Kovo CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/27/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web
This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you KOVO INC are in violation as I never gave you my information directly ; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you KOVO INC used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefor I a consumer created the debt via my extension of credit to KOVO INC ; You KOVO INC shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You KOVO INC are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you KOVO INC is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ; I hereby Demand! That you KOVO INC cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; Take further notice that your failure to follow these laws will result in me invoking specified remedies Pursuant to 15 U.S. Code 1692c ( 3 ).
11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77008	Web
Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Kovo INC is a financial institution by definition under that title. Per 15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Kovo INC the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and Kovo INC whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Kovo INC has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also Per 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MD 20782	Web
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Kovo Inc you furnished alleged transaction on my { XXXX, XXXX } that you identified as late. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not rely to me stating that you are furnishing accurate information because we both know your not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX _________________________________ Without Recourse UCC 1-308
12/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35020	Web
Dear Kovo Inc, I am writing to bring to your attention the inaccurate reporting of an account on my credit file, which I believe is a direct violation of the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report and after careful review, I discovered discrepancies that need immediate attention. Balance Discrepancy : The reported balance on this account is {$190.00}. However, I have no knowledge of this account, and the reported balance is inconsistent with any financial transactions or obligations on my part. Late Payment Inconsistency, According to the information provided by XXXX, this account shows five late payments. However, upon reviewing the records, it is evident that only one late payment has occurred with XXXX which is a direct violation of the FCRA. The false reporting of this account has caused me significant stress and has the potential to negatively impact my creditworthiness. In light of the FCRA regulations, I kindly request the immediate removal of this account from my credit file to ensure accurate and fair reporting. I expect this matter to be resolved promptly, and I kindly request confirmation of the removal of this account from all three credit bureaus ( XXXX, XXXX, and XXXX ) within three business days from the receipt of this letter. Failure to address this issue within the stipulated time frame will leave me with no option but to pursue legal action to rectify this matter. I trust that we can resolve this matter amicably and avoid any unnecessary legal proceedings. Please acknowledge the receipt of this letter and provide a written response outlining the actions taken to rectify the inaccuracies in question. Thank you for your prompt attention to this dispute. I look forward to a swift resolution. Sincerely, XXXX XXXX
04/13/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WA 98597	Web
I signed up for Kovo Credit Builder because of their association with the app XXXX which promises to give a {$20.00} payment if you open an account with Kovo and make 2 months of on-time payments for {$20.00} to your credit builder loan. All of this seemed fine with me so I signed up with Kovo and successfully made my two months of payments for {$20.00}, but afterwards did not really see the benefit in keeping the account open, so I wrote Kovo Customer Service and asked to have my account closed and my {$40.00} back. The customer service representative emailed back saying that they had closed my account but my {$40.00} would not be refunded because they have a 30 day money back policy and my request came after 30 days. I dont understand how this happened? If there was a stipulation like that I was not allowed to reverse my decision to close the account or even told that if I did I would be forced to lose the money I had already paid. Why would a company take your money and not even tell you if you were at risk of losing it if you decided to stop their service? What if I had put in {$100.00}? Isnt the whole point of credit builder loans to be loans that you pay in advance and then have a line of credit that you have already paid for? Why do they get to keep any money that is my money? I smell a scam!
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60610	Web
Kovo Credit reported on my XXXX credit report as if the account I opened with them was a collection and I settled for less than what they lent me PLEASE SEE ATTACHED ). Based on Kovo credit website, it is a credit builder company. That have a monthly service for some sort of downloadable books or pdf 's. Nowhere on their website does it says you can cancel and if you cancel you will be penalized. I have attached screenshots from their website and the only email screenshots that I have. Nothing mentions any sort of cancellation repercussion. I signed up for their membership ( NO CONTRACT ) on XX/XX/XXXX and made the first payment, I made another auto payment from my account on XX/XX/XXXX, and on XX/XX/XXXX I sent them a cancellation email. On XX/XX/XXXX they responded to the email and acknowledged they cancelled my account per request and will be sending me my money back ( SEE ATTACHED ). Under no circumstances did I get any credit from them or services from them, for them to inaccurately flag my report as " Settled Account '' and report it negatively. THIS IS MISREPORTING. THIS MISREPORTING CAUSED MY CREDIT SCORE TO SIGNIFICANTLY DROP.
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29406	Web
You violated the United States Code Law ( TILA 15 U.S, Code 1666 ( b ) charge error ). Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error. The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. A computation error or other similar accounting error on a creditor 's statement. Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access verifiable evidence from the creditor 's financial institution that substance my non late status, which can be attributed to an evident billing error. my consumer report states each of the item below needs to be change in reflection agreed upon payment.
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 Their investigation did not fix an error on your report	IL 60411	Web
I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. Account info Account name KOVO INC Account number XXXX Account type Sales Contract Responsibility Individual Date opened XX/XX/XXXX Status Open. {$10.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$180.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$10.00} Original balance {$240.00} Highest balance - Terms 24 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days Payment history guide 30 days past due as of XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 853XX	Web
My Kovo account has been on auto pay since day one. Never had an issue with payments. A couple weeks ago I got notified my credit score dropped almost 100 points due to a delinquent payment. I reached out to the company and was told there was a system error that caused all auto payments to get stuck pending and also falsely report delinquent payments to the bureaus. I was told by a representative that none of this should have happened and that they would have it removed from my report immediately. Then, communication was lost. This error is still showing on all bureaus. Ive messaged the representative 3 times as well as the support email and not received any response. My character is being destroyed to the bureaus and my credit score has taken a huge hit due to nothing of my fault.
10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11420	Web
KOVO INC reported on XXXX to my credit profile a sales contract of XXXX, stating this was opened on XX/XX/23. I never opened nor authorized nor signed any agreement or contract for an installment loan. I never gave nor approved anyone to issue me any credit for this amount. This company charged me an amount of XXXX to my account for payment as an initial payment towards this loan. I never gave this company my credit card or bank information for payment. I want my money refunded and this account closed without any negativity to my credit report. Please have this account closed and removed from my credit profile. I called this company via phone call and emailed them with no response. They refuse to answer the phone at any time of the day.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act you have violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
01/13/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	NC 27405	Web	Servicemember
In accordance with the Fair Credit Report Act Kovo inc has violated my rights. Allowing a late payment reporting on XX/XX/22 XX/XX/22, XX/XX/22. Under 15 U.S. Code 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise a respect for the consumers right to privacy. 15 U.S. Code 1681 Section 604a Section 2 also states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
10/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO 65616	Web
On XX/XX/ I applied thinking this was a loan company. I was approved for a loan as it clearly stated that. I signed the loan agreement and it said the payments were {$10.00} a month for two years. The problem is that I didn't receive any money. They expect me to pay the {$10.00} a month for nothing as I contacted them and was told that I do not receive any money or cash. Why would I agree to pay {$10.00} a month for nothing at all. I googled loans and there name came up. It also says that if your unhappy with your purchase you can request a refund within 30 days and I did that by email to not receive any correspondence back from them imagine that.
11/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	GA 30093	Web
I am in the process of fixing on my credit and there is the company by the name of KOVO stating that they can help you build your credit like a loan but they dont loan you anything they take money from your account. The process is 24 months well I had noticed that my credit wasnt updating I contacted them to close the account and refund me my money. They basically stated that they couldnt the funds they get from their clients is used for covering their operation cost. They will not refund me the money I have paid also they are stated to close the account they will forgive the loan, but they have not giving me a long its my money I want it back.
04/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SD 577XX	Web
On XX/XX/2021 I sent the KOVO the following message from XXXX " I have enjoyed my service with Kovo. How ever, because I have been in the hospital for a month fighting COVID, I need to close all of my non-essential accounts. Please close my account before the beginning of the month. I don't believe I am entitled to anything but if I am please mail it to XXXX XXXX XXXX. XXXX, SD XXXX. '' They did not close my account like they should but instead added months of late payments to a secured loan against their own rules.
12/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 02148	Web
I canceled My Kovo credit XXXX account In XX/XX/ 2022 they are now charging my accounts without authorization and reporting negatively to the credit bureaus i no longer do business with Kovo credit XXXX I've reached out to customer service and all my request have been ignored i was up to date with all my payments they have no right to report a discrepancy on my report especially when the account was terminated in XXXX thank you for your time and consideration on this matter
10/26/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	CA 92880	Web
I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. My XXXX credit report shows the following : Kovo INC shows balance {$240.00} oppened on XX/XX/23.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08046	Web
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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.
07/17/2023	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	KY 424XX	Web
In accordance with the fair credit reporting act! XXXX Account has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
12/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA XXXXX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about this complaint. KOVO INC XXXX Balance : {$170.00} ;
06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Confusing or misleading advertising or marketing	NC 28311	Web
I signed up for Kovo, which is marketed to be a credit building service. Its actually a {$240.00} library of resource materials that the customer pays for in installments. The payment history is reported to the credit bureau. I do not want to purchase resource materials that I can get for free. This companys advertising is misleading and confusing.
11/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89119	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. This account is reporting late as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21224	Web	Servicemember
Some used my name to open up account that aren't mine and do not match my address, phone number, or even the state I live in. Please note My suffix is Sr. I tried to contact the company but they say my information doesn't match and they can't pull up the account but it's showing up on my credit report.
09/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Information belongs to someone else	MN 55343	Web	Servicemember
The installation loan with Kovo , Inc., is a unauthorized and fraudulent account. I never applied for or opened an account with Kovo, Inc. The account is a fraudulent account and isnt my account. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77082	Web
Ive ask these companies to show proof that that accounts reporting on credit report belongs to me which they don not these accounts was open in my name without knowledge also there are 2 accounts with self reporting on credit which dont belongs to me.
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92128	Web
I was reported as being late due to an error online with the updating of a new debit card to make the monthly required payment in this credit building program. I would like a reversal of that and it removed from my credit report.
12/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NM 87108	Web
Back in XX/XX/2023 this came up with another loan yhat I never supplied for. I don't know what Kovo is and I never got a loan in another town with XXXX XXXX. I have disputed them numerous yikes but it's still there.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35020	Web
The following company is currently reporting an incorrect account to my credit file, please remove this account from my credit file. I have attached a copy of my dispute letter as well as my police report.
02/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 483XX	Web
XXXX keeps reporting fraudulent items on my credit report. The account is Kovo Inc I dont when it was opened but Ive attached the police report and FTC report and again this placed back on my credit report
09/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 142XX	Web	Servicemember
I should not have not 1 negative thing on my credit my credit should be about XXXX points higher can you please delete everything on credit report that is reporting negatively incorrectly
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35209	Web
Kovo has a fraudulent account on my credit they refuse to remove it a credit repair company went out of business..the account was illegally open with out my authorization
05/14/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IN 46516	Web
Kovo the account is closed and I keep trying to put late payments on it. We can do agree with a paid in full and cancel it, and they still trying to put life is on it.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KS 66441	Web	Servicemember
My identity was used for a credit card and I already wrote to this companies thats Im not responsible for it and needs it to be removed asap
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	OH 44106	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33162	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	KY 40245	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20020	Web	Servicemember

01/14/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30601	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60629	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71106	Web

12/26/2023	Yes	Credit card Store credit card	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web

12/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	HI 96816	Web	Servicemember

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 291XX	Web	Servicemember

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29209	Web	Servicemember

12/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34758	Web

12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21206	Web

12/08/2023	Yes	Debt or credit management Credit repair services	Confusing or missing disclosures	MI 48227	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33607	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44108	Web

11/11/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	HI 96816	Web	Servicemember

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30274	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33647	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37064	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73533	Web

09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60616	Web

09/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem when making payments	NY 12204	Phone

08/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21215	Web

08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10034	Web

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21206	Web

07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38114	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 62526	Web

07/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 77040	Web

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 Their investigation did not fix an error on your report	FL 33060	Web

04/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 15003	Web

04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48228	Web

04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30318	Web

03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33432	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75209	Web

11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27455	Web

07/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	FL 33619	Web	Servicemember

06/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10027	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34237	Web

02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34237	Web

01/20/2022	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	FL 33014	Web