Reviews
18
Average
Response rate
0%
Resolution rate
0%
Anonymous
My bankruptcy has been filed. TransUnion removed payment history/missed payments but Equifax and Experian refused to remove this from my credit filed
Anonymous
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Anonymous
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.
Anonymous
I am submitting this complaint to dispute late payment information currently being reported on my credit report that I believe is inaccurate. These entries do not accurately represent my payment history and may be negatively affecting my credit standing. I respectfully request a thorough investigation into these reported late payments and ask that any information found to be inaccurate, incomplete, or unverifiable be corrected or removed promptly. I appreciate your timely attention to this matter and look forward to a resolution that ensures the accuracy of my credit file.
Read full reviewAnonymous
I have reviewed my credit report and found unverified items., it includes Collection accounts, Incorrect Personal Information and Credit Inquiries that are negatively affecting my credit standing.
Anonymous
* * Re : Demand for Reinvestigation and Description of Procedure Used * * To Whom It May Concern : I received your response to my CFPB complaint stating that you " contacted the data furnisher ( s ) '' and that the disputed information was " verified as accurate. '' A statement that the furnisher verified the account is not sufficient to satisfy your obligations under the Fair Credit Reporting Act. Pursuant to * * 15 U.S.C. 1681i ( a ) ( 7 ) * * and * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, I request a complete description of the procedure used during your reinvestigation, including : 1. The name, address, and telephone number of every person or entity contacted. 2. The method of communication used ( e.g., e-Oscar, telephone, mail, electronic transmission, or other ). 3. The specific documents, records, or evidence reviewed by Experian. 4. The date each communication occurred. 5. An explanation of how Experian independently determined the accuracy and completeness of the disputed information rather than merely accepting the furnisher 's response. If your reinvestigation consisted solely of forwarding my dispute to the furnisher and relying on its verification, please identify the statutory authority permitting such action as a reasonable reinvestigation under the FCRA. If you can not produce documentation demonstrating that the disputed information was independently verified as accurate and complete, I demand that the disputed information be deleted pursuant to * * 15 U.S.C. 1681i ( a ) ( 5 ) * *. Please provide your written response within the time permitted by the Fair Credit Reporting Act.
Read full reviewAnonymous
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.
Read full reviewAnonymous
I am writing to formally dispute false, inaccurate, and unverifiable information appearing on my consumer credit report. After multiple reviews and failed attempts at proper reinvestigation, it has become clear that your continued possession and transmission of this data constitutes criminal misuse of my personal identity under 18 U.S. Code 1028A Aggravated Identity Theft. Your agency is using my name, Social Security number, date of birth, and other identifying information to distribute false and unverifiable data, such as alleged late payments, incorrect balances, and other negative account information. Despite prior notices disputing these entries, you have continued to furnish this data without producing : Any original contracts or applications, Complete payment records, Or legally admissible proof of the validity of the derogatory entries. As a result, you are knowingly publishing and transmitting false data tied to my personal identity without lawful authority. The continued use of unverifiable information attached to my identity after dispute, and your failure to lawfully validate it constitutes aggravated identity theft under federal law. While some accounts may have originated from me, the inaccurate negative information being published now is false, lacks verification, and is being attached to my identity in a misleading and harmful manner. You are knowingly attributing inaccurate financial behavior to me, damaging my reputation, and using my PII to falsely profile me in violation of federal and consumer protection statutes.
Read full reviewAnonymous
I am filing this complaint to dispute an unauthorized inquiry on my credit report. I never authorized, requested, or consented to this credit pull and have no relationship with the company responsible. This is a clear violation of my rights under the FCRA. I demand an immediate investigation and permanent removal of this inaccurate inquiry.
Anonymous
I am exhausted, frustrated, and overwhelmed by this ongoing issue. Despite repeatedly attempting to resolve these inaccuracies, the false reporting continues, causing significant financial hardship, damaging my credit, and creating ongoing stress. My concerns have been consistently ignored, and I should not have to continue suffering the consequences of inaccurate reporting.
Anonymous
I am filing this complaint regarding a hard inquiry that appears on my consumer credit report. I do not recognize, recall authorizing, or providing written instructions permitting this company to access my consumer report. Therefore, I dispute the permissible purpose for the inquiry and request a thorough investigation.
Anonymous
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.
Anonymous
I was mislead into giving away personal information that become a problem for my credit.
Anonymous
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and, Proof of Address, and SS Card.
Anonymous
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and, Proof of Address.
Anonymous
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.
Anonymous
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.
Read full reviewAnonymous
Im working hard to buy a house as soon as possible, but the issues on my credit report are making things really difficult. One of the biggest problems is that my name and other personalinformation dont match exactly across my ID and other documents.Ive attached the letters and ID documents needed to help update my information. Fixing these details would make a big difference and help me move forward.I also plan to start my own business in the future, but these mistakes have been holding me back. This situation has affected my life in many ways, and getting it corrected would mean a lot to me.
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