| 10/07/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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I am filing a Complaint against the three Credit Repositories CRA XXXX XXXX & XXXX. Under the FCRA I am a Military Retired XXXX XXXX Veteran who is trying very hard to improve my credit by paying my bills on a timely and responsible manner for the last 4 years I have contacted the CRAs and Complaint about Unverfied late payments due to VA hospilization and unfortunately I fell into a Hardship and could not pay on time 30 days late and some late charges are unverfied we're not corrected by the Mayor credit reporting agencies. CRAs since XX/XX/2015 I have been fighting the Credit Bureaus by disputing inaccurate late payments and Collection Accounts that we're not Validate by Creditos. All I received was was updated credit reports that we're Verified How is it possible since I Disputed? I and disputed on a monthly basis the inacuracies of there investigation? I have disputed the Collection Accounts as inaccurate and unverfied upon sending Certified mail month after months as I was exercising my rights under the FCRA611 ( a ) ( 7 ) Request to a complete Description of all methods used to investigate my information disputed, I believe the CRAs are not physically vefying anything by a human interaction they are using Electronic verification to expedite there 30 day response!? t I sent many Dispute letters that we're certified returned Receipt and also notarized, I am sure the FCRA required the CRAs to verify the validity of the Disputed item in question within 30 days if the validate can not be verified in my case they are obligated to by law to remove the item.there is a clear case of Unverfied debt, and late Payment history that was never deleted also As a Military Veteran by Credit Standing is very important in trying too obtain VA funding for my self and family Unfortunately because of the Derogatory Collections and late Payment my score and the refusal of the CRAs XXXX, XXXX & XXXX to delete the misleading Derogatory marks and Collections it is keeping me from attaining My Goals due to a lower Credit Scores that we're not corrected by the CRAs Please note According to FCRA 623 ( a ) ( 3 ) I send legal Validation letters to creditor disputing that we're putting Derogatory Unveirfied marks on my credit report without prior Validation the debt in the interim the items in question we're not Validated by Collection agencies I also sent Proof by certified mail and the CRAs Credit Reporting Agencies continued to ignore my request to investigate and delete upon properely Documentation they received all previous letters were Documented for future Legal intervention, in an exhaused effort I feel my rights have been Violated by the CRA these unverfied notations on my credit file is a financial set back because of the high cost of financing a home the Collection activity is doing great damage as s XXXX XXXX XXXX XXXX Recipient XXXX Veteran, The CRAs Must be in compliance with the laws Congress and FCRA inplement, this should not be a battle to correct and injustice in my case of unfair credit reporting The CRAs take it upon themselves to keep good paying customes at a subpart credit rating it benefits them and there multimillionaire friend 's and companies they could care less for A Military Man who fought for the honor and protection of my country perhaps I am just a 3 digit number to the CRAs ..I am demanding the XXXX XXXX and XXXX to delete and do justice in my case and Previously noted : I am Also Excercising my rights under the FCRA 611 ( a ) ( 7 ) and the FDCPractice Act. I will continue to Challenge any Derogatory Mark 's placed by the Credit Bureaus Agencies. Even if I have to litigate in The Courts If they do not respond I am a Litigious Person and intend to follow through Suit,!! I will use the Courts and my Attorney as needed to enforce my rights Under the FCRA. I look forward to an uneventful Resolution of this matter.thank you.
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| 04/29/2015 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This collection agency got my medical information and should n't have. I signed statements on this account they have on file that the account was n't mine.
They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me.
This company is very scary and has the tact of an ape. They call at all hours of the day and night. They XXXX called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work.
I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment.
I feel that they were given my medical information in error. No collection agency should have been given my medical financial information.
This company has filed an account on my credit report, even though I disputed this account, yet it stayed on my record and they continue to harass me every day.
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| 11/28/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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CREDIT BUREAU SERVICES is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. I will attach the dispute letter mailed to the company XX/XX/23 which is dated, and time stamped. Credit Bureau Services failed to respond to debt validation letter as well as the cease and desist. Delete the account CREDIT BUREAU SERVICES XXXX from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.
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| 05/21/2018 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I am not sure who the company is or the company name but I keep getting robo calls about I am qualified to lower my interest rates on my credit cards from the following phone XXXX. It says to speak to a representative enter option # 1. I have done this multiple times and I have asked the representative to remove my number from their list. This last call the representative told me NO and hung up.
I get about 6 calls like this type every month. I called the phone number back and now I am getting a message saying that the caller is no longer receiving calls.
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| 09/01/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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WELL, I notice not right information on my credit report like dates the balance was not accurate so dispute them, but it came that it was not corrected or change. because the amount from my records and the amount the company I had credit with was always not accurate or corrected and always a month or 2 off after I made a payment. PLUS WHY it still show a bad payment history. when the company with bad payment history was remove
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| 07/07/2020 |
No |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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A few accounts on my credit report for XXXX XXXX card was not opened by me, it was a relative and I asked them to please address this for me through a dispute. They have yet to update and do the right thing. My complaint is for the response of a Company that is placing profits over what is right in a fraudulent account. Thanks!
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| 08/07/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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I am a victim of identity theft. Im XXXX all on my credit due to this. I need help and its hard because Im very sick and unable to do this alone.
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| 07/19/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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All collection accounts are more than 7 years.
They keep revolving and never go away.
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| 07/13/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 01/10/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 07/23/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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| 05/13/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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| 06/22/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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| 10/10/2019 |
No |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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| 06/24/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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| 07/23/2014 |
Yes |
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 11/07/2013 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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