Reviews
28
Average
Response rate
0%
Resolution rate
0%
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 writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
Anonymous
These inquiries are inaccurate and do not reflect my actual credit history. I kindly request that they be reviewed and removed, as they may impact my creditworthiness and financial opportunities.
Anonymous
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Anonymous
Experian is reporting inaccurate data thats been reported as identity theft and fraudulent
Anonymous
I am formally disputing the late payment information currently being reported on my credit report, as I believe it is inaccurate and does not reflect my true payment history. This reporting is negatively impacting my credit standing without justification. I request an immediate and thorough investigation of these entries. If any late payment can not be fully verified as accurate, it must be corrected or removed without delay in accordance with credit reporting requirements. I expect prompt action to ensure my credit file is accurate, complete, and properly updated.
Read full reviewAnonymous
This letter serves as my initial dispute concerning inaccurate, incomplete, misleading, and unverifiable information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must maintain and report only information that is fully accurate and verifiable. Under FCRA 1681i, you are also obligated to perform a proper investigation of all disputed accounts and information.
Anonymous
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.
Read full reviewAnonymous
I don't know what happened all I know is that these people keep taking $30.00 out of my account over and over and over I've never authorized that I didn't ask for that I don't even know what it's for I've asked him to stop I asked him what it was for I even got a refund from my credit people however I am not going to keep putting up with this and I am not going to keep paying they've taken about $300.00 for me now in $29.00 increments over and over I don't even know what I'm supposed to be paying for
Anonymous
I am filing this complaint concerning collection accounts that have been reported on my credit report but do not belong to me. As someone who regularly monitors my credit history, I was surprised to discover these accounts, as I have no knowledge of them and have never authorized or entered into any agreement related to them. The presence of inaccurate information on my credit file is concerning and may negatively impact my financial standing. I respectfully request a thorough investigation into these accounts and ask that any information found to be inaccurate or unverifiable be corrected or removed as soon as possible.
Read full reviewAnonymous
I am submitting this complaint regarding the continued reporting, furnishing, publication, processing, and verification of inaccurate, incomplete, misleading, unverifiable, and legally noncompliant information on my consumer report. The conduct described herein constitutes violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including but not limited to FCRA 602, 604, 607 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 1 ) ( B ), 623 ( a ) ( 2 ), 623 ( a ) ( 8 ), 623 ( b ), 605B, and all applicable federal consumer protection requirements. The furnisher and/or consumer reporting agency has failed to maintain reasonable procedures to assure maximum possible accuracy as required by FCRA 607 ( b ), failed to conduct a lawful and reasonable reinvestigation under FCRA 611 ( a ), failed to review all relevant information submitted by the consumer, failed to properly identify the source and method of verification, failed to provide competent evidence supporting the continued reporting of the disputed information, and continued to publish information that is inaccurate, misleading, incomplete, and damaging. The continued reporting of disputed information without competent documentary evidence raises serious concerns regarding compliance with FCRA 607 and 611, the Fair Debt Collection Practices Act where applicable, the Consumer Financial Protection Act, and all related federal and state consumer protection statutes. Upon information and belief, the furnisher and/or consumer reporting agency has engaged in automated, superficial, and legally deficient dispute processing practices rather than conducting the reasonable investigation required by law. The reporting of information that can not be fully verified through original business records, account-level documentation, complete payment history records, signed contracts, and competent evidentiary support is unlawful and must cease immediately. The burden of accuracy rests upon the reporting entity and not upon the consumer. Any representation that disputed information has been verified without providing a lawful basis for such verification is insufficient under the FCRA. Furthermore, any failure to correct, delete, suppress, or block inaccurate information after receiving notice of dispute constitutes continued publication of potentially false information and exposes the responsible parties to liability for negligent and willful noncompliance under FCRA 616 and 617. The continued reporting of inaccurate information causes substantial harm, including damage to reputation, loss of credit opportunities, higher interest rates, denial of housing opportunities, emotional distress, and financial injury. I demand a complete CFPB-supervised investigation, disclosure of all procedures used to verify the disputed information, identification of every party involved in the verification process, disclosure of the date and method of verification, disclosure of all records relied upon during the investigation, and immediate deletion of any information that can not be fully substantiated through competent documentary evidence. If the information can not be verified in strict compliance with federal law, it must be permanently deleted and removed from all consumer reporting databases. I further request that the CFPB require the responsible entities to fully comply with all obligations imposed under the Fair Credit Reporting Act, the Consumer Financial Protection Act, and all applicable federal and state consumer protection laws and regulations. The only acceptable resolution is the immediate deletion, correction, suppression, or permanent removal of all inaccurate, incomplete, misleading, unverifiable, or unlawfully reported information and full compliance with all consumer protection requirements.
Read full reviewAnonymous
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.
Anonymous
I am filing this complaint because Equifax, TransUnion, and Experian have violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Violations include but are not limited to the following : 15 U.S.C. 1681, Section 602 ( a ) : I have the right to privacy and confidentiality. My private consumer information has been unlawfully shared and reported without my consent. 15 U.S.C. 1681b ( 604 ( a ) ( 2 ) ) : A consumer reporting agency may not furnish a consumer report without my written instructions. I have not provided such authorization. 15 U.S.C. 1681c ( a ) ( 5 ) : A consumer reporting agency is prohibited from reporting obsolete or unlawful information. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A furnisher of information may not knowingly provide inaccurate or unverifiable information to a consumer reporting agency. Despite these clear statutory protections, the following accounts and/or inquiries have been reported in violation of my rights : [ List accounts/inquiries here include creditor names, dates, and account numbers if applicable ] These actions constitute repeated violations of my consumer rights and have caused harm to my financial and personal well-being. I am demanding : The immediate removal of the above-listed accounts/inquiries from my credit file. A full investigation into the unlawful reporting and furnishing of my private consumer information. Written confirmation of compliance with my FCRA rights. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate these violations and take enforcement action as necessary to ensure compliance with federal law.
Read full reviewAnonymous
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
I want to make it absolutely clear that this complaint is legitimate and has been submitted after carefully reviewing my credit reports. I have identified information that I believe is inaccurate, and I can not ignore the ongoing harm these reporting errors have caused. The inaccurate information on my credit report has negatively affected my credit score, limited my financial opportunities, and created unnecessary hardship. I have made every reasonable effort to resolve these issues, yet the disputed information continues to be reported. I expect my credit file to reflect only information that is complete, accurate, and properly verified.
Read full reviewAnonymous
* * 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
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Read full reviewAnonymous
I am submitting this complaint because the consumer reporting agency has repeatedly failed to conduct a lawful, reasonable, and independent reinvestigation of disputed information despite multiple disputes identifying specific inaccuracies. Instead of conducting a thorough review, the agency has relied on generic responses stating the information was " verified '' or " updated '' while the disputed inaccuracies remain unchanged. I am not disputing account ownership ; I am disputing the accuracy, completeness, verifiability, and legal compliance of the reported information. The agency 's continued reliance on inadequate verification procedures, rather than an independent investigation as required by the Fair Credit Reporting Act, has resulted in the continued reporting of inaccurate and misleading information, causing financial harm, emotional distress, damage to my creditworthiness, and the loss of fair access to credit opportunities.
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
Complaint : Failure to Provide Proof of Permissible Purpose Under the Fair Credit Reporting Act I am submitting this complaint because a company accessed my consumer credit report and has repeatedly failed to provide competent documentary evidence demonstrating that it had a legally permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. After reviewing my credit reports, I discovered that the company placed an inquiry on my file. I do not recognize any credit application, contractual relationship, or transaction that would have authorized this access. I have sent multiple written requests demanding that the company identify the specific permissible purpose relied upon and provide supporting documentation, including any signed application, authorization, contract, or other records demonstrating that it had the legal right to obtain my consumer report. Despite the passage of significant time and multiple opportunities to respond, the company has failed to provide any competent documentary evidence supporting its inquiry. Instead of addressing my requests with documentation, the company has either failed to respond or has provided incomplete and unsupported explanations that do not establish compliance with the Fair Credit Reporting Act. Under 15 U.S.C. 1681b, a consumer report may only be obtained for a permissible purpose specifically authorized by law. If a company can not demonstrate that such a purpose existed at the time it obtained my report, the inquiry should not remain on my consumer reports. I respectfully request that the CFPB investigate this matter and require the company to : Produce competent documentary evidence establishing the exact permissible purpose relied upon under 15 U.S.C. 1681b. Provide copies of any signed authorization, application, agreement, or other documentation authorizing the inquiry. Explain the factual basis for obtaining my consumer report. If the company can not establish a lawful permissible purpose, immediately request the permanent deletion of the inquiry from all consumer reporting agencies. I believe I have acted in good faith by attempting to resolve this matter directly before seeking regulatory assistance. Because the company has failed to adequately respond after multiple written requests, I am asking the CFPB to assist in ensuring compliance with the Fair Credit Reporting Act and protecting my consumer rights. Thank you for your attention to this matter
Read full reviewAnonymous
This complaint is being submitted because of inaccurate late payment reporting on my credit report. Upon reviewing my credit file, I discovered that several accounts are incorrectly showing late payment remarks that do not match my actual payment history. These errors are causing harm to my credit standing and should not be reported. I have made efforts to correct this issue in the past, but the inaccurate information is still being reported. I am requesting a complete investigation and the removal of all incorrect late payment entries. The accounts should be updated to reflect a positive standing and marked as " Paid as Agreed '' without any delinquency or adverse reporting.
Read full reviewAnonymous
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 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
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.
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
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.