EMCC Holdings, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web	Servicemember
Their Presentation are SCAMS.I paid the monthly payment of {$120.00} from XXXX until XXXX, and the maintenance fee of {$850.00}, with a {$600.00} " required '' down payment ''. Seller would not allow us to utilize or book any stays or vacations even though there was no arrears and all my payments were made. When we asked them why, we got the runaround. Basically we paid for a service they refused to let us use.There was a secret clause " number 12 '' of the Buyers Acknowledgement and Understanding.It basically stated that : they can say WHATEVER they want to get you sold, and if you sign ( or initial ) next to the section of the " contract '' you agree that whatever the salesman tells you ( even if it sounds believable ) doesn't necessarily have to deliver. example : 1. paid flight with " free '' bonus vacation : They lied 2. They stated that after 3 monthly payments, we get to take advantage of the bonus trips : LIES!! 3. Maintenance fees ( $ 800+ lump sum ) that would be due months down the line : LIES!! ( 45 days immediately after u sign they over drafted my bank account ) 4. bonus trips are NOT FREE, NO MATTER what they say ( remember clause # 12 ) Also, the GRAY card option is also a SCAM! There were multiple plans/tiers for purchasing : The minimum plan is 1 vacation every 3 years ( Triennial ) for {$6000.00} principle. They didn't say or state at the table that the maintenance fees are FOREVER. The family or legacy can only inherit this " property '' for only 40 years! They also report this to the credit bureaus like a signature loan ( This was not told to us until after the 5 day cancellation period ) I told them I was ln the process of getting a home and didn't want any dings on my credit, therefore I didn't supply them my social security number. But they was still able to list this on both of our XXXX credit reports. My wife was currently in an active bankruptcy and they put this on her credit. Now it looks bad to the Georgia Bankruptcy court because the trustee of the court has to sign off on a purchase like this. My wife was there for the presentation, not to be put in legal jeopardy.They go by MANY names : Equiant, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, but no one is on the same page for " benefits '' minimum down payment is : {$600.00} APR is 22 % no matter the credit worthiness The loan officer/ sales agent/ AND Broker is the Notary Public ( a clear conflict of interest ) was The same person! They share your PERSONAL information with others for marketing purposes unless you MAIL them certified telling them not to. They have plants outside ( people pretending to be members ) bragging about how good everything is, and trying to get you to join by offering you drinks, free shows in town, etc ... We lost money and are confused! there was no communication and all I remember is the slick, lying salesman rushing us to sign and not really allowing us to read. But, He can say or sell you on anything, " oral representation '', and if you sign, they don't have to honor anything that isn't already printed in the final contract before you arrive to the signing table.The misrepresented EVERYTHING ; this was detrimental and I was not able to go through with the house purchase.. Had I known half of what I learned, I wouldn't even had sat down for the " presentation ''.
08/02/2023	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	AZ 85043	Web
Subject : Complaint against XXXX XXXX for Deceptive Practices and Equiant Financial Services for Unfair Collection Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for their deceptive practices during a timeshare presentation and subsequent failure to fulfill the promised services. Additionally, I wish to bring to your attention the unfair collection practices by Equiant Financial Services, which is related to XXXXXXXX XXXX On or about XX/XX/2023, my partner, XXXX, and I attended a timeshare presentation with XXXXXXXX XXXX Despite expressing our lack of interest, a sales representative persisted and introduced a senior representative. They presented an offer to acquire the full timeshare package for {$8000.00}, which included ownership, XXXX points, and access to offerings valued at {$120000.00} or more. Believing it to be a remarkable deal, we made a down payment, with the assurance of an owners meeting to explain usage and benefits. However, on approximately XX/XX/2023, during an owners update meeting, we discovered that none of the promises made during the presentation were accurate. We were informed that to receive what was initially promised, we would need to pay an additional {$60000.00}, and that none of the prior assurances were valid. Confronting the representative, they admitted to engaging in bait and switch tactics and refused to address the situation. Following this encounter, we lodged a formal complaint with XXXX XXXX, expecting a resolution. Unfortunately, they failed to provide any meaningful response or remedy to our concerns. We attempted further communication via phone calls, emails, and mailed letters, all of which remained unanswered. Additionally, upon reviewing my credit report on XX/XX/2023, I discovered a collection entry from Equiant Financial Services. When I contacted Equiant Financial Services at XXXX, I learned that it was related to XXXX XXXX. The representative transferred me to XXXX XXXX, where another representative claimed that XXXX had again denied receiving the recording. It is evident that both XXXXXXXX XXXX and Equiant Financial Services have engaged in unfair and deceptive practices, causing significant distress and financial harm. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into both entities for their deceptive practices and unfair collection tactics. Enclosed with this letter are relevant documents, including emails, letters, records of phone conversations, and credit report details. I trust that the Consumer Financial Protection Bureau will take swift action to protect consumers from such unethical practices and hold XXXX XXXX and Equiant Financial Services accountable for their actions. Thank you for your attention to this matter, and I look forward to a just resolution. Sincerely, XXXX XXXX
10/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63303	Web
This is a complaint against EQUIANT FINANCIAL SVCS. I already disputed an account from them before, under the same name with the same account number XXXX and it was deleted from my credit reports under XXXX. However, the same account re-appeared in my reports still under XXXX. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Furthermore, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates, as well as filing disputes to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
08/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91344	Web
My wife and I received a bill dated XX/XX/2021 from a company called XXXX XXXX for services in the amount of {$99.00} with a demand for immediate payment. We had never heard of this company before and did not know what the bill was for. On XX/XX/2021, we called the number provided for inquiries, which directed us to a company called Equiant. When we were connected with an agent, he advised that any information we provided would be provided to collections. He refused to provide us with information regarding the bill until we provided a great deal of personal information, which we refused to do given his suggestion that the matter was being referred to collections. He also stated that we had more than one account and that only one of the accounts was closed. We asked repeatedly to speak with someone from XXXX XXXX, which we learned was formerly XXXX XXXX. When the agent finally transferred us, it was an endless loop that was then disconnected. We looked up a phone number for XXXX XXXX, and we were connected again with XXXX XXXX. We spoke with an agent named XXXX XXXX, who advised us that XXXX XXXX had been acquired by XXXX XXXX. XXXX advised us that the {$99.00} charge was never part of XXXX XXXX or XXXX XXXX XXXX. He also advised us that the bill should not have been sent and that we didnt owe any money. XXXX further confirmed that we had terminated our relationship with XXXX XXXX years before. Finally, he indicated that XXXX XXXX was seeking to collect the same fee from other customers. XXXX suggested that he would send a note to accounting, but abruptly disconnected the call when we had indicated we had further questions and before we had an opportunity to ask for written confirmation of the resolution. We have since learned that the customer service phone number and address ( including suite number ) for XXXX XXXX and Equiant are the same. Given the implicit threat to send the matter to collections and the statement by the Equiant agent that we had multiple accounts with the companies, we believe that the billing for services never requested or rendered is false and the process misleading to coerce payment where none is due. We want written confirmation that ( 1 ) all account we had with XXXX XXXX have been closed, as requested years ago, ( 2 ) we owe no payment to any of these companies : XXXX XXXX, XXXX XXXX or Equiant, ( 3 ) the bill will not be and has not sent to collections, and ( 4 ) the matter is not going to adversely impact our credit scores in any manner.
06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85016	Web
Some 3rd party company names EQUIANT FINANCIAL SVCS AKA XXXX XXXX WORKING FOR XXXX XXXX is listedClosed on the credit bureaus is on my credit. This company has a bad reputation and deals with shady timeshares. They are trying to collect a XXXX balance collection as this matter has been already resolved with the original scam creditor. EQUIANT FINANCIAL SVCS refuses to get off my report, even though they admit they are NOT a party to the transaction nor is there a contract between myself and them. THE SCAM BACKGROUND AGAINST CONSUMERS : I attended the TimeShare presentation in XX/XX/2016 in XXXX XXXX. In short, during the presentation I was swayed into purchasing the timeshare of one of their properties as during the presentation I was told that " it is a great deal that you can't lose money on! ", " you can use it at anytime and you can rent the property out to someone else if you don't want to use it yourself '', " No, you can not step away and think about it because it is a very limited time discount that you will get only if you decide right now '' " We have worldwide properties that you can trade your timeshare for and go anywhere you would like '' After signing the paperwork, there were additional fees that were not disclosed to me when I agreed to the deal. It was also not disclosed that even after signing the paperwork, legally, I had a time window to back out of the deal ( because I would, once I had time to do my research ). I attempted to trade my week at another property of theirs several times at no luck ( as it turned out, my week was the lowest priority ). Despite what was said at the presentation, I was not allowed to " rent it to a friend '' either. After XXXX years of paying for the timeshare installment loan at at steep rate ( as it turned out no bank wanted to refinance a timeshare ), taxes and maintenance fees and not being able to use it even once, I contacted a consumer protection agency to help me with this. They worked on my behalf to prove that XXXX practice was unethical. Eventually, XXXX agreed to accept the deed back. Aside from the aforementioned credit, I have never been late or missed a payment on my credit card and any loans. My credit score on XXXX and XXXX is XXXX and XXXX, respectively ( the agencies where timeshare loan was not reported ).
01/28/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 91406	Web	Older American, Servicemember
I 'm getting calls from Equiant ( sometimes a debt collection agency, other times not, depending on who I talk to ), claiming I owe on a timeshare account with a separate company, XXXX. Although I do own a few different accounts with different resorts, I could n't recall ever signing up with XXXX. I finally found bank records of their withdrawls from my account, which I 'd overlooked originally as I do not have any automatic payments set up with it, or so I thought. I understand that, in each notice sent to me from XXXX ( nothing sent from Equiant ), I 'm entitled by law to a written notice of my right to dispute this " debt ''. I have received no such notice. Furthermore, several other discrepancies have led me to question the existence of this " debt collection agency ''. Along with the lack of written notice of my right to dispute, I requested a copy of the contract be sent so I could verify the debt. I was told that a request by Equiant to XXXX to send the contract to me had been submitted, but that it would take longer than I had to wait before the account was reported to major credit bureaus and my credit rating would go down. In other words, pay before I can verify the debt, or else bad things will happen. I did receive a virtual copy of the contract from contacting the resort itself ; though I 'm still awaiting a hard copy. I 've also received a virtual copy of the auto-pay document that my late wife and I apparently signed. I began my own investigation of this company ( or companies? ), along with the help of my local congressman, at first because I had wanted to dispute the debt. Assuming all of these documents are valid, I can not dispute it. So my concern turns to possible infringements of certain rights of mine by Equiant and/or XXXX. They did n't supply written notice that I could dispute the debt within thirty days and, in fact, I have received nothing from Equiant in the mail at all. My latest step in resolving this matter was to inform XXXX at XXXX XXXX services that the payment I was sending, which covered the two months of late charges that were unpaid, were to be the final payments for that account until I got a hard copy of contract.
09/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 152XX	Web
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of XXXX {$1000.00} XXXX per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
11/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 900XX	Web
According to laws of 15 USC 1681 A and 15 USC 1681 Section 602 A and its exclusions this company illegally placed late payments on my credit report adversely affecting my creditworthiness and to obtain new credit. 15 U.S. Code 1681a - ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized undersection 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( ii ) communication of that information amongpersonsrelated by common ownership or affiliated by corporate control; or ( iii ) communication of other information amongpersonsrelated by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to theconsumerthat the information may be communicated among suchpersonsand theconsumeris given the opportunity, before the time that the information is initially communicated. The law 15 USC 1681 Section 602 A states my rights to privacy.
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11203	Web
In XXXX of XXXX, I made my first attempt by calling Equiant Financial Services. I spoke with a representative who initially told me that they do not have an account on file with the information that I gave to them. So then, I went further to inform the representative that I will be recording the call and then to confirm that that the there was a fraudulent erroneous account being reported on my credit report. The representative then place me hold several times until he came back to say, he found an account with my information along with someone else 's. I informed him that any account in my name that I was not aware of should be closed immediately. He refused to close the account. He stated that because it was joint he could not do anything. He then said that I should mail in proof if I chose to dispute the account. I placed a security alert on my Credit Reports since XXXX for 2 years and renewed it again this year. I tried mailing Equiant Financial Services a dispute letter to dispute the account and amount owed displaying on my credit report. The address that is showing on my report is invalid and non-existent. The letter was returned by the Post Office stating it is an invalid address and the back appeared to be opened and resealed. The address showing from my credit report for Equiant Financial Services is different from what XXXX is showing their address to be. Inaccurate information. My second attempt I wrote CFPB in XXXX XXXX and they wrote me back to submit my complaint online. I have since have no way of contacting this company by mail. This is against FCRA regulations. Any inaccurate and fraudulent accounts being reported on my credit report and that have been reported within 30 days and there has been no proof that this account belongs to me, the account should have been closed and removed from my report. Please follow-up for me and inform me of your findings.
10/02/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD XXXXX	Web
Case # : XXXX XXXX XXXX XXXX , XXXX. ACCOUNT NUMBER XXXX LOAN NUMBER XXXX Sent on : XX/XX/XXXX STATUS : Company responded the complaint does not belong to them on XX/XX/XXXX Dear CFBC team, Thank you once again for your kind assistance. XXXX XXXX XXXX , XXXX. s response leaves us a little confused based on the following premises : 1.If the complaint does not belong to them as they boldly claim, then why did they accept our certified mails and signed all three return receipts? 2. If we had no business with them then why did they give us an account number in the first place? Why are our business transactions recorded in their books, why do they send us financial statements? 3. If the foregoing argument has all true premises and a true conclusion, then it is valid and we have reasons to believe that : XXXX XXXX XXXX , XXXX. s response is a false statement made to a federal agency and certainly constitutes federal lying statutes contained in Title 18 of the U.S. Code Section 1001 which states that : Whoever, in any matter within the jurisdiction of any department or agency of the United States knowingly and willfully falsifies, conceals or covers up by any trick, scheme, or device a material fact, or makes any false, fictitious or fraudulent statements or representations, or makes or uses any false writing or document knowing the same to contain any false, fictitious or fraudulent statement or entry, shall be fined not more than {$10000.00} or imprisoned not more than five years, or both. We do recognize the dependability and reliability of the United States Postal Service ( USPS ). Please find attached proof from the USPS and act accordingly. Thank You
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10475	Web
XXXX ( XXXX ) different companies, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX with same Account No. XXXX on the XXXX consumer reports have voilated my right, 15 U.S. Code 1692g failed to respond to request to validate the debt and provide proof of claim within 30 days of notification 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 15 U.S. Code 1692k - Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have written to all three companies for debt validation but none has responded to me despite they were informed to cease and desist all collection reporting activities on my credit report. XXXX XXXX XXXX AND XXXX XXXX XXXX still reporting under XXXX different names on XXXX, XXXX and XXXX XXXX report. Despite this, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX are reporting incorrrect : Date Opened, Balance, High Credit, Last reported, Date Last Active and Payment History.
05/24/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 63366	Web
XXXX XXXX XXXX has asked me to pay a maintenance fee for a time share which has employed deceptive and unethical business practices. I have expressed a desire get out of the obligation alotgether due to the lies I was told when initiating the original contract, Since I do not have the financial means to afford an attorney to pursue the original creditor, XXXX XXXX, to release me from my contract, I have expressed to Equient ( the caller ) a resignation to my need to pay, but no current ability to pay. I have expressed that there is expected to be no clarification or change in my ability to pay prior to XX/XX/2018. They have threatened the possibility of 3rd party collections, and I have acknowleged that possibility. I further expressed an inability to accept calls between XXXX and XXXX when I work with XXXX XXXX XXXX in the community, not in a typical office setting with scheduled breaks. They have continued to call me during these hours each day, sometimes several times per day. On a few occasions I was able to answer the call and again requeste the cease and desist with calling me when I am working. Today, an employee named XXXX XXXX me in a call at XXXX XXXX that she can put a hold on calls for a few days, but that they can not keep their automatic dialer from calling after that. I explained that this is harrassing at this point and disrupting and upsetting at my job. She kept me on the phone for over 10 minutes to verify my identity, state the mini-miranda, put me on hold to speak with a manager, etc. and still could not assure me the calls will stop now.
04/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77357	Web
This is a formal complaint against Equiant Financial Services located in XXXX, AZ. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Equiant Financial Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
04/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33410	Web
XXXX ( Equiant Financial Service ) offered me and my husband a timeshare while on vacation to XXXX XXXX, Nevada in XXXX XXXX, 2019. Under consideration, we completed the application process but the following day decided not to move forward with the contract. We was given five days to cancel without penalty. After many attempts to reach XXXX, the number provided was incorrect. I finally located a valid number, contacted XXXX, to proceed with canceling the contract ( loan ). I was assured by the representative it was canceled. However, I found a charge on my XXXX XXXX and XXXX card where a transaction was processed without my authorization. I disputed these transactions and was given a full refund as the investigation deemed I was not liable. The company, XXXX was notified. However, months later, during an application for a home loan, I was notified there were derogatory marks on my credit report for the timeshare. The company XXXX has not provided documentation as requested confirming cancellation and refuse to provide any legal document, confirming there is a contract. Moreover, after many attempts of contacting them in XXXX, the representative and supervisor refused to provide documentation and only requested I pay a large sum of money to satisfy a debt, that is not legally mine. They refuse to further assist me. I am seeking immediate resolution to remove EQUIANT FINANCIAL SVCS XXXX TimeSharedLoan XXXX11fXXXX all three credit bureaus.
07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10475	Web	Servicemember
Equiant in a recent communication States : Equiant Financial Services is the Payment Processor/Data Furnisher for the original creditoXXXX XXXX XXXX XXXX XXXX Equiant did not take over ownership. This statement clearly shows that : 1. Equiant Financial Services does not own the account. 2. Equiant Financial Services does not have a contract or business relationship with me. 3. Equiant Financial Services did not or never contacted me regarding this reporting showing any proof that it owns the account, consent from me to report the account. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I know for a fact you do not have my written permission to furnish an account on my consumer reports. 4. Equiant Financial Services is reporting the account fraudulently because, I did not and have not authorized any company or institution to use my personal information or implied for any purpose including opening an account and reporting an account fraudulently to a consumer reporting agency in the past or present. 5. Equiant Financial Services has committed identity theft by fraudulently obtaining my name, social security number, date of birth, purposefully continue reported an account after being notified to delete the account and refused to answer request for validation.
11/02/2022	Yes	Debt collection Mortgage debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19149	Web	Older American
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Equiant Financial Services Inc timeshare developers attempted to collect a debt using egregious conduct referring to debtor 's race forcing payment using prior court dismissals. As a result, compliant/debtor sought federal court action ( Edwards et al v. Flagship et al., 1:22-cv-05386-KMW-AMD ) in violation of 42 U.S.C. Section 1983 Civil Rights violation and under the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692, which prohibit debt collectors from engaging in abusive, deceptive and unfair practices. In addition, debtor filed in XXXX XXXX ( Edwards et al v. Flagship et al, ATL L-002502 22 ) against the above mentioned companies in violation of New Jersey Consumer Fraud Act, N.J.S.A. 56:8-1, which prohibits activities of " unconscionable commercial practice '' " deception '' " false promise '' and " misrepresentation. '' When called, the timeshare was never available for use under the timeshare agreement of odd year usage nor during alleged peak seasons. But, when called back minutes later there was availability at owners discounted rates. In XXXX, on top of the monthly payments there additional per night visit cost of {$45.00} dollars and one night {$100.00} dollars exercising a " double-dipping cost policy as a matter of practice and custom with deliberate indifference. We stop paying for something we has no access too.
09/04/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94585	Web	Servicemember
Equiant Financial SVCS has placed an inaccurate collection action on my credit report. They alleged that I owe {$3700.00} and am past due for this balance. However, they have provided no verification of this nor proof that owe these funds to their company. The balance is presumably based on a timeshare I previously owned. Two collection agencies ( XXXX and Equiant ) both placed erroneous collection actions on my credit report alleging HUGE outstanding ( past due ) balances owed for my prior timeshare ownership.. The balance alleged by Equiant is more than both the original loan amount ( {$2000.00} ) and the annual maintenance fees ( {$500.00} ) combined. Moreover, each month, they place a new action on my credit report alleging that the balance has increased and the payment is late by increasing intervals of time. This is a lie as I do not owe Equiant anything and am therefore CAN NOT be late in paying them. At no point did I agree to enter into negotiations with Equiant or concede that I owe any debts to their company. The actions they are now placing on my credit report are erroneous and causing significant damage to my professional and personal livelihood. I request that they remove the actions in totality and/or provide verifiable proof that the amounts alleged are owed to them and that they have a right by statute, status, or proxy to communicate and negotiate with me in this regard.
02/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80013	Web	Older American, Servicemember
My bankruptcy was discharged as of XX/XX/2019. I filed due to my husband passing and not being able to maintain both of our financial obligations on one income. Included in this discharge was a XXXX XXXX credit Card and a Timeshare that were both successfully discharged with debt owed. Equiant Financial has been fraudulently reporting the timeshare as an active foreclosure debt and the XXXX XXXX credit card as active as well. I am attempting to buy a home now that I am retired on a fixed income and need to lock down a home to spend my days without the worry of fluctuating rental market. Several lenders have explained that they are unable to look past the fact that this timeshare and credit card are being reported even though they have the supporting discharge paperwork due to the flagged " foreclosure '' in their underwriting systems. Lexington Law claimed they had filed a dispute. I terminated our working relationship when they did not escalate this issue appropriately and now I am attempting to achieve this on my own. I have filed a complaint to XXXX ( the only bureau that is falsely reporting these discharged items. ), and I contacted the collection company that bought this item after it was discharged. I need help getting this removed because it is heavily affecting my quality of life and my financial mobility. What more can I do to escalate and remove these fraudulent items?
09/11/2016	Yes	Mortgage Other mortgage	Loan servicing, payments, escrow account	NY 11561	Web
In XX/XX/2016 a formal notice of dispute was sent certified mail to Equiant Financial demanding the validation and verification of an allege loan debt, Equiant Financial failed to respond. In XX/XX/2016 a second notice was sent demanding validation and verification of an alleged debt, Equiant Financial failed to respond. in XX/XX/2016 a third notice was sent and Equiant Financial failed to respond. Equiant Financial is in violation of Fair Debt Collection Practices Acts that require a debt collector to validate the debt they are attempting to collect on. Equiant Financial is violating XXXX Laws which require a debt collector to cease and desist collection activities prior to validation of alleged debt. Equiant Financial continues to attempt to collect on an alleged debt without strict proof of its existence. This falls under XXXX and XXXX laws. Equiant Financial is sending mail with false and fictitious names, a criminal conduct falling under XXXX XXXX XXXX. XXXX - Fictitious Names. I also reviewed my credit report and noticed Equiant Financial continues to publish negative remarks to Experian and Transunion credit agencies. Equiant Financial also failed to report this debt to the credit bureau as being disputed. This is defamation of character and a violation of Fair Credit Report Act which falls under willfully non compliance.
09/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07017	Web
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
09/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46410	Web
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
09/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77598	Web
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
03/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39503	Web
on XX/XX/ 2019 I contacted XXXX XXXX to clear up and installment loan that was acquired by XXXX XXXX. I paid XXXX dollars with a debit card, this payment has cleared the bank. when i made this payment my account read on my credit bureau that the original loan was for XXXX and my balance was XXXX, and that i was late XXXX dollars, now i paid XXXX, the next week the credit file had been update by them to show i was past due XXXX! after i just made the payment, that same week XXXX XXXX sends me a bill saying i owe XXXX for past due fees a monthly bill of XXXX for a total of XXXX not due til XXXX OF THIS YEAR?!. we called XXXX to see what was going on and you cant get any one on the phone so we called XXXX XXXX they tell us they didn't use the money we paid to pay our late fee THAT WAS INCLUDE IN THE TOTAL AMOUNT PAST DUE OF XXXX, THEY SAID WE ( XXXX XXXX/XXXX ) CAN APPLY IT WHEREVER WE WANT. now XXXX XXXX wont even answer my husbands calls and the credit bureau STILL is reporting wrong. So we have two bills received in the same week that totally contradict what is really going on. The bills received also has two different balances than whats even reporting to the credit bureau! so that's a total of three different balances. We've recorded all these phone calls as well.
12/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 779XX	Web
EQUIANT FINANCIAL SVCS XXXX - I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my consent. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes & sent out disputes/validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
12/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 779XX	Web
EQUIANT FINANCIAL SVCS XXXX - XXXX did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my consent. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested XXXX times for verification of this account and send out disputes & sent out disputes/validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
09/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38125	Web
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & today XX/XX/2021. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
12/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14120	Web
Equiant financial services. Account ending XXXX. Time share date opened on Credit report. XX/XX/XXXX between. The account was charged off at {$2500.00}. Account right off at XXXX past due as of XX/XX/XXXX original balance was XXXX for 36 months that says on my record its on my credit report to XX/XX/XXXX updated XX/XX/XXXX. I did NOT sign any time share. Nor did my husband. We went on a seminar. Stayed there three hours. After a seminar was Complete and we said no. We signed for XXXX tickets. They said we had to sign to get our XXXX tickets. Now Im getting reported from this place that I never even signed for. Equiant financial services. With no proper documents from either place. With a timeshare. Dont you get a deed to the timeshare. I dont even have a deed nor did I ever have a deed. I dont even know where to go. So why am I being responsible for this kind of price. With this company that wont take it off my credit report. Or off my husbands credit report. Ive never had proper documentation saying that I had a timeshare. Please help me fight us. For me and my husband. This is theft of services. False advertising. They are hurting us. I did the Time share Seminar at XXXX XXXX XXXX XXXX. Please help me.
04/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90250	Web
I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, XXXX and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, XXXX and XXXX ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.
08/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73170	Web
EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
04/12/2023	Yes	Mortgage Other type of mortgage	Incorrect information on your report Information belongs to someone else	TX 77351	Web
It is called Equiant finance and I did not authorize them to take a loan out for this. I have never even heard of Equiant finance when we had looked into this vacation club. Apparently it is also a mortgage which we also did not know because we were told is was a vacation club and not a mortgage or timeshare. Ive been trying to get it off my credit for a while now, and its been taken off all of my credit reports besides XXXX. I paid the balance off because it was stopping me from being able to move my family to a better house, but I still can not get approved given they havent updated that I am current and the loan is paid off. I did not allow this company to put a loan on my credit, nor was I told it was considered an open mortgage that would be passed generation to generation. This company is fraud, all of their XXXX reviews confirm that as well. They showed us an A+ on the XXXX but doing our own search, they were not accredited and has awful reviews saying the same thing about them putting a loan/mortgage on their credit without their consent.
07/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73170	Web
This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
08/01/2017	Yes	Mortgage Conventional home mortgage	Trouble during payment process	NJ 080XX	Web
I bought a time share with a deed at XXXX XXXX XXXX in XXXX VA, the mortgage is held by a company called Equiant. I make my monthly payments plus an additional principal payment each month. In the past they did n't apply the additional principal payments properly so I always check my statements carefully. I found that in XXXX of 2017, they did n't apply any principal from my regular payment ( it would have been a smaller amount due to the number of days between payments, but that is n't the point here ). When I called and asked about it they told me that there must have been a glitch in the computer system and that there was nothing they could do about it. I asked them to go back and make an adjustment and they again said there was no way to do that. I spoke with XXXX and she spoke with her supervisor XXXX who confirmed they could n't do anything about that particular payment and I should just keep an eye on my future payments. Please look into this and help me and others make sure our payments are applied properly.
07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90059	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30349	Web
I have reached out to said companies several times about the inaccurate information being reported on my report. In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) states NO consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37660	Web
EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in-house financing and not third party loans. My information was provided to this company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested verification of this account. This has not only caused us much financial hardships, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. This inaccurate account is being reported in my credit records and is hurting my financial stability.
09/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44146	Web
EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in-house financing and not third party loans. My information was provided to this company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested verification of this account. This has not only caused us much financial hardships, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. This inaccurate account is being reported in my credit records and is hurting my financial stability.
12/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70461	Web
I've disputed several inaccuracies on my credit report with dispute letter dated XX/XX/2020 to XXXX for the account Equiant Financial Services that's being reported on my credit profile. XXXX responded back to me stating the company that reported the information has certified to XXXX that the information is accurate. I am filing a complaint on XXXX and Equiant Financial Services for the inaccurate information reported on my credit profile which is highly damaging to my credit score. Because of the inaccurate information reported I would like for the item Equiant Financial Services be deleted per FCRA. In the dispute letter I also asked XXXX to disclose all information to me in my consumer file clearly and accurately per Section 609 ( a ) ( 1 ) of the FCRA without any truncates of my account number and social security number. XXXX have failed to do so as I requested.
11/08/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MD 21207	Web
I purchased a timeshare and in 2012 defaulted on the loan due to being laid off. I was contacted by XXXX the original creditor and was offered to sell back my timeshare to my understanding at the time I filled out the ppwrk but never received the {$200.00} it is now showing on my credit report as a foreclosure. I contacted Equaint Financial and was told they do not have the loan or can not service it and was told to contact XXXX XXXX they advised they never serviced my loan it was sold to them by XXXX. So they have no knowledge of the opportunity to sell it back. My issue is that from my understanding Equaint can not report to the credit bureau for a debt they cant service or own. Once I reached out to them they reopened my account and it no longer is saying foreclosure but is saying that it is 120-149 days late. How can this be when it was closed for foreclosure.
11/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33056	Web
I hold Equiant Financial Service fully responsible for this derogatory collections on my credit report. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. Equiant Financial Service as not sent the appropriate verification by the FCRA section XXXX ( A ) ( 1 ) ( A ). Then Equiant Financial Service has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
05/04/2023	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	TX 77429	Web
On XX/XX/2023 my credit report was pulled and I noticed there was an unfamiliar account on my report card Equiant Financial Services. I called and spoke with XXXX. She informed me the the company I previously was with sold the company and that I needed to pay the charge off balance in full. According to my credit report the account is reporting open with just a past due amount of {$1500.00}. XXXX XXXX continued to tell me that {$1500.00} was not the amount she can accept in fact it was over {$9000.00} that I had to pay. She then placed me on a long hold and returned with another $ $ $ $ dollar amount for me to pay. I kindly declined to pay any amount as I was not sure if I owed the amounts given. Based on the credit report there are a lot of inconsistencies with the amount of payments past due and the joint account
08/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33578	Web
I would like to file a complaint against Equiant Financial Svcs. I am being harassed with phone calls while they're using a different name, they disguise their identity as XXXX XXXX. Also, I only agreed to in house financing and not third party loans. My personal information were sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. I never gave authorization & never had proper notification that this Equiant Financial is going to be collecting payments and/or reporting them. They are harassing me with phone calls to collect money but they're using a different name, under XXXX XXXX. I am submitting this complaint for abuse and deception of identity. They are violating FDCPA by harassing phone calls while using a different name.
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ XXXXX	Web	Servicemember
Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
02/05/2023	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	TN 37214	Web
Equiant Financial Services, account number XXXX charged multiple late fees to include 120 day day late fees ( never occurred in nearly a decade of credit usage ) for outstanding balance that was drafted and scheduled. Due to issues at local bank, now a closed and paid in full account, job change and change of address, even when payments made, lack of consideration to reach out to consumer resulted in undue hardship and substantially negative credit impact. Please remove the late fees of 2022 immediately. Unable to secure a mortgage at the present moment due to multiple late fees from this single servicer. Account current, lump sum and on time payments being made, yet damage to credit done will linger for years and cost thousands of additional dollars if not corrected.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23116	Web
On XX/XX/2023 I notified XXXX XXXX about them inaccuratley reporting a 30 day late payment on my XXXX Credit Report. At the same time I reported the dispute to XXXX. XXXX notified me the resolution had been posted. When I checked, they reported me late in XXXX, rather than removing the 30 day late in XXXX. The XXXX payment was not even due. I then disputed it again with XXXX. On XX/XX/2023 they notified me that the dispute was reolved. They removed the late payment in XXXX, but failed to remove the intial late payment in XXXX have yet to receive a response or evidence showing the late payment in XXXX as of XX/XX/2023, which has been several days beyond the intial 30 days I requested the dispute to be settled in.
11/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MO 64152	Web
I noticed this account on my credit report and I did not recognized the debt. Under account type the debt is listed as mortgage however I have never purchased a property. I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. The amount listed on the credit report is for a total of {$3400.00} also listing a past due amount of {$740.00}. I have no idea what this debt is, who's this debt is as I have never had anything remotely close to this.
02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 190XX	Web
My name is XXXX XXXX. My address is XXXX, XXXX XXXX, XXXX PA XXXX. Email address is : XXXXXXXX XXXX XXXX XXXXXXXX my complaint is about financial company calls : XXXX XXXX XXXX. The located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX number is XXXX. Ok I was pulling my credit report last month and I found them on my report as timeshare loan and I owe them XXXX XXXX I dont know anything about this loan and I never ever made any business with this company they never even send a bill to my house I tried to contact them 10000 of time they never answer I wrote them. They never respond back. Plz I need help I need this out of my credit report. Thank you
08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85364	Web
I had my credit ran by a mortgage lender and an account EQUIANT FINANCIAL SVCS is reporting with XXXX. I had already reached out to this company letting them know this is NOT my account, i filed a police report ( attached ), I reached out directly to XXXX and let them know that the account is not mine and that there was someone else 's name on my report 'XXXX XXXX XXXX. I also went to the Social Security Office and let them know to flag my account/ SSN. I have done my due diligence and this negative account is still reporting and negatively impacting my ability to purchase a home. This account is showing as a 'foreclosure ' status.
08/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46410	Web
The account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. The account also can not be verified. I have requested verification more than once and received nothing. My information was sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19132	Web
This account is inaccurate and l never had a contract with Equiant Financial under the 609 fair credit act. It is illegal to buy another person account and produce inaccurate information on that person credit. I requested Equiant Financial produce sign original document showing this account is owned by me and they are the original owners of the contract. I will be filling a civil Lawsuit for violation under the 609 fair credit act. This collection Agency was allowed to update inaccurate information instead of deleting false information which is a direct violation. This is also fraud and must be deleted immediately.
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 154XX	Web
I sent a letter to Equiant Financial Services on XX/XX/2022 and got no response I also sent letters to XXXX on XX/XX/2022 to explain how they verified this account with proof of letters that the account is in another individuals name and not mine. Did not get an answer to how they verified the information. Sent letter to Equiant Financial Services on XX/XX/2022 and got no response again. Sent letter to XXXX again on XX/XX/2022 and got no response from them as well. Neither company has provided any documents to me explaining how this account is on my report. No proof and not even one response from creditor.
09/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 350XX	Web	Servicemember
ON XX/XX/2021 I NOTICED AN ACCOUNT ON MY CREDIT REPORT IN THE RESULT OF IDENTITY THEFT. I CONTACTED XXXX XXXX XXXX XXXX TO WARN THEM ABOUT THE FRAUDULENT ACTIVITY. THIS COMPANY FAILED TO INVESTIGATE AND PROVIDE ME WITH ANY AND ALL SUPPORTING ITEMS REPORTING INACCURATE AND FRAUDULENT INFORMATION ON MY CREDIT REPORT WHICH IS A COMPLETE VIOLATION. THIS ACCOUNT HAS NOW BEEN SENT TO A COLLECTIONS FOR DEBT THAT I DO NOT OWE BECAUSE OF THE LACK OF KNOWLEDGE, INTEGRITY, PROFESSIONALISM, AND BEING COMPLIANT AND REFUSING TO INVESTIGATE AT ALL. LEAVING ME TO HAVE A DAMAGED CREDIT REPORT FOR SERVICES I DID NOT OBTAIN
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 291XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IN 46123	Web
I've never done business with Equiant Financial service I've been disputing this account several times attempting to remove this fradulant item from my experian credit report and they refuse to remove the item. I've repeatedly informed Equiant Financial service and XXXX that I've been a victim of identity theft and I've never done business with them and none of these entities has tooken action to resolve this issue which is affecting my life and my families life. They've broken the law and has caused me to lose opportunities to access funding for my business and credit cards for personal use
03/23/2021	Yes	Mortgage Other type of mortgage	Closing on a mortgage	MO 63136	Web
Equiant ( XXXX XXXX ) haven't respond to none of my letters to get out of the time share when I was only 2 weeks in the time share from XXXX XXXX I never received a responds and been trying to go so many ways to get out of XXXX XXXX time share, do to lost of my home because of lies of the XXXX XXXX, I have talk to multiply people at XXXX XXXX said they received the letters and would get back to me by letter or call they also lied about that as well, now I'm really in debt do to covid-19 struggling with XXXX kids. please i just want this account completely deleted off my credit.
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	VA 23666	Web
We've contacted equiant and XXXX XXXX plantation several times concerning our account. We were tricked into signing up for something that had nothing to do with why we came. We canceled it and now left with a XXXX bill. We've agreed to take care of maintenance fee, which we did but they're still reporting negative on our credit. They've said plenty of times it's not them it's credit bureau but the bureau insist they only report what people report to them. We've done what was asked now they need to delete this negative item off so we can finally buy our house.
09/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 900XX	Web
Due to the Pandemic EQUIANT FINANCIAL SVCS starting reporting a late payment that I since been on time. EQUIANT FINANCIAL SVCS never reported on my credit before the Pandemic in which I was blindsided nor warned they were going to do so in order for me to correct any problem. Now for Some reason they are reporting negative history on my account that is affecting my score. I'm current and baffled why are they reporting on my credit file after my initial dispute they removed it. This is a mistake and I need it removed immediately.
04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73034	Web
This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
04/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 73034	Web
This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
10/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 73012	Web
We received a loan in XXXX for a timeshare type service XXXX XXXX XXXX that we did not realize at the time was a fraudulent company. We have not had any success contacting the company through mail, email, or phone. We were lied to about pricing of the travel site and pressured into getting it. We have also not had any luck resolving with Equiant whom the loan is through. As a result of now contact or resolution. We stopped paying in XX/XX/XXXX and are now seeking credit repair services to fix the issue.
04/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 317XX	Web
My credit report is showing an account with EQUIANT FINANCIAL SVCS which was opened on XX/XX/XXXX and last reported on XX/XX/XXXX with a balance of {$2900.00}. I have repeatedly disputed this with the company, but they refuse to comply. I have never heard of this company. I have never had an account or an agreement with this company. I do not owe this debt. This has seriously hurt my ability to obtain new credit, vehicle and/or a mortgage loan. It has been a detriment to my financial credibility.
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 74701	Web
This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR XXXXX	Web
In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 751XX	Web
I do not feel that Equiant is accurately reporting information on my behalf to the credit bureaus. Equiant and the original creditor XXXX XXXX are in violation of the FCRA by failing to adequately explain and or verify the debt that they are reporting. I will be seeking statutory damages under the FCRA in the amount of up to {$1000.00} for each violation. I have signed no type of mortage agreement binding me to this company so please remove this immediately from my credit report.
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 286XX	Web
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
07/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48124	Web
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
07/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19348	Web
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who Equiant is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 286XX	Web
I have never given anyone my permission to open an account with this company. This account is unauthorized and therefore fraudulent. I don't even know who XXXX is. I have never opened an account with them and it was opened without my consent. The account also can not be verified. I have requested verification more than once and received nothing. I have been defrauded and taken advantage of. This account needs to be closed immediately and removed from my name.
08/27/2017	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Received bad information about your loan	VA 23666	Web
i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34668	Web
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
08/07/2020	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 Was not notified of investigation status or results	NY 10567	Web
On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.
04/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA XXXXX	Web
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late.
03/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89106	Web
I requested validation and a copy of the signed contract for a debt listed on my credit file. The company responded with we are unable to grant your request and provided a payment history but not the initial signed contract and stated they are reporting the information accurately. This is not accurate and I think if a company is listing a debt against you they should be able to provide validation. Please help
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 718XX	Web	Older American, Servicemember
The company posted late payments on my account incorrectly. Some were made before XXXX on the weekend and they didn't post until the next business day. The company also did a credit check without my authorization. I already had an account with them and I was not seeking additional funds. I don't understand why they did a cred check. Some of the their customers service representatives are very rude.
04/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89084	Web	Older American, Servicemember
Purchased timeshare XXXX XXXX .Contract amount was XXXX at 18 % rate. On XX/XX/XXXX Loan was payed off in the amount of XXXX. Payoff was never submitted to any credit bureau. Payments were payed to a company called EQUIANT. I've reached out to XXXX XXXX and XXXX XXXX on several occasions to no avail, they insist XXXX was notified of payoff. My account # XXXX
06/13/2019	Yes	Debt collection Mortgage debt	False statements or representation Attempted to collect wrong amount	NV 89135	Web
There is a collection account showing on my credit file for a Timeshare. The account is very old. I remember this thing because the Timeshare people lied and when I tried to rescind within the 3 days they told me it was too late. I have been disputing to try and get removed and they sent a payment history that shows excessive charges and proves it's old.
02/27/2020	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 32068	Web
I pulled my credit and noticed that a company listed by the name of Equiant Financial Services. I have never had a Mortgage before nor did I do it with a joint person. The second company is XXXX XXXX. I have never heard of this company but they will never validate the debt as I have asked them to do because I never had an account with them.
06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75165	Web
Please see attached identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have repeatedly ignored my verified claims. They are unlawfully and illegally reporting fraudulent accounts on my credit profile.
06/07/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 290XX	Web
Equiant Financial Services is reporting an account on my credit report that has an inaccurate balance owed. I had previously requested Validation of this alleged debt however company has not provided that information. I would like a full validation of the debt including the amount owed.
11/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NY 10456	Web
There is a time share reporting on my credit report. When i call to get information on it they are unable to locate by name social email or phone. Not being able to identify or resolve this account either way is hindering me from home purchase.
01/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 329XX	Web
My name is XXXX XXXX and XXXX is reporting an account that I never had with XXXX XXXX XXXX. XXXX. This has been disputed several times and it has been disputed several times. I have never had an account with XXXX
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60435	Web
XX/XX/2021 this is a cease and desist notification, and debt of validation letter. My credit report has been compromised without validation and authorization. Please remove from all credit reporting agencies.
06/29/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA XXXXX	Web
XXXX XXXX services appears to be aging my " debt '' by making payments or claiming that my wife and I are making payments on the account in which we do not have business with them.
04/20/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10467	Web
i have contacted this collection agency and told them that this account was never mine. my personal information was used without my consent. i need this fixed immediately
04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 36608	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
12/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29803	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
11/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29803	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
10/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29803	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
06/26/2023	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 782XX	Web
XXXX XXXX I Do not qualify for Time share Furloughed in XXXX natural declared disaster no income
03/01/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	WI XXXXX	Web
paid off 100 % in XXXX XXXXXXXX can't charge interest on no debt.
06/30/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89131	Web
Please see attached report. This is not my account
01/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92243	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 71220	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 34668	Web

11/10/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34668	Web

09/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30907	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77071	Web	Servicemember

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web

06/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85746	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71220	Web

04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 304XX	Web

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

09/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92311	Phone

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10538	Web

08/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NY 11203	Web

08/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10538	Web

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 90047	Web

04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 90044	Web

03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70119	Web	Older American, Servicemember

02/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10470	Web

02/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10028	Referral

01/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33063	Web

01/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92376	Web

01/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92376	Web

08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48228	Web

08/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33713	Web

05/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46123	Phone

04/10/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33579	Web

12/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19104	Web

11/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10469	Web

10/30/2020	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 Their investigation did not fix an error on your report	UT 84043	Web

10/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18508	Web

09/16/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23113	Web

07/30/2020	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 Their investigation did not fix an error on your report	NJ 07502	Web

05/15/2020	Yes	Mortgage FHA mortgage	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60586	Web

02/13/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MS 39503	Web

01/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91730	Web

01/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91730	Web

10/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21214	Web

08/21/2019	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PR 00936	Phone	Servicemember

12/10/2018	Yes	Mortgage Other type of mortgage	Trouble during payment process	CA 91352	Postal mail

10/10/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85043	Web

08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07205	Fax

05/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 19124	Web

05/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	NM 87122	Web	Servicemember

08/16/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90302	Web

03/17/2017	Yes	Credit card	Delinquent account	NY 11203	Phone

02/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90250	Phone

12/12/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	NV 89109	Web

11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85374	Web

06/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30144	Fax	Servicemember