Credit Plus Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/24/2021	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 33543	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 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 XX/XX/XXXX and XX/XX/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 XX/XX/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. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. CREDIT PLUS Inquiry : XXXX. XXXX, XXXX 2. CREDIT PLUS Inquiry : XXXX. XXXX, XXXX 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 BureauXX/XX/4503, IowaXX/XX/5224 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XX/XX/1201FL XX/XX/3230CC : XX/XX/1201 , FL XX/XX/3230 CC : XX/XX/1200 XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98004	Web
The Mortgage Servicer, XXXX, inaccurately reported a late on my credit the month after I sold my home. The home was sold in XX/XX/XXXX with the loan balance paid down to {$0.00} XX/XX/XXXX. XXXX reported a 60 day late to my credit report for XX/XX/XXXX. I have spoken with over 10 " customer Service '' and " superviser '' roles over the past month and the issue is still not resolved. This has caused me great burden as I am not able to get a pre-approval to buy a home. I have spent over 10 hours on the phone with them over the last month and XXXX hasn't sent me the letter stating that my account has been current at all times and the credit bureaus need to remove the 60 day late reporting XX/XX/XXXX. Every customer service representative and supervisor spoken with confirms I have always been current and have never been late and they have not resolved the issue despite my efforts for their help in this matter. Here is the account of actions taken> All calls made PST. Persons spoken with in the customer care department : XX/XX/XXXX XXXX. Called at XXXX XXXX. I told her XXXX XXXX listed a mortgage late. She said that XXXX XXXX does that sometimes but that the late is not on my report. She sees I was never late. XX/XX/XXXX XXXX. Called at XXXX XXXX. She put me on hold to look into this. The call immediately hung up XX/XX/XXXX XXXX. Called at XXXX, she picked up at XXXX PST. She submitted a request to the credit department to have a letter written for me and faxed to me confirming I my account has always been paid on time. She told me that she can not give me the " credit department 's '' direct phone number to follow up with them and said that " loss mitigation '' contact info is XXXX XXXX XXXX. She said that the letter was to be faxed in 48 - 72HR and confirmed my fax number. XX/XX/XXXX XXXX. XXXX PST. XXXX said the letter was submitted successfully to me. I informed him that I did not receive the letter. He put me on hold to look into it and he ended the call. XX/XX/XXXX XXXX XXXX XXXX. XXXX said he does see the fax request opened and closed the next day. He said fax with letter was sent around XXXX on XX/XX/XXXX. He transferred me to his supervisor. XX/XX/XXXX XXXX, the supervisor, picks up. XXXX states no letter was sent and that the request for the letter was closed. She said that XXXX can not send me a letter stating that my account has always been paid on time. She said that I needed to submit my credit report through the online portal " contact us '' secure messaging portal. I did so. She said this can take up to 30 days to " dispute '' the late reporting. She sent me the account activity on my loan. This is not suffient with the credit bureaus for the late to be removed from being reported to my credit, per Credit Plus. XX/XX/XXXX XXXX PST XXXX picks up XXXX. I request to speak with a supervisor. @ XXXX I am transferred to management. I am on hold until XXXX. The supervisor XXXX picks up. I let her know that I need a letter stating that I have always been current and to remove the late reported for XX/XX/XXXX. XXXX said XXXX doesn't provide letters. I requested exception. @ XXXX XXXX said a supervisor is expediting my request to get a letter generated for me via the " consumer solutions '' department. XXXX said she will check XX/XX/XXXX to be sure the request is processed. XX/XX/XXXX XXXX PST. I call and select the " call me back '' option rather than waiting on hold. No call back. @ XXXX PST I call the number again and this time I wait on hold instead of selecting the " request a call back '' option. @ XXXX I am speaking with XXXX XXXX the supervisor. XXXX states that " Since I paid off the loan while it was in forbearance a late was reported ''. She states that the system shows I requested the account be taken out of forbearance XX/XX/XXXX ( a week after the loan was paid down to XXXX balance ). I let her know I did not make such request. She told me she is expediting my request to get the Letter detailing that i have always been current and to remove the late XX/XX/XXXX reported. She informed me I should have this letter by XX/XX/XXXX. XX/XX/XXXX call XXXX PST. XXXX picked up XXXX and transferred to me to " leadership ''. XXXX picks up at XXXX. No resolution. I am told to wait. XX/XX/XXXX Call XXXX XXXX XXXX added note to the credit letter order and told me this is due XX/XX/XXXX. XXXX confirmed all info needed for fax/email/postal mail correspondence of this letter. XX/XX/XXXX XXXX XXXX PST This call lasted until XXXX PST. XXXX XXXX was the supervisor in the " escalations department '' who handled this call. She stated that the request was NEVER PUT INTO ESCALATION and that she was putting it into escalation now. She re-requested my request for Verification of Mortgage payment history which I was supposed to have received previously. As of this date I have not received the letter necessary to update my credit report with my lender so I am being denied a home loan. Interest rates have risen significantly since this matter began and this has caused me financial hardship, loss of income from not being able to spend this time working that I have spent trying to resolve this matter. I request full action to help resolve this matter and hold XXXX accountable for their lack of ability to perform the basic duties of their jobs.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 97229	Web
XXXX was the original loan servicer. XXXX transferred the loan to XXXX XXXX XXXX in XX/XX/XXXX. At the time of the loan transfer from XXXX to XXXX XXXX, Mr. XXXX was beginning a 90-day, covid-related forbearance. That placed the loan in forbearance for XXXX, XXXX, and XX/XX/XXXX. The loan, now with XXXX XXXX, came out of forbearance on XX/XX/XXXX, and Mr. XXXX paid XXXX XXXX {$15000.00} - 3 MONTHS OF LOAN PAYMENTS PURSUANT TO THE FORBEARANCE. That is how the covid-related forbearances work. You get a break for 90 days and then at the end of your forbearance, you catch up. In a recorded telephone conversation with the representative of XXXX XXXX, they clearly state XXXX XXXX XXXX " honored '' Mr. XXXX 's 90-day forbearance in process by XXXX in XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent Mr. XXXX an email addressing the late payment reporting confirming the forbearance " was inflight '' during the transfer from XXXX to XXXX which again the transfer of the loan began in XX/XX/XXXX. First of all, the inconsistency in the XXXX reporting on this report is obvious. XXXX reported the late payment for XX/XX/XXXX in XX/XX/XXXX when they no longer owned the loan. This is evidenced by the reporting of XXXX XXXX on page 1 of the Credit Plus report which shows they owned the loan as of XX/XX/XXXX and reported " As Agreed '' for 7 months. The other notably inconsistent reporting on the Credit Plus document by XXXX is that on XX/XX/XXXX they were reporting a 60 day late payment, when in fact we are talking about 1 month ( XX/XX/XXXX ). How can the late payment from XX/XX/XXXX, which would not be late until XX/XX/XXXX be late 60 days late on XX/XX/XXXX? The answer is that is impossible and it is not 60 days late - a false reporting by XXXX. It is our strenuous allegation that XXXX reported to the late payment to get a deal on the loan transfer, and that is not a coincidence that the late payment reporting crosses over with the XXXX obtaining the loan, which they XXXX agrees was in forbearance when the transfer of the loan began in XX/XX/XXXX. Mr. XXXX is prepared to take legal action against XXXX under the fair debt collection act for the false reporting of his mortgage payments in XX/XX/XXXX. Again, the Derogatory Summary of the Credit Plus report is misrepresented by XXXX. Notwithstanding that the above in that ( a ) XXXX sold the loan to XXXX while in forbearance, ( b ) that an inaccurate late payment reporting is beneficial to the lenders in this industry, and it obvious from the paper trail that the late reporting occurred during a forbearance and transfer of the loan to a new servicer, XXXX is not credible in its reporting simply for misrepresenting a 60-day late payment, when XXXX itself verified that late payments are not reported until after the last day of the month, and the only late payment is XX/XX/XXXX and the late payment is reported on XX/XX/XXXX - 17 days, NOT 60! Therefore XXXX is not a credible reporter and their reporting should be scrutinized and ignored. on or about XX/XX/XXXX, XXXX pulled his individual credit reports directly from XXXX XXXX and XXXX. None of the three major reporting bureaus have evidence of a late payment as purportedly reported by XXXX for XX/XX/XXXX. All three credit reports were emailed to you on XX/XX/XXXX. These reports all verify the 90-day forbearance in place for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The attached XX/XX/XXXX is an XXXX forbearance form letter. The Covid19 mortgage pause forbearances are regularly 90 days. For example, in XX/XX/XXXX, XXXX called XXXX for a current forbearance. The form letter was generated immediately ( day of the call ), confirming terms of the plan : begin date, retroactive to XX/XX/XXXX, end date XX/XX/XXXX, plan term 3 months, with a XXXX payment required during the 3-month term. The previous forbearance with XXXX occurred the same way : Call made to XXXX on XX/XX/XXXX ( confirmed by XXXX during call on XX/XX/XXXX. Forbearance retroactive to XX/XX/XXXX. However, in XXXX 's case, XXXX transfers the loan and XXXX honors the 90-day forbearance, as confirmed in audio of XX/XX/XXXX. XXXX 's XX/XX/XXXX mortgage statement shows the 3 months of payments related to the forbearance made on XX/XX/XXXX, curing the forbearance of 3 months. This payment is consistent with the terms of the 90-forbearance started with XXXX in XX/XX/XXXX, transferred and honored by XXXX when the loan was sold/transferred, and completed pursuant to the forbearance terms.
06/05/2016	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	CO 80525	Web
XX/XX/2016, my wife and I were in the market to purchase a home in the XXXX XXXX, Co market. We identified and negotiated a price with a newly built home by XXXX XXXX. As part of the offer, XXXX XXXX tied us to do the following for the deal we negotiated with them : 1 ) close before XX/XX/XXXX and 2 ) use only their preferred lender XXXX XXXX. Both our representative at XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX XXXX ) confirmed that pricing would be subject to working exclusively with them. They also represented that loan pricing would be no different than what would be offered by any other lender, and that this relationship for efficiency and a smooth transaction. We proceeded with the application in good faith, and I even turned in the taxes, statements, cancelled checks and offer letters normally required by other lender with whom I had spoken prior to receiving the application to be signed. From this point forward we had several issues that arose : -The application was sent to us, prefilled and with inaccurate information that we had to correct, and the processor we worked with at academy made the transaction anything but prompt resulting in the closing being delayed by at least one day. -Academy then stated to us that our credit scores were too-low for preferred pricing and provided us rates XX/XX/XXXX that were fully 0.50 % above relative competitors. When I asked what our options were, I was told the following in summary : 1 ) That we could submit for a XXXX through Credit Plus ( the credit reporting agency used by XXXX XXXX to conduct their credit investigation ). 2 ) That we would need to pay down certain cards as instructed and that Credit Plus would then contact our creditors to confirm the balances and then assign the higher credit score even though our credit reports would not have been updated on the regular monthly cycle. 3 ) That this would not result in an additional inquiry and we would have results in about 3 business days from submittal. We agreed to the process and paid the subject credit accounts within less than 4 days of receiving the instruction and promptly sent statements to be reviewed. We did not receive a result from credit plus for nearly 2 weeks and they simply stated that none of the accounts we had identified had confirmed our payments, and then we were further informed that the rate originally quoted to us was not available anymore due to market fluctuations. We disputed this issue with Credit Plus, and they only agreed to research the matter further when we sent proof from our actual credit reports showing the balances paid. However the rep I was communicating with at Credit Plus stated that it would be 30-45 days for response and we were scheduled to close within 8 days. To this day, Credit Plus has still not responded on our credit reports and we closed more than 45 days ago. To achieve a final rate of 3.75 % on our loan we had to buy 2.5 interest points at the cost of about {$10000.00} and our rate was not locked in due to this debacle until less than XXXX hours before closing. During this same time period I received verbal rate quotes from XXXX XXXX and XXXX XXXX XXXX for rates at 3.75 % with XXXX points, but when we asked XXXX and XXXX if we had any options we would result in a loss of our good faith deposit and face fines from the builder for breach of contract. After closing we filed complaints with all three companies and have received no response. We feel their business relationship was coercive, corrupt, and anti-competitive. Additionally we feel these practices created an unfair and deceptive environment for us. We want either the difference of interest cost paid to us for the life of the existing loan or the cost of the XXXX points so we can get a new loan in a fair market.
12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
Hello, I am looking deeply into my credit reports now as I am on verge on buying a house and all mortgage companies refer to credit report as important parameter to decide providing loan as well as to decide what rate of interest I will fit into. I am from XXXX and first time house buyer and was not aware such serious implications of credit scores and reports on my capability to purchase house. When I investigated my credit report, I found many credit enquiries on my report that I DO NOT RECOGNIZE AT ALL. I have never provided written authorization to any of these companies to run my credit and there is no reason for any company to run credit on me as I do not open any cards or did not go and purchased anything during this time frame that needed credit score run. Following are the list of credit enquiries on my XXXX report that I DID NOT AUTHORIZED and NOT PROVIDED ANY ORAL OR WRITTEN APPROVAL TO RUN THEM : 1, CREDIT PLUS Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. XXXX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX 4. XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Tenant screeners ( reseller ) Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX 5. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX All enquires seem to be this year, I have authorized only Informative Research to run some enquires Also, following are enquiries on my XXXX report that I did not authorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CREDIT PLUS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX enquiry is made by XXXX XXXX XXXX. The lady on the phone kept talking and told me I doing soft search so nothing will be coming on my report, then she run full score WITHOUT MY CONSENT and then leaves the company. When complained to XXXX XXXX they accepted mistake by their company and told me they will reverse the enquiry. After repeated follow ups by several emails with XXXX XXXX XXXX officers he did not completed the taks of reversal of their employees faulty enquiry though I told them I might have to go to legal route if they do not take care of wrong enquiry made by their employee. On XXXX XXXX, I had a complaint against the merchant XXXX XXXX who falsifying opened XXXX XXXX financing account when I did not asked for it. On top of that XXXX XXXX RUNS TWO CREDIT ENQUIRIES!!! Since this particular financing option was NOT AUTHORIZED BY ME, both the enquires made by XXXX XXXX need to be removed from my report. I have no idea who is CREDITPLUS OR XXXX and why they are running credit enquiry on me during may this year. Please note I am staying in same apartment from last one and half year so there is no question that my renter has run credit and I did not open any card or did any purchase with credit enquiry. Also following enquires on my XXXX Report are NOT AUTORIZED BY ME : 1. XXXX/XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX / XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 3. CREDIT PLUS : :XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84404	Web
I submitted a home loan application through XXXX XXXX XXXX who used a third party reseller Credit Plus Inc to obtain my credit information. This complaint is about Credit Plus Inc and not XXXX XXXX XXXX. I have no issue or concern with XXXX XXXX XXXX. During the loan processing " Credit Plus Inc '' calls me and proceeds to tell me that I need to call my bank input my account number, and PIN and then let " Credit Plus Inc '' talk on behalf of me to obtain personal financial information in order to fix, update or correct my credit report. I deny this request and the customer service representative from Credit Plus Inc explains that Credit Plus can not obtain any updated information from my bank without me calling and getting this financial information with them on the phone i.e he uses this term a " conference call '' where the Credit Plus Inc customer service representative speaks on behalf of me to update the need credit information. If I do not allow this " conference call '' and verify this information that my loan will be denied by the underwriter at XXXX XXXX XXXX. I immediately call XXXX XXXX XXXX and ask if they know who Credit Plus Inc is and if this is a common practice. XXXX XXXX XXXX says yes, that they use XXXX XXXX but that XXXX XXXX has ways of validating this information through verification of deposit, and that they haven't heard of them contacting the customer. I also call XXXX XXXX XXXX XXXX ( XXXX ) or the bank in question by Credit Plus Inc, and ask if this is a common practice in the mortgage industry. XXXX informs me that it is not common, nor is it safe and acceptable. That professional financial institutions and authorized credit resellers have methods of obtaining this information through verification with the lender in question. That mortgage lenders use a POD to verify there's sufficient funds to pay the down payment and closing costs for a property, or to verify any concerns or updates to a person 's financial information. XXXX XXXX XXXX XXXX informs me that their institution will not provide any information over the phone to a third party credit resellers. That " verbal validation '' or a conference call method is not a best practice, common practice, or even a safe practice within the mortgage industry. Verbal validation or this conference call is never acceptable for credit updates, loan processing or underwriter 's approval. In order to update a credit report or process a loan there needs to be a paper trail or POD through verification. That all three credit bureaus require a letter, back by financial information in order to update or correct any information. That it is the third party reseller 's responsibility to make sure the service that they are providing is accurate and complete. The reason they are in business is to provide mortgage companies with accurate and complete information. My credit union 's suggestion was to tell " Credit Plus Inc '' to follow the already in place methods and work with XXXX XXXX XXXX. Also to supply any required documentation needed i.e bank statements, payoff letters, and or title documentation to my lenders only and never to give anything to a third party or credit reseller. Credit Plus Inc is pulling credit, providing a service to lenders that is inaccurate and not complete ; and practicing unsafe methods in order to obtain, repair, and correct credit information and reports. A consumer should never provide personal or financial information over the phone to a third-party, nor should verbal validation or a " conference call '' be a prudent form of verifying the accuracy of a credit report, or even updating it.
02/17/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with fraud alerts or security freezes	CA 94063	Web	Servicemember
I received an email alert regarding a change on my credit report. Apparently, there was some application for a credit card, in which I did not fill out. In addition, my account had been locked, permanently and I don't know how this is still happening. Most importantly, I could really use your help, as my husband and I had to close our checking account ( that very quickly went from over 100k to XXXX in a few months ). While SOME of this, was indeed us, we definitely did not spend all THAT money. It mostly went to household expenses and also payment for my XXXX XXXX treatment, above what my insurance pays, a far cry from XXXX. As of last week, {$0.00}. Also last week, I'd deposited over 10k. There is something extremely strange happening. One of the charges on my card linked to my checking account, for example, had a number on my statement. It was from the previous day, which was last week for an order. I know and knew for a 100 % fact, that I did not purchase anything that week. And, I don't purchase from that company. And, to add more info, the card it was charged on was a card that was deactivated due to previous fraud. It makes no sense to me how an old card that is supposed to not work, was able to get into my account. I told the representative what was going on and who I was. She asked me my name, number and address, to which I complied. She told me she did not have anything in my name or with my checking account debit card. I then told her that the charge was in fact from a now deactivated card due to fraud, that had been deactivated some time ago. Good thing I kept it because I had all of the numbers. The representative told me the name that was used for the order happened to be a name that I knew. It was " XXXX XXXX XXXX ''. This was my old married name over a decade ago. The email address she gave me I have never heard of! Over the past few months, I thought everything was getting low due to my illness however it disappeared practically overnight and I really don't know why. There are a bunch of charges that don't belong to me. But they somehow have my information. Also, I don't want you to believe I didn't make charges myself because I did as well as my husband. However there are many that we can not explain. It's at the point now where we have close to that account and will open a new checking account elsewhere. However, because we have a mortgage with this credit Union, we must keep our savings account. I really don't know what to do. That was our savings and our " in case of emergency '' fund. It was being used in case of an emergency, ( my XXXX diagnosis and treatment ). Now, I am fearful that we will face delinquency, possible bankruptcy, foreclosure, you name it. My husband does work full time and I am returning to work full time myself soon, as I need to. I do not have a choice with this happening. It is my worry about what might happen in the interim. it's something gets behind and how we would even going go about figuring out what went wrong? The credit Union doesn't seem to care. Anyhow, I apologize for the long explanation. I locked my account again there is a lender credit check on my account that was done within the last couple months but that should be all. We were looking to refinance for a lower rate. Credit card- I did not apply for. I know better. But, I just don't know what to do in the interim-so wanted to make you aware of this so that you might be able to make the other bureaus aware and point me in the right direction?. If you need to reach me please, definitely do. Thank you so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/15/2020	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 Problem with personal statement of dispute	CA 91343	Web
On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX CA, XXXX. We spoke via the XXXX online video conferencing service. I received Mr. XXXX 's information via the California Department of Fair Housing, since their website instructed me to look for loan counselors if I wanted to learn more about what a home loan is. I contacted Mr. XXXX with the intent of learning about the home loan process, and what is required, NOT to apply for a home loan. The reason for this is because I have high amounts of student and personal debt, and I wanted advice on what I could do to improve my chances of being approved for a loan. One day before we had the conversation on Friday, XX/XX/2020, I received an email from Mr. XXXX 's company saying that I was given access to a personal document portal on their website. Mr. XXXX spoke to me on the phone regarding this service, before our video conference, and told me that this service was so that he could learn more about my financial picture. HE DID NOT AT ANY POINT TELL ME THAT I WAS BEGINNING THE LOAN APPLICATION PROCESS BY SUBMITTING THESE DOCUMENTS. THE ATTACHED COPY OF THE EMAIL INVITING ME TO UPLOAD MY PERSONAL FINANCIAL DOCUMENTS DOES NOT INDICATE THIS EITHER. I submitted the documents believing that Mr. XXXX would use them to develop a better understanding of my circumstances, and not as a substantive step, or consent, to beginning the loan application process. During the conversation, Mr. XXXX and I spoke about the different products the California Fair Housing Department Offered. He then said, " let me run your credit I'll let you know what might be available to you. '' I remember asking him if it was a hard credit check, to which he replied " no. '' I thought it was a soft, not hard, inquiry. Mr. XXXX did not at any time tell me that it would be a hard credit check, nor that I was formally beginning the loan application process. HE ALSO DID NOT RECEIVE MY EXPLICIT CONSENT TO A HARD CREDIT CHECK. On Monday, XX/XX/2020, I ran a soft credit check via the XXXX XXXX website. It showed a hard inquiry dated XX/XX/2020, from a company called " Credit Plus. '' I contacted Credit Plus, and they told me the company that requested the check was XXXX XXXX XXXX. I called them and spoke with their Regulatory Counsel, XXXX XXXX. She told me that the credit check had indeed been done by XXXX XXXX XXXX, and I then proceeded to explain the aforementioned circumstances. She advised me to contact Credit Plus, and let them know I was making a formal dispute, and that she would contact Mr. XXXX and investigate further. On XX/XX/2020, I received an email from Ms. XXXX claiming that she spoke with Mr. XXXX and determined that I had explicitly consented to a hard inquiry, and that by submitting my personal financial documents to the XXXX XXXX XXXX XXXX, I had begun the actual home application process, even though I was not informed otherwise. I informed her of the erroneous characterization of the conversation on Mr. XXXX 's part, and reaffirmed that I wanted to the inquiry removed, or I would proceed with administrative action. She replied to me the same day, and affirmed that she would not be removing the inquiry, and that I had consented to the inquiry. I then gave her notice that I would be filing this very complaint.
01/18/2019	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	NY 12553	Web
OnXX/XX/18 I contacted XXXX to ask who gave permission to access my credit report. on XX/XX/18. XXXX stated that the request or my credit report was generated by Credit Plus Inc. I contacted Credit Plus Inc. and was told the request was made by : XXXX XXXX XXXX, XXXX, New Jersey by XXXX XXXX, a Senior Vice President. On XX/XX/XXXX, I called XXXX and he told me that I gave him permission when I answered questions. That is in part accurate. I did answer questions but made it clear that no permission to release my credit report would come without my brother 's blessing, who I had co signed on a house loan for over {$90000.00}. XXXX was told that confirmation from my brother to allow a report would be needed for me to proceed with the C R request .That same day, ( XX/XX/XXXX ) XXXX sent an email directing me to call Credit Plus Inc. , so that credit information of mine could be released. This is a clear indication that XXXX asked for the report when he knew I had not given him permission. You would think that XXXX would at least spell me name correctly. He submitted XXXX XXXX when I am clearly XXXX XXXX, XXXX.. I asked Credit Plus to send me a copy of the Request from me to release my credit report. Instead, they sent it to XXXX and the XXXX XXXX XXXX XXXX XXXX sent the following report on Letterhead : XX/XX/XXXX, To Whom It May Concern, Per the Banker, Mr. XXXX gave him all his information as a co signer. The banker told him he was running the credit and even discussed with him after he ran it. Also, the borrower received a set of Initial Application documents. My line by line response : Mr. XXXX gave him all his information as a co signer. ( I gave him some information, XXXX never said that he would use the information to supply to The three big Credit Reporting Agencies, in order for him to receive my report. ) The banker told him he was running the credit and even discussed with him after he ran it. ( XXXX NEVER SAID HE NEEDED THE INFO TO RUN A CREDIT REPORT. XXXX REFERENCED CREDIT INFO OF MINE WHICH LET ME KNOW THAT HE HAD ALREADY RECEIVED INFO. I MADE IT CLEAR THAT MY CREDIT REPORT WAS NOT TO BE RELEASED. THE REASON THAT HE DISCUSSED THE CREDIT REPORT WAS BECAUSE I QUESTIONED HIM AS TO WHY HE LIED AND SAID I GAVE HIM PERMISSION. ) Think about this system where all a company like Credit Plus Inc can have your credit info without a signed release. an E document release or a recored proclaimation. Even the Compliance Review officer from Credit Plus Corporate couldn't get proof from one of his own officers. Now today, I spoke to XXXX as to why I receive a letter from Credit Plus saying that a conversation with XXXX ( XXXX ) caused the request be converted to a soft-inquiry.. According to the agent from XXXX, there is no record of how that was done, A former employee asks to see if I would co sign. She tells you, you only have to be on the mortgage for 5 or 6 months. Once XXXX said that could not be guaranteed and I also related my brother would not wish for his info to be released as a part of my credit report. We were done. XXXX was told I would not give permission to release my credit report yet he lied and got it and even tried to trap me into calling Credit Plus without saying who they were. Thank You
10/17/2018	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	AL 352XX	Web
Unknown For Profit Corporation Credit Plus Date of Inquiry : XX/XX/2017 Reason : this inquiry was made without my knowledge or consent and I disputed, and requested to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately. They have ignored several request to provide supporting documentation. I tried calling to get a response, but was told it was requested by myself via XXXX XXXX which I have never heard of. I contacted Credit Plus and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask they DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete To my knowledge, I have not signed any documents authorizing Credit Plus or XXXX XXXX to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If they are in possession of any document that believe I authorizes their organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure they will agree that verifying my information is in their best interest. Finally, assuming they do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Credit Plus also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI XXXXX	Web
On XX/XX/XXXX, I disputed inquiries that are on my credit report for XX/XX/XXXX and XX/XX/XXXX from Credit Plus. Credit Pluss response follows : Thank you so much for contacting Credit Plus. We are reaching out to the mortgage company, XXXX XXXX XXXX to provide Permissible Purpose per Fair Credit Reporting Act Standards for making the credit inquiry, and will be sending all correspondence to you via postal mail Fair Credit Reporting Act ( FCRA ) defines the term " permissible purpose '' is defined as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. Reiterating : unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. My questions ; Is Credit Plus claiming to be a Consumer Reporting Agency? WHY DOESNT CREDIT PLUS HAVE THE REQUIRED DOCUMENTATION? Here is the problem and a potentially big one. Why would Credit Plus need to reach out to XXXX XXXX XXXX for copies of A PERMISSIBLE PURPOSE document ( written/signed authorization from me )? Credit Plus claims they followed the law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. But under that law it states very clearly for the extension of credit, they must have my written permission. " in accordance with your written instructions '' It seems Credit Plus has a policy that is reckless and violates the FCRA. Upon speaking with a Credit Plus supervisor " XXXX '' admitted they provide individual credit reports to creditors on a good faith bases. That is insane particularly in todays world. It means that any business employee can contact Credit Plus for any individuals credit report. Remove the inquiries from my credit report immediately by Monday XX/XX/XXXX
06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87123	Web
At fault party : Credit Plus My home loan lender, XXXX XXXX in XXXX, NM, requested a credit report supplement from Credit Plus to reflect that I have and still am making payments on my student loans since the federal government has placed everyone in forbearance due to COVID-19. On XX/XX/XXXX I called Credit Plus and spoke to Agent XXXX who said that she would conference me with XXXX XXXX ( student loan lender ) so that my credit report would reflect payments made instead of no payments made since my bank statements and credit report reflect a payment amount and I spoke to XXXX XXXX agent XXXX who confirmed that I am not only making payments, but above the minimum {$0.00} set by the forbearance status. XXXX asked XXXX questions such as : 1. What my student loan account balances? 3. When and what was my last payment are on each account? 4. When are the next payments? 5. When am I expected to pay back loans, etc.? XXXX answered all questions, confirmed I am making payments and that I wont owe anything on each account until XX/XX/XXXX. Per XXXX, she would adjust my credit report comment that I am making payments and send the new report to my lender and officer XXXX XXXX. After XXXX received the report, she notified me that Credit Plus still did not make changes to reflect that payments are being made even though my bank statements show that I have and still make payments and verification with XXXX XXXX. My credit report is still showing the comment no payments made after verification and spending an hour on the phone with XXXX and XXXX. XXXX failed to make changes to my credit report when she said she would. XXXX didnt even have her questions prepared and she had to put XXXX and I on hold three times to ask her leadership what to ask me, during the conference call. I believe this unchanged credit report is part of discrimination and intentional.. XXXX not only failed to update my credit report but she was being coached to asked questions that had nothing to do with the supplement requested by my lender. This is delaying my ability to get my home loan, it is unprofessional and part of structural racism. I asked XXXX for a copy of the questions she asked during the conference call and the information she received from me. She said she would send it to the lender instead of emailing it to me to withhold this discriminatory practice. The reference number to my case with Credit Plus is XXXX Resolution : THE REPORT SHOULD BE SAYING THAT I AM MAKING PAYMENTS SINCE I AM MAKING PAYMENTS ; confirmed by my home loan lender and student loan lender.
07/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90029	Web
On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including Credit Plus to report the error with no response. I found later that my XXXX report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from Credit Plus about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.
09/30/2018	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	NC 28277	Web
My credit was pulled by XXXX XXXX on XX/XX/18 and I received an email from the agent on XX/XX/18 informing me that I did not meet the required XXXX required to qualify for a mortgage loan. He further went on to advise that the next communication I would receive would be from an agency advising what I needed to do to increase my credit score. I was initially upset about this, because I was opposed to having my credit pulled and I was basically urged by XXXX to have it pulled. I have a very clear picture of my financial position, and I informed the agent that I didnt want my credit pulled at that time because I wasnt in a position to buy a home at that time. I was encouraged to call XXXX XXXX in regards to a credit repair program. Nevertheless, there was no follow-up with any further information as promised. I was then asked by a buyer 's agent if I would mind speaking to someone else in another XXXX XXXX XXXX. I said sure, whoever is going to be able to guide me and get me the help I need. I received a call within the next day or two from another agent. I was upfront with this individual just as I was with the prior agent. The new agent ask me several questions basically confirming information I provided on my previously submitted loan application but never did we discuss submitting a loan application or pulling credit, because the other office had already pulled credit on XX/XX/XXXX. I am disputing both credit inquiries and would like them removed immediately, because the services that XXXX presented and the end-goal was totally misrepresented as presented to me. The second agent asked me several questions during our phone conversation, and any information obtained was for the sole purpose of identifying me so that he could retrieve my credit file in XXXX system since he did not work in the same physical office as the prior agents. There was never a discussion, nor did I express an interest in submitting a new application. The main concern that I expressed was trying to determine how the middle score was obtained through the first office in my denial with no explanation, because I knew my credit score should be higher. I simply wanted to know if credit scores for mortgages were determined using a different method than general credit applications, and I clearly explained that to the agent. I authorized the credit pull on XX/XX/XXXX however the XX/XX/XXXX pull was completely and totally unauthorized.
07/19/2016	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	CO 80525	Web
Company response indicates the following : Response Credit Plus has received a complaint that you posted in the CFPB complaint database. The complaint is a joint complaint against both XXXX XXXX and Credit Plus. It 's unclear to us as to the nature of the complaint against Credit Plus, so could you please clarify the nature of the dispute, if any, with Credit Plus. Sincerely, Credit Plus, Inc. Clarification : Credit Plus failed to properly follow it 's own policies as presented to me and my wife. When opting to use the 'rapid rescore ' service we were told that providing proofs of statements showing payoffs would result in a rescore to the model as proposed by Credit Plus without an additional inquiry and the process would take less than a week. Instead what happened was that Credit Plus repeatedly claimed that the credit accounts paid were not being confirmed by creditors, even after our own credit reports were showing the accounts paid off and we provided subsequent month ending bank statements. Additionally our credit was pulled repeatedly resulting in our score being lowered. When escalated, the process remained opaque and the process was never explained to us, nor was an adequate escalation resolved when it became clear that Credit Plus was doing much more harm than good. Even though we were following the instructions provided to us. This harmed me and my wife in the following ways : 1 ) It robbed us from making an informed decision by either improperly and otherwise failing to disclose the policies/processes of Credit Plus. This may have resulted in us hiring a different lender. 2 ) This further injured us by resulting in our rate not being locked until the day before closing and resulting in a significantly higher rate than had we locked at the time. 3 ) Our credit reports were repeatedly dinged resulting in lower credit scores overall despite that we were informed that the process did not involve a hard pull on credit. Ultimately, by not providing clear, simple disclosure, we were unable to make an informed decision, and resulted in my wife and I paying a rate approximately 0.40 % higher than had we locked on the first day. Carried over the life of the loan this is a financial loss to us of {$32000.00}. Ultimately we would like this as compensation for being misled so that we can apply this to the balance of our home loan and offset our injury.
01/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60178	Web	Servicemember
I received an email from XXXX XXXX XXXX on XXXX XXXX. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from credit plus with a response from XXXX XXXX XXXX XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application.
03/10/2018	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	MN 55124	Web	Servicemember
On XX/XX/XXXX, I submitted an online application at XXXX mortgage giving permission to pull my credit for a loan. Two weeks later, XXXX pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. The following are the emails from XXXX mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.
06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77081	Web
I monitor my credit report very carefully as I am in the process of trying to obtain a loan with XXXX XXXX. On XX/XX/2019 I received an alert that my credit was pulled. I checked with my lender as the inquiry was from Credit Plus and the alert said a Lender has requested a copy of your credit report. My current lender assured me this was not their inquiry as they no longer use Credit Plus. I was contacted by my previous Lender on XX/XX/2019 about the same time my credit was pulled. He called to follow up in my house search I made him aware that I had found a lender that worked with me and my house closing is this month. The next morning I checked again with my lender to make sure it wasnt her team that pulled my credit and again she assured me it was not her. I tried to contact XXXX XXXX my previous lender to verify if he pulled my credit report but he did not answer. I text him and he indicated he did pull my credit report by accident due to him having another customer with the same name. However I find that very hard to believe if you have to give all my personal information name, address, date of birth and social in order to run my report. My lender then asked me to contact his manager to make him aware and to have them remove the illegal inquiry. I contacted XXXX XXXX XXXX come to find out XXXX doesnt work for them anymore he is now at XXXX XXXX. I then contacted his current manager and still no response. I had to call around to get XXXX XXXX current email and managers email. Once I obtained this information I emailed his old manager XXXX XXXX current manager XXXX XXXX and XXXX XXXX on the illegal pulling of my credit report. Not only did he illegally pull my credit report but he took my personal information from XXXX XXXX XXXX and used it to pull my credit through XXXX XXXX. I received an email from a XXXX XXXX on XX/XX/2019 expressing apologies on the accidental pulling of my credit and they would work on reversing this act. To this day nothing has been done and the inquiry remains on my credit report. I need this matter investigated immediately. Regards XXXX XXXX XXXX
02/16/2020	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	TX 78414	Web	Servicemember
The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX and XXXX have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX XXXX - XX/XX/XXXX -1 to XXXX XXXX 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, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX XXXX - XX/XX/XXXX -1 Inquiry to XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX Credit Plus - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX XXXX XXXX - XX/XX/XXXX -1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX1 inquiry to XXXX XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX
05/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28210	Web
I am trying to secure a home loan at XXXX XXXX XXXX in XXXX NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have contacted 5 of the 5 accounts which are fraudulant accounts to have them closed or to inform 2 of the accounts that have balances, that they were not opened by myself. One of the organizations XXXX XXXX acknowledged the fraud activity when none of the information provided matched their information. The other organization XXXX XXXX XXXX has been highly uncoorperative. They have been contacted over 6 times since X/X/17 when the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on X/X/17, two more times with dates I did not document.On X/XX/17 I spoke to the floor supervisor XXXX who opened a case report and informed me that someone would contact me to further the case. No one called. OnXX/XX/XXXXI spoke to XXXX who opened a case, took down my information and told me someone will call me. Noone called. On X/XX/17 I spoke to XXXX and XXXX who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of time they have charged me a 30, 60 day late charge and reported to XXXX, XXXX, XXXX lowering my credit score. I was also informed that they are going to charge me a 90 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed XXXX to help in the battle. XXXX XXXX will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are XXXX XXXX XXXX and credit card division XXXX XXXX XXXX.
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08016	Web	Servicemember
I am a victim of an old creditor ( XXXX XXXX ) running my credit without my authorization. In addition, when I disputed the claim the banks response was that I gave a verbal approval, based on past relationship. The initial request from XXXX XXXX ( XXXX XXXX ) to refinance my mortgage happened on XX/XX/2020. My response was no, because at the time I had additional obligations that may have prevented me from exploring this. He asked me if I could send him some bank or pay information and I declined to respond. What XXXX did not know is that at the time of the call, a team member from my job was in the room, heard the entire conversation, and the denial of running my credit. On XX/XX/2020, I received a credit alert from my credit profile that a hard inquire from Credit Plus ( XXXX XXXX ) had been pulled. I immediately emailed XXXX and asked him to explain why this has occurred and my objection to this unauthorized action. He never replied to the email ( see attached ). On XX/XX/2020 I also reached out to a Consumer Law firm to get advice on how this could occur and ask for support in the matter. Several days of no response from XXXX XXXX and then on XX/XX/XXXX, an erratic message from XXXX stating that he knows I wasn't sure, but you were ok with me checking and that a refinance looked good. On XX/XX/XXXX, he called again begging for me to work with him. I never spoke to XXXX anytime other that the call on XX/XX/XXXX or XXXX, which was initiated by him, stating that I am unsure and I would get back to him on what I decide. XX/XX/XXXX, I wrote a dispute statement to Credit Plus to fix this error, as my efforts with the credit bureaus weren't successful. XXXX responded with false claims that I gave verbal approval, as stated earlier. I am truly disappointed about the power merchants have in reviewing and running a consumer profile at leisure. Then to send this fabricated statement back in response is a second violation of my rights. Please assist me in removing this authorized inquiry from my profile.
01/16/2018	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	ID 83642	Web
I am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with XXXX, bringing my XXXX score to a XXXX. My mortgage lender uses Credit Plus to pull credit reports & rescores. In an effort to bring my score up 2 points with XXXX, I payed down a credit card. Instead of going up ( as predicted ) my score shockingly dropped 9 points with XXXX! Credit Plus and lender had no idea how or why. Credit Plus contacted XXXX, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. XXXX corrected the information. However, according to Credit Plus, XXXX said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. XXXX is pointing the finger at Credit Plus, saying they corrected their mistake, and Credit Plus can request a new score. And Credit Plus is pointing back at XXXX saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. I 'm being told there is nothing that can be done by Credit Plus. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. I received information back on the rescore on XXXX XXXX, 2018. Also, no one from Credit Plus will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to XXXX & Credit Plus is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, Credit Plus has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.
02/20/2018	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 480XX	Web
RE : Request to remove Unauthorized Inquiries or provide documentation of Authorization Dear Sir or Madam, On XX/XX/XXXX I filed a dispute concerning inquiries from Credit Plus claiming I did not authorize hard credit pulls on XX/XX/XXXX and XX/XX/XXXX. Credit Pluss response was ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. Credit Plus is a " reseller '' of credit information and provides credit report information from the 3 credit bureaus at the request of clients per the Fair Credit Reporting Act guidelines. If you did not authorize access to credit data ; please file a new case. Again I specifically asked for documentation from Credit Plus, I do not care who they pull my credit for, they can not pull it without the proper authorization and if they are pulling credit reports without the proper documentations from it's clients then that is also a monsterous violation of the FCRA. The inquiries are in the name of Credit Plus not some other third party. Credit Plus claims they follow the guidelines of the FCRA, then follow them. So again, I did not authorize Credit Plus or anyone else to pull my credit on XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX, XX/XX/XXXX, Therefore per FCRA, either provide the proper documentation that I authorized credit Plus to pull my credit reports from XXXX, XXXX and XXXX for those dates or remove the inquiries immediately. Here was my request I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. Please remove the unauthorized inquiries from my XXXX, XXXX and XXXX reports or provide me with the unredacted documentation that gave Credit Plus permission from me to pull my credit on the dates listed. Thank you for your assistance in this matter,
09/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48047	Web
THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/XXXX a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached. The company the responded : Hello, We have received notification that you have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), under the date of XX/XX/XXXX, regarding an inquiry from Credit Plus on XX/XX/XXXX reporting on your credit report. Please be advised that Credit Plus , Inc. is a reseller of credit reports and it was out client XXXX XXXX that pulled your credit report on XX/XX/XXXX. If you do not believe that you authorized this inquiry, please contact us directly, our contact information is below. Thank you, Credit Plus , Inc. XXXX XXXX XXXX XXXX, MD XXXX Phone : XXXX Fax : XXXX Email : XXXX Herein lies admission to being involved as a third party. The company never gave me the solution I demanded but rather shifted responsibility. Per attached exhibit- the company Credit Plus ( IS ) listed as the reporter. So pursuant to 15USC 1692e this is misleading representation and this is a violation of my consumer rights. This false representation includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization.
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 023XX	Web
I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The information for this inquiry listed on my credit report is : CREDITOR XXXX CREDIT PLUSXXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX INQUIRY DATE XX/XX/2021
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 023XX	Web
I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The information for this inquiry listed on my credit report is : CREDITOR : CREDIT PLUSXXXX XXXX, INQUIRY DATE XX/XX/2021 CREDITOR : XXXX XXXX, INQUIRY DATE XX/XX/2021
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 451XX	Web
I have been trying to dispute two inquiries on my account. The first inquiry is by Credit Plus/XXXX XXXX XXXX XXXX on XX/XX/XXXX. The second one was made on XX/XX/XXXX, and it says only Credit Plus on the inquiry. These were made without my consent or knowledge. The company XXXX XXXX XXXX XXXX was contacted about my disputes, and they used text messages between me and the loan officer, XXXX XXXX as evidence that I consented to the credit pulls. I received a letter from Credit Plus on XX/XX/XXXX, stating my dispute was denied because of the text message evidence. This information is false because the last day I talked to him was XX/XX/XXXX. He messaged me several times throughout the year, and I didn't text back. My credit was pulled twice, and I did not talk to anyone from a mortgage company, nor did I go to a different mortgage company for a year and seven months. The only date I messaged XXXX back was XX/XX/XXXX. I have been wanting to work on my credit, but I haven't worried too much about it the last two years, this is why I didn't catch the inquiries right away. I made sure to text message XXXX XXXX from XXXX XXXX XXXX on XXXX XXXX and said, " Do not pull my credit ever again. '' I also said, " The only credit pull I agreed to was on XXXX XXXX. '' XXXX XXXX agreed and said, " Yea that was the only time. We noticed you were getting back into things, what were you looking to get done? '' I told him I was not interested, and he continues on about how he has no idea what I am talking about. There was a mistake made somewhere both by XXXX and Credit Plus. They are refusing to acknowledge or look at my evidence. The dates of the text messages were overlooked and ignored. I have researched this company and they have done this to many people, and they act like it's a mistake if they do acknowledge they illegally pulled your credit report.
04/29/2019	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	GA 31705	Web	Servicemember
To : CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Credit Plus put several credit inquiries on credit report that I find to be problematic. I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. I wanted to file this as well and make sure this gets done. I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter, XXXX. XXXX XXXX
01/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
03/30/2018	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	LA XXXXX	Web	Servicemember
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXXwith a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
03/30/2018	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	LA XXXXX	Web	Servicemember
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX
03/30/2018	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	LA XXXXX	Web	Servicemember
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
07/23/2015	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NJ 08302	Web
Credit Plus continues to do hard inquiries on my Credit Reports without my authorization. I have a true identity alert on all XXXX credit reports and any credit checks are required to be authenticated per the FCRA. To date Credit plus has done several hard inquiries without calling the number on my credit reports to ensure these are legitimate credit inquiries. Credit Plus did a hard inquiry on XXXX XXXX, 2015 and then again on XXXX XXXX XXXX, 2015 without calling me as required by FCRA law and without my authorization. Please see hard inquiries below. XXXX Unauthorized Credit Hard Inquiries by Credit Plus1. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. 2. CREDIT PLUS XX/XX/2015XXXX, a change to your XXXX credit report has been detected which may LOWER your credit score : a new inquiry listing CREDIT PLUS was placed on your credit report on XXXX/XXXX/2015. FCRA Law605A. Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ii ) Verification. If a consumer requesting the alert has specified a telephonenumber to be used for identity verification purposes, before authorizingany new credit plan or extension described in clause ( i ) in the name ofsuch consumer, a user of such consumer report shall contact the consumerusing that telephone number or take reasonable steps to verify the consumer 's identity and confirm that the application for a new credit plan is not the result of identity theft
08/12/2019	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	WY 82801	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX
02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 73099	Web
I was working with a mortgage company named, XXXX XXXX. That company did not obtain my authorization to run my credit again on XXXX and XX/XX/XXXX, far outside of the initial 30 day period of our mortgage application. Because it was outside of that 30 days these 2 credit pulls very negatively impacted our credit scores by more than XXXX points. I tried requesting that they politely remove these inquiries. At first, they agreed to. Then they changed their minds and refused to. They have only spoken with my wife over the last month and have never spoken to me. Not once. I have proof that it was their inquiries that destroyed my scores by way of my membership to XXXX and the subsequent alerts that come with that subscription. The company has written back and claimed that their score " simulator '' is more accurate and that the inquiries are shown to be inconsequential. They have also stated that my permission is implied through the application I filled out online on XX/XX/XXXX but I never saw or read anything about MULTIPLE HARD INQUIRIES more than 30 days apart. I've been through the home buying process before and I know what is entailed and I've never seen a company do anything like this before. They have put my wife on the verge of a nervous breakdown. All for a pre-qualification that we never even got. And now we are left with credit scores so bad we can't even qualify for a rental for another 3 months and they REFUSE to correct their mistake.
08/16/2019	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	WY 82801	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed: XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX Made by: XXXX XXXX XXXX XXXX XXXX, MD XXXX(XXXX XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX
09/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	NJ 07003	Web	Servicemember
XXXX XXXX & XXXX XXXX of 2018 I received my credit profile from a mortgage lender ( XXXX XXXX ) which included errors. My first thought was that the error was just a mistake, but when the second file had the duplicate entry I filed the dispute. Credit Plus is the credit report provider for mortgage companies and I am having a difficult time receiving information. I called twice on XX/XX/XXXX to follow up on my dispute and was cut short by one representative that was rude and not helpful. I emailed this company twice and was told they have to wait for the manager to assign the case to a representative. How long does this take? No one has acknowledge my request yet. This inaccurate information is having a negative impact on my credit and score. I checked my three reports with the major bureaus and do not see this duplicate entry ( XXXX XXXX line of credit ). This makes me believe that this Creditplus mortgage report is the one reporting incorrect information. Additionally, the mortgage company had to run my credit twice which has caused my score to decrease. I asked the company before filing the dispute if they will provide a new report and accurate score once complete and they stated no. The only way to regenerate the credit and score is to pay. Why am I being penalized for these companies reporting this improper data? I am in the process of getting a mortgage and this is hurting my chances of obtaining a mortgage.
03/22/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	PA XXXXX	Web	Servicemember
I am receiving back to back calls from ( XXXX ) XXXX XXXX, XXXX XXXX XXXX.. harassing me.. File XXXX ( ( XXXX XXXX ) ) @ ( XXXX ) XXXX ... that i will be handcuffed at work or where ever i am served and arrested as of TODAY XX/XX/19 as the sheriff department in XXXX XXXX PA.., if looking for me for an outstand Warrant for a debt that is on my credit report with an outstanding balance of which i need to give her my credit card number or bank account number ASAP to STOP the ARREST WARRANT!! Ms. XXXX is rude and very disrespecftul and absolutely scary.. I as Ms. XXXX to send me this in writing so i can see this for myself and she replied YOU KNOW ALREADY ITS ON YOUR CREDIT REPORT.. I XXXX XXXX HAVE NOT A CLUE OF THIS COLLECTION AS THIS IN FACT IS NOT ON MY CREDIT REPORT NOT TO MY KNOWLEDGE AT ALL.. I don't have any thing to do with this and i ask for proof as i will not ever give information over the phone Ms. XXXX then curse and hang up on me .. VERY VERY DISRESPECTFUL.. I then called back once i went into the Bank which themn spoke to a Ms/ XXXX XXXX @ XXXX who wanted NOTHING to do with answering these questions about the on going phone call coming from Ms. XXXX and she also disconnected the call .. I wanted to address the fact that Ms. XXXX said was going to have me arrested and the Bank said this if FRAUD and gave me FCC website to report this harassment ASAP!!
02/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 480XX	Web
Hard Inquiries are reporting on my credit report that I did not authorize. On XX/XX/2017, I provided authorization to Credit Plus to pule my credit report ONE ( 1 ) time. However, it seems Credit Plus went ahead without further authorization to pull my credit from XXXX, XXXX and XXXX on the following dates : XXXX : XX/XX/2017 or ( XX/XX/2017 ) or ( XX/XX/2017 XXXX & XX/XX/2017 or ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. XXXX : XX/XX/2017 ( XX/XX/2017 ) & XX/XX/2017 ( XX/XX/2017 ) ( I did NOT authorize these hard credit pulls and I am requesting for Credit Plus to either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. I am not sure why each credit bureau shows a different date but either way, Credit Plus did not have my authorization.
06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH XXXXX	Web
I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
05/05/2016	Yes	Credit reporting	Credit monitoring or identity protection Billing dispute	CO 81301	Web
I was notified by a mortgage broker there was a negative credit report from XXXX XXXX XXXX on my credit report. It stated there was an amount due for a charged off account, reported XXXX/XXXX/XXXX. I called XXXX, and was directed to a division that handled revolving credit accounts at XXXX. This department was unable to locate the account or me by my social security number. I then called XXXX and they have no record of any past due account. However, they had changed banks from XXXX XXXX to XXXX XXXX. I then sent a certified letter on XXXX/XXXX/XXXX to XXXX with account number, my name, social security number, address, phone number and email address. I requested to have someone contact me so I could verify this was my debt, and make payment arrangement. The letter was signed in acceptance at XXXX XXXX on XXXX/XXXX/XXXX. I have heard nothing in writing or via email from XXXX XXXX. When I called them, they could not find the account or me by social security number. I am requesting that XXXX contact me in 30 days to verify the validity of this account, and make available to me a way to pay for account. If they are unable to verify this account, I am requesting it is removed from all XXXX credit reporting agencies, and I am provided with a written notice of such. Thank you, XXXX XXXX XXXX
07/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA XXXXX	Web
I filed the below complaint with Creditplus. " Creditplus has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what Creditplus is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it. '' The below is their response. I have not authorized Credit Plus or " XXXX XXXX to pull any of my credit information. '' CreditPlus is not taking responsibility for the reporting. I am re-opening this case with both Credit plus and XXXX XXXX and requesting the immediate removal of this fraudulent hard inquiry from my credit report. On XX/XX/2016, " XXXX XXXX '' pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc.
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	TX 77407	Web
remove address the are not mine and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - inquires not mine address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX need to add my correct address and XXXX XXXX only. brains of the 3
12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29405	Web
There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted XXXX XXXX who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact XXXX XXXX to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. I also have a credit inquiry on my report from XXXX XXXX on XX/XX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XXXX & I have no need or use for XXXX XXXX XXXX. I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. Their reportings are in violation of the FCRA.
02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98006	Web
On XX/XX/XXXX, I received an alert from XXXX about a new hard inquiry in my report from a company called Credit Plus. I have never dealt with that company nor heard of it before. I called Credit Plus and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called XXXX and was transferred 3 times to different teams that handle disputes without actually getting help from any. This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to XXXX without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. XXXX has still not taken action to remove them. In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). I kindly ask that XXXX removes the following hard inquiries and incorrect personal information : - Credit Plus on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - XXXX XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''
03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 760XX	Web
When the government enacted the Cares Act with Covid I missed payments for federal student loans. I did receive notification of late payments, but believing that they were in error as the loans had all been put into a suspended state I ignored the letters. When I did follow up as to why I was still getting letters ( that I believed to be in error ) I was informed that the accounts could be brought up to date under disaster measures and then put into deferment. I accepted that resolution and then paid the accounts in full the following month. I am currently, working to refinance my home. My credit score has been devastated by this delinquency. A delinquency caused by a misunderstanding. The misunderstanding that occurred because XXXX did not well communicate that these loans did not qualify for protection during this unprecedented worldwide disaster. It is not uncommon to receive notifications in error from my student loan holders. There were wrong communications during XXXX XXXX and XXXX. Everything in the news and otherwise indicated that these loans were protected. I have contacted the XXXX XXXX and was offered a letter of good standing but not something that will remove the marks from my credit history.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 338XX	Web
XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plusXXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
07/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL XXXXX	Web	Older American, Servicemember
XXXX made two inquiries to my credit report with XXXX on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my XXXX and Credit Plus, who both did the same exact thing for the mortgage broker/lender. Credit Plus made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a XXXX and Credit Plus that the mortgage brokers used to obtain my credit file.
06/08/2020	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 64030	Web	Older American
On XX/XX/2020 there are 3 inquiries from XXXX XXXX and two from XXXX XXXX. These are ALL REgarding ONE refinance inquiry I made. I contacted XXXX XXXX of XXXX XXXX. After sending him documents FOR TWO WEEKS to look for a lender as he deals with wholesale mortgage lending. He informed me that he had no time to work with me and said he was handing me to XXXX XXXX to manage. This guy sits in a desk near XXXX and he said he would give him my file. WITHOUT INFORMING ME, he pulled my credit report. However, instead of reviewing my file carefully, XXXX XXXX made TWO MORE inquiries on my credit file. I NEVER was told the name of his company XXXX, he simply made 2 more inquiries!!!! Further, he stated that he must 'pull a report ' three times for each bureau! He lacks understanding of the process and I want two of those inquiries removed as they were not done with permission or consent. I have another mortgage lender I am working with and they received ALL 3 credit bureau reports in ONE 'pull ' or inquiry. Thank you for helping me get these removed. I did confirm with XXXX XXXX that he works 'under ' XXXX XXXX but that he has his company XXXX.
10/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NE 680XX	Web
I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a Credit plus conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with XXXX XXXX XXXX and they state the account balance is XXXX and it had been turned over to XXXX XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?
02/05/2019	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	VA 22306	Web
In XX/XX/XXXX I had contacted a mortgage lender XXXX XXXX from XXXX XXXX in regards to possibly getting a pre-approval for a home loan with my fiance. I had provided him my information and told him that I needed to get my Fiances information before he ran my credit. I explicitly relayed to him to not pull my credit because I am buying a home with my fiance. XXXX XXXX disregarded my wishes and ran my credit anyways. This was done illegally and against my wishes. In XX/XX/XXXX, I contacted Credit Plus to remove the inquiries from my credit and The letter I received from them indicated no proof that the lender had permission to run my credit. In fact it states he received my permission verbally and through the phone. That is incorrect ; I never gave him permission to run my credit whatsoever. I as I had stated, I explicitly relayed to him that I did not want my credit ran until I had gathered my fiances information. The lender ignored my wishes and ran my credit anyways. That is completely unprofessional it reflects badly on the company.
04/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33510	Web
I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my XXXX credit report and XXXX credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX Date XXXX / XXXX / XXXX CREDIT PLUS XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX Date XXXX / XXXX / XXXX Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had ( 2 ) two b ills sitting in collections.The d ebt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications XXXX XXXX P XXXX XXXX XXXX XXXX XXXX XXXX , IN XXXX ( XXXX ) XXXX Date XXXX XXXX , XXXX Amount {$500.00}
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35806	Web
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them
09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 62040	Web
Before I hired my mortgage company or even of knew of XXXX XXXX XXXX, XXXX, XXXX ran my credit without my permission. Credit ran XX/XX/2021 ( this inquiry is reported by all 3 credit reporting agencies and XXXX ) ( XX/XX/XXXX notice attached ) Credit Plus XXXX XXXX XXXX XXXX, MD XXXX my actual lender was XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Mo XXXX I never gave either one of them permission to run my credit. I was informed by the company XXXX XXXX forms ( attached ) were illegally created and other loan modification papers were sign with a signature that uses my name but not signed by myself. XXXX has informed me these are forged documents created by XXXX. This is the mortgage company I eventually ended up using and get and gave them permission permission to run my credit at a later time on XX/XX/2021. The latest credit score was not used on my loan which was a much higher rate. A lock in rate was obtained prior to XXXX legally having permission to a much higher credit score.
09/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WY 82801	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following company : 1. CREDIT PLUS XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. ( XXXX ) XXXX XXXX
08/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL XXXXX	Web
On XX/XX/17 I received a message from a credit monitoring services that my credit as well as my husband 's credit had been pulled by Credit Plus. I called the company right away and they stated that XXXX XXXX XXXX had used their platform to pull our credit. However, my husband or myself had never given authorization ( verbal or written ) to have our credit pulled. We disputed the inquiry with credit plus ( file number XXXX ) and they stated that it can take 30 days to have the inquiry removed, since XXXX XXXX XXXX has 20 days to respond. We are in the process of waiting for our credit to improve, since we paid off a lot of accounts, and it is still not showing in our credit. It was very important to us since we are going to be applying for a home loan soon and this inquiry can hurt our score and stay for 2 years. It is not fair that consumers go through this. The regulations must be changed and credit companies must request a written signed document before they allow any company to pull credit reports.
09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21701	Web
1. CreditPlus - I never provided this agency permission to run my credit. If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. DATES : XX/XX/XXXX, XX/XX/XXXX. 3. XXXX XXXX - I never granted this agency to access my credit. If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the XXXX loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. DATES : XX/XX/XXXX & XX/XX/XXXX. 4. XXXX - Im not familiar with this transaction. I tried calling but was not able to reach anyone. DATES : XX/XX/XXXX
08/21/2019	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	WY 82801	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611. XXXX XXXX
07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
Credit Plus misused the access I gave them to my credit reports and over the course of 6 days managed to run my report on 3 additional days for a total of 6 inquiries than what was authorized throughout my home buying process. These excessive inquiries are preventing me from obtaining the credit needed to purchase a vehicle. The only AUTHORIZED inquires were from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The following is a breakdown of the UNAUTHORIZED inquiries : XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX & XXXX & XXXX XX/XX/XXXX XXXX After discovering the excessive inquires, I contacted Credit Plus and they provided no relief. I then received a copy of the authorization I signed with my lender which did not say that they would use my credit reports excessively. They did not address the fact that I was disputing inquiries that were not authorized. I am disappointed in the process for which they chose to use my authorized signature to retrieve my credit report on so many unneccessary occasions.
10/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53213	Web
I submitted a report about my credit being pulled without my authorization. I want the inquiry removed from my credit report. Credit plus responded back " On XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc. '' As I stated in the original report, I DID NOT AUTHORIZE ACCESS TO MY CREDIT DATA. My husband mentioned in casual conversation to someone from XXXX that we might be refinancing this year, and they took it upon themselves to PULL MY CREDIT to check rates. We did NOT authorize a credit pull, and no one ever spoke with me at all, they just accessed my information from when we were originally applying for loans back in XX/XX/XXXX.
03/02/2017	Yes	Mortgage Conventional fixed mortgage	Application, originator, mortgage broker	CA 92805	Web
I disputed a collection account on my XXXX credit report. On XXXX XXXX, 2017, XXXX confirms the account was deleted. On XXXX XXXX, 2017, Mortgage Lender obtains merged credit report from Credit Plus , Inc. that showed the account that was supposedly deleted. This affected my score and ability to obtain credit. I informed the Lender that the report was incorrect. Lender had me call Credit Plus directly who told me they could correct the report, but only if the Lender requested such. Lender informed me that this correction would cost {$150.00} and he would not do it. I contacted XXXX who confirmed the account was deleted on XXXX XXXX, 2017 and that anyone who ran my credit the next day would not have seen the account. Alternatively, XXXX may have deleted the account and failed to inform me that such deletion would not report for a matter of days. Either way, now I 'm stuck with either having an additional inquiry on my credit report or not getting my refinance.
11/21/2019	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 349XX	Web
This company " Credit Plus , Inc '' identifies themselves to be a reseller of credit reports and has a contract with " XXXX XXXX XXXX XXXX '' At no time in the past have I had or attempted to initiate business with either company. I AM NOT INTERESTED IN BUYING A HOME, I am a full time XXXX and would like to desire my first time home buyer experience with my future husband. I have said this over and over I was recently out I the market trying to buy a car, but to my surprise an inquiry for a car and home landed on my credit report. I am not sure how and why this happened? What I do know for certain is that this is an act of fraudulent activity. Moreover, XXXX XXXX was not able to validate the " Hard '' inquiry on my credit report and decided to suppress the same from all 3 bureaus. ( Please refer to the attached CFPB Final Response from XXXX ) I expect " Credit Plus Inc. '' to do the same or else I will be seeking legal help and monetary compensation.
02/02/2021	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	VA 231XX	Web	Servicemember
I was shopping for the best mortgage rate beginning on XXXX-through XX/XX/20. However, CREDIT PLUS, XXXX, XXXX XXXX XXXX, and XXXX XXXX were all third parties that were used in this process. However, CREDIT PLUS is responsible for pulling my credit as a hard inquiry from XXXX XXXX on XX/XX/20 which has a file # XXXX, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. Secondly, XXXX XXXX requested my credit to be pulled as a hard inquiry on XX/XX/20 and it is listed as file # XXXX. Needless to say, both inquiries were authorized, but it should be listed as a soft inquiry because it was within the 45-day grace period of shopping for the best mortgage rates. Therefore, I would like for both of the hard inquiries to be reported as soft inquiries since they were implemented during my 45 day window of shopping for the best interest rate for a mortgage.
01/04/2020	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	NV 89032	Web
I am requesting the following inquiries be removed off of my credit reports all three XXXX, XXXX XXXX and XXXX due to fraudulent activity and being a victim of fraud since XXXX. The following dates show XXXX XXXX placed an inquiry on all three of the credit reporting agencies without my consist. Please remove the following dates due to being a victim of fraud. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX fraudulently pulled my credit on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit. Credit Plus fraudulently pulled my credit on the following XX/XX/XXXX These inquires need to be removed from all three of my credit profiles XXXX, XXXX and XXXX XXXX I am a victim of identity theft and did not give permission for the review of credit.
04/12/2019	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 206XX	Web
In XXXX of 2017, I was applying for a mortgage with XXXX XXXX XXXX for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from Credit Plus would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from Credit Plus is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 Credit Plus - XX/XX/2017 2017
12/13/2018	Yes	Mortgage VA mortgage	Applying for a mortgage or refinancing an existing mortgage	NE 68046	Web	Older American, Servicemember
A Credit Agency known as ( CREDIT PLUS ) called me on XX/XX/2018 and acted as if they were a Federal Bank using what I call a scam telling me I have money in my escrow I can have paid back to me when in reality without telling me they were trying to get me to change my mortgage, consolidate, and were very aggressive over the phone refusing to listen to me. I did not want any part of it, yet the individual on the phone was very rude and after hanging up he called me back started to call me names. Since, I have had at least two credit checks by this company without approving them to look at my credit score or wanting to borrow money from them. They tried to get my credit card number and other personnel information. The following is the information I have on them : CREDIT PLUS Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX State MD Zip XXXX They claimed to be working with the XXXX XXXX XXXX.
06/16/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	DC 20003	Web
I have written a certified letter to this company asking for proof of my signature to allow them to pull my credit reports along with the credit bureaus. I have not received any proof. They have violated the Fair Credit Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I have requested that they either mail me a copy of my signed authorization form that gave them the right to view my credit within 5 business days and that letter was dated on XXXX XXXX, 2016 ( certified mail ) I have also asked the company for a payment of {$1000.00} if they did not have the signed document. Please find attached the response from the company stating they do not have a file in my name or under my social security number but they have not removed their company from credit report. They have abused my rights by pulling report 2-3 times in one week.
03/10/2021	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	FL 33781	Web	Servicemember
loan with XXXX XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent Annup # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even XXXX serving reported up until XX/XX/XXXX as reported on updated credit report. XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance
08/19/2021	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	NJ XXXXX	Web
I have these items that are not mine and i want them to ber emoved from my credit report. XXXX 1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. XXXX 1. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 2. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 3. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine. 4. Identity Theft CREDIT PLUS Account Number : XX/XX/XXXX This is not mine.
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 34785	Web	Older American, Servicemember
I am in the process of refinancing my VA loan with XXXX XXXX XXXX which was in the closing process when a credit reporting company ( Credit Plus , Inc reported an incorrect payment record on my XXXX XXXX XXXX home mortgage loan. This caused a crash in my FICO credit rating and my refinance application to be rejected. XXXX XXXX XXXX my current mortgage lender ALSO through a process of malfeasance reports my correct payment record on their web site BUT reported two ( 2 ) monthly payments 30 days late. to XXXX XXXX XXXX AND all three credit reporting agencies, My account is CURRENT and paid up to date BUT both XXXX XXXX and Credit Plus Inc intentionally misreported my actual payment record, causing 1 ) my refinance loan to be rejected and 2 ) my FICO credit rating to be REDUCED from XXXX to XXXX. These illegal reports of late payments have caused me great harm.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 339XX	Web
I recently checked my consumer report and noticed there was an inquiry from credit plus a company I never gave authorization to or known of.The date of the inquiry was on XX/XX/2021 I sent credit plus a demand letter stating that they were in violation of the fair credit reporting act and they sent me back a letter stating that they got my information from another company without my authorization which is Fraud Pursuant To the fair credit reporting act. I have attached files supporting my claim 15 USC 1681B-permissible purpose of consumer report 15 USC 1681M ( f ) -Requirements on users of consumer reports 15 USC 1681N ( 1 ) ( B ) -Civil liability for willful noncompliance 15 USC 1692B ( 5 ) -Acquisition of location information 15 USC 1692C ( 3 ) -Communication and connection with debt collection 15 USC 1692J-Furnishing certain deceptive forms
03/15/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	GA 30004	Web
CREDIT PLUS XX/XX/XXXX-XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thanking you in advance. We 're on it.
03/01/2019	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	TX 750XX	Web
On XX/XX/XXXX, I noticed a my credit score had dropped substantially in the midst of getting a general projection of my credit score ( via XXXX XXXX ). I saw a hard inquiry submitted by Credit Plus ( XXXX, MD XXXX ) submitted on XX/XX/XXXX. I have not tried to pull my credit, or apply for anything. I also did not give any permission to this company I have never heard of. I've filed through XXXX and let all XXXX Credit Bureaus know of my plan of action. I have read extensively of this company doing this quite frequently, and I am petrified for repercussions of them doing this in the event my credit score needs to be ran for whatever reasons ( new car/etc ). I truly beg you to help rectify this with this company, not only for me but for XXXX what I am sure ) is hundreds if not more consumers unknowing to their actions.
03/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84660	Web
Was cold called from a companyUnknown XXXX, asking if I was looking to refinance. I advised that there was a specific circumstance that I needed to raise my FICO before I proceeded. Was transferred to a lenderwhere they asked me for my information so they could see if I could be possibly pre-approved, I advised I did not want any activity on my credit report because I am working on raising my FICO before I can do anything. The gentleman at the company asked me to verify my DOB and SSN and told me I was not pre approved approved and hung up. That same day I was hit with a hard Inquiry from CReDIT Plus and I havent heard from them since. Deceptive, sounds like they were fishing for an account and when they saw they couldnt help they just hung up. No follow through no anything. I dont even remember the gentlemans name.
06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11423	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Credit plus which was made on XX/XX/2016. I checked my credit report, which I acquired from XXXX. I have contacted credit plus, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
03/15/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	GA 30004	Web
CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thanking you in advance.
03/15/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	GA 30004	Web
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thanking you in advance. CREDIT PLUS XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies
03/15/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	GA 30004	Web
CREDIT PLUS XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thanking you in advance.
05/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 480XX	Web
Back on XX/XX/XXXX I filed a complaint against CREDIT PLUS for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit Plus claimed to have authorization from XXXX XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or Credit Plus has provided any information. It has been well over the 30 days since Credit Plus could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, Credit Plus is well familiar with the law as their supervisor explained to me via phone and in their previous responses. Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.
06/08/2020	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 34787	Web
This is my second complaint is regarding Credit Plus and XXXX. They placed two unauthorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 they have removed the inquiry on my XXXX report but not the other inquiry on my XXXX credit report date XX/XX/2019. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XX/XX/XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
07/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IN 464XX	Web	Servicemember
In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. Thank you.
02/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS XXXXX	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX, GA XXXX add a hard inquiry on my credit report per XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
01/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 662XX	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60707	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports perXXXX XXXX and XXXX. On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
11/18/2015	Yes	Mortgage FHA mortgage	Credit decision / Underwriting	FL 33183	Web
This company send me a letter pretending to be my mortgage lender saying that i qualify for a reduction in my annual mortgage insurance premium. They ask me few question and told me that someone would pass by my house to sign some papers. I need to mention that they never identify themselves as an independent financial company, neither in the letter they send to my house they specified their name. Next day in my credit bureau it come out XXXX hard inquiry that i did not authorized or recognize from a company call Credit Plus. I call my mortgage lender and they told me to report this to the CFPD and to do n't sign any paper because they did not send or call me with this offer and provably it was an scam or and intent to refinance my loan without my authorization.
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84109	Web
My student loan servicer is XXXX They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.
08/10/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	GA 30324	Web
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. The company has not replied nor provided supporting documentation to validate the inquiry or removed the inquiry. Therefore, I am seeking your assistance in this matter.
02/13/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MD 21228	Web
There were XXXX fraudulent charges placed on my XX/XX/XXXX card. My card had a zero balance for almost a year so I was n't aware of these charges, or the following late fees place on my account because of them. The email address tied to my card was old, and the credit card company ( XXXX ) did n't mail me a statement. XXXX XXXX has agreed to remove XXXX of the late fees but not all of them due to a {$39.00} membership fee that was applied to my account. Now my credit report is showing a XXXX score when I had over XXXX originally. I found out about the charges while going through a refi on my home and my mortgage lender saw it on my credit report. He advised me to reach out to you for help. I keep up with all of my other cards and debts in a timely manner.
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43016	Web
I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record? Below are the details of the credit checks. Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
07/14/2020	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	OH 448XX	Web
On XX/XX/2020 I worked with XXXX XXXX to obtain an application for a loan. The application was online. There was a step in the application that had a checkbox asking for consent to do a hard pull on my credit report. I unchecked the already checked box, logged out of the website and did not proceed to the next step of the application. On XX/XX/2020 I saw that they had submitted my application through Credit Plus, which seems to be a Maryland based company. Upon contacting them with my dispute, after XXXX XXXX referred me to handle it there, they sent me a letter with my application enclosed stating it was authorized. I have been in contact with XXXX XXXX at Credit Plus but he has stopped responding. There was no consent by me for this hard pull.
01/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OR 97301	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
05/30/2022	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	NC 27519	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. "
05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN XXXXX	Web
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by each of these creditors. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into each creditor inquiry to determine who requested this credit inquiry. If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Thank you in advance, XXXX XXXX XXXX
10/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30241	Web
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC XXXXX	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, DEPARTMENT OF EDUCATION add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports per XX/XX/XXXX and XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries Credit Plus XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
04/04/2019	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	NY 10306	Web
I do not authorized This company to run or check my credit there is no prove signed or verbally to confirm my concern. Unprofessional costumer service rude and XXXX. They not try to resolve my problem but they answer back with attitude. All the conversation I have with there costumer service is voice recorded and will be upload and everybody will know with what kind of company deal with. They respond that they are 3rd party company and they run the credits behalf some other companies such I don't have no idea what they are and why they looking on my personal info and when you contact them after they broke down your credit they offer you service to repair and ask for a money to remove inquires this is a rip of.
04/04/2019	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	NY 10306	Web
I do not authorized This company to run or check my credit there is no prove signed or verbally to confirm my concern. Unprofessional costumer service rude and XXXX. They not try to resolve my problem but they answer back with attitude. All the conversation I have with there costumer service is voice recorded and will be upload and everybody will know with what kind of company deal with. They respond that they are 3rd party company and they run the credits behalf some other companies such I don't have no idea what they are and why they looking on my personal info and when you contact them after they broke down your credit they offer you service to repair and ask for a money to remove inquires this is a rip of.
08/16/2020	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	FL 34758	Web
On XX/XX/2020 My credit was accessed by a Credit Plus on behalf of an unknown mortgage company, I was trying to obtained a mortgage pre qualification, i have provided to them all the required documents and sensitive information, the mortgage broker responded via text message stating that i would be needing a co-signer in order to be qualified, no other information was given, i have made several request for them to provide me with written denial and reasons and none of those request have been met, i have reached out to them multiple times without success. They also informed that they did not pulled my credit report yet it remains as an inquiry on my report, please advised me in how to get this matter resolved.
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web	Servicemember
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount XXXX XXXXXXXX XX/XX/XXXX {$4000.00} XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries Credit Plus XX/XX/XXXX
03/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60491	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
11/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29707	Web
On XX/XX/, CREDIT PLUS add a hard inquiries on my credit reports per XX/XX/XXXX and XX/XX/XXXX On XX/XX/XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX. On XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX Please laminate hard inquiry efforts, remove and notify all credit bureaus such as XX/XX/XXXXand XX/XX/XXXX to delete an account immediately. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
05/31/2020	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 34787	Web
My complaint is regarding Credit Plus and XXXX. They placed XXXX unathorized inquiries on my credit on XX/XX/2019 and XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the XXXX Credit Bureaus and XXXX enforcement, please see below. Personal statement XXXX XXXX XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
11/02/2021	Yes	Money transfer, virtual currency, or money service Debt settlement	Fraud or scam	OH 452XX	Web
they called multiple times within a few days and left this message from multiple different numbers from different states with the same voicemail- sometime changing the name to XXXX XXXX Hey it's XXXX XXXX XXXX XXXX and I'm just following back up with your online request for getting some financial help and I was able to get you an approval that I think you're gon na like so just go ahead and call me back so I can give you the details just know that the program does have limited openings and is on a first come first serve basis so just call back soon to finalize the details my number is XXXX and anyone can help you out just in case I'm busy with someone hope this helps you out and we'll talk soon.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48047	Web
On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37027	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, CREDIT PLUS, on XXXX. XXXX, XXXX, XX/XX/XXXXand on XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40218	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, CREDIT PLUS, on XXXX XXXX, XXXX, XXXX-XXXX XXXX and on XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
03/21/2019	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	AZ 85143	Web	Servicemember
To Whom It May Concern : I recently reviewed my credit report and noticed the following authorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT PLUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33434	Web
It Stared with an old XXXX XXXX XXXX I used to owned with XXXX XXXX I was doing my own investigation who has the phone on XXXX XXXX XXXX. The phone was located Somewhere in XXXX, NY and also at a near by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NY where the crime took place in XXXX. The suspect are not making any payments of the Funds {$900.00} dollars. The suspect or suspects are still using the same phone number. My photo picture is still at use as a wallpaper when making a phone calls and the name XXXX still appearing.They are not making payments back. They hold Monthly payments of XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX Credit Score Report
12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 916XX	Web
I was in the process of buying a home with my husband. We worked with this company " Credit Plus '' We authorize them to make 1 credit run, but then I found 7 hard inquiries on my XXXX and 6 on XXXX. ( thru XXXX XXXX ) I already contacted the company multiple times, to different numbers, and I keep getting no answers. I called XXXX and they advice me to create a report in order to take care on those inquiries that are hurting my credit score significantly. Thank you. Inquiries : Name date 1. Credit Plus XXXX XXXX 2. Credit plus XXXX XXXX 3. Credit plus XXXX XXXX 4. Credit plus XXXX XXXX 5. Credit plus XXXX XXXX 6. Credit plus XXXX XXXX 7. Credit plus XXXX XXXX XXXX
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11374	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX XXXX Inquiry : XX/XX/2021
06/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78109	Web	Servicemember
i have about XXXX credit hard inquiries that were randomly on my account all within a weeks time frame. I did not make these inquiries as I was building my good credit starting at a score of XXXX , and these inquiries knocked me down to a score of about XXXX I have contacted the credit bureaus as well as the credit companies who processed the hard inquiries. They said it was authorized, although this was online transactions, that I did not do! I have authorized XXXX inquiries but at the time my ID was stolen by a former roommate, so I am assuming it was inquiries by this individual who no longer lives with me ... if not it has to be hackers!!
11/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37174	Web
On XXXX. XXXX, XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
08/15/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 300XX	Web
I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thank you for your help, XXXX XXXX
06/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 78717	Web
I applied for mortgage on XX/XX/XXXX and got a report stating that my XXXX score is XXXX. This report was provided to the broker by CreditPlus. I followed up with XXXX and they verified that the collection they was on file was all paid off. I verified with three other sources ( XXXX XXXXXXXX credit service, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) - all of them state my XXXX credit score is 800+ For some reason CreditPlus has it wrong. By now I have contacted them three times and I have on the wait for 45 minutes each time with no luck. There is no reason they should be reporting my score so low. My mortgage got denied because of that.
07/25/2019	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	DC 20020	Web
In XXXX I filled out an application for a Pre Approva letter for a mortagage and never completed the application process and on XX/XX/2019 I received credit alerts that I had a new Inquiry to my credit report. Credit Plus pulled my credit report without my consent. The application was never completed and I never authorized for my credit report to be pulled, they pulled my credit report and it had a major impact on my credit score with all 3 credit bureau 's. I have called the XXXXXXXX XXXX who I started the application process with and I have sent an email to Credit Plus who pulled the hard inquiry and still have not received a response.
12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
12/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, Credit Plus add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60008	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXX XXXX, 2020, CREDIT PLUS add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60005	Web
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-RISK RETAIL- XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, CREDIT PLUS Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
06/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60031	Web	Servicemember
I sent a 1st letter to CREDIT PLUS dated on XX/XX/XXXX ( Certified letter no. XXXX XXXX XXXX XXXX XXXX ), to provide me a verification letter showing that I have authorized this hard inquiry and CREDIT PLUS have not validated my request. Therefore, I sent a 2nd and final letter dated on XX/XX/XXXX ( Certified letter no. XXXX XXXX XXXX XXXX XXXX ), requesting them to provide me proof of authorization with my signature requesting a hard inquiry dated on XX/XX/XXXX. They continue ignoring the request. I indicated they need to pay me {$1000.00} for not validating my request based on the Fair Credit Reporting Act.
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 600XX	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX CREDIT PLUS add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
10/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX 77407	Web
XXXX XXXX - Closed Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$25000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$25000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 73 Months Company sold - Original creditor - Comments - Your statements -
06/24/2018	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	KY 40475	Web
Hello, Credit plus is showing as a hard inquiry on XXXX, XXXX, and XXXX. I've not applied for any credit or given any authorization. I've contacted credit plus and had no help in resolving. CREDIT PLUS Inquired on XX/XX/2018 XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX *I am working with a bank for a home loan, but I have a relationship with them already, and they said they don't need to pull my credit yet. They did not ask for authorization, permission, and didn't inform me. I haven't idea if this has to do with them. I spoke w/rep at bank, and she said she's never heard of them. Thank you
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30315	Web
IM FILING COMPLAINT AGAINST THESE COMPANIES FOR REPORTING UNAUTOHRIZED INQUIRIES TO XXXX CREDIT BUREAU : 1. 3. CREDIT PLUS XX/XX/2021 XXXX XXXX XXXXXXXX XXXX 2. XXXX XXXX XX/XX/2021 XXXX & XXXX XXXX 3. XXXX XXXX XXXX XXXXXXXX XX/XX/2021 AUTOMOTIVE XXXX 4. XXXX XXXX FINANCE, PERSONAL XXXX I'VE CONTACTED THESE COMPANIES AND REQUESTED THEY INVESTIGATE BECAUSE THEY HAVE REPORT INACCURATE INFORMATION TO THE CREDIT BUREA AND THAT I HAVE NO KNOWLEDGE OF THESE COMPANIES AND REQUESTED THEY PROVIDE ME WITH PROOF OF CONSENTING TO HAVE CREDIT PULLED. THEY HAVE IGNORED MY EMAILS AND WRITTEN REQUEST.
08/03/2021	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	PA XXXXX	Web
I have these items that are not mine and i want them to be removed form my credit. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
03/24/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	AZ 85282	Web	Older American
On XXXX XXXX, XX/XX/XXXX we received a discharge of our chapter XXXX Bankruptcy, which included XXXX accounts with XXXX XXXX. When applying for a mortgage prequalification, XXXX of the accounts show a BALANCE and LAST LATE of XXXX. Another shows a BALANCE of {$0.00} with a LAST LATE of XXXX. Credit Plus, Inc is the credit reporting agency used by my mortgage lender. On my XXXX report of XXXX/XXXX/XX/XX/XXXX these accounts have a status of " Discharged through Bankruptcy XXXX XXXX ''. I do not know why Credit Plus has this shown differently on their credit report.
12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	NJ 08080	Web
The owner of Credit Plus has a familiar relationship with my former employer Credit Plus ran my credit report without my knowledge and without my authorization I placed a phone to Credit Plus seeking employment with them I sent my resume never heard from the company today as I was checking my credit scores I see the company place a hard inquiry on my credit report I never gave this company permission to do this I never even met with anyone from this company they abused their power by running my credit report with my knowledge and or permission this is illegal
02/24/2021	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 Investigation took more than 30 days	VA XXXXX	Web
I applied to refinance my existing mortgage in late XXXX. I applied with two companies to price compare. So there should be two inquiries on my credit report. Unfortunately Credit Plus pulled my information twice, resulting in two hard hits on my report from them, and one from the other company. One was XX/XX/XXXX and one was XX/XX/XXXX ( from Credit Plus ). I reached out to them to file a dispute with their company, but they just sent me a letter stating that the inquiry was because of my refinance ... well yes, but what about the second one???
12/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 191XX	Web
I recently purchased a property in XXXX. However there are several hard inquiries that are negatively impacting my credit score even months after my purchase. I was told these would not hurt my score but that is not the case as I see these are being factored in : XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77007	Web
Hi, I need you help! I have reached out to both of these companies in the past. I discussed mortgage lending options with them. They were not allowed to pull my credit report! But yet I not see that they DID inquire and pull my report. I was actually told that they WOULD NOT pull my credit report. This is why I was discussing a loan with them in detail with the understanding but was not ready to purchase yet. Tricky!!! I would these crooks inquiries removed permanently from my credit report ASAP. # 1 - XXXX XXXXXXXX XXXX # 2 - XXXX XXXX
04/19/2019	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	IL XXXXX	Web
My husband and I were beginning the process of applying for a mortgage last summer and began association with the company XXXX XXXX. XXXX XXXX did a hard inquiry at that time on my credit which was good and close to excellent. XXXX XXXX proceeded to do hard inquiries at least three more times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX without my authorization which consequently has brought my credit down to an official " fair '' condition. I am paying an unfair consequence for actions this company took without authorization.
02/12/2021	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 Investigation took more than 30 days	FL 33414	Web
I have loan with XXXX XXXX XXXX in my home XXXX XXXX XXXX XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. I Am in the market to buy a home now. due to this late report i can't get loan approve. The Du come as REFER/ELIGIBLE.Please advise XXXX to remove this 30 day late reporting. I ATTACHED THE DU REFER/ELIGIBLE
07/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 02119	Web
XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date isXX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
06/14/2016	No	Credit reporting	Incorrect information on credit report Information is not mine	DC 20003	Web
I have written the companies as well as all XXXX bureaus to remove these inquiries off of my report. I did not give the companies that pulled my credit any type of permissions to do so. XXXX and Credit Plus have abused my report by pulling XXXX3 times in one week. Please see the attached document. I would like all of these hard inquiries taken off of my credit report. I have written letters to them to provide proof of my signing or requesting for their services and they have provided no information.
09/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29710	Web	Servicemember
There are innacurate fraudulent accounts reporting on credit plus that are not on my credit reports at all with XXXX XXXX and XXXX. I am a victim of identity theft and I have an attorney involved as well. These items need to be removed from the credit plus credit report because this is a third party and all three credit bureaus stated to me on the phone that they do not directly report any items to them to report on behalf of me. And this is a violation of the Fair Credit reporting act.
02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 804XX	Web
Credit Plus ( a company that I keep receiving junk mail from ) keeps pulling hard credit inquiries on my account without my permission. I have disputed this several times with the reporting agencies to no avail. How do I stop this unethical and unauthorized hard credit pull from continuing to happen??? Credit Plus pulled hard inquiries on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all without my knowledge or permission. This needs to be stopped!
09/06/2021	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 90047	Web
On XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX companies ran a credit report without my knowledge or consent. I called these companies personally to see how my information was obtained and was told that once the credit is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of these happenings. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft.
07/18/2020	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 32828	Web
Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.
06/04/2021	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	KY 410XX	Web
I never applied to these companies for any credit check. I never even saw these on my report until it dropped over 50 points on XX/XX/XXXX I never gave anyone or any company permission to run any credit or social security number for approval for auto or credit cards at any point. XXXX XXXX Inquiry : XX/XX/XXXX Auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CREDIT PLUS Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 18020	Web
My name is XXXX XXXX XXXX, last four of ss # is XXXX dob XXXX In viewing a recent copy of my credit report there are several inquiries that I do not recognize nor do I have a credit account, or any type of account with the company making the inquiry. Please assist me with removing them : XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Plus XXXX XXXX XXXX XXXX Card
09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90047	Web
On XX/XX/2021 a company XXXX auto financing ran a credit report without my knowledge or consent. I called the company to see how the obtained my information and was told that after report is ran there is nothing that can be done unless I call the credit bureau. I have no additional documents because I was unaware of this happening. I would like to add that I did lose my wallet and important documents which may have resulted in identity theft. thank you
05/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 20170	Web
While checking my personal credit reports which acquired from XXXX , XXXX and XXXX , I noticed an inquiry made by Credit Plus.I did not authorized anyone of this company to make inquiry and view my credit report.Credit Plus have violated the fair credit report act section 1681 ( B ) I request that Credit Plus mail me a copy of my signed authorization form that gave them the right to view my credit report so that I can verify its validity.
12/03/2019	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 Their investigation did not fix an error on your report	VA 245XX	Web
XXXX XXXX and XXXX XXXX conducted hard inquiries on XX/XX/2019. Credit Plus made two hard inquiries: One on XX/XX/2019 and one on XX/XX/2019. I was told they did two inquiries because the company had misspelled my name, which was not my fault. It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry. That did not happen with either XXXX XXXX, XXXX XXXX, or Credit Plus.
02/22/2018	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	LA 704XX	Web
I pulled my credit on XXXX XXXX and saw a hard inquiry from XXXX XXXX on XX/XX/XXXX who I have nor do I use and have never authorized a request for credit. There is no number to contact anyone and really would like to find out how to have this removed. Also on XX/XX/XXXX Credit Plus also pulled a hard inquiry, again do not know who they are nor have I requested credit through them. Please help me to remove these from my credit report. Thank you.
03/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33770	Web
On XX/XX/2018 I made an inquiry to an on line company about refinancing my home. I talked to the agent on the phone to get basic information. With out my consent or knowledge a Hard credit inquiry was run which has adversely affected my credit score. This is in error and will stay on my report for 2 yrs. The company used to do the credit report was : Credit Plus, XXXX, MD XXXX XXXX Any help in this matter would be appreciated. Thanks XXXX XXXX
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10468	Web
CREDIT PLUS, INC is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with CREDIT PLUS, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with CREDIT PLUS, INC for review or collection.
07/18/2020	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 32828	Web
My identity and credit card information was compromised, and several inquiries and credit accounts were created without my knowledge or consent. I have placed a Fraud alert on my credit profile as of XX/XX/2020, however the following creditors requested hard inquiries for my credit report. Please verify and prove to me that I did in fact apply for credit, or please remove the hard inquiry effective immediately as it is hurting my credit score.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33401	Web
I am in the process of purchasing a home and my credit report shows a " Collections Accounts '' section that includes a closed XXXX account. I was billed, and the account was closed and paid in full in XX/XX/2017, which is reflected on the credit report. This Collections Report is showing damage to my credit and to the purchase of a property for my XXXX I am including a copy of my final bill and payment as proof from the receipts in my email.
04/15/2022	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	IL 60636	Web
I contacted the blow companies requires that provide detail of application and that these are Fraudulent inquiries and please have them removed Immediately and had no reply. CREDIT PLUS ( XXXX XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX, XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30016	Web
FRAUDULENT INQUIRES OCCURED ON MY CREDIT FILE FROM THREE COMPANIES. FIRST COMPANY IS XXXX XXXX. XXXX ( XXXX ) FRAUDULENT INQUIRES OCUURED ON MY CREDIT FILE ON XX/XX/XXXX AND XXXX ( XXXX ) TIMES ON XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX. " XXXX XXXX XXXX '' IS THE 2ND COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX. " CREDIT PLUS '' IS THE 3RD COMPANY THAT PULLED A FRAUDULENT INQUIRY ON MY REPORT ON XX/XX/XXXX.
03/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30349	Web
I have been in writing letters to the main XXXX collection agencies and the companies that have been putting the inquiries on my report that I'm not aware of. They are telling me they can not be remove and are verified. I'm not sure how it was verified but I have asked on several occasions on how was the inquires validated and then there is no response because no one has proof I even applied for this credit and failed to respond.
09/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46214	Web
serval accounts has been applied in my name fraudulent from different leading and credit card company, for mortgages in the last 2 years, I have reached out to all companies that were applied in my name fraudulent. all companies agreed to remove remark from all 3 credit bureau. I also contacted credit XXXX XXXX, XXXX and XXXX to investigate this matter, never received any answer from none of the credit bureau. attached to file
01/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11510	Web
Good afternoon, On XX/XX/19 a hard inquire appeared on my credit without my knowledge ( I use XXXX XXXX and received an alert ). The company name is " Credit Plus ''. I do not know of this company nor have i ever been in contact with anyone from that firm/company to authorize them to pull my credit. Unfortunately my score has decreased due to this hard inquire and i would like to dispute and delete it from my report. Thank you
05/31/2019	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	NC 278XX	Web
On XX/XX/2019 I went to a dealership for an auto repair. The salesman ensured me that I would qualify for a new vehicle through trade. I insisted on having my credit report ran because I did not want another hard inquiry. The salesman stated that he has been in the business long enough that he could evaluate my credit worthiness without a hard inquiry. To my surprise, my credit report was indeed ran, and now I have a inquiry.
03/05/2022	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	IL 60076	Web
Last XX/XX/XXXX and XXXX, XXXX, I received notifications from my account in credit bureaus XXXX and XXXX, that Credit Plus through XXXX XXXX XXXX has pulled my credit report. This inquiries made were not authorized by me. I did NOT / NEVER authorize them to pulled credit report in my behalf. I have sent a dispute Letter and has not receive any replied from Credit Plus and has not removed inquiries from credit bureaus.
05/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78218	Web
On XX/XX/2018 Credit Plus made an inquiry on my XXXX credit report. Because I never authorized Credit Plus to pull my credit report, I contacted Credit Plus demanding they show valid proof they had permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Credit Plus never responded with any type of valid proof that they had permissable purpose to pull my credit report.
05/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78218	Web
On XX/XX/XXXX Credit Plus made an inquiry on my XXXX credit report. Because I never authorized Credit Plus to pull my credit report, I contacted Credit Plus demanding they show valid proof they have permissable purpose to pull my credit report pursuant to The Fair Credit Reporting Act. Credit Plus never responded with any type of valid proof that they had permissable purpose to pull my credit report.
10/27/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	IL 604XX	Web
There are multiple inquiries on my credit report from this company. I did not authorize any inquiries from this company. Apparently someone has access to my personal information, i did inform this company that my personal information had been compromised in the past, yet they still continue to report this erroneous information, and have allowed my personal information to be pulled multiple times.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77385	Web
The following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX CreditPlus. XX/XX/XXXX XXXX XX/XX/XXXX
05/17/2021	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	GA 30087	Web
The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. Companies are : XXXX XXXX Credit Plus, 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
10/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	UT 84404	Web
Credit Plus ran my credit 3 times for a refinancing on a home loan. I only agreed to two soft pull of my credit to refinance my home. When I confronted the loan officer he stated he only pulled my credit twice. But according to my credit report there are 3 hard credit pulls from Credit Plus. The dates are as followed : XXXX. XXXX XXXX XXXX. XX/XX/2020 XXXX. XX/XX/2020 2020
08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30318	Web
I do not recall paying my XXXX XXXX XXXX XXXX 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to XXXX XXXX XXXX. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX and XXXX. This has caused lot emotional stress. Please assist with this 30 day late removal.
04/05/2022	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	OH 44137	Web
I have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.
04/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45424	Web
I have a new hard inquiry on my credit report that I do not authorize. This company has already ran my credit score in XX/XX/XXXX ( reported on my credit report as of XX/XX/XXXX ). There is now a 2nd inquiry posted to my credit report as of yesterday, XX/XX/XXXX. I'd like this removed immediately as it is not an authorized inquiry and it effects my credit score.
05/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31210	Web
I am finalizing a mortgage refinance and have been keeping a close eye on my report. I noticed a hard pull on my report from XXXX XXXX , XXXX . My broker said this is generally a soft pull done right before closing to ensure no additional lines of credit have been taken out. In this case, it is reported as an additional hard pull and effecting the score.
07/08/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11213	Web
There is a bill owing to XXXX that i do not know about. I am trying to dispute the issue, and i am not getting anywhere with the company. I was told that they would send me paper work to be filled out, and it 's over XXXX weeks and i have not received it. I would like to do business and i can not do anything because of something that i do n't know about.
07/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60085	Web
I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 300XX	Web
CREDIT PLUS There are multiple repeated UNAUTHORIZED Hard inquired in my credit report ran by CREDIT PLUS. These items have been impacting my credit and unabling me to obtain needed credit, further impacting my family members lives. All ( THREE 3 ) CREDIT PLUS hard inquires must immediately be removed from my credit report of all credit bureaus.
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	IL 60707	Web
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CREDIT PLUS Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
07/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94402	Web
They are five hard inquiries on my XXXX Credit Bureaus report and are showing under my name. They are not authorized by me and they are not belongs to me. Therefore, all five inquires should be removed immediately from my credit report. 1 ) XXXXXXXX XXXX XXXX XXXX 2 ) credit Plus 3 ) XXXX XXXX XXXX 4 ) XXXX XXXXXXXX XXXX XXXX 5 ) XXXX XXXX XXXX
06/26/2021	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	MD 21144	Web	Servicemember
I have noticed these 5 unauthorized inquiries on my report and according to the FCRA these unauthorized items must be removed immediately. For, I am the original creditor and I did not give permission to any of these companies listed below : XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, CREDIT PLUS XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX
05/04/2021	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 76262	Web	Servicemember
I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX XXXX XXXX XXXXXX/XX/XXXX Credit plusXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXCredit plusXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
12/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 902XX	Web
Unknown inquiry on my credit reports from Credit Plus XXXX/XXXX/XXXX ... I have NOT authorized verbally, physically, or electronically any application, nor requested credit, or my credit be ran, nor any account by this organization! Also, do I know who they are! I also have a identity theft report filed with my local police department.
08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19154	Web
XXXX, XXXX and Credit Plus, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
05/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39503	Web
I submitted a letter t o Credit Plus inquiring ab out an inquiry on my credit report that I have no knowledge of. I received a response that stated I authorized XXXX XXXX XXXX XXXX to pull my credit. I have NEVER applied for a mortgage I have no knowledge of authorizing this and asked it be removed from my credit report.
03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33068	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Report Number XXXX I AM DISPUTING THE VALIDITY OF THE INQUIRY. None of these inquiries will have my signature on file and unless the company can show a hard copy with my signature, I ask that these inquiries be removed, and an updated report be sent to me.
11/16/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30060	Web	Older American, Servicemember
XXXX pulled my credit, file # XXXX according to XXXX XXXX ( the third XXXX ) I did not authorized the credit pull which was done on XX/XX/21 by XXXX with the file # XXXX. I have on file with Credit Plus XXXX pieces of ID and a police report stating I am a victim of ID fraud. Please remove this inquiry from my credit report.
11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46229	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 45days now and I have not received any investigation results. Today XX/XX/2020 make it 60days now that I filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.
06/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 303XX	Web
XXXX is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 Credit Plus XX/XX/2020 XXXX XXXX XXXXXXXX XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on XXXX XXXX and XXXX that I would like removed from all of these bureaus
01/05/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	VA 23320	Web	Servicemember
I did n't tell this Mortgage company to run my credit report the Loan office officer name is XXXX This loan officer ran my credit not once but twice and I tried to call he wo n't answer the phone. I need these inquiry off my credit report it bringing down my score Please deleted these inquiry from XXXX XXXX to XXXX XXXX
09/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30274	Web
Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.
10/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22033	Web
I have not gave permission for these companies to run my credit : Credit Plus or XXXX to run my credit. Please remove this from my reporting. Thank you so very much! Credit Plus has run my credit on these days : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX has run my credit on : XXXX/XXXX/XXXX
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 704XX	Web
The is a credit inquiry on my XXXX report for " Credit Plus '' dated XX/XX/2020. There is no contact information to contact the creditor to inquire about this inquiry. I have disputed this inquiry with XXXX and they stated that the inquiry is valid. However, I have not authorized this creditor to pull my credit.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 21207	Web
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDIT PLUS located at XXXX XXXX XXXX XXXX, MD XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
03/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA XXXXX	Web
On XX/XX/XXXX my credit report is showing inquiries from CREDIT PLUS company. I did not authorize these inquiries and would like them removed immediately from my credit report. Name of company - CREDIT PLUS Date of Inquiry Type of business XX/XX/XXXX CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
06/14/2019	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	AL 35950	Web
I mailed a letter dated XX/XX/XXXX about two inquiries that were not authorized from mortgage reporting. I had 1 inquiry that was authorized on XX/XX/XXXX. However, I have two others that were not authorized dating XX/XX/XXXX and XX/XX/XXXX. I never received a reply from the inquiry letter I sent either.
11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 349XX	Web
I recently was in the market to buy a car and had my credit pulled for that purpose ONLY. To my surprise I have a " XXXX XXXX '' hard inquiry on my report as if I were buying a home. I do not know of this company nor am I affiliated. I need proof of authorization executed by me to have pulled my credit.
03/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	CA XXXXX	Web
Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.
11/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	IN XXXXX	Web	Older American
The company that pulls my credit Credit Plus, is still reporting the exact same score from XX/XX/2020 to XX/XX/2020 but XXXX sent a result with 12 accounts deleted dated XX/XX/2020, so that should have changed something pretty drastically. My credit score is important to me. I really need this update.
11/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX XXXX and XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX.
06/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37040	Web
I keep getting hit with hard inquires every week, I call the creditor they tell me to call a different company than that company tell me to call another and the last company has no answer why it 's happening. So my score is getting lower every week by same creditor, the creditor is called credit plus.
01/24/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30314	Web
I have received a copy of my credit report and realized I have an inquiry from Credit Plus and I did n't apply for anything dealing with their company, nor do I have any of their Products for their company. I could not reply to them directly because I do not know how to get in touch with them.
04/24/2019	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	MI 48085	Web	Servicemember
I gave no authorization for my credit report to be pulled. For our mortgage approval the request specifically said to pull only my husband 's report. The auto inquiries pulled over the last couple weeks was supposed to be limited to one bank, not the multiple inquiries that I see on my report
09/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78240	Web	Servicemember
I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account
05/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90045	Web
I filed a police report report number XXXX for the Unauthorized inquiry from Credit plus on my credit report on XX/XX/2019. This inquiry was not authorized and I do not know where it comes from. I already have a mortgage so this is invalid. Remove now or I will take further legal action.
05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 372XX	Web	Older American, Servicemember
Too many HARD PULL inquires .... I applied for a VA refinance their should have only been ONE Hard pull not Eight as it appears .... This complaint -- inquiry is only about the refinance on my VA mortgage ... .. and no other credit ( Hard Pulls ) for other mortgage or credit cards ... ..
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 600XX	Web
I have an inquire on my credit from credit plus from XX/XX/XXXX I never provided any one on that date with verbal or written consent to pull my credit. I do not recognize this inquire. I have reached out to credit plus several times but still will not remove the un know inquire from XXXX
06/28/2019	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	NY 11213	Web
Called them to ask if they can take some of the inquires off from XXXX XXXX they told me to get in contact with XXXX XXXX i did and i check up with XXXX they told me they Submit paper work and when i check with them they said they didnt recieve and now XXXX is not answering my calls
11/15/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	CT 06512	Web	Servicemember
hello I am a XXXX veteran this company ran my report I never gave verbal and or writtenconsent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. I 've tried to call and talk to thesecompany but never have any luck.
11/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37027	Web
On NXX/XX/2019, CREDIT PLUS add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX. On XX/XX/2019, XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
07/16/2019	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	FL 32724	Web
I had a hard inquiry on my credit from a company called Credit Plus which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.
02/16/2021	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 75149	Web
After reviewing my credit report, I noticed on XXXX a few unauthorized credit inquiries. I did not authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Plus- XXXX
11/18/2020	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	CA 94585	Web
Inquiry is on my credit reports that were not authorized. I am a victim of identity theft in the past, I need these inquiries removed. Miscellaneous XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment Travel/Entertainment XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 647XX	Web
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
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 Investigation took more than 30 days	TN 37363	Web
I have contacted credit plus both by phone and by mail to request the removal of an unauthorized inquiry on my credit report that was done by me or with my consent and has dropped my credit score it has been over two months it has not been a response and the inquiry remains
02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web
There are numerous inquiry on my report that are fraudulent. Here 's a list of fraudulent inquiries : Factual Data - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX 2021
11/26/2021	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	AZ 85226	Web
I checked my credit report like I do on a daily basis and realize that credit plus pulled my credit and now I got 2 hard inquiries without my consent I asked credit plus to remove these inquiries which they didn't. Because the inquiries that are on my report is fraudulent.
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	ID 838XX	Web
We received unsolicited marketing emails from a scam company after opting out of publicizing our credit report and mortgage applications from the following company : XXXX XXXX XXXX The company 's principal address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
07/30/2019	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 079XX	Web
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have three unauthorized hard inquiries on my credit reports XXXX, XXXX, and XXXX. I never gave this company permission to check my credit and when I contacted them they ignored my request. I requested to have the inquiries deleted.
11/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43219	Web
I received a hard inquiry on my credit report around the dates on XX/XX/2018-XX/XX/2018. I did not to my knowledge apply for anything that would warrant this enquiry. I would like more information on who performed enquiry and have it removed from my report. Thanks
08/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11205	Web
On XX/XX/2020 XXXX XXXX pulled my credit report without my consent. When I contacted them, they stated it was incorrect pull and they would rectify the situation. Today, XX/XX/2020 I received a letter stating XXXX XXXX XXXX ran my credit from an old CLOSED account.
11/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90503	Web
XXXX XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of XXXX and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.
09/09/2019	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	LA 712XX	Web	Servicemember
A company called Credit Plus made three inquiries on my credit report on three consecutive days. I never gave them permission to do so. They then supplied my credit scores to a lender but the scores they provided were over 50 points lower than my actual scores. I
11/23/2021	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	IL 60644	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
10/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 703XX	Web
I have 5 hard inquiries on my credit report that are hurting my credit that I did not authorize. XXXX on XXXX, then XXXX, XXXX, XXXX, and XXXX all in XXXX. From credit plus ... I did not authorize any of these pulls and I want them removed from my report.
08/12/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 93726	Web
I was involved in a divorce in which I 'm finding out that ex opened accts. under my SSN and my son 's. He also submitted tax returns under a false SSN. He lied about being fired from job to escape alimony. Now I ca n't get into my credit reports at all!
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34205	Web
On XX/XX/20 a company with the name of CREDIT PLUS has made a hard inquiry on my credit report/file. I do not know who this company is nor have I authorized them particularly to make an inquiry nor have I applied for any credit regarding this firm.
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08234	Web
22 hard inquires on my credit report, i did not look for these multiple online inquires. all these are too much on my credit report. also i only have one open account it is showing multiple open accounts and i have paid everything in collections.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46205	Web
- XXXX - has an hard inquiry still on my credit, from XX/XX/2019 which I never had an account with this company. - Credit Plus - has two hard inquiries on my credit, from XX/XX/XXXX, & XX/XX/2019 and I've never had an account with this company.
07/31/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	VT 050XX	Web
I have a fraudulent hard inquiry on my XXXX credit report from a company called Credit Plus. I disputed this inquiry directly with the company and recieved documentation, see attached, stating that they have no knowledge of this inquiry either.
03/30/2018	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	NC 28358	Web
I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it
05/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 17110	Web	Older American
XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : ( XXXX ) XXXX This company checked my credit on XXXX XXXX 2016, when I had not filed for credit or changed any credit. This lowered my score. It is like talking to the wall when you call them.
12/10/2017	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	CO 80401	Web
Hard Inquiry - Information below : Credit Plus Inquiry from XX/XX/XXXX - XXXX. This inquiry could stay on your report untilXX/XX/XXXX. See an error? Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX
06/23/2020	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	MA 02703	Web
XXXX/XXXX reported on credit report XX/XX/XXXX XXXX/ XXXX reported on credit report XX/XX/XXXX XXXX XXXX reported on credit report XXXX Credit Plus reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these
08/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 109XX	Web
I have these items that are not mine and i want them to be removed from my credit. 1. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/2019 This is not mine. 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.
01/08/2020	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	IL 60440	Web
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
01/08/2020	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	IL 60440	Web
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
01/14/2020	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	NJ 08861	Web
There is a hard inquiry on my credit report from this company credit plus on XX/XX/19. I contacted this company and it is a mortgage company which is baffling considering I rent and have not been in the market for any purchases.
03/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44256	Web
I was checking my credit report and found that XXXX XXXX XXXX, XXXX, and CREDIT PLUS all did a hard pull in XX/XX/2017 without my permission or knowledge. It will take two years for this to be removed unless they each remove it.
05/12/2015	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	AZ 85338	Web	Older American
I have approximately XXXX hard line inquires on my report ( via XXXX XXXX ) and they were NOT authorized to do so! How do I remove them from my report! These inquires have caused my score to decline significantly and I am livid!
09/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NM 883XX	Web
Hello, I have a hard inquiry on my credit report from Credit Plus on XX/XX/2018. On the credit report there is no contact information provided by the company and I have no record of reaching out to Credit Plus for an inquiry.
08/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Received unsolicited financial product or insurance offers after opting out	CA 94928	Web	Servicemember
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.
08/26/2019	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 21401	Web
Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : Credit Plus. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX
06/28/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	CA 92591	Web
this company showed up on my credit XXXX XXXX, 2016, I did n't authorize this XXXX XXXX Misc. Creditor Contact Details CREDIT PLUS XXXX XXXX, MD XXXX ( XXXX ) XXXX report on XXXX/XXXX/2016. I did n't apply for anything with
10/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 40216	Web
CREDIT PLUS Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquirer Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX I only appyied for one mortage loan for each company, why are the inquiry reaccuring?
05/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27804	Web
I did not authorize XXXX to check my credit I did not apply for s mortgage loan and they need to remove credit inquiries off my credit report with XXXX and XXXX and XXXX attachment is my police report for fraud
08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 060XX	Web
Never applied with mortgage with this company or company for that matter.I have requested for this to be removed for over 9 months and nothing has been done.I do not have a Mortage nor did I apply for Mortgage.
03/14/2018	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	TX 797XX	Web
I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from credit plus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
03/14/2018	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	TX 797XX	Web
I have tried working with the company to resole the issue however they are not willing to resolve this issue. I have a few hard inquiries from credit plus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
10/02/2015	Yes	Credit reporting	Credit monitoring or identity protection Receiving unwanted marketing/advertising	OH 45238	Web
These companies have caused my credit score to drop XXXX points do toHARD INQUIRESXXXXXX/XX/XXXXXXXXXXXXXX/XX/XXXXXX/XX/XXXX XXXXFinanceXXXX XXXXXXXX XXXX, XXXX XXXXMisc. I XXXX XXXX do want these removed.
11/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33167	Web
The following hard inquiries should be removed from my credit report : Credit Plus from XXXX XXXX. XXXX from XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020. I did not authorize these banks to pull my credit.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30213	Web
There is unauthorized inquiries on report. After contacting a few companies who couldnt provide me with much info basically told me to contact you guys and get a report and then it could be removed.
06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30281	Web	Servicemember
I informed the company ( s ) that I did not personally authorize my information to be used for credit services or applications in any format and ask for my written original signature application.
12/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 993XX	Web
On XX/XX/2019 I requested a credit report from Credit Plus. Nearly 1 week later I received a 7 page credit report belonging to SOMEONE ELSE! I emailed Credit Plus and did not receive a response.
03/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	PA 190XX	Web
I have two credit inquiries on my credit report that I did not do from Credit plus on the XXXX and XXXX of XX/XX/2022. I did not authorize and of the inquiries and have no idea. Kindly assist.
08/16/2021	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 Investigation took more than 30 days	GA 30038	Web
I have filed a dispute in regards to the incorrect times on my credit report. I have submitted my disputes over 30 days ago. I still have not received any communication for the investigation
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77571	Web
XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit frca violaitons
03/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30005	Web
I have two hard inquiries on my account less than 30 days apart from the same company and this is affecting my score. This is shown multiple times but it was a one-time authorization check.
03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28208	Web
I need validation ( Not Verification ) I need a copy of when I sent your company a written permissible purpose to validate the inquire and please provide a Audit Trail. 15usc1681b Thanks
01/11/2021	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	GA 30034	Web
I don't recognize these inquiries XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no action XXXX XXXX XX/XX/XXXX no acton XXXX XX/XX/XXXX Credit Plus XX/XX/XXXXCredit Plus XX/XX/XXXX
07/10/2020	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 Investigation took more than 30 days	OH 43213	Web
I have filed a dispute with credit bureaus in regards to incorrect items on my credit report. It has been over 30 days since my dispute and I have not received any feedback or results.
04/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10306	Web
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit
11/03/2018	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 48174	Web
Applied for mortgage had several listed pull within two months from different companies which showed up as hard inquires. damage my credit score and try to resolve with no success.
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70815	Web
I am not familiar with the company or agency Credit Plus that submitted inquiries on all 3 of my credit reports without my consent. I did not apply for anything with this company.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 117XX	Web
I have a recent hard inquiry on my credit report from XX/XX/18. I did not authorize this and specifically told the representative I did not want my credit pulled. Thank you XXXX
08/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33572	Web
After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.
08/02/2018	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	LA 700XX	Web	Servicemember
THE INQUIRIES LISTED WERE NOT AUTHORIZED AND DO NOT BELONG TO ME XXXX XXXX XXXX - XX/XX/2017 CREDIT PLUS X3 - XXXX XXXX AND XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XX/XX/2017
06/17/2020	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	GA 30312	Web
i got a copy of my credit report and there are inquiries i do not recognize, XXXX and XXXX XXXX on XX/XX/2020 credit plus on XX/XX/2020 and XXXX XXXX XXXX on XX/XX/2020
04/03/2019	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	NY 10306	Web
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company This company rum 6 times my credit on 1 month
12/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.
04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75040	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 have yet to receive any investigation results.
11/08/2020	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	PA 19403	Web
I noticed 2 hard inquiries on my credit report that I did not authorize. First inquiry is from XXXX XX/XX/XXXX. Second inquiry is from Credit plus XX/XX/XXXX.
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
I have never gave legal consent to Credit Plus to run my credit and their for causing an inquiry and a negative impact on my credit report and my fico score.
11/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32073	Web
There are 2 inquiries on my credit report XX/XX/18 and XX/XX/18 from CreditPlus on my XXXX credit report. I would like 1 removed as I only authorized 1 pull.
10/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 647XX	Web
XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I do not recgonize these inquaries.
07/26/2017	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	MI 48044	Web	Older American, Servicemember
Just refinanced home IN XXXX 2017. Other companies keep on calling to refinance with them. Checked my credit report on XXXX XXXX, 2017 without my permission.
03/07/2022	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	NC 28208	Web
I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.
01/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33063	Web
They said i have to wait the 2 years to let these inquiries drop and i dont think its fair that my info is shared with different companies for 1 mortgage
08/02/2018	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	LA 700XX	Web	Servicemember
Credit Plus in on my XXXX Credit Report 4 times and I did not apply for a Mortgage. I own a home already and did not speak to anyone about buying a home
02/02/2022	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 Investigation took more than 30 days	CA 92882	Web	Servicemember
I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I haven't received any investigation results.
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 Investigation took more than 30 days	GA 30083	Web
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.
11/07/2020	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 Investigation took more than 30 days	MD 20745	Web
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.
03/02/2021	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	AA XXXXX	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.
03/02/2021	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	AA XXXXX	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.
08/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CO 816XX	Web	Servicemember
this company ran three hard credit checks without my authorization : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is illegal and and was not authorized by me
01/05/2022	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 532XX	Web
I filed an dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.
01/05/2022	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 532XX	Web
I filed an dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I havent received any investigation results.
07/02/2020	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	TX 79701	Web
Credit Plus has repeatedly run my credit for the last three days without any authorization. XXXX. No action has been taken by myself or Credit Plus.
03/15/2019	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 XXXXX	Web
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
08/15/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 92220	Web
The inquiry on my credit report was not mine. I called the company and their response was it was you and it will be removed when it ages two years.
05/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 773XX	Web
I have a credit inquiry on my report from Credit plus and I didnt give them permission to run my credit. Furthermore I dont even know this company
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 Was not notified of investigation status or results	CA 95823	Web
I have filed disputes for the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
I just checked my credit report and it shows multiple hard inquiries that i did not authorize and i am asking for it to be removed from my report.
10/17/2018	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	TX 75216	Web
All my inquiries have been hard pulls and its affecting my credit I got a full credit report and dont recognize none of these inquiries done by me
11/22/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91761	Web
XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.
05/16/2019	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 646XX	Web	Older American, Servicemember
I do not recognize these inquiries into my credit. XXXX XXXX - XXXX, KY XXXX/XXXX - XXXX, FL. XXXX XXXX - XXXX, MD. XXXX XXXX - XXXX, WIS.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19154	Web
All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.
03/13/2018	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 33068	Web	Servicemember
National data breaches compromised my credit. Someone tried to establish a line of credit through fraudulent means and without my consent.
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	MO 657XX	Web
On XX/XX/2019, Credit Plus ran a hard inquiry on my SSN. I did not authorize this hard inquiry and need it removed from my credit report.
03/12/2020	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	TX 76107	Web
accounts are old and need to be removed from my report and was ran with out my consent when shopping for home loans and credit cards.
10/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53213	Web
My credit was pulled by Credit Plus. They were checking rates for refinanced mortgages and did NOT have my authorization to do so.
02/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40205	Web
I want to dispute a hard inquiry i never authorized. From : Institution Information Credit Plus XXXX, MD XXXX ( XXXX ) XXXX
05/03/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70471	Web	Servicemember
Per the answer in complaint XXXX I never request any one to run my credit for anything. Not XXXX or credit plus. Once again
01/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93230	Web
A company called Credit Plus did a hard inquiry, although I have not spoke to anyone about getting a loan of any kind.
12/24/2018	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	TX 752XX	Web
creditor still reporting and it's been past the two years of when the inquiry was established. Inquiry from XX/XX/XXXX
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07701	Web	Servicemember
I do not recognize the following inquiry on my credit report CREDIT PLUS ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX
11/16/2021	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 32960	Web
my information was used for fraudulent activity for the purpose of loans witch i never authorized.Or have knowledge
04/09/2019	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 07042	Web
UNKNOWN INQUIRE REPORTING ALL ALL MY CREDIT BUREAU SUCH XXXX, AND XXXX DATE XX/XX/2017 NAME OF COMPANY, CREDIT PLUS
12/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33193	Web
I have a hard inquiry on my XXXX Credit Report by CREDIT PLUS. I do n't recall requesting Credit from Credit Plus.
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30038	Web
I recently checked my account and saw that there were inquiries that were not validated nor authorized by Me.
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77045	Web
Saw hard inquiries on my credit report that need to be removed. XXXX XX/XX/2022 Credit Plus XX/XX/2022
02/08/2021	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 33311	Web
I have been XXXX XXXX due to XXXX I never tried to apply for anything. I need these companies removed.
06/12/2019	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	LA 71112	Web
customer service would not help and take care of the negative inquiries reporting to your credit report.
03/14/2021	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	MI XXXXX	Web
XXXX XXXX this company ran my credit without my permission. Which then added a inquiry onto my credit.
11/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94585	Web
Inquires on my credit report thy does not belong to me, I been a victim of identity theft in the past.
11/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94585	Web
Inquires on credit report that doesnt belong by to me, was a victim of identity theft in the past.
11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 600XX	Web
On XXXX XXXX, 2019, CREDIT PLUS add a hard inquiriy on my credit report per XXXX, XXXX and XXXX.
08/07/2019	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 08016	Web
These Credit Inquiries Are Unauthorized And Need To Be Removed From My Credit Report Immediately.
08/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75160	Web	Servicemember
Reviewing my report and noted a inquiry that is not mine. I have not inquired about any credit.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29841	Web
Unauthorized credit inquiries on XX/XX/2022 from XXXX XXXX and on XX/XX/2022 from Credit Plus.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29841	Web
Unauthorized credit inquiries on XX/XX/2022 from XXXX XXXX and on XX/XX/2022 from Credit Plus.
02/17/2022	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	AZ 853XX	Web
I checked my credit report and noticed a few different inquiries I didnt give authorization to
04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30213	Web	Servicemember
I put in a dispute about the inquiries on my report that is not me and no proof has been sent.
04/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07052	Web
I was checking my credit report and saw some unauthorized and unvalidated inquiries on there
04/26/2021	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	MA 02119	Web
In authorized hard inquiries on my credit report must be caused from fraudulent activities
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA XXXXX	Web
Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/XXXX, these were not authorized.
04/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98502	Web
Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/2016, these were not authorized.
11/17/2018	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	NY 10306	Web
No knowledge to this report inquiry. No permitting to this company to check my credit
08/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63010	Web
XX/XX/2018 credit plus did an inquiry into my credit report without any authorization.
03/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20723	Web
Credit accessed my account for a hard inquiry without my permission or authorization
02/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30012	Web	Servicemember
I have made phone calls and sent letters bureau refuses to acknowledge my concerns
03/29/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	FL XXXXX	Web
XXXX - via credit plus made an unauthorized credit inquiry to my XXXX credit file
07/21/2019	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 631XX	Web
There are unauthorized inquiries on my report for rental, I would like removed.
01/03/2018	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	PA XXXXX	Web
XXXX XXXX 2016 they submitted a hard credit inquiry against my credit account.
08/29/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	FL 331XX	Web
XX/XX/2018 Credit Plus did not give them permission to pull my credit report!
11/17/2018	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	NY 10306	Web
This company do not have my permition to check my credit this is a fraudulent
10/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 075XX	Web
XXXX XXXX XXXX XXXX/XXXX/XXXX need proof of Authorization for these inquiries
08/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43207	Web	Servicemember
Dont recognize, have not applied for anything in 3 years. Please remove
05/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 80022	Web
I did not authorize or have any idea why this inquiry is on my report.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Web
I didnt do any credit inquiry with XXXX XXXX XXXX for any auto loan.
11/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78245	Web
On XXXX XXXX, 2017 XXXX XXXX SUBMITTED A HARD INQUIRY ON MY CREDIT.
05/07/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 11203	Web
There is a hard inquery on my credit report that I did not appl for
05/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70471	Web	Servicemember
Never asked this company to run my credit I told them they could
01/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL XXXXX	Web
I do not recognize these credit inquiries on my credit report.
08/05/2019	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	TX 75115	Web
Application for car loan sent to several finance institutions.
03/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 451XX	Web
Never applyed for a refinance loan with any of these companys
02/12/2018	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	PA 16509	Web
Credit plus has pulled my credit score without my permission
01/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98006	Web	Servicemember
This isn't credited I signed for or approved an inquiry on.
05/17/2019	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	AZ 85224	Web
I did not authorize my credit to be pulled by this company
12/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76542	Web
I have inquiries from companies I did not authorize.
01/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Unexpected or other fees	TX 758XX	Web
Credit plus is on my credit report this is an error
08/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	TX 77090	Web
Credit Report is locked without my permission.
01/09/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 55408	Web
Unauthorized inquiry and/or unknown company
01/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MN 55408	Web
Unauthorized inquiry and/or unknown company
12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 299XX	Web
Customer service would n't take care of it
02/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94544	Web	Servicemember
Credit inquires that i do not recognize.
01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60803	Web
I didnt authorize the hard inquiries.
09/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32726	Web
Unauthorized use of my credit report
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 741XX	Web
Inquires DO NOT BELONG TO ME
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78501	Web
Inquiries Want them removed
09/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08234	Web
fraud inquires on report
09/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NJ 08234	Web
22 inquires on my report
06/28/2022	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	CA 91730	Web

06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92660	Web

06/15/2022	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	IL 60136	Web

06/15/2022	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	NJ 08889	Web

06/15/2022	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	NY 10312	Web

06/13/2022	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	FL 34787	Web

06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45231	Web

06/03/2022	Yes	Mortgage Conventional home mortgage	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60202	Web

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 40222	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91335	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91335	Web

05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98030	Web

05/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32258	Web

05/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06511	Phone

04/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90744	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21804	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29456	Web

04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29456	Web

04/16/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 478XX	Web

04/13/2022	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 75165	Web

04/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30058	Web

04/06/2022	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	PA 19116	Web

03/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27704	Web

03/25/2022	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	KY 41017	Web

03/24/2022	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	PR 00729	Web

03/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 478XX	Web

03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70005	Web

03/23/2022	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 Was not notified of investigation status or results	NY 10451	Phone

03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70058	Phone

03/18/2022	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 75227	Web

03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 18974	Web

03/17/2022	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	NV 89121	Phone

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	OK 74145	Web

03/12/2022	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	CA 91724	Web	Older American

03/08/2022	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	IN 47885	Web

03/08/2022	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	IN 47885	Web

03/07/2022	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	AR 72002	Web

02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28213	Web

02/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28213	Web

02/17/2022	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	PA 19116	Web

02/16/2022	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	MN 55345	Web

02/16/2022	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 34787	Web

02/14/2022	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	IL 60656	Web

02/09/2022	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	NC 28262	Web

02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IN 46235	Web

02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30044	Web

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33313	Web

02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	FL 34293	Web	Older American, Servicemember

02/07/2022	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	MI 48221	Web	Servicemember

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28213	Web

02/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46516	Web

02/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44109	Web

02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95827	Web

01/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06770	Web

01/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43068	Web

01/14/2022	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	WA 98030	Web

12/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23455	Phone	Servicemember

12/20/2021	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 78258	Web	Servicemember

12/14/2021	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 32909	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	GA 30152	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	GA 30152	Web

12/08/2021	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	IL 60639	Web

12/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60173	Web

12/02/2021	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 45371	Web

11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11385	Web

11/23/2021	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	MD 21701	Web

11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19116	Web

11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20744	Web

11/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28173	Web

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11375	Web

11/16/2021	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 77449	Web

11/10/2021	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	CA 91765	Web

11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NJ 07860	Web

11/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11550	Web

11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 45416	Web

10/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07065	Web

10/22/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	FL 33615	Web

10/19/2021	Yes	Mortgage Other type of mortgage	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19029	Web

10/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33154	Web

10/07/2021	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	PA 15025	Web

10/07/2021	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 07065	Web

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	IL 60026	Web

10/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 08109	Web

09/30/2021	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	PA 18914	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34787	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28081	Web

09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38016	Web

09/26/2021	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 07036	Web

09/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08610	Web	Servicemember

09/21/2021	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	OH 43229	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	IL 60061	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77706	Web

09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	HI 96732	Web

09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	HI 96732	Web

09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94578	Web

09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11214	Web

09/08/2021	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 Investigation took more than 30 days	GA 30346	Web

09/08/2021	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 Investigation took more than 30 days	GA 30346	Web

09/03/2021	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 98686	Web

09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08610	Web	Servicemember

09/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48532	Web

08/30/2021	Yes	Mortgage Other type of mortgage	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30060	Phone	Older American, Servicemember

08/20/2021	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	SC 29708	Web

08/17/2021	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 98686	Web

08/12/2021	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	PA 19083	Web	Servicemember

08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29708	Web

08/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29708	Web

08/09/2021	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	OR 97301	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

07/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TN 37922	Web

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27616	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55433	Web	Servicemember

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75209	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77584	Web

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23661	Web

07/08/2021	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 72396	Web	Servicemember

07/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30132	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85283	Web

06/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91352	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19116	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29045	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43227	Web

06/21/2021	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	NJ 07206	Web

06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web	Servicemember

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07424	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	NJ 08535	Web

06/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10473	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65401	Web	Servicemember

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65401	Web	Servicemember

05/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70068	Web

05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11730	Web

05/20/2021	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 78258	Web

05/19/2021	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	GA 30338	Web

05/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33312	Web

05/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60625	Web

05/14/2021	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 77703	Web

05/08/2021	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 Problem with personal statement of dispute	MN 55024	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46224	Web

05/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 15221	Web

04/26/2021	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	NY 11102	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63701	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60517	Web

04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	KY 42351	Web

04/16/2021	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	SC 29303	Web

04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 785XX	Web

04/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10038	Web

04/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77433	Web

04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75039	Web

04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77571	Web

03/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30094	Web

03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77632	Web

03/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33165	Web

03/12/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 77407	Web

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	WA 98203	Web

03/09/2021	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	OH 43608	Web

03/05/2021	Yes	Mortgage FHA mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 45013	Web

03/04/2021	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	OH 45002	Web

03/04/2021	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	GA 30349	Web

03/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77007	Web

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

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60517	Web

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

02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98942	Web

02/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60074	Web

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 482XX	Web	Servicemember

02/11/2021	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	GA 30228	Web

02/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60013	Web

02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93722	Web

02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89121	Web	Servicemember

02/08/2021	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	IL 60083	Referral

02/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23224	Web

02/03/2021	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	MD 20743	Web

01/31/2021	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

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60103	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29707	Web

01/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40218	Web

01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33020	Web

01/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15220	Web

01/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77407	Web

01/07/2021	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	AL 35125	Web

12/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	RI 02860	Web

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	MN 55337	Web

12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15220	Web

12/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28134	Web

12/17/2020	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 91911	Web

12/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98001	Web

12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IA 50009	Web

12/08/2020	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	NJ 07726	Web

12/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60169	Web

12/05/2020	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	PA 19143	Web

11/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60013	Web

11/17/2020	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	MI 48820	Web

10/31/2020	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	TX 77407	Web

10/27/2020	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	LA 708XX	Web

10/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77407	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	FL 32750	Web	Servicemember

09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97070	Web

09/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32750	Web	Servicemember

09/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11429	Web

09/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10038	Web

08/30/2020	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	AZ 85326	Web

08/30/2020	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	AZ 85326	Web

08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70058	Web

08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70058	Web

08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70058	Web

07/29/2020	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	WI 53403	Fax

07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60143	Web

07/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60143	Web

06/27/2020	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	MD 21401	Web

06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 24592	Web

06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60478	Web

06/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75216	Web

06/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19119	Web

06/19/2020	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	OH 44313	Fax

06/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	UT 84121	Web

06/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 91911	Web

05/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11233	Web

05/26/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75150	Web

05/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23035	Web

05/12/2020	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	VA 20148	Web

04/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21225	Web	Servicemember

04/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60163	Web

04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34972	Referral

02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70070	Web

02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70070	Web

02/04/2020	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	LA 70811	Web

01/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07963	Web

01/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44224	Web

01/22/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85345	Web

01/15/2020	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 33610	Web

01/14/2020	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 33016	Web	Servicemember

01/13/2020	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 33545	Web	Servicemember

01/08/2020	Yes	Mortgage Conventional home mortgage	Improper use of your report Credit inquiries on your report that you don't recognize	VA 24522	Phone

12/11/2019	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	AZ 85251	Web

12/02/2019	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	PA 18974	Web

12/02/2019	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	PA 18974	Web

11/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 22150	Web

11/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	NJ 07030	Web

10/15/2019	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	VA 20136	Web

09/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77084	Web

08/30/2019	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 30021	Web

08/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91364	Web

08/20/2019	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 Difficulty submitting a dispute or getting information about a dispute over the phone	LA 70810	Web

07/28/2019	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	RI 02911	Web

07/23/2019	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	FL 33311	Web

07/23/2019	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card		Phone	Servicemember

07/22/2019	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	FL 34473	Phone	Servicemember

07/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33624	Postal mail

07/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98370	Web

07/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46580	Web

07/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 15204	Phone	Servicemember

06/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76133	Web

06/04/2019	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	NV 89502	Web	Servicemember

06/04/2019	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	NV 89502	Web	Servicemember

06/04/2019	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	NV 89502	Web	Servicemember

06/03/2019	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	NV 89502	Web	Servicemember

06/03/2019	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	NV 89502	Web	Servicemember

06/02/2019	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	NV 89502	Web	Servicemember

06/02/2019	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	NV 89502	Web	Servicemember

05/30/2019	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	NV 89502	Web	Servicemember

05/30/2019	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	NV 89502	Web	Servicemember

05/30/2019	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	NV 89502	Web	Servicemember

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	NV 89502	Web	Servicemember

05/19/2019	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70471	Web	Servicemember

05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78640	Web

05/14/2019	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	PA 19115	Web	Servicemember

05/14/2019	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		Web	Servicemember

05/04/2019	Yes	Mortgage Conventional home mortgage	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30252	Web

04/26/2019	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	DE 19973	Web

04/25/2019	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 20607	Web

04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44112	Phone

03/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 78617	Web

02/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	IL 61832	Web

01/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06831	Web	Older American

01/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30741	Web

12/26/2018	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	FL 33428	Web

12/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 44163	Referral

12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89048	Web

12/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80516	Web

12/05/2018	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	NY 11705	Web

12/04/2018	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	VA 23454	Web	Servicemember

12/01/2018	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	IN 46234	Web

11/20/2018	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	KY 40216	Web

11/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 96001	Phone

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	FL 32446	Web	Servicemember

10/08/2018	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 Difficulty submitting a dispute or getting information about a dispute over the phone	GA 31419	Web

10/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 20147	Web

09/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	ID 83401	Phone

09/05/2018	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	TX 75052	Web

08/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NC 28562	Web	Servicemember

08/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score		Phone

08/14/2018	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	TX 77079	Web

08/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37405	Web	Servicemember

08/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37405	Web	Servicemember

07/30/2018	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	FL 32303	Web

07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06514	Postal mail

07/13/2018	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	TX 75054	Web

07/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92660	Web

07/03/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	OH 43920	Phone

07/03/2018	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	NY 10801	Web

06/29/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	IA 50014	Web

06/29/2018	Yes	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	IA 50014	Web

06/12/2018	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	VA 22151	Web

05/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76053	Web

05/30/2018	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	TX 77521	Web

05/21/2018	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 48310	Web

05/16/2018	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or missing disclosures	AL 35043	Phone

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76087	Web

04/16/2018	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 15235	Web

04/09/2018	Yes	Mortgage Home equity loan or line of credit (HELOC)	Applying for a mortgage or refinancing an existing mortgage	MN 55910	Web

03/29/2018	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	CA 94127	Web

03/27/2018	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	WI 53224	Web

03/14/2018	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	TX 79765	Web

03/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90505	Web

03/06/2018	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	IN 46143	Phone

03/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89183	Web

02/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MN 55113	Web

02/27/2018	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	MN 55113	Web

02/21/2018	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	TN 37918	Web

01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94551	Web

01/27/2018	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	OK 73099	Web

01/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34759	Web

01/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34759	Web

01/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34759	Web

01/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33326	Web

01/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	NY 14607	Web

01/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75025	Web

01/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46404	Web

12/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Didn't receive services that were advertised	MA 01749	Web

12/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92251	Web

12/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20882	Web

12/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46404	Web

11/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29334	Web

11/22/2017	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 77057	Web

11/18/2017	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	TN 37321	Postal mail

11/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	DE 19968	Web

10/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30083	Web

10/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 20707	Web

10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92545	Web

10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11236	Web	Servicemember

10/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06905	Web

09/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70817	Web

09/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85301	Web

08/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77013	Web

07/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48185	Web

07/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30038	Web

07/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CO 81005	Web

06/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 75154	Web

06/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	TX 78620	Web	Servicemember

06/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11362	Web

06/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75243	Web

06/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75243	Web

06/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33145	Postal mail

05/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 20170	Web

05/22/2017	Yes	Mortgage Other type of mortgage	Applying for a mortgage or refinancing an existing mortgage	LA 70122	Web

05/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78247	Web

05/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77090	Web

05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07650	Web

05/04/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07650	Web

05/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48198	Web

05/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48198	Web

05/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48198	Web

04/17/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	FL 32164	Web	Servicemember

04/10/2017	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	NJ 07024	Web

03/28/2017	Yes	Credit reporting	Incorrect information on credit report Account status	AR 71854	Postal mail	Older American

03/28/2017	Yes	Credit reporting	Incorrect information on credit report Account status	AR 71854	Postal mail

03/07/2017	Yes	Credit reporting	Incorrect information on credit report Public record	OR 97005	Web	Servicemember

02/17/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	IN 46226	Web

01/10/2017	Yes	Credit card	Advertising and marketing	CA 90005	Web

01/04/2017	Yes	Debt collection Mortgage	Disclosure verification of debt Right to dispute notice not received	NY 11420	Web

12/29/2016	Yes	Credit reporting	Incorrect information on credit report Account status	AZ 85216	Web

12/21/2016	Yes	Credit card	Customer service / Customer relations	OH 44105	Web

12/15/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NM 88011	Web	Servicemember

12/13/2016	Yes	Credit card	Unsolicited issuance of credit card	CA 90005	Web

12/06/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NM 88011	Web	Servicemember

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75011	Web

11/30/2016	Yes	Credit card	Customer service / Customer relations	NY 11212	Web

11/29/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	GA 30238	Web

11/08/2016	Yes	Credit reporting	Incorrect information on credit report Account status	NY 10314	Referral

11/05/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MD 20603	Web

10/30/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	LA 70401	Web	Servicemember

08/31/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	WV 25508	Postal mail

08/19/2016	Yes	Consumer Loan Personal line of credit	Shopping for a line of credit	WI 53210	Postal mail

08/19/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	WI 53210	Postal mail

08/17/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NV 89147	Web

08/06/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	LA 70124	Web

07/27/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	FL 34953	Web

07/25/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	NY 11411	Postal mail

06/30/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	OK 73117	Postal mail

06/22/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	VT 05035	Postal mail

05/24/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NY 10950	Postal mail

05/22/2016	Yes	Debt collection Mortgage	Improper contact or sharing of info Talked to a third party about my debt	TX 76020	Web

05/10/2016	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	MD 21206	Postal mail

03/16/2016	No	Credit reporting	Incorrect information on credit report Public record	WA 98645	Web

02/18/2016	Yes	Credit reporting	Incorrect information on credit report Account status	NJ 08753	Postal mail

01/24/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	FL 34982	Web

12/21/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	NY 11226	Postal mail

12/17/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	IL 60607	Postal mail

11/17/2015	Yes	Credit reporting	Incorrect information on credit report Public record	NY 11412	Web

10/30/2015	No	Credit reporting	Incorrect information on credit report Information is not mine	NJ 07746	Web

10/22/2015	Yes	Credit reporting	Credit reporting company's investigation Problem with statement of dispute	CA 91343	Web

10/20/2015	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	GA 30039	Postal mail

09/24/2015	Yes	Credit reporting	Incorrect information on credit report Account terms	FL 32819	Web

07/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30344	Web

07/10/2015	Yes	Credit reporting	Incorrect information on credit report Account status	PR 00676	Web

04/09/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 92841	Web

04/07/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 94066	Web

04/03/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	CA 94066	Web

01/10/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	CA 91603	Web

11/30/2014	Yes	Credit reporting	Incorrect information on credit report Information is not mine	CA 90303	Web	Older American

09/25/2014	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	UT 84096	Web

04/23/2014	Yes	Mortgage Other mortgage	Application, originator, mortgage broker	TX 77069	Web