| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I took out a small installment loan to help build up my credit on XX/XX/XXXX with the company Possible Finance for a principal amount of {$180.00}. The amount I owed was {$210.00} after interest and fees. I had fallen behind on the loan due to financial hardship and Covid ultimately prolonging the hardship causing me to default.
I was trying to take care of my outstanding loan balance in XX/XX/XXXX which I had tried to pay in full several other times but was unable to due to their app not working and not being able to speak with a customer service rep given their phone number they provide is automated and hangs up on you. They only communicate through email which are untimely, uninformative, and do not address any real concerns or issues of the customer in my experience. They also make you provide your SSN and DOB in the email before they will respond to you which is NOT SECURE so the fact that they do not provide a way to communicate with customer service over the phone is very sketchy.
I went to pay my balance in full on XX/XX/XXXX and it showed me owing {$210.00}. and when I confirmed submission of my payment the {$210.00} was also displayed. After I went back to the home page, it said my payment was processing for {$280.00} which I did not authorize. I emailed the cust. serv. rep explaining the situation and asked him to cancel my payments until the amount was verified. They would not cancel my payments nor could tell me why {$69.00} extra dollars was added which is FRAUD. They were extremely rude and THREATENED to keep harming my credit. I had to reach out to my bank and have them stop the transactions. To be clear, I made possible finance aware of this BEFOREHAND, stating I wanted verification of the {$69.00} charge.
Possible Finance then went and reported a negative remark to my credit report and said I was late by {$280.00} when for two consecutive years {$210.00} has been reported every month. They also dont report until the last day of the month. This was reported on XX/XX/XXXX.
My contract specifically states in my loan agreement that the interest and monthly maintenance fee are already included in my finance charge which comes out to {$210.00} when added to the {$180.00} principal loan amount. My contract also states PROMISE TO PAY. You promise to pay us the sum of {$210.00}, which includes the loan Principal Amount shown above, plus the Finance Charge stated above, in installments. I had asked them to send me a breakdown of the accounting to verify and refused. They were reporting scheduled payments of {$110.00} every month to my XXXX credit report which wasnt accurate. I had not had a scheduled payment since XX/XX/XXXX for {$54.00}. Also the status showed with an attorney when it was never with an attorney and I never received one communication from them besides an automated email that my loan was in default and payments were frozen until I updated my payment information in which I couldnt update any information due to their app not allowing me to. My account also never showed any indication that it was closed even though they reported it as closed and changed the closed dates several times in which I have documented screenshots of. I can log in right now and it doesnt even show my account closed after the fact. When I tried to log into the app in XX/XX/XXXX it kept giving me an error message and to contact customer service at the phone number that is AUTOMATED and hangs up on you. It took almost two months from XXXX of XXXX to the end of XX/XX/XXXX to finally make my payment in full. I had to wait while they were looking into and trying to fix the issue for me to pay my balance in full. Meanwhile, Possible Finance continued to report NEGATIVE AND INACCURATE information during those two months when THEY WERE FULLY AWARE I could not pay until they fixed the issue further violating my rights and the directly in violation with the FCRA. The timeline of events is all provided in the email chain attached.
I have tried to have my credit updated for over a year by this company as they are stilll reporting inaccurate and unverifiable information. I sincerely believe that this company has KNOWINGLY continued to furnish inaccurate information to my credit causing extensive damage. I also believe this inaccurate information has been erroneously verified by the major credit bureaus despite my multiple attempts at correction with documentation provided that completely dispute the accuracy of the account in question.
I have sent email after email with documentation attached showing the inconsistencies, I have asked numerous times in writing for them to provide me with verification of the accuracy on what they are reporting in which I have never received a single thing nor have they bothered to try and clarify things. I have asked for transparency on how this account is being investigated when my documentation shows the accounts are NOT ACCURATE. My concerns have continued to be ignored and I continue to be gaslit by both Possible Finance and the Credit Bureaus. The timeline of events is all provided in the email chain attached.
I have meticulously documented my credit files including dates, status changes, amounts, etc which have seemed to randomly change from month or month with no explanation. My account was never in a charge-off status until AFTER I reached out to make my payment in full on XX/XX/XXXX. My account was reporting as Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department up until XX/XX/XXXX. Possible Finance directly stated in an email to me that says word for word " We do not send customers to collections and we do not work with any 3rd party collection agencies. You are correct, your loan is not handled by an attorney/collections agency. '' How can you report that on my credit file for almost two years and get away with it? I filed a complaint with the Ohio AG on XX/XX/XXXX Complaint # XXXX in which I also provided documentation of what my credit reports showed. In turn, this company lied in their response to a government agency, when the documentation provided directly conflicts with their statements of what they have been reporting on my credit file.
My credit file shows that Possible Finance furnishes updated information to the bureaus at the END OF EACH MONTH. In all the automated emails I have from them they also state We report to 2 of the 3 major credit bureaus, XXXX and XXXX, on the last day of each month. The month of XXXX in particular, Possible went in and updated my report TWICE. Once at the beginning of the month on XX/XX/XXXX where they erroneously updated my balance to {$280.00} and reported as a NEGATIVE remark to my credit in which I got notifications on all platforms ( I was never notified prior to this of negative remarks from any of the credit monitoring apps I use ) .. Coincidently, that was two days after I reached out on XX/XX/XXXX about paying my balance in full where they refused to cancel my payments until the extra {$69.00} was verified. It was IN FACT A SYSTEM ERROR AND I NEVER OWED {$280.00}. They then again reported at the end of the month on XX/XX/XXXX which was when they regularly reported to the bureaus every month. This provides very convincing suspicion that this was an INTENTIONAL act to harm my credit even further. The fact that they state " the report will take time to reflect as we update at the end of the month '' provides more proof that Possible Finance intentionally accessed my report off their normal schedule of reporting to report negative information which they refused to verify, also threatening to continue harming my credit, further violating my consumer rights.
I have the email chain of reps, yes more than one, threatened to continue to harm my credit when I physically could not pay off my account due to the app not allowing me and the total illiteracy of this company to verify and provide me proper documentation upon request. I tried to pay it in XX/XX/XXXX and again, the app would not let me log in, and there is no one you can call to speak with. Emails go unanswered for days to weeks at a time and are more one-sided than anything.
They have continuously violated the FCRA and my consumer rights by reporting erroneous information to the bureaus. I have asked for documentation over and over which is very well documented, for them to verify the accuracy of their reporting and still will not provide me anything. My XXXX and XXXX accounts are reporting completely different. My XXXX is reporting the account number XXXX which I have no association to and my XXXX is reporting the account number as XXXX which I also have no association to. The closed dates have changed multiple times, the dates of alleged collections have changed, the status has changed multiple times, etc. I have detailed records and screenshots of every instance that are timestamped.
I also just came across an ACH authorization document on my account which appears to be FRAUDULENTLY SIGNED. It says the document was electronically signed by XXXX XXXX on XX/XX/XXXX and right underneath it, it shows the date CREATED WAS XX/XX/XXXX. THAT IS FRAUD AND I DID NOT SIGN THIS DOCUMENT OR AUTHROIZRE IT. If you refer to the email chain on XX/XX/XXXX, the same day this document in question was fraudulently signed via electronic sig, I said I was sending in a money order. There was no mention of me paying via ACH. My loan agreement also has an address on it that I did not live at upon acquiring this loan, and the loan agreement is signed as XXXX XXXX which I have asked previously for verification on and has been ignored. I also have email proof of that. To be clear, I never sign anything as XXXX XXXX I always sign XXXX XXXX XXXX reading some of the other complaints it raises the suspicion that documents are being altered or created fraudulently.
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have not been abale to link my account to this company for the past two months and they reported the late payemnts on my credit.I sent many emails and basicly they are ignoring me.Please see below the emails that I sent them.
Updated subject : I can not link my account I can not link my account for XXXX months and I sent you so many emails.You reported the late payments on my account since I can not link my account.Please help XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX, On XX/XX/XXXX you wrote me that you will escalating this issue to manager and get back to me in 2-3 days.Today is XX/XX/XXXX and I have not heard from you yet.As I mentioned in the past 2 months I am not able to connect my account in order to pay my balance and I sent you several emails in this regards.You reported late payment on my credit and it is not fault.Please take this matter very serious.This company is giving me too much trouble and I am not happy at all.Please advise XXXX XXXX XX/XX/2023, XXXX PDT Yes, please take this very seriously.You mark the late payment on my credit although it is not my fault.This is want I was trying to say.I can not connect my bank to this possible and this has been going on for more than one month.Please take this matter very seriously.Thank you Eloera XXXX ( Possible Finance ) XX/XX/2023, XXXXXXXX XXXX Hi XXXX, I'm very sorry for the frustration this caused.
I want to assure you that we take your inquiry very seriously. Based on the information you provided, I will be escalating your request to a XXXX to research your request/issue.
You should expect a follow up within XXXX business days.
Best, XXXX from Possible Have questions? Click here to check out our Help Center XXXX | XXXX | XXXX | XXXX XXXX XXXX XX/XX/2023, XXXXXXXX XXXX I can not connect my bank.I do not know how to explain this to you.I can not connect my bank and you reported the late payment.How I can pay when I can not connect my bank?
This is your company 's fault not my fault.Please let the authority know and let me know what I can do.
XXXX XXXX ( Possible Finance ) XX/XX/2023XXXX XXXX XXXX Sorry for the difficulties you're experiencing, XXXX.
I totally understand your concern, I am a customer myself and I don't want to experience and feel the same way too.
Possible is bound by federal regulation to report accurate information. When payments have exceeded that grace period, it is considered late by the credit bureaus we report to.
In the meantime, we recommend that you take care of your payments as soon as you can to prevent further damage to your credit score. While previously incurred negative marks can not be reversed, a paid-off or closed loan will still reflect better on your credit report than overdue payments that remain unpaid over extended periods of time.
Also, I've checked your previous email with us and it looks like we're trying to help you connect your bank in the app so we sent you a link to connect your bank, however, if you have any issues completing the request, we suggest keeping in touch with us so we can help troubleshoot this issue further.
While you have me, let 's try resetting your account with our bank partner. I have gone ahead and adjusted some settings on my end to see if that will help fix this issue. I've sent you a request in the app which will let you link your XXXX XXXX account.
Please force-close the app, restart it, and then try linking your account again.
Additionally, please try uninstalling and reinstalling the app to ensure that you're using the most recent version and to prevent app errors from previous versions from occurring. Alternatively, you can also try using our web version of the app.
If the problem continues, please provide a screenshot of the error you are encountering so I can better diagnose the issue.
Hope to hear from you soon!
Best, XXXX from Possible Have questions? Click here to check out our Help Center XXXX | XXXX | XXXX | XXXX | XXXX XXXX XXXX XX/XX/2023, XXXX XXXX I still can not connect my account.Please advise?
On Wed, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : My account is still not connect it.It is not my fault.Please remove the late payment and let me know how I can pay this.Your customer service is a disaster.I am going to report you if you can not fix this issue.I have been dealing with this problem for a month and you did not do nothing.
On Wed, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : It is has been 30 days that I am trying to pay my payment, so it is not my fault if you were not able to take the money out of my account.I emailed you several time and you could not resolve the XXXX would like to fix the late payment on my credit first.I have all the documents that I emailed you several time and you did not address this issue.Please advise?
XXXX XXXX XX/XX/2023, XXXXXXXX XXXX My account is still not connect it.It is not my fault.Please remove the late payment and let me know how I can pay this.Your customer service is a disaster.I am going to report you if you can not fix this issue.I have been dealing with this problem for a month and you did not do nothing.
On Wed, XX/XX/2023 at XXXX XXXX XXXX XXXX wrote : It is has been 30 days that I am trying to pay my payment, so it is not my fault if you were not able to take the money out of my account.I emailed you several time and you could not resolve the issue.I would like to fix the late payment on my credit first.I have all the documents that I emailed you several time and you did not address this issue.Please advise?
XXXX XXXX XX/XX/2023, XXXX PDT It is has been 30 days that I am trying to pay my payment, so it is not my fault if you were not able to take the money out of my account.I emailed you several time and you could not resolve the XXXX would like to fix the late payment on my credit first.I have all the documents that I emailed you several time and you did not address this issue.Please advise?
XXXX XXXX ( Possible Finance ) XX/XX/2023, XXXXXXXX XXXX Hi XXXX, We're glad you reached out! I want to apologize for any inconvenience this may have caused you.
I understand that you are concerned about your account as well as your credit report. Let me explain further.
Once a payment has exceeded our 29-day grace period, we aren't able to go back and report it on time to the credit bureaus. We're bound by federal regulation to report accurate information.
Upon review of your account, I can see here that your XXXX bank is connected here in our system. However, it appears that our payment processor has reported that your payments were returned because there's an issue with the card we have on file.
To proceed with processing your payment, we will need to take you off debit card payments and set you up to pay via ACH, directly through a checking account or savings account.
Could you please tell me the last 4 digits of the account number you would like to use for payments?
Once I have this information I will select it as the preferred method or send you a request in the app to link your bank.
In your reply, could you also provide me with a payment date that will work best so I can help reschedule your payment? Alternatively, once we successfully update your preferred bank for payments, you may also initiate the payment by using the Pay My Balance Now button in the app.
Looking forward to your response!
Best, XXXX from Possible Have questions? Visit our Help Center : XXXX : XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XX/XX/2023, XXXX XXXX I can not link my account This email is a service from Possible Finance. Delivered by XXXX
|
| 12/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear Sir or Madam, XXXX. POSSIBLEFINA Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with POSSIBLEFINA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor XXXX not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Dear Sir or Madam, 1. POSSIBLEFINA Account Number:XXXX XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with POSSIBLEFINA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/19/2021 |
Yes |
- Student loan
- Private student loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear Sir or Madam, 1. POSSIBLEFINA Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with POSSIBLEFINA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
|
| 10/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Dear Sir or Madam, 1. POSSIBLEFINA Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX.
I immediately disputed this information with POSSIBLEFINA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 10/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Dear Sir or Madam, 1. POSSIBLEFINA Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and XX/XX/XXXX as well as 60 days late in XX/XX/XXXX.
I immediately disputed this information with POSSIBLEFINA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/22/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
Dear Sir or Madam, XXXX. XXXX Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with POSSIBLEFINA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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 XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX IXXXX XXXXXXXX, Iowa XXXX
|
| 10/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Dear Sir or Madam, 1. POSSIBLEFINA Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX.
I immediately disputed this information with POSSIBLEFINA and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 11/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX. POSSIBLE FINANCIAL Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account.
I immediately disputed this information with POSSIBLE FINANCIAL and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/1987 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
|
| 12/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. POSSIBLEFINA bal. {$120.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. POSSIBLEFINA bal. {$110.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
|
| 12/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. POSSIBLEFINA bal. {$64.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX11 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. XXXX & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 08/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by : 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.
According to the Fair Credit Reporting Act 15 USC 1681 section 602a - 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. '' 15 USC 1681 section 604a 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.
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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
Not only that 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 again 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 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.
Privacy Act of 1974
|
| 05/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear Sir or Madam : I am a victim of identity theft. I learned my personal information was used to open an account at your company in XX/XX/2021. I have on numerous time disputed this infornation with the credit bureaus and time and time again you verify that this account is mine. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that POSSIBLE FINANCIAL INC absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and you are showing on my credit report this fraudulent item related to your company that are the result of identity theft. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Thank you for your cooperation. Enclosures : Identity Theft Report CFPBs Notice to Furnishers of Information
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Called XXXX, XXXX XXXX XXXX and spoke to their representatives and quoted them the federal laws in which i am stating and why information should be on my profile.
15 U.S. Code 1681a ( d ) ( 2 ) - Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. 15 U.S. Code 1602 ( l ) -The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card is a credit card and there for was used for an approval of an extension of credit for the fraudulent accounts " Possible Finance and Dept Of Ed/XXXX ''.
XXXX XXXX XXXX, Possible Financial & Dept Of EdXXXX All are reporting late payments on my credit report and pursuant to law 15 U.S. Code 1666b ( a ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Ive been lied to me and told me that they investigated this matter but pursuant to 15 usc 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They didn't speak to my neighbors, friends, or associates to ask about my character, general reputation, personal characteristics, or mode of living is obtained through personal interviews.
Pursuant To 15 U.S. Code 1681n ( a ) ( 1 ) -Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
I am demanding {$7000.00} FROM Dept Of EdXXXX For the last 7 years of damages cause by derogatory marks, {$2000.00} for damages For the last 2 years of damages cause by derogatory marks and {$1000.00} From XXXX XXXX XXXX for Damages for the past year. I am also demanding the removals of the accounts : Possible Financial & Dept Of EdXXXX and the late payments removed for the account : XXXX XXXX XXXX from my profile as my credit was extended to these companies and i am the original creditor.
|
| 07/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. POSSIBLE FINANCIAL Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Re : Notice of Claim Pursuant to 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974 Dear XXXX XXXX I am writing to bring to your attention a matter concerning the unauthorized disclosure and handling of personal information, which I believe contravenes the stipulations set forth in the laws governing consumer privacy, specifically 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974.
including details of unauthorized disclosure or mishandling of personal information.
As per 15 USC 6801 and 15 USC 6802, entities are obligated to protect the confidentiality of consumer information and are prohibited from disclosing it to unauthorized third parties without consent. Moreover, the regulations outlined in 16 CFR 313 require compliance with certain standards for safeguarding consumer information. The Privacy Act of 1974 similarly mandates the protection of individuals privacy rights concerning their personal data held by federal agencies.
the violation has impacted ME WITH financial losses, emotional distress, HUMILIATION, DEFAMATION, SEVER INTENTIONAL EMOTIONAL STRESS AND SEVERE HARDSHIP ] In light of the aforementioned VIOLATION OF SHARING MY PERSONAL NON PUBLIC INFORMATION I WAN NA OPT OUT IF I EVER GAVE U WRITTEN NIN WRITTEN OR VERBALLY CONSENT I REVOKE THAT AND YOU ARE NO LONGER ALLOWED EFFECTIVE IMMEDIATELY AND i I demand immediate action to rectify the situation, including but not limited to : 1. A complete investigation into the unauthorized disclosure or mishandling of my personal information.
2. Notification to all relevant parties of the breach and the steps being taken to address it.
3. Assurance of enhanced measures to prevent future sharing of non public transactions and to comply fully with the aforementioned laws and regulations.
4. Compensation for any damages incurred as a result of this privacy violation.
Please respond within [ specify a reasonable timeframe, e.g., 30 days ] to address these concerns. Failure to do so may compel me to pursue legal action to protect my rights under the stated laws.
I expect your prompt attention to this matter. Thank you for your immediate action in resolving this issue as you have violated Right that I have that I took from me knowingly and willingly 18 usc 1001 UNITED STATES VS. LICHENSTEIN, 610 F 2D 1272.1276-77 ( 5th cir ) and United States v LANGE 528 F 2D 1280. 1287-89 5TH CIRCUIT 1976
|
| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This creditor provides loans via a downloadable app found in the XXXX and XXXX XXXX XXXX - The Company 's name is Possible Finance. There is a technical issue with the creditor 's application.
After receiving a {$200.00} loan and agreeing to scheduled repayments, two payments were processed however I incidentally switched primary banks and even after updating the banking information in the application, lasting technical issues in the app caused the payment details to not be updated, which in the end caused this mix-up. ( See attached screenshot 1 - Possible App - Scheduled Payment ). The screenshot shows the two successful payments followed by the two unsuccessful payments that resulted in the outstanding balance of {$120.00}.
The issue is, even after many attempts to provide new banking information within the application, their system does not process the request and for some reason does not update with the information that I provided. What specifically happens is, the app allows you to go from screenshot 2, to screenshot 3, and finally after entering the information requested in screenshot 4, their system reverts back to screenshot 3, and nothing happens to update the banking information.
Additionally, this creditor does not provide live-contact information to reach someone directly from their company. Communication access is granted via a contact submission form, and I have completed multiple inquiries and requested to have this information updated as soon as possible to resolve this matter. I am currently still waiting for a response from their company to get this information updated. I have attempted multiple times to pay the amount owed, however, due to the technical difficulties of the app and their application this has been impossible.
Also please be advised that the following customer support phone number for this creditor, which can be found through a simple XXXX search - XXXX - provides a single message without prompts that include support options and advises that no support is available through the telephone number and that communication is done solely through the company 's app. After the message plays, the line disconnects.
I have exhausted every option to reach this creditor. I am filing this complaint with you, the Consumer Protection Financial Bureau hoping to garner your support in resolving this matter.
|
| 01/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I took out a small personal loan with Possible Finance over the summer. I have their app as this is the only way to use their services. When using the app, you are given the option to create a payment arrangement if you need to change the repayment dates of your balance due. Due to being financially affected by COVID 19 - I live in California and it has been bad here - I went on their app and made a payment arrangement that was approved by them. My loan was current at the time I modified my payment plan.
Upon checking my credit report, I found that Possible finance reported late payments on my credit due to a few of my payment dates landing after the 30 day timeframe of an otherwise " on time '' payment.
I reached out and spoke with a representative named XXXX who advised that being that I did not specifically sign up for their forbearance plan, which I had no knowledge of as this was not advertised at all anywhere on the app pages. I found out that you have to search the FAQ section in order to locate this info, that they can report late payments to my credit report even if I was current when I created the alternate repayment schedule through their app, because it was passed the 30 days.
Per the Cares Act, if ANY accommodation is made in relation to repayment of the loan, ( for example, partial payments, forbearance, modifying, or any other relief ) Under the cares act, when a creditor agrees to a new payment plan with a consumer who was current at the time of the new arrangement, the creditor must continue to report the account as current. My account has since been paid off, and I find it absolutely disgusting that during this time, a loan company would be so determined to add to the ruin of people by not following the law. They claim that I was not current due to the payments being scheduled after the 30 day threshold, which is not accurate.
My payment history with this lender needs to be updated to all current payments, and paid in full. The negative payment history needs to be removed immediately per the CARES act, that they keep ignoring. I have provided them with the information from the act, but I was told I was wrong.
Report my account as current, and remove the late payments from my payment history!
|
| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have XXXX accounts on my credit report that are fraudulent and those accounts are possible financial and XXXX XXXX Back in XXXX and XXXX I got my social security card stolen along with my ID and all my cards. I have been trying to dispute these accounts for months now. I reached out to possible financial explaining the situation and that I never had an account with them and in an email the representative XXXX on XX/XX/XXXX stated that my email address does not match to any account on their records and I informed them that I know but an account is being reported on my credit report and its damaging my credit worthiness and stopping me from buying a house. I also contact XXXX XXXX on XX/XX/XXXX and I spoke with a XXXX and a XXXX and both of them said the only account they found under my name is a corporate account from my current job and position as a branch XXXX at XXXX XXXX XXXX XXXX and nothing else and when I explain that a credit card that is reporting on my credit report as charged off and is not mine when they looked it up they said it was attached to a XXXX and I dont know who that is. Ive been trying to dispute this with XXXX and XXXX and they keep updating the information allowing the fraud to stay on my credit report. I have provided numerous of police reports and supporting evidence that these account are not mines but they keep allowing them to stay. I filed a report with the Federal Trade Commission and attached it to the dispute, I even filled out possible financials affidavit and attached to the dispute for documentation and yet they still keep updating the information. My credit means a lot to me and having these fraudulent accounts on my credit report bringing my XXXX XXXX down and tarnishing my name and creditworthiness and stopping me from being able to build my future and life is devastating. I have disputed these accounts so many times on numerous occasions providing strong documentation showing these accounts dont belong to me and yet they still are allowing them to stay on my credit report and XXXX still being punished with these fraud accounts that do not belong to me and I need them gone off my credit report immediately.
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
To whom this may concern : Please validate the alleged debt referenced by the following account number : XXXX.Your company stated that a total balance was due in the amount of {$200.00}.
If Possible Financial still claims this debt is valid, correct, and accurate, please provide the following specific verification of records : 1. A copy of original contract with a signed application dated with my signature.
2. Proof that your company offered me some form of consideration ( i.e. loan, service, or good ) and proof that I accepted your companys offer.
3. The specific identities of the real parties of interest 4. A sworn affidavit of verification from a company employee or a custodian of records affirming that they have personal knowledge of this alleged account and that amount of $ amount is owed to Company Name.
5. A full ledger of accounting documentation.
6. Specific services and codes ( please include service codes ).
7. Please provide your Your State business license and articles of incorporation to do business in my state.
I hereby give Possible Financial 15 business days to produce verification described herein this notice. If your company fails to produce the aforementioned documentation within the measure of this time outline above, then it will be assumed that the alleged debt is invalid and I am accountable for no more than XXXX dollars in regards to this alleged debt. Also please note, I will not accept anything less than a sworn affidavit under penalty of perjury by a custodian of record, employer by the allege creditor, affirming that the said alleged debt exceeds more than XXXX dollars. Please refrain from contacting me by phone or mail concerning this alleged debt until the aforementioned validation is satisfied. Failure to do so may result in me initiating a legal action and/or a filing an administrative complaint with the appropriated agencies including the Federal Trade Commission and the Consumer Protection Financial Bureau for further investigation. Thank you very much in advance for your prompt response.
Respectfully, XXXX XXXX
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, equalifax, XXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX, XXXX, XXXX nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services
|
| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have various concerns with multiple insertions on my credit bureaus from a few publishers, I am leaving in this complaint. For the record from XX/XX/XXXX til XX/XX/XXXX. I have been out of the country and was advised that my identity was fraudulently used. I was in XXXX XXXX - XXXX XXXX XXXX and I noticed from a prior issue I challenged. There are ( 2 ) insertions that were fraudulently obtained without my knowledge and consent regarding ( 2 ) accounts listed on my XXXX and XXXX bureaus. The first complaint I wan na make a complaint on is ( Possible Financial ) - Account # XXXX. This account is 100 % fraudulent and should be removed. I am requesting that ( Possible Financial ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX. The second complain involves ( Possible Financial ) - XXXX. This account is 100 % fraudulent and should be removed. I am requesting that ( Possible Financial ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX. The Third complaint involves ( XXXX XXXX XXXX XXXX, this company is reporting negative information regarding a closed account with the dates totally wrong. I recall this account being opened and closed on different dates than they have been reporting. am requesting that ( XXXXXXXX XXXX XXXX ) provide visual proof involving my hand signed signature to validate this account that was created without my awareness or consent. If a handwritten signature can not be provided bearing my signature, I am requesting this insertion be removed from both XXXX and XXXX.
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This complaint is by me XXXX XXXX for the record being that Ive disputed this account with XXXX and it came back as them thinking its from a third party which its not. I will attach documents showing to prove it is myself along with a picture of me. Again i am disputed this account fir the inaccuracies and violations which I would like for it to be removed. Below will be my reasonings As Ive previously stated before this was thought to be a third part Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on experian shows XX/XX/XXXX while XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with experian and XXXX by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight
|
| 09/20/2020 |
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
|
|
Web |
|
|
On XX/XX/XXXX I made contact with Possible Finance to ensure my final money order was received for payment. I was advised by XXXX that it was received. A few days later I get a notification that Possible Finance reported me to the bureaus as 60 days late. Mind you, I sent both payments on one money order for the total amount owed back in XXXX. Here we are late XXXX and nothing has been updated. Theyre illegally reporting me late, causing my credit score to drop in lieu of 100+ points for something that is not true. Ive reached out over 4 times, requested a supervisor no response. Reached out to a contact I was given from the CEO and then I finally got a supervisor. I advised her given the lack of urgency I would need this to be resolved by Friday XX/XX/XXXX. She never reached out to follow up or respond to my email on XX/XX/XXXX. XXXX the supervisor I got in touch with reached out XX/XX/XXXX and I allowed her 48 additional hours to research and resolve a very simple complaint, that has been nothing short of complex on my end. Possible Finance is illegally reporting consumers as delinquent and advising we need to wait for them to check the mail, update the records, and submit to the bureaus. This is a clear violation of the Fair Credit Reporting Act as nothing theyre sending is actually accurate, neither is it fair treatment to consumers. Ive waited way too long, and at this point Im not going to wait any longer. Their business practices are extremely unethical. Their response times are entirely too delayed. They do not have a phone number for consumers to make contact with. Therefore we are stuck being bounced back and forth between their super delayed email responses.
|
| 11/29/2023 |
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
|
|
Web |
|
|
This complaint is my final communication regarding your claim that the information below has been verified and that the information being reported is accurate. XXXX XXXX XXXX has avoided liability of furnishing incorrect information to the credit reporting agencies far too long and if this information is not removed, I will be filing a statement of claim against your company. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence for account POSSIBLE FINANCE. Last month I submitted a cfpb complaint, and you gave a generated response and provided no validation or explanation to the reporting of incorrect payment history, date last active, and loan balance. XXXX has since removed this inaccurate account but your company is still furnishing information to XXXX and XXXX. You are also reporting 2 different account numbers for the same account. I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached 3-bureau credit report which shows the inaccurate information.
|
| 08/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
This company needs to be shut down! I am trying to update my payment account so that I can make a payment BEFORE the due date, yet I am unable to do so. The company only has customer service available, if you want to call it that, via email and it takes days to receive a response. If they even respond. There is no way to call them, no email, no live chat or any other form of assistance. I received one response on Wednesday, XX/XX/XXXX after emailing on Tuesday, XX/XX/XXXX. The email sent me instructions on how to update my payment account, and I was also texted two links that lead me to the app to add a new bank account. Well, just as I expected the app did not load and would not allow me to update my bank account information to make any payment. It just kept loading and loading. I am now unable to access ANYTHING on the app, just the bank account update screen that doesn't let me log into my bank account- it just loads. This is very frustrating. Prior to me not being able to make a payment, the company falsely marked my account as " charged off. '' After sending multiple emails, I was told that " in my profile everything is normal. '' I am now trying to mail a money order, but I have to email them for an address per their FAQs, which means I can potentially miss the payment deadline.
I searched online for answers and ran across customer complaints and reviews from people who have had/are having the same issues. This company should not be in business if it is in the business to hurt its customers and not help them. They have unfair business practices that should be investigated.
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
These Accounts : ( XXXX. ) XXXX XXXX # XXXX. POSSIBLE FINANCIAL INC # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Privacy Act of 1974 ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual.
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains.
Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of 1974.
Furthermore I was not given notice to make the decision of opting out of the disclosure.
Every company owes you a privacy notice before they furnish any information to the consumer report.
XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 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. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.
|
| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Cease and Desist Communication Regarding Collections/Charge off Account Possible Financial Loan # XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it.
According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.
Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.
2. Stop reporting this debt by all credit reporting agency and request for deletions From original creditors.
3. Do not sell or transfer this debt to any other third party.
4. Provide written confirmation, within 30 days of receiving this letter, that you have ceased all collection activities related to this debt.
Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request.
I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion.
Your immediate attention to this matter is expected and appreciated.
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I entered a consumer credit transaction with Possible Financial Inc. however they have violated my rights as I have not given authorization for the account information to be furnished on my consumer reports ... ..15 USC 1681d1 defines a " Consumer Report '' as : The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, 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 the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title ... ... I would like you to pay attention to the Exclusion outlined in 15 USC 1681d ( 2 ) ( B ) : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ... .The credit card that I used to initiate these consumer credit transactions is my social security card. I have not given Possible Financial Inc the authorization to furnish this data on my consumer report. As the issuer of my credit card ( social security card ), I am demanding that the following accounts be deleted from my consumer report immediately.
|
| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In the beginning of XXXX I lost my job due to the COVID situation. I emailed Possible Finance explaining my dilemma. XXXX a representative from Possible Finance informed me that if I was impacted by COVID-19, we can extend your payment dates up to 60 days from your originally scheduled payment date. These payments will be reported as on time to the credit bureaus and will not accrue any a late fees.
Things to consider : If your payments are already past our standard 29-day grace period, we will give you an additional 60 days to avoid any further damage to your credit report. However, please be aware that your current past-due status will still apply.
You can always reach back out to us after the 60-day window if you still find yourself impacted by COVID-19.
I made my first payment on XX/XX/XXXX, then on XX/XX/XXXX I reached out to Possible Finance regarding my first payment and why my payment wasn't being accepted. My checking account and debit account was entered correctly, so there shouldn't have been any reason why my payment wasn't processed. And I never received a follow up regarding this matter.
Every weeks Possible Finance would automatically draft out my payment but for some reason their system would always reject my payment. Then I got laid off from my job in XXXX. I asked them if there's any help that I can get, and thats when they told me since I was in a 29 day grace period they will give me an additional 60 days.
|
| 06/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I signed up at Possible Financial Inc for a loan amount of {$250.00} and agreed to finance charge of {$44.00} on XX/XX/XXXX. In the agreement, total amount Id have to pay back will be {$290.00} which says due on XX/XX/XXXX.
On the website, I was able to change the payment date and divided into 4 payment installments on XXXX {$73.00}, XXXX, XXXX {$73.00}, and XXXX {$73.00}.
But then on XX/XX/XXXX, Possible Financial withdraw the money from my bank In four transactions {$73.00}, {$73.00}, {$73.00}, {$73.00} ( all at the same time on XX/XX/XXXX ) I dont understand why this happens, I was charged a finance charge outside of the agreement. They responded via email stated that theres nothing they can do if money already withdrawn from my bank. I then sent them the withdrawal proof from my bank and the copy of what the agreement was and I only get a respond back from XXXX to send a feedback about possible finance on XXXX business page.
At that point I was already going into panic, Im not sure what Im dealing with if this is a scam. Because on their website where I can login to access my account I see even with the four amounts I explained above ( {$73.00}, {$73.00}, XXXX ) it even says XX/XX/XXXX processing until this very minute ( yet all those amounts already withdrawn from my XXXX bank account early XX/XX/XXXX ) and also at the bottom of this statement page it also says Total Remaining Balance {$290.00}
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I am writing concerning inaccurate negative reporting on my credit reports from Possible Finance. As of, XX/XX/XXXX, my XXXX and XXXX reports reflected that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the Possible APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with Possible Finance. I have email confirmations of my payment schedule and payoff dates from Possible Finance to confirm. I have attempted to dispute this inaccurate infomation with XXXX and XXXX, and I have contacted Possible Finance via email to resolve this issue. Possible Finance refuses to remove the inaccurate reporting from my credit reports. As of XX/XX/XXXX, XXXX has updated my credit report to reflect the correct infomation, ( account paid satisfactory ), as a result of my dispute. I was never late on this loan, and my XXXX report now reflects this. XXXX needs to hold Possible accountable for not honoring their agreement to reschedule my payments just as XXXX held them accountable.
|
| 06/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
The issue that I'm having with these collector is long and it has been going on for a way longer than this should had, first I tried calling the collector trough phone number ( XXXX ) but then an automatic call recording told me that they're not taking calls at the moment and told me to reach them trough email so they can reach me back, at first I just keep calling at different hours and different dates to see if I could have more success of reaching them but they where still always not available so I decided to contact them by mail and unfortunately up to this date I still haven't had the success of reaching a representative to just pay the balance that the account is listing on my credit report so It stops affecting my credit score.
This is just frustrating because it has been taking me more than a month ( not including past one time call attempts ) to just try to contact the collection agency and pay my account so it stops affecting my credit, Keeping on mind there is nowhere I can go to pay, no phone number to call for a representative and pay, only send email and wait for a response that its actually taking more than what they promised. They just reply to me with what appears to be automatic emails and they don't help me pay the account. They also promised to call me back and they've been having me waiting for a call from them, which is what also frustrates me a lot too.
|
| 01/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ive looked over my personal credit report and possible finance is reporting inconsistent and inaccurate reportings which is in violation for reporting wrong information on my credit report which is greatly affecting my score. Attached to this claim will be the proof showing that the inconsistent reporting to the 3 credit bureaus with the high balance being different on all 3 bureaus, inconsistent last payment, account status, and date reported. The date of last activity for example on XXXX shows XX/XX/XXXX while XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. This is ILLEGAL and a violation with the FCRA by all the account has been re aged which is a Violation of {$1000.00} per violation which possible is in 4 violations by all information being submitted to the credit bureaus must be 100 % accurate. If all 3 credit bureaus are getting their information from the same creditor how is it that theyre all reporting different information? This account also is in violation with the FCRA by reporting late payment when the collection account is closed. It can not be late unlike open ended accounts. As listed with XXXX and XXXX by reporting the Account 120 days late but at the same time as charge off which is another {$1000.00} fine. I plan on collecting my funds due to multiple violations if not settle d. The attachment will show the violations circle in highlight
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
12 CFR 1026.13 - Billing error resolution.
1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount Possible financial failed to report to ALL consumer reporting agencies of my dispute which means they were still trying to collect on the account in dispute.
15 U.S. Code 1611- Criminal liability for willful and knowing violation 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} For the damages of my mental distress I am seeking remedy of {$6000.00} total If they decide to go to court they will be responsible for my court fees, attorney fees and damages.
Send check to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Wa XXXX Within 15 days of this notice.
I expect {$6000.00} for every violation of possible financial mailed to me within 15 days if this notice to the address above.
Keep in mind no one told them to violate the law it was their choice.
|
| 05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This is a formal complaint against XXXX XXXX XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. 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.
|
| 09/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I took out a payday loan with Possible Finance in XXXX XXXX. Shortly after opening the account, I switched bank accounts.
We experienced a loss in the family and I had forgotten to update all of my accounts with the new bank information. I had attempted at several different times to get the payment method updated on the app and it would not allow me to. There is no way to contact Possible without submitting a ticket online.
Again, not thinking this was a big deal, I did not submit a ticket and figured I would try again in the future.
Today, XX/XX/2022, I noticed my credit report stating I was 30 days past due on the account and it has negatively affected my credit. Immediately, I logged into the app again and tried to change the bank account information. This time it allowed me to change the bank but would not allow me to change the payment method.
With there being no way to directly speak with someone and escalate concerns, I am not sure how Possible is compliant with Fair Debt Reporting.
They want their money so badly, but force customers to jump through hoops to make the payment and punish them when they switch bank accounts and forget to update the information.
The money is and has been sitting in my account with XXXX XXXX ready to pay Possible and now I am negatively impacted by Possibles subpar user interface!
|
| 08/22/2023 |
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
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act POSSIBLE FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX POSSIBLE FINANCIALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 then records of convictions of crimes which antedates the report by more then seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) 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.
|
| 09/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I was approved for a Possible installment loan on XX/XX/2023, with payments of {$23.00} due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My initial payment of {$23.00} was successful, but as my second payment approached, I began to experience financial difficulties. Given my current situation, I asked for a deadline extension to give me more time. Knowing that payments are reported to credit bureaus after 30 days, I diligently attempted to contact customer service to confirm whether payment reporting would be based on the initial or extended new date ( Ex. When a payment is delayed with XXXX 30 day reporting is based on the new delayed payment date and not the original payment date ). Unfortunately, I was not successful. With no provided information, I attempted to execute a single payment for the current due installment ( again trying to save my credit ) but was unable to do so and was forced to pay the whole amount due. When I attempted to acquire assistance with my payment issue again, I was met with generic robotic messages and no direct number to call for immediate assistance. This is an unfair practice that does not provide consumers witha fair chance to save their credit reporting and prevent adverse actions. Even after agreeing to pay the sum in full, I have yet to receive assistance as of today.
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
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.
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.
Section 609 of the FCRA and requests that the credit bureau verify an item in your credit report. In this letter, you ask a credit bureau to verify information, and if that information can not be verified, it must be removed.
THE FOLLOWING ACCOUNTS NEED TK BE REMOVED ALSO XXXX HAS NOT UPDATED MY CREDIT SCORE AND REPORT NOR COLLECTIONS XXXX AND XXXX HAS UPDATED MY CREDIT SUCCESSFULLY BUT NOT XXXX.
XXXX XXXX XXXX XXXXXXXX XXXX : XXXX CONTACT INFO : XXXX ACCOUNT STATUS : CLOSED POSSIBLE FINANCIAL INC XXXX XXXX : XXXX Contact info : XXXX Account status : CLOSED XXXX XXXXXXXX BALENCE : XXXX Contact info : XXXX Account status : CLOSED XXXX HAS ALL OF THESE ACCOUNTS INCORRECTLY LISTED ON MY REPORT AND ALSO HASNT UPDATED MY XXXX AND XXXX SCORES ALSO XXXX IS OUTDATED AND DOSENT HAVE THE PROPER INFORMATION
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I have taken out several loans with this creditor, Possible Finance, and they have helped me out in many ways. However, this account in particular raises more questions than answers : for one, there isn't any data reporting in the payment history section ; there are only five payments reporting in the amount of {$81.00}. The money payment on this account isn't {$81.00} ; it's actually {$37.00}. Another error on this account is that it shows a payment was made in XX/XX/2021, but there is no amount reported on the payment history. If a payment was made on XX/XX/2021, that would mean that the XXXX balance will be lowed ; however, it's the exact same balance as XXXX, which was {$150.00}. Since I am unable to speak with the representative on the phone, I have emails of a representative and myself having a conversation, per this account. That's not been paid off. I asked the representative to provide me with a statement of all transactions made towards this loan. She stated that there isn't a document that she could provide. But she did provide some information, and if XXXX was in a document, it was typed information, and that information will be attached to this complaint. The representative also stated that multiple payments failed, and I asked for a copy of that, which she has not provided me with.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I got the possible loan in XXXX, My 4th payment was suppose to be for my first, Im not sure why it got flipped, I mean it clearly should have paid the first payment first. Then there wouldnt be a late payment at all based on the terms and conditions and I was unable to individually make the payment as they were past due but before the 29 days grace period via terms and conditions so when the transactions went through they were random but I dont believe this is lawfully acceptable based on the cfpb to report a negative impact due to faulty system random selective payment processing. The first payment would fail even when I had sufficient funds in my account and then it went through and paid the last one. Please explain how Im at fault for your systems randomized ach transactions. With further assistance I have submitted a complaint to the cfpb based on your finding and I uphold my right to any unlawful actions taking on my credit report. All my payments were in good standing via possibles terms and conditions somehow my payments got switched my first and last and now my first payments reports on my credit report as late even when I had sufficient funds in my account. UNFAIR. Even when trying to reschedule it would reschedule not within the loan agreement and I was unable to do anything.
|
| 01/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/XXXX, I was asked to complete an application to see if I qualified for a " loan '' and according to 8 CFR 1.2 application is a benefit request. That request is my RIGHT granted to access MY credit. Regulation Z makes it very clear that banks can't make loans and therefore, since Possible Finance took my Social Security Number my credit was extended to them. However, according to 15 USC 1602 ( f ) credit is the RIGHT granted and the Social Security Administration makes it very clear that the SSN is NOT used as identification. On XX/XX/XXXX, Possible Finance denied that right via email in writing for that right, after having access to my credit card, my social security number according to 15 USC 1602 ( l ), and mentions factors that would be considered adverse action! According to 15 USC 1691 ( d ) ( 6 ) : For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Possible Finance has my original application ( note ) that was complete and also my financial asset ( social security number ) but I was denied extension of credit, and they will receive a benefit but I was explicit denied one.
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX there was a false identity theft report made by someone other than myself. On XX/XX/XXXX, I had an address added to my account which was fraudulent. On XX/XX/XXXX there was a federal XXXX student loan opened in my name as well. I filed police reports, FTC, and Identity Theft with the FBI.
This company was notified once before these accounts were not mine, and never have been and they were informed of the identity theft matter beforehand. It once again was reported to the credit bureaus that I had yet another account from this defendant. I contacted them numerous attempts were made and only got automated replies and responses.
On XX/XX/XXXX after multiple messages, and attempts to contact such said business, I have sent a refusal to pay letter certified, and according to FCRA regulations, this defendant has violated said letter by not removing said alleged debt from any and all reporting reports. A certified letter document was received on XX/XX/XXXX in their office.
Refusal to pay guidelines to mandate immediate removal of and all reporting such actions from plaintiffs credit profile. Following received the letter, the defendant made violation of sending an electronic document to email.
This complaint has two ( 2 ) violations on hand.
|
| 06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I spoke to manager XXXX in the customer success department. She assured me on XX/XX/2020 that both XXXX and XX/XX/2020 ( Which I have in writing from XXXX XXXX late fees will be removed from my credit report effective XX/XX/2020. I noticed within a few days from XX/XX/2020 the late fees were removed and they then returned again. I sent out another email asking for a phone call from XXXX which I still have NOT received a phone call from anyone from this company yet explaining the issue and when I can expect the LATE FEE to be removed from both XXXX and XXXX.
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS As a consumer I expect Possible financial to stand by their word and remove the late fees for XXXX and XX/XX/2020 as agreed by XXXX on XX/XX/2020. The company expects on time payments and I expect and trust that XXXX or the management staff at Possible Financial to be held accountable for the word. I need these Late Fees removed immediately from my report, I will not give it another month ... They need to have it done rapidly with in days of receipt of this letter THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS Please REMOVE the LATE FEE as agreed between XXXX and I on XX/XX/2020. Immediately
|
| 02/28/2023 |
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
|
|
Web |
|
|
Ive previously filed a dispute for an investigation to correct errors and or delete for continuous violations and have not received a response from Possible Finance Inc threw XXXX XXXX XXXX. They continue to report inaccurate and inconsistent reporting on my credit report in which it has negatively affected me and cause damaged. Ive filed a complaint threw the XXXX XXXX XXXX and even so filed a complaint with the State General Attorney. They have yet to even reply to the XXXX XXXX XXXX request. According to 15 USC 1681i XXXX, XXXX, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Theyve failed to do so multiple times! They say it comes back verified but yet still reports inaccurate information and fails to mark the account as disputed which means it was never disputed! If not handled and deleted for violations I have no choice but to collect for damages which I am entitled to. Evidence provided below.
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and POSSIBLE FINANCIAL, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process.
As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same.
I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
obvious violations have been done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income.
18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance?
A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of XXXX in violations.
I willing to see past the violations and demanding that you remove it immediately Those are your only options before you force your sue.
|
| 04/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2021, challenged on the validity of a LATE PAYMENT on my credit report per XXXX for Account # XXXX POSSIBLE FINANCE INC. My account was Paid in Full on XX/XX/2021 for amount of XXXX rather than utilizing Installment option XXXX option. Upon, challenging this account, I contact XXXX ( Possible Finance Inc. Manager ) and requested a deletion of inaccurate 30 day late payment for XXXX and XXXX based on the lack of ability to properly verify all reported information to be accurate. I noticed as, A result of challenging this account with XXXX And POSSIBLE FINANCE INC with written request. XXXX then indeed state that POSSIBLE FINANCE INC. shouldnt have verified any late reported payment on XX/XX/2021. XXXX said she would follow-up to correct their error, however no contact was initiated. It is my understanding that all creditor are to report the all ACCURATE INFORMATION to all credit bureaus as expected under FCRA Laws, I believe this is a direct violation of my consumer rights and My account to be properly updated ; requesting ALL LATE PAYMENTs to be DELETED from ALL 3 credit reporting agencies immediately for inaccurately and failure to validate the debt in violation of FCRA.
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am making a CFPB complaint against Possible Finance INC and all 3 credit reporting bureaus. On XX/XX/XXXX, Possible Finance INC reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of Possible Finance Inc, XXXX XXXX.
I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805.
I am also making a complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXXXXXX to the CEO of the company regarding the issue.
|
| 08/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I applied for a small installment payday loan on the Possible finance app on my phone Friday afternoon of XX/XX/22 and was approved for {$75.00} dollars. The app said the money would be deposited directly into my checking account XX/XX/22 before XXXX. The day came and went and no deposit arrived. I contacted Possible finance through the help center on their app stating I had received no deposits and sent screenshots of my bank statement and the actual message from Possible Finance about the deposit date information. I was advised via email to wait another day I was already extremely suspect but what option did I have? I wait another day, still no deposit, I reached out through the help center of the app for about the fourth time and was told to wait another day I sent more screenshots and asked the loan to be canceled as I did not wan to to pay this shady company for money I didnt receive. I got no response after that. My first installment is due XX/XX/22 but I never received these funds. I believe this Possible Finance is acting unethically and preying on desperate people for small loans with large interest rates that never get deposited.
|
| 03/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Possible has provided no physical way to pay my loan off. They are utilizing an old debit card they are refusing to let me change, and have no way of changing in the app or on the website. They do not have any way to verbally contact them. The number they provide in your credit report, that they continue to report to even though you cant contact them to pay it off, goes to a recorded line that tells you they do not actually have anyone to talk to, you have to go online and email them. If they expect anyone to provide any personal info especially a debit card over email is violating our rights. Not allowing us to pay our loan back is violating our rights. They also only use a third party platform called XXXX to use bank accounts to pay. This XXXX platform does not support my bank that is a state bank in which I do all my other banking through and receive direct deposit. Theyre getting reported to the XXXX They have the chance to fix this and receive my money to pay off my loan, or they can decide to continue to violate consumer rights, get reported, and excuse my loan. All major credit bureaus will be aware of the fraudulent activity.
|
| 07/31/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2023, after noticing several inaccuracies on my credit report, I contacted Possible Finance , Inc. ( the data furnisher ) in writing via USPS certified mail stating that my credit report contained numerous inaccuracies and requested all supporting documentation for the accounts listed on my credit report in accordance with the Fair Credit Reporting Act ( See Exhibit A : Original Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ).
On XX/XX/2023, after over 90 days of no response as required by law, I sent a second request for debt validation and dispute letter exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 609 that states consumers are entitled to all information related to tradelines listed on their credit reports and the source documentation of all information including original credit applications and contracts. ( See Exhibit B : Second Dispute Letter to Possible Finance , Inc. on XX/XX/2023 ).
As of today, Monday XX/XX/2023, Possible Finance , Inc. has failed to comply with my requests as required by law in accordance with the Fair Credit Reporting Act.
|
| 02/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Possible Finance only allows you to make payments with linkable bank accounts through a company called XXXX. My bank is XXXXXXXX XXXX through XXXX XXXX and, for reasons I dont know, isnt linkable, so Im unable to make payments. Thinking there must be another way to pay, I reviewed Possibles payment procedures and it confirmed that this is in fact the only way to payand their noted solution is to try again from a linkable bank account at a later date. This is caused me to be unable to make payments and two 30-day lates on my previously perfect pay-history credit report. Ive opened a dispute with the three credit bureaus but nothing has changed to-date. If Possible Finance is going to report adverse pay history to credit bureaus, they need to give consumers the ability to pay with any bank account they choose, accept debit cards without having to link a bank to the card or allow in-person payments at XXXX. I would like help from the CFPB in removing the adverse credit reporting and requiring that the lender accept enough money to pay off the loan ( {$200.00} ) from a non-linkable bank account.
|
| 09/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I emailed this company 50 or more different times. I wanted to pay this loan off in total before the due dates I went on the app and it would not let me payoff or make a payment of any sort. I tried 5 different banks 30 different times and the app had a error code I emailed asking whats going on they instructed me to click a link I did another error code I asked for a phone number 40 times they said they dont have one I became frustrated because this is as a month and half long email process back and forth, the end of XX/XX/2022 they finally emailed me saying I could pay by money order I ask where and who I make payable to the first of XX/XX/2022 they send me how. I sent full payment. They marked my payments late on my report and I told them from beginning I dispute the fact that its late due to out of my control and there app wouldnt not allow me. They said theyll fix it and note the account they did not and marked me down as late 2 payments. I have all communications between them and screen shots of app error code trying to pay loan off on time before time is due.
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I am writing concerning inaccurate negative reporting on my credit reports from Possible Finance. As of today, XX/XX/XXXX, my XXXX and XXXX reports are reflecting that I had a 30 day late payment in XX/XX/XXXX. This is inaccurate reporting, as I was not 30 days late according to my payment schedule. In XX/XX/XXXX, I successfully rescheduled my repayment dates in the Possible APP to the following : XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} XXXX. XX/XX/XXXX {$170.00} I paid off this loan on XX/XX/XXXX, by paying my remaining balance for XX/XX/XXXX and XX/XX/XXXX, for a total payment of {$350.00}. I was never 30 days late on this loan or any other loan I have had with Possible Finance. I have email confirmations of my payment schedule and payoff dates from Possible Finance to confirm.
I have attempted to dispute this inaccurate infomation with XXXX and XXXX, and I have contacted Possible Finance via email to resolve this issue. Possible Finance refuses to remove the inaccurate reporting from my credit reports.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
|
| 04/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a small loan and the process said the the interest would be reduced for early payment. I paid it of early after the first of four payments. At that time there was only a few dollar reduction which seemed odd because there was about {$80.00} in interest.
I asked them and they sent me this schedule of interest : Here 's the breakdown of the interest and fees charged for this loan.
1st Payment Finance charge : {$1.00} Interest : {$70.00} Principal amount : {$42.00} Total : {$110.00} 2nd Payment Finance charge : {$1.00} Interest : {$1.00} Principal amount : {$110.00} Total : {$110.00} 3rd Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$110.00} Total : {$110.00} 4th Payment Finance charge : {$1.00} Interest : {$0.00} Principal amount : {$100.00} Total : {$100.00} This looks like a finance fee and not actually interest. Is it legal for them to structure interest payments like this and then claim there is a savings in paying off early ( technically true but misleading at best ).
|
| 05/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX.. According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!
|
| 01/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Possible finance does not have a phone number to contact. When you call the number listed it says this number is not working. I have tried contacting them via email as it says contact us on the site. They dont respond. In fact Ive emailed them XXXX times now. Last message the lady stated she could update my bank account because their system will not allow me. She updated the account and still didnt let me submit a payment. They havent responded again even though Ive shown the error and asked them to submit full pay off through the new account listed. Everytime I submit a new contact request the same lady grabs it and closes it. Now they fraudulently repost two late payments on my credit yet their system wont allow me to submit a payment and they dont respond! Instead they advised me they can report it late and block me from making a payment further damaging my credit this is abuse. They dont allow payment submission purposely and their agent wont respond and wont allow me to speak to anyone.
|
| 04/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
After telling Possible finance that I was XXXX XXXX XXXX XXXX, they reported negative information on my credit report without giving me written notice. It is illegal for a financial institution to furnish negative information to a consumer report without written notice.
Duties of Financial Institutions When Reporting Negative Information. Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ).
I tried to resolve the issue with them directly but they refused to comply with the law. This is a willful violation of the law and according to 15USC 1681n I am entitled to {$1000.00} for this.
Within 14 days, ( 1 ) delete this negative remark from my credit reports, ( 2 ) mail me a check in the amount of {$1000.00} for this willful violation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company refuses to remove or update their credit reporting entry on my XXXX credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and that it was a charged off account and in collections when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with XXXX and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on XXXX.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 accurate.
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
After discovering this debt with XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
|
| 11/01/2023 |
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
|
|
Web |
|
|
I AM A VICTIM OF IDENTITY THEFT ALL INQUIRIES MADE WERE UNAUTHORIZED AND NEEDS DELETION 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.
2. Provide me with written confirmation of the results of your investigation.
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX.
5. Provide me with an updated copy of my credit report once the corrections have been made.
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.
This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
|
| 04/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I took out an {$88.00} from possible finance and set up automatic installment payments to boost my credit. The payments were {$22.00}. They processed all but one payment automatically. I attempted to make a payment manually but I continued to receive a pop that stated to try again. This went on for a while. They then negatively reported the payment late to the credit bureaus and my credit score decreased by 56 points.
I contacted them letting them know I attempted to make the payment but it was their system that failed.
So here I am once again attempting to make a payment for the last {$22.00} and their system WONT take it. The message I get basically states to try again and apologizing for the inconvenience.
This is a problem on their end. They have no phone, only an email. I emailed them about but receive no response. Yet they send me automatic emails stating my account is default. The reason why Im default is because THEIR system is faulty.
|
| 10/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I got a loan from a sort of new lender. Unfortunately each and every time my payments have submitted, the way they connect to the account the payments have been declining. Apparently they use XXXX to connect to bank accounts. They had absolutely no problem depositing the money when I took the loan, but there's been money there for days and they refuse to take the payment it's some processing issue. Every time I update my debit card it just declines. So I gave up on using my XXXX bank account XXXX and tried to use my XXXX XXXX XXXX account - it keeps having me enter the routing and account number over and over and sending me in a loop. I'm getting closer and closer to the 30-day Mark and I don't appreciate them threatening to report me late when I've been attempting to pay since it was due. I want them to fix my payments so they go through by ACH with my XXXX account and remove my XXXX Account. This is ridiculous. I'll never take a loan again.
|
| 08/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I got this loan in XXXX this thinking it was a XXXX XXXX but it wasnt. I got this loan for {$90.00} and they broke it down in 4 payments to pay it back. So I made 1 payment in XXXX and 1 payment in beginning of XXXX, so I had one payment due at the end of XXXX which I had a problem with my bank at that time in the possible financial app there you can extend your payment to a later date which I did. By the middle of XXXX I contacted them by email to let them know what was my balance so I can send them a money order of my balance. So I sent them a money order of total balance due on XX/XX/XXXX. The following week I emailed them they told me they received my payment and that it was paid complete. They told me my account status was paid complete on time. Now on my credit report it shows 60 days late with a balance I try to contact them but no response. I have attached all emails that I had contact with then.
Please fix this Thank you.
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX Possible Financial These companies have been disputed by all three major credit bureaus for reporting fraud on my credit profiles. I have both written and electronically asked for debt validation sources numerous times, including contracts with my photo ID and my signature as well as GPS location, and these companies have failed to provide requested documentation to me within 30 days of disputes. These accounts were fraudulently obtained without my consent or knowledge by my XXXX ex-husband in an attempt to ruin my chances of success after having XXXX XXXX XXXX these items have negatively affected myself and my children from obtaining housing and transportation and I demand these items be deleted from all consumer agencies as well as all three major credit bureaus immediately and all further negative reporting has to cease. these companies have repeatedly violated my consumer rights and have broken many consumer laws.
|
| 02/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am sending this complaint. In reference to a payday loan that was initiated under my name due to identity theft. Apparently someone that has my personal information access this cash thru an app that you download on a mobile device. I have been told by XXXX credit report agency that the original loan amount was {$90.00} and that there is {$79.00} still being reported as owed. I have gave information of my identity theft circumstances to all 3 credit reporting agencies in 2017. This company did NOT protect my identity. This account was open fraudulently. I have attempted to contact them directly to file my dispute, and the contact information provided to me was a telephone number that is disconnected.
Please contact them at : Possible Financial XXXX XXXX XXXX XXXX, WA XXXX the phone # is XXXX please verify that this number is disconnected and there is NO WAY for me to file a dispute with them directly.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Annually I have to dispute the negative reporting by two companies on my credit report. Possible Financial and XXXX, most recently I disputed the negative reporting today and hours later it went from closed back to open. The credit reporting agency verified in XXXX that both of these were fraudulent and they were removed from my credit only to return again. I have filed police reports, provided the information to these companies in XXXX and XXXX and submitted many disputes with these accounts to the experian they got removed and then months later return. I have been turned down for XXXX pre-approval home loans and currently denied A loan by my bank because of these accounts. My personal information has been comprised and I have had to work hard to close fraudulent bank accounts, store purchase cards and these are the last XXXX. This is affecting my family and creating a financial burden for me.
|
| 07/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I took out a {$250.00} loan from possible finance XX/XX/2020. In XXXX I requested an extension to my lastpayment only if it would not affect my credit. They assured me that due to Covid the company would allow an extension which I agreed to and paid off. A month later I was reported derogatory on my credit report. I filed a dispute with XXXX and contacted the company. Possible Finance confirmed it was their error and would correct my report within 30 days. It was finally corrected, but a month later the late payment was re-reported and my score dropped again XXXX points. I filed another dispute, contacted XXXX, the BBB, and contacted the company. Again they acknowledged their error, promised a correction and sent a letter that confirms the account was never late/paid in full. My report was corrected. A month later, another alert the company has reported the same 30 day late AGAIN.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am filing a complaint against Possible Finance for their failure to respond to my dispute letter, sent on XX/XX/2023, regarding discrepancies in my credit report. The certified letter ( USPS Tracking # XXXX ) was received on XX/XX/2023, but no acknowledgment or response has been provided.
This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i, which mandates investigation and correction of inaccuracies on credit reports. The failure to validate or rectify these discrepancies not only undermines the integrity of my credit report but also contradicts Nevada 's adaptation of the Uniform Commercial Code ( UCC ), specifically XXXX XXXX.
I request the CFPB 's intervention to ensure compliance with federal and state consumer protection laws and to address this failure in upholding my right to an accurate and fair credit report.
|
| 08/22/2023 |
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
|
|
Web |
|
|
I have tried multiple times ( using a credit repair service ) to write them to remove the late payments or closed accounts, and every time the credit repair company sends them a letter I get it back in the mail stating its " undeliverable due to incorrect address '' I have paid for these credit repairs services over the last 2-3 years and they write to this company and CHARGE me for each letter. The address listed on my credit account is WRONG and there's no way to contact them by phone number, the XXXX number listed in their " Customer service '' is false as well. The line rings and then connects and just stays quiet. Good luck sending them an email, they'll get back to you until you mention you want to delete the late payments and then they don't respond. I'm in the process of trying to purchase a home and the COUPLE of late payments are hurting my score, and also my husbands.
|
| 12/09/2020 |
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
|
|
Web |
|
|
Ive previously disputed this account information on my credit report to have Possible Finance send a validation of the debt of which they show is owed is theyve failed to send. All they sent was a letter of alleged charges of which they stated was owed which is not proper documentation of debt validation. Attached to this complaint will be the validation letter of which I send and am asking for documentation which will show theyve failed to send. Theyre also reporting XXXX different account numbers to all 3 credit bureaus which is a violation for which the account numbers has to be the same across the board for the credit bureaus as well as reporting different addresses for the account making it seem as if its 3 different accounts. Documentation will be attached as well. To add theyre reporting different payment history on all XXXX which is unprofessional and inaccurate
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
|
| 10/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the POSSIBLEFINA still remains on my credit report in violation of Federal Law. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXXXXXX I sent numerous emails and certified mail to Possible Financial regarding inaccurate credit reporting on account that I always paid on time and the account is now closed. I also sent certified mail to all three credits bureaus requesting a reinvestigation and provide me with debt validation showing where I was late on the account but the credit bureaus always close reinvestigation as verified but doesnt supply any proof of account being late. Possible Financial Inc reported account 60 days late back in XXXX of XXXX which is false and inaccurate reporting as Ive never paid late on account. As stated above Ive emailed Possible Financial Inc XXXX XXXX XXXX no response, Ive email possible financial support requesting proof of late payment no response and Ive sent certified mail to possible financial and its constantly being returned to me
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Possible Financial is reporting an account as a charged off account but that is inaccurate. I recently checked my credit file and noticed this was reporting erroneously. I was completely unaware about any lates on this account because I had always made a payment on time. Somehow, my payments clearly never registered on their system and it charged off without me knowing. I was never notified about this, and I continue to make payments on time and I've never been made aware about this. This debt is being paid in a timely manner and this should have never charged off. I am aware you are able to change the status on the account because you are the original furnisher and can report to the bureaus as you deem. However, it should report accurately. This is not a charge off, this installment loan is being paid off on time and that should reflect on my credit.
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
For now over and 1 1/5 years I have been disputing with XXXX this account from POSSIBLE FINANCE listed on my credit report. Every single time XXXX is stating that you every month is telling them this account belong to me. I have never opened this account with you. I have never received a bill or anything to my address and because I have had enough with XXXX not removing this fraudulent account, I have sent them an Intent To Sue letter. I received a call from them and they insisted that I filed an Identity Theft report with the FTC and send it to you that is a fraudulent account and that you re the ones that are able to have this removed from my XXXX credit report. I am beyond frustrated and if this is not handle soon, the only recourse if to file a lawsuit in small claims court against you. Please see my attached ID Theft Report and review.
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have filed dispute after dispute with this company with no fair time to respond and a lack of regard that I did not, nor would not open an account with this business as I know if it's practices of installment loans and the monetary contracts they force a consumer to pay without any return if the consumer decides that they do not want to continue paying on this installment loan should it become financially unable to do so, they ultimately keep the funds you have already have in savings with them, then attempt to continue receiving un-returned payments and report the consumer to the credit bureau.
This account is not mine! I never opened it! It is a fraudulent account and unauthorized. I have complained to many consumer entities, such as XXXX,, the 3 major credit reporting agencies to no avail, and now CFPB
|
| 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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
This account was paid and closed and should have been removed from all XXXX of my credit reports but it is still reporting to XXXX and XXXX. I spoke with someone at the time of closing, and it was agreed that the account would be removed after the account was paid. Please submit an AUD form to XXXX informing them to remove this account just as XXXX and XXXX has. I informed them that they are reporting false information and that I can sue them under the FCRA and they have informed me to contact the creditor. There are also XXXX different account numbers reporting for this account which is also a violation due to inaccuracy. XXXX is reporting account number XXXX while XXXX reports XXXX. Please remove this account from my credit report as the debt has been paid and this is causing me extreme hardship.
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently received a copy of my XXXX credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : Possible Financial Inc, Acct XXXX XXXX XXXXXXXX Your company is in violation of the FCRA and XXXX XXXX and reporting violation.
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Furthermore, 15 USC 1666b ( a ) : ( 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.
|
| 02/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I believe the information on my credit report is in accurate among all three bureaus and has so many inconsistencies. I sent a letter to all three credit bureaus asking to validate the debt on my report and they responded with the account being validated and verified.
15 U.S.C. 1681S-2 ( A ) ( 1 ) 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.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Account number : XXXX Possible Financial XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
|
| 01/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company reported my late for XX/XX/2019, XX/XX/2019, and XX/XX/2019 when I would not had been late had their customer support responded to my emails sooner. The only way to contact this company is via email. It took them over 24 hours to respond when I needed my bank account corrected since their online system wasnt allowing me to change it. When I finally got a response it was too late and they reported me late for XX/XX/2019. Same thing happened on XXXX and XX/XX/2019. They had the wrong bank linked to my account so I tried to change it again but their system wouldnt allow it. After another 24 hours and back and forth emails they finally manually processed my payment but again it was late because of the lack of customer service and the poor their application having so many glitches.
|
| 09/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have been using Possible on and off for almost two years now and I have been able to access and pay back borrowed funds with no issue. However, for the last few months I have been unable to make a final payment for a loan I took out several months ago. Each time I have reached out to ask them if I can just make a direct payment, they re-route me to their mobile app and ask me to re-connect my bank account. I have tried for the last 2-3 days to link my new bank account and to no avail. They are not willing to allow me to make that payment another way that will not result in technical difficulties. Also, they have reported to the credit reporting agencies that my payment is late and it has caused a major dent on my credit which is hindering me from moving into a new apartment.
|
| 10/27/2023 |
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
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have a right to privacy and i never have Possible finance permission to furnish a report on me.
15 U.S. Code 1681 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Possible finance never notified me that i was late on a payment which violated 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, 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.
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
The XXXX XXXX bank claim account opened on XX/XX/2021, and the credit run-up is XXXX. I explained to the provided proof when first contacted in reference. That I had been in Michigan since XX/XX/2021, helping my parents. My dad was placed in hospice around that time. While gone, the neighbor 's daughter allegedly was the one who broke into my home, took a nice one, stole XXXX that I no longer used, and did quite a few things without my permission. I even provided the XXXX lady 's name. The police couldn't do anything because there wasn't any hard proof, just hearsay. The company was supposed to send me a packet and didn't. I mean, what more can I do? I'm also trying to clean some other things up from that mess. But I refuse to pay for something not even close to mine.
|
| 11/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have a payment due on XX/XX/17 I thought I would have enough funds to cover this friday XX/XX/XXXX payment I reached out yesterday through email about changing the payment date I received a response from an agent named XXXX XXXX told me that she is forwarding my inquiry to a team member that will determine the best resolution. And said that I should expect a follow up soon. That was yesterday. I received no response I sent another email this afternoon. Explaining that I need to move my payment to a later date. I still didnt receive a response. And I got a notification saying that my payment was initiated and it can not be changed. Your company has failed to respond to my emails. I have never had any issues with possible and Im very disappointed and Im very upset
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX Reporting this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 o 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
XXXX XXXX Charge accounts should not have any payment history due to them being late by default.
XXXX XXXXXXXX This is another charged off account that should not have any payment history because charge accounts are late by default.
XXXX Can I get verification of these late payments.
.. I want this late payments updated to pays as agrees.
I
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I've been trying to resolve my debt with possible finance and when I tried to, they emailed me back & told me that the account was sold to a collection agency & that I'd have to reach out to the collection agency to settle the debt. I then responded informing them that the information that they are reporting on my credit isn't correct. They are reporting a balance on my credit when in fact according to the fair credit reporting since they have sold the debt it shouldn't be reporting on my credit with a balanced owed to them. They never responded to the matter & my credit still states this false information. I've attached the one communication l got from them stating that I didn't owe them anything & to reach out to collecting agency it was sold to.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I took out a loan with possible finance paid it off on time however XXXX and possible finance they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me XXXX XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against possible finance for failing to protect my consumer rights Also XXXX have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also inquiries that I did not authorize XXXX have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well
|
| 08/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am hoping that you can help me with my an issues I am having with a creditor. Possible Financial Inc account # XXXXThey are reporting that I still owe them {$76.00} which I do not. This has been paid since for almost a year now. I have been fighting with the credit bureaus to remove this balance. I have try calling Possible Financial at XXXX that is the number listed on the credit report. Well come to my surprise they do not take phone calls. How is someone to get ahold of a real person to discuss their account if they do not take phone calls? All I is the balance to be at XXXX. I have been trying to get this settled since XXXX of this year with no luck. Please help so I can purchase a home for my family and I.
|
| 10/13/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX, Possible Finance, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!
|
| 12/13/2023 |
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
|
|
Web |
|
|
Dear CFPB, I am writing with a deep sense of frustration and disappointment to file a formal complaint against Possible Finance. It has come to my attention that this company has inaccurately reported me as missing a payment, tarnishing my credit history, credit score, despite the fact that every single one of my payments was made diligently and on time.
They reported to Credit Bureau 's on XX/XX/2023 that I missed my first payment on XX/XX/2023 for {$73.00} even though it was withdrawn from my bank account and the payment cleared without any trouble or multiple attempts.
I emailed them regarding this and was told I would hear a response in 2-3 business days and was never reached out to again.
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b such company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 This company listed below, used mis-match information to open an account fraudulently, with incorrect information, I have since disputed and proven the personal information and it has been removed from some but not all credit bureaus. However the fraudulent accounts associated with the personal information have not been removed. XXXX opened XX/XX/XXXX with late payments, XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX and XX/XX/XXXX. I have never been affiliated with these businesses.
|
| 10/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Possible financial XXXX different accounts : 15 us code 1692G I do not recognize how this account is reporting on my credit report. I dont recognize the account number I dont recognize the account status or the account balance nor do I recognize the late payments or any payments associated with it. Everything reported here does not meet the FCRA. When I asked for information from this debt collector they denied any information for me and was very rude and threatening questioning me as to how I dont know this account! fCRA sec 623 that enforce FACTA 312 since they are unable to perform a reasonable investigation then required by FCRA the negative debt must be removed immediately
|
| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a {$100.00} Loan and ran into problems paying due to my bank rejecting payments due to fraud protection and noticed that they do not have a way to pay individual installments if you miss a payment you either have to pay the entire loan off or you risk damage to your credit due to a faulty, out of date payment system. I think this is an issue as you have no control of your payments like I can not make an individual payment right now at all. They also do not possess a phone number to call, instead depend on a email system that sucks and it takes agents days to get back with you and being that my credit is on the line, this is a issue.
|
| 07/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I received a loan from possible inc in a form of a revolving small credit line and for the past three months, this company has drafted out {$50.00} each month. And as I seen this amount being drafted out my account, the balance in the loan hasnt changed. In addition to that each month they have reported on my account 30, 60, 90 day delinquency marks to my credit report. As the result of this, I have been denied credit card approvals, denied access to car loan and deem ineligible for mortgage and other possible renting situations. At this point can these delinquencies be removed from my credit report. I would greatly appreciate it.
|
| 02/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2022 I paid Possible {$330.00} to clear up my past due account. Prior to this, they reported to all three credit bureaus the amount of {$250.00}. I received the standard your loan has been paid off email and offer to reapply. Now, on my XXXX report it states the status of paid. Closed. {$250.00} Charged off and then again stating the balance of {$430.00}. It shows incorrectly on XXXX and XXXX as well! After emailing to request the account officially be closed ( email is the only way to speak with these people ), I was first informed that it would be processed but then was told that Id have to wait XXXX months!
|
| 10/26/2021 |
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
|
|
Web |
|
|
Possible Finance is reporting inaccurate information to my XXXX credit report. They are stating that I owe a debt of {$51.00} and have reported to my credit report as charged off. I haven't done business with this company and I do not owe them anything. According to the Fair Credit Reporting Act, section 609, they are required by federal law to verify, through the physical verification of the original signed consumer contract, and and all accounts that they post to my credit report. Otherwise anyone paying for their reporting services could fax, mail, or email in a fraudulent account. These reporting 's are inaccurate
|
| 07/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This is my email I sent to Possible Finance XXXX XXXX XXXX XX/XX/2023, XXXX PDT I received an late payment showing on my credit report. This is XXXX. Everytime I go into the app to make my payments I always have a XXXX problem with your app. I notified you a couple of times about your app. I want this taking off of my credit report. If not I going to my attorney.
I know that the lender say it will take some time to fix it. I filed a dispute with the XXXX credit bureaus several times and I get the same exact that the lender sent back stating XXXX disputes this account information Charged off account.
|
| 10/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Possible Finance is reporting 2 late payments on my credit report. This isn't the first time that has happened. I tried updating my payment information, however their App wasn't allowing me to nor pay the whole balance. I took screenshots of these errors. Possible Finance isn't taking any responsibility for the App issues. They don't want to be accountable. I tried updating my payment dates, which it wouldn't allow me to. I asked them several times to call which they never did. They don't want to accept the fact that their App was the problem, but instead they are painting me out to be the bad guy.
|
| 11/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
Servicemember |
|
I spoke with customer service agent at XXXX so many times i also sent in my driver license social security card disputed by mail and online they are still reporting my credit information wrong my address is wrong ... they have fraud alerts on my account that should have never been there or removed i disputed an account possible filed a complaint disputed in the mail and the account is still on my report I done everything correctly and I not getting anything accomplished else can i do to have them report my information correctly wrong address and to removed collection off my report
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Possible loan company has put a derogatory mark on my credit report at - XXXX points due to one payment of XXXX dallors after I had emailed them several times about my payment when it was in good standing I wa neve late in my payments and our on time after they took their payment on XX/XX/XXXX and weeks before I told them to I had a payment plan and to stop Over drafting my bank account to be bias and aut of retaliation they reported me to two XXXX agencies and for negative XXXX points for XXXX they have no phone to be reached out address its completely wrong and fraudulent
|
| 03/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
Possibleff this account in XXXX. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/2022 Possible Financial XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains entry showing a current payment status as of XXXX XXXX for my closed Possible Financial Account.
It would assist me tremendously if you could make a goodwill adjustment that removes this negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
Thank you for your consideration.
|
| 09/20/2022 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
I have checked my credit and found a account that wasn't mine I tried calling the company 's phone number just to find out it is a automated number and doesn't connect to a service representative and it then hangs up on you I have then went online to search for other numbers and have ran into the same thing saying this company does not have a phone service I have emailed the company just to have them tell me they are looking into it and then emailed me back saying we can no longer investigate this claim without a police report and still no phone to contact anyone
|
| 02/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I usually use this company to aplay for small anount of money, XXXX and I always pay them back XXXX every other week XXXX or so.
I request that money on Friday XX/XX/2023 and they sen me a lot of questions and emails requesting personal information that I don't want to send because I was afraid of stealing my personal information and they already have on file everything they need. After a few emails ( they never call me ) I decided to request to cancel my account and they don't want to and I try to erase my bank account and not let me doing it. What can I do?
|
| 07/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I requested to change my bank account XX/XX/XXXX ( XXXX XXXX ) from XXXX XXXX XXXXXXXX to XXXX XXXX XXXX, however the company never changed the account even though I got approval more than 5 business days before my payment date. They continued to pull which caused me {$70.00} in fees that they refuse to credit back. After emailing them and asking them to fix this, they closed my account, won't let me log in to make payments, and will not return calls trying to fix this. Then they reported to my credit report that I'm 60 days late and won't take payment.
|
| 07/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I took out an installment loan with possible fianc XX/XX/XXXX for {$75.00}. I successfully made two payments. I unfortunately had to file bankruptcy on XX/XX/XXXX. The balance of $ XXXXwas included in the bankruptcy which was ultimately discharged XX/XX/XXXX.
I have been reaching out to Possible Finance for 3 days because though its been discharged they have not removed the loan from XXXX open deferred presentment database. Ive spoken to the a Supervisor at XXXX XXXX XXXX who actually monitors the database and it must be removed by Possible Finance.
|
| 01/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
There was a past due balance of {$94.00} that was paid by my bank caused me to over draft on my XXXX XXXX XXXX account, I contacted them by email since they dont have a customer service line u can talk to someone. They sent me money bank of {$35.00} for the over draft so my bank still paid that {$94.00}. They are saying its not paid but I had sent them my bank statement of the {$92.00}. And some cents that was paid. They still wont help me solve the issue. Its ridiculous that you cant speak to a live person. I need this cleared from my credit ASAP.
|
| 05/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
I have not applied for loan. Everything that is reported is inaccurate from dates to account number In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on the refit report. This grounds for removal they also violated my rights under 15 US C 1681 section 602 states I have the right to privacy.
15 U.S.C 1641 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my writer instructions.
Also the Credit bureaus took more than 30 days to complete.
|
| 05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is my fourth dispute regarding the same accounts that has been affecting my credit and holding up the process of purchasing a house. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, POSSIBLE FINANCIAL # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Submitted a dispute with XXXX regarding incorrect information on 2 tradelines from POSSIBLE FINANCIAL. Creditor retaliated for the dispute at almost the last minute by marking it as presently being a charge-off account, while simultaneously keeping it with a closed/ paid off remark. XXXX claimed that the information was verified, even though I provided documentation that the accounts were never late to begin with, and despite the fact that it's long since showed paid off. XXXX is clearly not paying attention to details.
|
| 02/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have no idea what this Possible Financial company is that is reporting a negative balance on my report. I have never signed up for a loan in person or online with this company. I have tried to ask for complete verification of this debt, but to no avail. As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your firms process of verification and validation for each disputed credit item, and remember, I am following all regulatory rules. See attached formal dispute and complaint.
|
| 03/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
Servicemember |
|
Possible Finance was trying to collect a payment from me for {$43.00}. I have been over a year been unable to make the payment due to their inability to let me update my information online/through the application. I was forced to email them, as during COVID they were not, and are still not taking calls. No one is returning my emails so that I can clear up a {$43.00} debt. They continue to report me late, and it is hurting my credit. I have emails for over a year to pay and delete this account off of my credit report.
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Possible Finance has been contacted through every appropriate channel with respect to them unlawfully activating an account after I advised in writing to not only cancel application and delete my personal info entirely but ach, phone and email were deleted months ago.
They have been contacted through various agencies months ago long before they ever reported to credit now they are blatantly breaking the law by repeatedly violating cease and desist, reporting inaccurate info, disregarding request for ccpa deletion
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have attempted, on 13 occassions to contact Possible Finance to resolve their collection account that's being reported to my credit report. This is not my debt, but I can not let a {$43.00} amount ruin my credit. They do not answer calls, their voicemail states you can ONLY communicate via email, and they have not responded to my emails for 4 months. This debt is not mine, I have tried resolving with the creditor- and they WILL NOT RESPOND. I NEED HELP! This is effecting my ability to use credit.
|
| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 01/10/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
i have been trying to pay XXXX cause thats all i have left on loan but you guys are not allowing me to update my bank info everytime i give my info its saying i cant make my primary account which i dont know why so can you guys just give me the address so i can send it in money order cause you guys app XXXX so all i need is a address i have 18 days before this account is default and im already getting late payments for this XXXX when i have been trying to pay for months i moved and everything
|
| 04/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : POSSIBLEFINA XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ XXXX ]
|
| 12/23/2022 |
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
|
|
Web |
|
|
15 U.S. CODE {$1600.00} CORRECTION OF BILLING ERRORS 15 U.S. CODE 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS According to these 2 codes there should not be any late payment reported on my credit file I am demanding my credit file be updated with the proper account status of up to date Account dates opened XX/XX/XXXX account is reflecting as not paid this account has been paid in full and I need this derogatory remark removed from my credit file and lte payment removed as requested above.
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.
|
| 09/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account was shown to be opened on XXXX XXXX I was being helped by a customer rep by the name of XXXX which I was told once we verify your police report We will be contacting you in 2-3 business days which was 2 weeks ago I keep emailing and not even a response Im showing a debt of XXXX Im unaware of this account This is not a account I opened and I been trying to get it handled but no one will help me at this company at all You cant even call to get anyone
|
| 04/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I first realized possible was on my credit a few months ago, but was confused on what the company was. I signed up and was told that the service isnt even available in my state, so why is a charged off account reporting on my credit if the product isnt even to me?? I contacted possible on XX/XX/2023 at XXXX pst and was told that they cant verify my information and that if this was a result of identity theft that a police report had to be filed over {$67.00}???
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
You are reporting incorrect payment information for account POSSIBLE FINANCIAL INC XXXX. This is a clear violation of the FCRA. I will attach my credit report to show the inconsistent information being reported. I do understand that each violation has a fine up to {$1000.00}. I will be seeking legal action due to negligence, pain and suffering, and many FCRA violations. I am requesting that this account be removed or updated to show my true creditworthiness.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
you are in direct violation of the fair credit reporting act Possible finance Inc Account numbers XXXX ; XXXX ; and XXXX have violated my rights.
15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy.
15 UAC 1681 Section 604 A section 2 : states a consumer reporting agency can not furnish an account without my consent I have not given consent to furnish this account. these accounts do not belong to me. Please remove them immediately
|
| 10/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I was out of work for 3 months due to being diagnosed with a XXXX XXXX. I wasnt getting paid and couldnt pay any bills. My account got behind. Im trying to pay on it now with a debit card. Im not able to add through the online app. There is no phone number to reach anyone. Ive sent multiple emails. They have reported this negative in my credit report as a charge off but I am trying to pay it. I dont want to use the checking account on file
|
| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I apply for a loan in the amount of {$75.00} back on XXXX and I paid it off on time and now its still reporting as a 30 day late payment with XXXX and possible finance said they will remove it off my file and it been a month so far and I send them documents and money orders and paperwork from XXXX XXXX so I technically send {$75.00} twice and this loan is still reporting late as of XX/XX/2021 and I no longer want to borrow from them again
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 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 any purpose.
|
| 02/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I've been trying to pay the loan for weeks. At every turn a new issue arises and they ignore my complaints or take weeks to reply. I'm trying to pay the FULL BALANCE TO GET this experience over with.
No way to contact them other then email. Leaving a voice mail at their XXXX contact number states that I'll receive a call back within 3 business days, LIES!
I've been in talks with XXXX XXXX & with XXXX Absolutely no help at all.
|
| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 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 any purpose.
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company was sent email and certified letter requesting validation of account and official notice of account in Dispute on XX/XX/XXXX with no response. Company does not have a direct number to discuss issues with an account status. Company continues to report fraudulently on my personal consumer report without consent nor providing validation information. I am a victim of identity theft and do not believe this account belongs to me
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 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 any open end consumer credit plan as late for any purpose.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting ActPossible Financial has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 Section 604 Part 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 any purpose.
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2023 I was notified Possible finance reported incorrect information on my credit report and immediately notified them. On XX/XX/2023, they responded saying the reporting was correct. The same day I sent proof that it was incorrect ( attached ) and asked to speak to their head of AR. I was transferred to 2 other customer service reps telling me the same thing and instead of fixing the problem, they closed my ticket.
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have a right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer 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 ended consumer credit plan as late for any purpose.
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I at one point had a loan with possible finance. So kind of way the loan defaulted. Nevertheless, I reached out to possible finance and requested a pay for delete. I am showing that this account was removed from XXXX and XXXX. However, its still showing on my XXXX report. Im trying to purchase a home and Im begging your company to please remove this account from my XXXX ifs drastically affecting my score please and thanks
|
| 09/21/2021 |
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
|
|
Web |
|
|
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
|
| 10/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX Account opened XXXX XXXX XXXX - Possible Finance reported 30 days for XX/XX/XXXX and 60 days for XX/XX/XXXX. This is not correct. Possible Finance had my updated debit card on file and failed to debit from the right card. I also did payment extensions and it didn't state or send any documentation stating payment extensions I would be reported late. This is affecting my credit drastically on XXXX on XXXX.
|
| 04/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
|
| 01/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
After going over my monthly credit report analysis and maintenance I noticed a account had been opened under my name without my knowledge or consent which may have been a result of an information data breach, I have tried solving this issue with XXXX but the online dispute center did not have the proper options to help me properly. The Account is a " Possible Finance '' Account # XXXX is the amount of {$600.00}.
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is my THIRD time disputing the following accounts : XXXX, XXXX # XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -POSSIBLE FINANCIAL INC. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
|
| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
By law this company is reporting information to credit bureaus that is not allowed by permission. Law statue 15 U.S. Code 1681a 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
FRAUD SEE ATTACHED FILES They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave POSSSIBLE FINANCE NOR XXXX written permission to furnish this account on my consumer reports.
I have attached my XXXX and my bank statement along with my ID so do not send me a STALLING LETTER!
|
| 12/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is my second time disputing the following accounts : -XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Previously I have filed a complaint with this company and explicitly explained to them that they are reporting erroneous and inaccurate information on my XXXX credit report. And previously they responded that they would fix this problem. To date, they have not fixed anything as this account still shows as an active and open account with a balance owed, even after being notified of this already.
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature Copy of bill showing last default date
|
| 03/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a loan at one point with possible finance and I was a victim of identity theft. So at some point this company wasnt getting paid their installments. I informed the company of this and paid the account of for deletion. For whatever reasons their stilll reporting it. Even though, XXXX and XXXX has deleted the account XXXX is still reporting. Ive also attached proof of deletion below
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Reached out to all creditors about the accounts for over a year have not gotten any resloution ask creditors to send the orignal contract and provide verfication for the last year I still have not gotten any information from the creditors aslo filed disputes with all three credit companies such as XXXX, XXXX, XXXX. All creditors are reporting in accrate information on my credit report.
|
| 06/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I was trying to accept a {$50.00} loan but Im getting a error message from the company and I emailed possible Loan and later on today they replied back to me and said my bank account ending XXXX was blocked by third payment party and I never did business with that company and I believe someone hacked into my bank account and I fixed it with XXXX and I need a loan so I can fix my credit
|
| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Consumer has sent multiple verifiable emails to company asking for payment arrangements, company is slow to respond or doesnt respond.
Consumer was finally able to reach company to make payment arrangements, consumer is paying loan, company has negative marks on consumers credit report stating charge off when consumer is paying loan after finally being able to reach someone.
|
| 09/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I got a lot of alleges on your response back I can currently screenshot all the emails I sent after responses Especially when I told we will contact you 2-3 days and I get contacted over a week later I have the emails And also why is there a rep sending me a email which is XXXX saying the account is being removed within 30 days but now your saying its inaccurate information?
|
| 09/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
|
| 12/14/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
a loan was open with possible finance on XX/XX/2023 in amount of XXXX this is a fraud account never heard of you guys please remove from all three credit reports or attorney general will be contracted my rights have been violated THIS IS A REFUSAL IM NOT PAYING FOR ACCOUNTS THATS NOT MINE AND PLEASE DON'T TRY TO UPDATE ADDRESS ON YALL END I KNOW THIS ACCOUNT IS FRAUD
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Per my most recent credit report ( XX/XX/2022) shows a charge of for a company POSSIBLE FINANCE, this company has continuously been reporting incomplete, inaccurate, AND unverified information on my credit report. They are also reporting inconsistent info cross 2 bureaus. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.
|
| 09/27/2022 |
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
|
|
Web |
|
|
XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have written many letters to get this negative item disputed that I have no memory or getting. They have also inaccuracies and do not have my correct information so that is how I know it is fraudulent. I also retired contacting this creditor and told me that they have my date of birth as something and that is not my birthday nor me.
|
| 02/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I got approved and then within minutes I got an error stating that they were having trouble sending the money and to check my email for further instructions. They never sent me an email with those instructions. So I filed for customer service to get back to me and no one has and they still expect me to pay off a loan I never received.
|
| 01/15/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
There payment system always had issues when trying to make debit card payments. I eventually was hit with XXXX XXXX payments and they reported it but when I tried paying with a debit to instantly take care of payment there was always issues processing and you could never speak with a XXXX person, you have to send a XXXX and wait.
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Follow up to CFPB complaint # XXXX. Documents requested from complaint # XXXX are attached. This account is not mine.
I have never lived in South Carolina.
In accordance with the fair credit reporting act ( FCRA ), this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
|
| 05/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Possible finance has igorne my emails for days and wouldnt update my credit report and I cant wait until XX/XX/XXXX and I paid this XXXX loan off in XXXX the payment took too long to process and was paid off on XX/XX/XXXX I dont want ever want borrow from them because my credit score is worst and they wont do a XXXX thing about it
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act, XXXX XXXX Account Number XXXX. Have violated my rights. 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 on my credit file without my written instructions.
|
| 03/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
A financial company by the name XXXX XXXX has added a negative report to my credit report without my knowing the loan exists. The loan is in the amount of {$500.00} and it continues to accrue interest. I can not reach any XXXX of the companys employees to help solve this issue.
I need help to remove this from my credit report
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Possible Financial is reporting a debt on my credit file that needs to be removed. I took a look at my credit and noticed this debt was reporting. I do not recognize this account and I never applied for a loan with Possible Financial, I never even heard of possible financial. This account is not mine and must be removed.
|
| 03/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving collection notices in the amount of {$56.00} the collection had been reported past due. I do not know this company. I have never done business with this company. This company do not have a contract with my signature.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX
|
| 08/25/2021 |
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
|
|
Web |
|
|
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.
|
| 02/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Possible loans are paid every payday which is every other week with a 198.4 % rate. Each time they report to the credit bureau it has dropped my credit score over XXXX points. The way they are reporting has caused me problems as I have attempted to advised them of the drop of my credit score each time.
|
| 08/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I took out a small loan of XXXX with weekly payments. I was in hospital for a week so delayed a payment. So far 2 of 4 payments have been made and the 3rd payment will be taken out XX/XX/XXXX and last payment XX/XX/XXXX. I looked at my credit score and they took -57 point off for supposed late payment.
|
| 12/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I never opened an account with these these companies possible finance and major finance account was opened fraudulent i reported to credit bureau i even sent in police report showing i was a victim of fraud i sent in police report to XXXX and this my second attempt t to get the fraud account remove
|
| 08/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I HAVE ATEMOTED TO REACH OUT TO POSSIBLE FINACE SEVERAL TIMES TO MAKE MY PAYMENT AND TO PAY IN FULL. THEY DO NOT HAVE A CUSTOMER SERVICE NUMBER BUT EMAIL. I HAVE ASKED FOR SOMEONE TO CALL ME SEVERAL TIMES, SO I CAN MAKE MY PAYMENT. THEIR APP IS VERY DIFFICULT TO UNDERSTAND AND I WANT TO PAY ASAP.
|
| 11/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Completely XXXX my credit score, I made every payment in full and on time, never had any late payments and I am only one payment away from paying this off in full and apparently theres no reason as to which dropped it just did so they are no help and they completely destroyed my credit
|
| 09/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
accordance with the Fair Credit Reporting act XXXX, has violated my rights.
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 a account without my written instructions.
|
| 11/21/2023 |
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
|
|
Web |
|
|
15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date.
I asked them twice to verify that they sent this information to me which they have yet to verify.
|
| 10/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a defaulted loan with Possible Finance. I am unable to pay the loan in the app, I have been unable to pay in the app since it defaulted. I emailed customer service several times and am never provided a way to pay yet they are reporting a negative account on my credit report.
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S Code 1666b ( a ) They can not report a late payment as late without first sending me all information required under this law in a statement at least 21 days before the due date. I asked them twice to verify that they sent this information to me which they have yet to verify
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 03/15/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
XX/XX/22 XX/XX/22 I've had issues with the payment processor that has caused payments to not come out on time. I use this service to help my credit but it has caused more damage. When reaching agents it is via email and can take a day for reply caused last payment.
|
| 02/11/2023 |
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
|
|
Web |
|
|
This account is closed but still showing Collection/Charge-off as a payments status and {$710.00} past due plus account remark as " Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. ''
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2023 an unathorized loan was taken in the amount of {$100.00} on XX/XX/2023 an unathorized loan was taken in the amount of {$120.00} On XX/XX/2023 an unathorized loan was taken in the amount of {$130.00} I have disputed the transactions as fraudlent.
|
| 06/07/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
After requesting by certified mail that XXXX XXXX investigate and remove inaccurately reported items on my credit report, XXXX failed to remove such inaccuracies or provide evidence within 30 Days of how they verified the accuracy of these accounts.
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A company named possible finance Inc has a fraudulent account listed on my credit report in the amount of {$430.00}. They can not be reached by phone on by email and no way to speak to representative to dispute and get removed due to fraud.
|
| 02/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Im not sure if my CFPB complaint is categorized properly. I applied for an extension of credit with Possible Finance. They denied my application even though I provided my social security number. This is an adverse action. It is illegal.
|
| 09/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I do not know who ( possible financial ) is nor have I ever done business With them or been lent any money by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything with such agency
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2023, I made a payment to XXXX who collects for Possible Financial in the amount of {$260.00}. It was a settlement payment. I received a paid in full letter but the account still show on my credit report as unpaid.
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I settled this account with XXXX XXXX XXXX XXXX. They said theyre going to repost account settled in full, remove balance, and delete the account from my report. Can someone correct this issue. The account has been settled
|
| 09/21/2021 |
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
|
|
Web |
|
|
I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.
|
| 10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I disputed the account information with XXXX for account with Possible Finance Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.
|
| 03/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
Im getting reported late on a loan that I did not apply for the app automatically requested loan I did not sign up for taking out of my account without permission and marking me late for miss payments and charge off
|
| 11/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Possible Finance denied my credit application because I receive unemployment. I feel like there is a ECOA violation. After the denial, Possible Finance sent solicitation emails with their company logo in the email.
|
| 11/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleg debt, nor therefore any such debt, in fact therefore exists
|
| 01/13/2022 |
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
|
|
Web |
|
|
XXXX Account # : XXXX Date Opened : XX/XX/2021 Balance : {$190.00} This is a charge off account but it still has reporting balance. XXXX is not reporting and the payment history is showing multiple charge off.
|
| 07/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
This loan was taken in 2011 and paid at the same time. This company reports every month that it's late for the past XXXX years!! I've disputed with them and credit bureaus to no avail. This can not be legal.
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been trying to resolve this issue with the companies and with the bureaus. I am a victim of identity theft and have accounts on my credit report that do not belong to me.
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Most of thing on my credit should not be there because they paid off and suppose to be remove as agree .Balance inaccurate and Acount close to hold on my credit over 7 years.
|
| 01/06/2021 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Possible Finance reported I was 30-60 days late on a payment. I attempted to contact them and got no where. My account can not go from OK payments on time to 30-60 days.
|
| 01/25/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Never received required correspondence per the FDCPA nor truth in lending No right to dispute No debt validation No monthly statement Information on reports inaccurate
|
| 08/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Possible Financial INC reported a collection XX/XX/2020 amounting too {$140.00} which has since been reported as Identity theft to the police department and the FTC.
|
| 11/29/2022 |
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
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
Possible financial services the account was closed why is it still showing on all my credit reports and also they told me if its not removed itll impact my credit
|
| 03/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a 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.
|
| 12/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Possible financial i never open this account and anybody can go online and sign and open accounts i first seen this account when i look at my credit report
|
| 02/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I'm telling you that account isn't mine that possible account that shows on my credit file. It isn't mine and I want someone to fix this. This isn't right
|
| 03/01/2021 |
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
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 07/04/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Web |
|
|
I have asked them to correct my account to show it has been paid and closed and now they have reopened in showing I still owe a balance. This is not ok
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
|
| 12/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i contact the company inform them this is not my account and that they need to stop reporting it to my credit i need this remove from my credit file
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Posssible finance is reporting inaccurate information on my report. Please look into this matter and have this account removed from my credit files
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
The creditor violating my rights I have the right to privacy, a consumer reporting agency, can not furnish my accounts without my written consent
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
2-3 years ago I lost my job and started using my credit to get loans to last a few weeks Im doing better now and I want to fix all loans I have
|
| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account : POSSIBLEFINA ( XXXX ) Date Opened : XX/XX/2020 Balance : XXXX This account is deferred or in forbearance, please remove it
|
| 08/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Possible Financial is attempting to collect a debt that does not belong to me. This is a debt that comes from identity theft.
|
| 06/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Possible Financial Inc-XXXX XXXX, 2023 {$70.00} This account is involved in litigation.
This account was paid by insurance.
|
| 11/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I was approved before for a possible loan but now I am getting denied because it says I am XXXX XXXXXXXX XXXX which I am not
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 usc 1681a2 stating you Dislike didn't give written permission to have those accounts furnished on your report
|
| 01/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I've been making my payments online every month on time and they are falsely reporting late payments
|
| 03/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The account has been charged off and no 199-c was mailed. in violation with it on my report.
|
| 02/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
This is not my account Ive never opened this it was opened fraudulently
|
| 12/23/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Tried multiple times to explain that I paid a dept that wasn't mine
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
INACCURATE!
NOT DUPLICATE SUMBISSION NEW CLAIM
|
| 05/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
I see loans on my account i didnt apply for
|
| 09/20/2022 |
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
|
|
Web |
|
|
I am a victim of identity theft
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
this account is not mine
|
| 07/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Debt was settled
|
| 02/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
Servicemember |
|
|
| 01/22/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/28/2023 |
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
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/19/2023 |
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
|
|
Web |
|
|
|
| 11/15/2023 |
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
|
|
Postal mail |
|
|
|
| 11/13/2023 |
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
|
|
Web |
Servicemember |
|
|
| 11/03/2023 |
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
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/02/2023 |
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
|
|
Web |
|
|
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/22/2023 |
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
|
|
Web |
Servicemember |
|
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/12/2023 |
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
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/28/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 06/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/08/2023 |
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
|
|
Web |
|
|
|
| 06/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/04/2023 |
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
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/19/2023 |
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
|
|
Web |
|
|
|
| 04/16/2023 |
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
|
|
Web |
|
|
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/06/2023 |
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
|
|
Web |
|
|
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/11/2023 |
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
|
|
Web |
|
|
|
| 02/23/2023 |
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
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 01/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 12/21/2022 |
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
|
|
Web |
|
|
|
| 12/20/2022 |
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
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 11/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 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
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/17/2022 |
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
|
|
Web |
Older American, Servicemember |
|
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/20/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 07/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 07/06/2022 |
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
|
|
Web |
Servicemember |
|
|
| 07/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/10/2022 |
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
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 05/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Phone |
Servicemember |
|
|
| 05/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 03/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/31/2022 |
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
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/14/2022 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/01/2021 |
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
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 10/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/07/2021 |
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
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 06/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 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
|
|
Web |
|
|
|
| 03/10/2021 |
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
|
|
Web |
|
|
|
| 02/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
|
| 12/16/2020 |
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
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|