Pacific Credit Exchange Corporation CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/11/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 951XX	Web
Hello, amount in dispute : XXXX $ In XXXX, I bought a car and a loan from XXXX XXXX based in California. in the spring of XXXX, the car got repossessed after a month delay to pay as I was abroad. I had moved from the place where I was staying when I bought the car. soon, in XX/XX/XXXX, the company went to court. Case notifications were sent to a wrong address ( former address ). on XX/XX/XXXX, a default judgement was entered. in XX/XX/XXXX, the police came to look for me at my new address and was told to go to court. when I went to court on XX/XX/XXXX, I was examined and was released. I insisted that I was not served. after that, XXXX XXXX went quiet for 2 years. in XXXX, XXXX XXXX again filed an order of examination, it was sent to a wrong address again, an arrest warrant was issued again. the police found me to the right address again. I went to court, I repeated my claim of not receiving any notification. I was let go home. on XX/XX/XXXX, Pacific Credit exchange was assigned of the collection of the debt. in XXXX XXXX, Pacific Credit Exchange posted on my credit report. I never received a notification or there is no indication that they even tried to reach out to me. once I realize this, I went to court to have the motion to vacate of the judgement but it was too late as the judge claimed. however, I was misled as even the two times I went to court I was only interviewed and responded that I did not receive notification. I have shown proof to courts that I had moved long before the case was filed, but they argue on the statute of limitation to appeal. since the credit reporting from Pacific credit exchange was posted I have suffered negatively. I am a small business own, I can get credit I can't get travel credit ( my sister got married and her kids could not travel due to this ) I can't get my speaking gigs as I used to be I have sent a letter to both these companies but since my motion was denied, no cooperation. all I am asking to get the record be removed since I was not notified and even if the notice was sent, it was sent to a wrong address as evidenced in the court records pacific credit exchange provided ( it had my old address ). note : I believe it is a deliberate effort because I have been arrested ( 2 warrants ) and was at the same address. even, when I came to court, I provided my correct address. I have not refused to pay except that we are still in courts. why would they post on my credit report? thank you.
08/08/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 94501	Web
XXXX XXXX freely agreed and signed a valid contract which was breached or violated : The vehicle was not promptly sold ( within 90 days of repossession ), the vehicle was XXXX on XX/XX/XXXX and sold on XXXX vehicle was not sold in a commercially reasonable manner at The XXXX XXXX XXXX XXXX XXXX XXXX referred Pacific Credit Exchange did not provide the required notices properly to my address, XXXX XXXX XXXX XXXX XXXX XXXX Thats on my ID. I tried to pay and did't get any credit for on time payments for the 2 years I paid. XXXX XXXX referred Pacific Credit Exchange XXXX unrelated fees on the account documents, Plan to sell property show Principal Balance is {$7700.00} the Calculation after selling the property unpaid balance show {$7900.00} The debt balance is incorrect and these or FDCPA violation. XXXX XXXX has committed wrongdoing and is attempting to benefit from this. XXXX XXXX and Pacific credit Exchange keep Charge off and Writing off the debt, Counting it as loss for accounting purposes on my credit report and have Re-aged the account. XXXX XXXX sent direct mail notice on XX/XX/XXXX and on XX/XX/XXXX forcing me to pay additional money other than the debt I owe is considered an FDCPA violation. On XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX that show I made these payments and didt get any credits for on time payments XXXX XXXX referred Pacific Credit Exchange XXXX provide at least XXXX days notice before they cash any check and no Disclosure Verification of XXXX check payment that was made on XX/XX/XXXX that was required. Breach of contract by XXXX XXXX, Pacific credit Exchange is not the original creditor, that the contract was not properly assigned to Pacific credit Exchange. The debt is pass the statute of limitations and the debt is considered expired, XXXX XXXX Account # XXXX and Pacific credit Exchange Account # XXXX have no rights to collect the debt and I demand XXXX XXXX and Pacific credit Exchange stop reporting the debt on my credit report. NOTICE. YOU MAY BE SUBJECT TO SUIT AND LIABILITY IF THE AMOUNT OBTAINED UPON DISPOSITION OF THE VEHICLE IS INSUFFICIENT TO PAY THE CONTRACT BALANCE AND ANY OTHER AMOUNTS DUE. ( Civil Code section 2981 ).
11/07/2017	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92407	Web
To whom it may concern, This is to detail my accounts of what happened this afternoon when I called into Pacific Credit Exchange to speak to a supervisor. My name is XXXX XXXX. I called initially XXXX/XXXX/XXXX to Pacific Credit Exchange to speak to a supervisor of an employee XXXX XXXX ; Ive called several times between the time of my missed payments and XXXX never returned my calls and each time have been spoken to in a derogatory and insulting way. I was told to hold and was patched into XXXX XXXX. When he answered the phone I gave my name and stated I needed to speak to a supervisor. XXXX processed to insult me and the amount of money I made a payment for and continued to speak unprofessional, and yell at me. When getting off the phone I called and asked to speak to the a supervisor I was informed that XXXX was the owner and he would be back at XXXX. I was told that they are a small company of no more than XXXX employees and when I asked to speak to someone above XXXX XXXX. When I called back to voice my concerns over the unprofessionalism of XXXX XXXX I was then yelled at, over talked, disrespected and never once was assured that the way I was spoken to in regard to my debt was acceptable. XXXX over talked me and aggressively stated it was my problem and he was no longer dealing with me he was sending it to a lawyer and hung up in my face. My attempt was to make payment today and in regard to that I was never given the opportunity to do so. Instead I was insulted, disrespected and told how much money I couldnt afford the first time I made my payment. My initial concerns were to discuss the manner in which I was spoken to. I was now informed that legal action is now being taken against me for the debt by XXXX after he hung up on me.
09/08/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 95835	Web
On XX/XX/XXXX, I previously disputed an account on my credit report with Pacific Credit Exchange stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. '' I am disputing the legitimacy and accuracy of the original account. I didn't receive any documentation supporting the results of the investigation. I am requesting proof of the investigation and proof that this debt collector has a legal right to collect, or delete this account from my credit profile. I am in the process of buying a home and the credit report obtained shows the date of last activity is XX/XX/XXXX, but also reflects the account was opened XX/XX/XXXX with a past due balance of {$4300.00}. This does not make since. How can an account be opened after the reported date of last activity. This account is reporting inaccurately and needs to be removed from my credit report. The account has since reporting a date of last activity of XX/XX/XXXX and I don't understand how this account can keep reporting activity when I haven't done anything. If this debt is infact valid, I would like to see the date of last activity from the original creditor.
10/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94501	Web
XXXX XXXX reference Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled. I notify the companies that there phone numbers, address is incorrect also the information that shows on the report is incorrect. I have attached a copy of my report with the accounts in question circled. Please stop collection on any amount until you prove the request of the information that shows I owe the debt send Date XX/XX/XXXX.
05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CA 91001	Web	Older American
I purchased a XXXX XXXX used XXXX XXXX from a car lot in XXXX. I paid the car off. They never sent me the documents. Since then the original lender went out of business and now they sold my contract to a 3 rd party. O have been trying for several years to get XXXX and XXXX to help me get this inaccurate info off my credit report. First of all its been past the 7 years, and they are claiming I owe them {$3.00}, XXXX dollars. The car did not even cost that much, and Im still in possession of the car. They are lying about everything, and some how they are extending keeping it on my credit report. I dont know who the creditor is, and I have never spoken to them. I did try and call the original company a few years ago, but they are no longer in business. Also they are reporting that the date The account was opened was in XXXX, XXXX. And thats not true at all. Id like to see copy of my original contract and how they came up with the amount of XXXX dollars. No one is trying to help me. Some of the information on my report is not correct, such as past address, name, birthday, and employment.
10/28/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 94501	Web
This account XXXX was charge-off paid off and closed from XXXX XXXX in XX/XX/XXXX, showing on my generated report date XX/XX/XXXX The company has harass me and oppress me causing damage to my credit continued attempts to collect debt not owed. XXXX XXXX keep reporting a paid off account on my credit report balance XXXX updated XX/XX/XXXX The payment history in the validation letter show proof I made a payment on time for {$360.00} date XX/XX/XXXX through XXXX XXXX the due date is the XXXX of every month and XXXX XXXX mailed notice attempt to collect XXXX not owed. Copy of payment notice date XX/XX/XXXX. The XXXX XXXX XXXX account number is incorrect on my XXXX Credit report also the account # showing XXXX The validation account letter # is XXXX. Pacific Credit Exchange with report number # : XXXX send copys of contract and payment history from XXXX XXXX show no proof I owe the debt there was no notice of right to dispute this debt the validation was not verify.
11/21/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94501	Web
A police report and a XXXX XXXX Theft report was send to the credit bureaus and XXXX XXXX XXXX date XX/XX/XXXX that I'm a victim of identity theft, send letter request to remove the accounts. XXXX XXXX XXXX changed the ( XXXX ) on these accounts. XXXX XXXX XXXX reporting XXXX XXXX XXXX reporting XXXX on record, and for a transaction I dont recognize account : # XXXX for {$900.00} date XX/XX/XXXX. I never made a payment on this paid off account. The company has harass me and oppress me, causing damage to my credit continued attempts to collect debt thats not owed, XXXX XXXX mailed notices and phone calls attempts to collect {$360.00}, not owed that was paid on XX/XX/XXXX showing on the payment history. And is still reporting and tampering with the account 's. These are XXXX violations. I never singed anything or had a account with XXXX XXXX XXXX. XXXX XXXX was closed and paid off.
11/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91768	Web
on XX/XX/XXXX I received a debt collection letter from PACIFIC CREDIT EXCHANG, I promptly responded with a debt validation letter requesting validation and verification, I responded with letter stating to cease all collection activities, in early XXXX I was notified that the company attempted to pull my credit file, in XX/XX/XXXX the alleged original creditor ceased all reporting and dismissed the claim on the alleged debt. the debt, today I was notified that the. company has placed the collection on my credit file.I fully intend to pursue litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 15 U.S.C. 1692k ( a ) ( 1 ) ; and Section 15 U.S.C. 1692k ( a ) ( 2 ) ; in addition to section 15 U.S.C. 1692k ( a ) ( 3 ) regarding your continued willful and negligent noncompliance.
10/24/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 94501	Web
This debt is unverifiable and incorrect and needs to be deleted immediately! A letter request was sent on XX/XX/2020 to Pacific Credit Exchange to verify the information when there's obviously no proof this account was actually verify for validation the itemswas not received. I contacted Pacific Credit Exchange and I was told from XXXX XXXX I do not have the right to request or receive this information. Not only have they ignored my prior requests for validation of debt { proof enclosed } Send copies Of previous letter or certified mail receipts with letter } but pacific credit exchange continue to report this debt. Unverifiable Items -Proof of your right to/collect this alleged debt -Date of repo and location, -A comlpete detailed history of all transactions { including payments, credits, NFnf checks, returns -contract bearing my personal signature
10/25/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 94501	Web
Pacific Credit Exchange, is reporting paid off closed account on my credit report, the payment status show past due amount {$6900.00}. Pacific Credit Exchange changed the Collection opened date XX/XX/XXXX the open date showing now XX/XX/XXXX generated report date XX/XX/XXXX showing on my XXXX credit report. Pacific Credit Exchange balance was showing {$6000.00} date XX/XX/XXXX now show {$6900.00} date XX/XX/XXXX unauthorized payment these or violations. Pacific Credit Exchange is reporting a incorrect address on my credit report, showing XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX I notify, Pacific Credit Exchange about the change and forwarded it to the post official date XX/XX/XXXX I have attached a copy of my report with the accounts in question circled.
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94806	Web
On XX/XX/2019, PACIFIC CREDIT EXCHANG added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA PACIFIC CREDIT EXCHANG has violated my rights as a consumer and i'm requesting legal action to remove this account immediately. Cease all contact and attempts to collect any debt.
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 851XX	Web
On XX/XX/XXXX i spoke with XXXX XXXX regarding an outstanding balance for a car that was reposed XX/XX/XXXX. He asked if i had been contacted by a collection company named Pacific Credit Exchange i informed him i had not. He offered a settlement in the amount of {$2800.00} that was required to be paid XX/XX/XXXX in full in exchange for the account to be deleted from my credit. As agreed i paid the the balance contacted XXXX and he had the account removed. Two weeks after the removal, Pacific Credit Exchange ( collection company ) reported the original balance of {$9900.00} as unpaid and is refusing to remove this inaccurate information
06/14/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 94533	Web
On XX/XX/2019 PACIFIC CREDIT EXCHANG added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA PACIFIC CREDIT EXCHANG has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
02/17/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90047	Web	Older American, Servicemember
Explained to collection company ( Pacific Credit Exchange ) this is not my and i wish to dispute this, they replied " NO '' and hung up the phone on me. mean while the letter my bank received was a Live to take and block my bank account. this is not me in year 1989. never had car nor did i deal with a loan company " EVER '' i need help from you, please. saying i bought a XXXX XXXXXXXX XXXX ... .l never own a car like that. they are leaving me very confused and they wont let me DISPUTE this, Ive done as much as i can to try and clear this MISTAKE with no positive result, so what do i do next?
11/27/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 95829	Web
Hi, so this is a complaint that I have with this loan. I don't feel 100 percent responsible due to the people and agreement i agreed to. I turned in a very nice great running XXXX SUV, for what i feel was a complete lemon car. I had the car for 1 week and it broke down. I told the guy at the dealership off XXXX XXXX that if the car was no good Dont sell it to me because i will not pay for it, i understand this isn't The right way to go about things but my word is all i have. I don't feel responsible for paying on a car that only worked for a week, and then got sold for nothing.
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90028	Web	Servicemember
XXXX XXXX, account # XXXX opened XX/XX/2018 and a balance of {$2500.00} on XXXX. This account is incorrectly reporting that I have 10 late payments. On my experian report there are 0 late payments being reported. I do not remember ever being late on this account. Please provide statements and records of all payments made and missed since I opened the account. This account is incorrectly being reported as a charge off account with a balance due. Please provide proof of the charge off and update the balance {$0.00} or delete negative payment status on this account.
07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90813	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 94501	Web
I am disputing the account Pacific credit exchange account # XXXX the collection agency has re-aged this account according to the original creditor XXXX XXXX Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX Pacific credit exchange is reporting XX/XX/XXXX On record until XXXX on my credit report. Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.
10/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95660	Web
On XX/XX/XXXX PACIFIC CREDIT EXCHANGE added an updated inquiry date as if they had accessed my credit report with permission. I havent contacted Pacific Credit Exchange for the month and year of XX/XX/XXXX. Pacific Credit Exchange had an inquiry on my credit report from XX/XX/XXXX which was scheduled to be on my account until XXXX of XXXX. I havent authorized anyone else to use my information to contact Pacific Credit Exchange or have I myself contacted them the month and year of XX/XX/XXXX.
10/13/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 94124	Web
XXXX XXXXXXXX AND PACFIC CREDIT EXCHANGE THEY BOTH REPORTING ON MY CREDIT SAME AMOUNT JUST DIFFERNT NAMES. PACFIC CREDIT EXCHANGE NEVER SENT ANY NOTICES SAYIND THEY TAKING OVER THIS DEBIT. BOTH REPORTING AND TRYING TO COLLECT THE SAME AMOUNT XXXX. THIS IS A DUPLICATE ACCT WITH DIFFERNT NAMES I WOULD LIKE FOR BOTH COLLECTION BE REMOVED ITS BEEN PAST THE TIME FRAME TO COLLECT. THEY SELL MY INFORMATION SO IT CAN START OVER.. THEY DID AGREE TO REMOVE IT BECAUSE I WASNT GIVEN PROPER NOTICE
09/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web
Collection Agency PACIFIC CREDIT EXCHANGE XX/XX/2021 Account Number # # # # # # # # # # # # # XXXX {$4600.00} that I owe I have never signed any written document saying that i owe this debt to this collector. they are violation my right of the FCRA as a consumer. I do not know who they are and not written consent from my end. also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
10/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93033	Web
On XX/XX/2021 I spoke to a representative from pacific credit exchange in regards of the account still appearing under collections. I informed her that the amount of {$2700.00} was paid in full and I needed this to be removed from my credit report because it wasnt allowing me to refinance the loan to my home. The employee stated that it appeared as closed on her end and that there was nothing she could do to help me remove this account from my credit report.
09/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web
Date Assigned XX/XX/2021 PACIFIC CREDIT EXCHANGE Original Amount Owed {$4600.00} Amount {$4600.00} that i owe i have never signed any written document that I owe this debt to the collector. they are violating my rights of the FCRA as a consumer. I do not know who they are and have written consent from my end. also, they have not verified that i owe this debt to this alleged company. Please have this removed from all three credit bureaus. XXXX XXXX
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95823	Web
In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
09/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92114	Web
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws.
10/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 94124	Web
XXXX XXXX XXXX reported to the creditors XX/XX/2016 for a auto loan for XXXX on my credit report PACIFIC CREDIT EXCHANGE bought my collections from XXXX XXXX and its reporting on my credit report twice same amount different names I do not have a contract with pacific credit exchange. they did not provide me with the original contract as I requested 6 months ago
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95209	Web
I have sent Identity theft paperwork to remove accounts resulting in identity theft. The accounts remain on my report and pursuant to 15 usc 1681 c-2 the accounts were suppose to be blocked from my credit report. As a consumer I feel defeated and taking advantage of. Please assist with removing these accounts asap. XXXX XXXX XXXX XXXX PACIFIC CREDIT EXCHANGE
12/17/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 95824	Web
This Debt Was originally with XXXX XXXX XXXX who originally discharged the debt. Than without notice I discovered while checking my credit that XXXX XXXX XXXX bought the debt. I was unaware that I can dispute the debt and never received notice that I can dispute the debt along with I did not receive any verifying information of the debt.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93637	Web
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27253	Web	Servicemember
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
06/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95838	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
04/19/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92101	Web	Servicemember
This creditor has harassed me, provided false information and they repossessed my car the day I went in to make a payment and would not allow me to make the payment and get my car back.
07/06/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	CA 95407	Web
They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.
07/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95209	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
07/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94585	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
06/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95833	Web
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
12/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 939XX	Web
PAC CR EXHANG ACCOUNT XXXX BALANCE XXXX THIS ACCOUNT SHOULD NOT BE ON CREDIT REPORT I DONT OWE THEM ANYTHING.
05/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95206	Web
I have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.
02/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91730	Web
I never open any account with this company they do have my name correct but its not me.
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95351	Web
I have sent letters to XXXX and XXXX and investigation took well over 45 days.
02/01/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92407	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91423	Web	Servicemember

11/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32809	Web

10/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76001	Web

08/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91730	Web

04/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95340	Web

01/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 92407	Web

12/20/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 92411	Web

12/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 95219	Web

11/04/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 90303	Web

09/18/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 94501	Web

07/18/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 94501	Web

06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94501	Web

06/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 94501	Web

05/28/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94501	Web

05/22/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94501	Web

05/14/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 94501	Web

05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 94501	Web

05/04/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 94501	Web

04/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91801	Web

03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 91977	Web

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89108	Web

11/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94501	Referral

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39439	Web

09/21/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 94501	Web

09/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93720	Web

08/08/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OR 97051	Web

06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90027	Web

04/30/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89102	Phone

03/12/2021	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	CA 94124	Web

02/24/2021	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	CA 94124	Web

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95204	Web

02/05/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 95757	Web

12/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90094	Web

12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95351	Web

11/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90094	Web	Servicemember

10/09/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 95340	Postal mail

08/10/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NV 89005	Web	Servicemember

06/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 91311	Web

10/04/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NV 89032	Web

07/10/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 92683	Web

07/09/2019	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92029	Web

01/03/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93908	Web

07/06/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 94561	Web

01/18/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	WA 98404	Web

08/13/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AZ 85008	Web	Servicemember

05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75249	Postal mail

06/16/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90010	Web

10/05/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 94536	Web

05/15/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	CA 95409	Web