AL
  • 36532
Web
08/07/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 91730
Web
08/02/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • WI
  • 53212
Web
08/02/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Struggling to pay your bill
  • Problem lowering your monthly payments
  • OH
  • 44663
Fax Servicemember
08/01/2017 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • FL
  • 34473
Web
07/20/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OH
  • 43968
Fax
07/18/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • FL
  • 34120
Referral
07/17/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AR
  • 71726
Postal mail
07/17/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10465
Postal mail
07/10/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Fees or interest
  • Problem with fees
  • AZ
  • 85032
Phone
06/29/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06901
Web
06/29/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06901
Web
06/23/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 38965
Web
06/12/2017 No
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 91759
Web Older American, Servicemember
05/31/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NY
  • 12065
Web
05/21/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08087
Web
05/21/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NJ
  • 08087
Web
05/16/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • 33756
Web
05/16/2017 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • GA
  • 30058
Postal mail
05/16/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11003
Postal mail
05/12/2017 No
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11003
Postal mail
05/11/2017 No
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 11003
Postal mail
05/09/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Getting a credit card
  • Card opened as result of identity theft or fraud
  • TX
  • 75040
Web
05/04/2017 No
  • Credit card or prepaid card
  • Store credit card
  • Closing your account
  • Company closed your account
  • DE
  • 19709
Web
05/02/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 17033
Postal mail
05/02/2017 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 17033
Postal mail
05/02/2017 No
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 17033
Postal mail
04/13/2017 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75056
Web
04/13/2017 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75056
Web
04/13/2017 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 75056
Web
04/12/2017 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • IN
  • 46205
Web
04/11/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • GA
  • 30058
Referral
04/05/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • NJ
  • 08701
Web Older American
04/05/2017 Yes
  • Credit card
  • Delinquent account
  • NV
  • 89431
Web
04/04/2017 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Account terms
  • GA
  • 31904
Web
04/03/2017 Yes
  • Credit card
  • Other
  • IN
  • 46205
Web
03/22/2017 No
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • NY
  • 11233
Web
03/22/2017 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • GA
  • 30047
Phone
03/16/2017 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CO
  • 80247
Web
03/16/2017 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76018
Web
03/15/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CT
  • 06037
Referral
03/15/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CT
  • 06037
Referral
03/14/2017 No
  • Credit card
  • Billing disputes
  • MO
  • 63114
Postal mail
03/08/2017 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 15210
Web Older American
03/07/2017 No
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 91607
Web
03/06/2017 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • NC
  • 27834
Referral
03/03/2017 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • GA
  • 30058
Web
02/23/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 95842
Fax
02/22/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted employer after asked not to
  • TX
  • 75115
Phone
02/21/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77014
Web
02/16/2017 No
  • Credit reporting
  • Incorrect information on credit report
  • Account status
  • NJ
  • 08103
Web
02/12/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23323
Web
02/12/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23323
Web
02/10/2017 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76018
Web
02/06/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33173
Referral
01/31/2017 Yes
  • Credit card
  • Billing disputes
  • VA
  • 24078
Web
01/28/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30106
Web Servicemember
01/23/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CT
  • 06716
Web
01/19/2017 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CO
  • 80247
Web
01/13/2017 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90001
Web
01/09/2017 Yes
  • Credit card
  • Credit determination
  • MN
  • 55308
Postal mail
01/09/2017 No
  • Credit card
  • Credit determination
  • MN
  • 55308
Postal mail
01/09/2017 No
  • Credit card
  • Credit determination
  • MN
  • 55308
Postal mail
01/07/2017 No
  • Credit card
  • Other
  • NC
  • 28376
Web
01/01/2017 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 27215
Web
12/31/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 07302
Web
12/23/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • CA
  • 91001
Web
12/22/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97222
Postal mail
12/16/2016 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92376
Web
12/16/2016 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92376
Web
12/13/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22443
Web
12/13/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22443
Web
12/09/2016 No
  • Credit card
  • Unsolicited issuance of credit card
  • CA
  • 85268
Phone
12/09/2016 No
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 95825
Web
12/04/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • IL
  • 60659
Web
12/02/2016 No
  • Credit card
  • Credit determination
  • NY
  • 14304
Web
12/02/2016 No
  • Credit card
  • Credit determination
  • NY
  • 14304
Web
12/01/2016 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MS
  • 39212
Web Servicemember
11/30/2016 No
  • Credit card
  • Unsolicited issuance of credit card
Phone Older American
11/08/2016 No
  • Consumer Loan
  • Personal line of credit
  • Managing the line of credit
  • PA
  • 19143
Fax
11/07/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76210
Postal mail
11/07/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • TX
  • 76210
Postal mail
11/07/2016 No
  • Credit card
  • Credit line increase/decrease
  • PA
  • 19143
Fax
10/27/2016 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ID
  • 83854
Web
10/27/2016 No
  • Credit card
  • Billing statement
  • PA
  • 17543
Postal mail
10/26/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 18960
Postal mail
10/26/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 91355
Web
10/26/2016 No
  • Credit card
  • Bankruptcy
  • CO
  • 80247
Web
10/21/2016 No
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • SC
  • 29061
Web Servicemember
10/11/2016 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77066
Phone Servicemember
10/11/2016 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77066
Phone Servicemember
10/11/2016 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77066
Phone Servicemember
10/11/2016 No
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77066
Phone Servicemember
10/11/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77066
Phone Servicemember
10/07/2016 No
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 65101
Postal mail
09/20/2016 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • IL
  • 60004
Web
08/24/2016 Yes
  • Credit card
  • Billing disputes
  • IL
  • 60624
Phone
08/12/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NC
  • 28630
Web Older American, Servicemember
08/11/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 10473
Web
08/05/2016 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • DC
  • 20020
Web
08/04/2016 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77385
Web
07/22/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
Postal mail
07/22/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11050
Postal mail
07/08/2016 Yes
  • Bank account or service
  • Other bank product/service
  • Account opening, closing, or management
  • DC
  • 20019
Postal mail
07/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 32086
Referral
07/06/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • GA
  • 30457
Referral
06/22/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TN
  • 38101
Postal mail
06/21/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • PA
  • 17055
Web Servicemember
06/19/2016 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AK
  • 99603
Web
06/16/2016 Yes
  • Credit card
  • Other
  • TX
  • 77373
Web
06/13/2016 Yes
  • Credit card
  • Billing disputes
  • TX
  • 75223
Phone Older American
06/09/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 17543
Postal mail Older American
05/24/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • AL
  • 35124
Web
05/24/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • AL
  • 35124
Web
05/19/2016 Yes
  • Consumer Loan
  • Installment loan
  • Managing the loan or lease
  • CA
  • 93044
Web Older American
05/12/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 95355
Phone
05/11/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • TX
  • 76063
Web Servicemember
05/11/2016 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Indicated committed crime not paying
  • TX
  • 76063
Web
05/10/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30058
Web
04/11/2016 Yes
  • Other financial service
  • Debt settlement
  • Excessive fees
  • FL
  • 32448
Postal mail
04/09/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 92509
Web
03/30/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MN
  • 55379
Web
03/29/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92054
Web Servicemember
03/26/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60608
Web
03/20/2016 Yes
  • Credit card
  • Billing disputes
  • CT
  • 06477
Web
03/20/2016 No
  • Credit card
  • Billing disputes
  • CT
  • 06477
Web
02/27/2016 No
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 92880
Web
02/25/2016 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75216
Web
02/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23185
Referral
02/05/2016 Yes
  • Credit card
  • Delinquent account
  • GA
  • 30344
Web
01/27/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 92877
Web
01/27/2016 Yes
  • Credit card
  • Billing disputes
  • DC
  • 20001
Fax Servicemember
01/26/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 95835
Referral
01/26/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 95835
Referral
01/26/2016 Yes
  • Credit card
  • Identity theft / Fraud / Embezzlement
  • CA
  • 95835
Referral
12/20/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 12701
Web
12/14/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19133
Phone
12/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 14513
Web
12/02/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NY
  • 14513
Web
11/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10452
Postal mail
11/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • LA
  • 70056
Web
11/12/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11236
Web
11/12/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 11236
Web
10/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 95126
Web
10/19/2015 Yes
  • Credit card
  • Other
  • WA
  • 98043
Web
10/19/2015 Yes
  • Credit card
  • Other
  • WA
  • 98043
Web
10/14/2015 Yes
  • Bank account or service
  • Other bank product/service
  • Making/receiving payments, sending money
  • PA
  • 19134
Fax
10/05/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21212
Postal mail
09/13/2015 Yes
  • Credit card
  • Delinquent account
  • CA
  • 92506
Web
09/03/2015 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • NY
  • 10473
Web
08/27/2015 Yes
  • Credit card
  • Billing disputes
  • MI
  • 48606
Postal mail
07/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Taking/threatening an illegal action
  • Attempted to/Collected exempt funds
  • NY
  • 11418
Referral
06/24/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 45801
Phone Older American
05/20/2015 No
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • ME
  • 04042
Web Servicemember
05/20/2015 Yes
  • Credit card
  • Billing disputes
  • OH
  • 44121
Web
04/03/2015 No
  • Credit card
  • Billing statement
  • OH
  • 43123
Web
03/25/2015 No
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MD
  • 21220
Web
03/07/2015 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • IL
  • 60604
Web Older American
02/25/2015 No
  • Credit card
  • Other
  • MA
  • 01109
Web
02/21/2015 No
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 75204
Web
02/18/2015 No
  • Credit card
  • Unsolicited issuance of credit card
  • TN
  • 37174
Web