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Credit reporting or other personal consumer reports
Incorrect information on your report
I ACKNOWLEDGE THAT THIS ACCOUNT BELONGS TO ME AND THAT I HAVE MADE MY PAYMENTS ON TIME ; HOWEVER, THE LATE PAYMENT REMARKS BEING REPORTED ARE INACCURATE. I HAVE BEEN DISPUTING THIS FOR MONTHS, AND ITS CONTINUED REPORTING IS CAUSING ME SIGNIFICANT STRESS. I AM FORMALLY REQUESTING A THOROUGH REVIEW AND CORRECTION OF THESE ERRONEOUS LATE PAYMENT NOTATIONS. IF THESE REMARKS CAN NOT BE VERIFIED WITH ACCURATE AND COMPLETE ...
Credit reporting or other personal consumer reports
Incorrect information on your report
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.
Credit reporting or other personal consumer reports
Incorrect information on your report
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.
Credit reporting or other personal consumer reports
Incorrect information on your report
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.
Vehicle loan or lease
Incorrect information on your report
I traded in my vehicle and the dealership ( XXXX XXXX XXXX ) completed a full payoff of my Hyundai account. However, due to a dealer buyout delay during the transition, Hyundai XXXX XXXX incorrectly reported a XXXX late payment on my credit report. I had no custody of the vehicle or control over when the dealership processed the payoff check. The account is now closed and fully satisfied on XX/XX/XXXX. Reporting this...
Credit reporting or other personal consumer reports
Incorrect information on your report
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Credit reporting or other personal consumer reports
Incorrect information on your report
XXXX XXXX :, Social Security Number : XXXX, Date of Birth XX/XX/XXXX .Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an...
Credit reporting or other personal consumer reports
Incorrect information on your report
I am formally disputing collection accounts appearing on my credit report that do not belong to me. I have no knowledge of these accounts, have never authorized them, and have no agreement or relationship with any party associated with them. The presence of these inaccurate and potentially fraudulent entries is deeply concerning and is negatively impacting my credit profile. I demand an immediate and thorough investi...
Credit reporting or other personal consumer reports
Incorrect information on your report
I am formally disputing collection accounts appearing on my credit report that do not belong to me. I have no knowledge of these accounts, have never authorized them, and have no agreement or relationship with any party associated with them. The presence of these inaccurate and potentially fraudulent entries is deeply concerning and is negatively impacting my credit profile. I demand an immediate and thorough investi...
Credit reporting or other personal consumer reports
Incorrect information on your report
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 witho...
Credit reporting or other personal consumer reports
Incorrect information on your report
I am filing a formal complaint against Experian XXXX XXXX because their automated database is generating false identity codes that imply I am manipulating my personal information. My full name, Social Security number, and physical address have remained 100 % identical at my residence for the past 20 years. I have never had variations in my identity or residential history. These highly damaging subprime file flags wer...
Credit reporting or other personal consumer reports
Incorrect information on your report
THIS ACCOUNT DOES NOT BELONG TO ME AND HAS BEEN INCORRECTLY REPORTED ON MY CREDIT REPORT. I HAVE NEVER APPLIED FOR, OWNED, OR AUTHORIZED THIS ACCOUNT AND HAVE NO ASSOCIATION WITH IT WHATSOEVER. I HAVE BEEN DISPUTING THIS FOR MONTHS, AND ITS CONTINUED REPORTING IS CAUSING ME SIGNIFICANT XXXX. THIS INFORMATION IS INACCURATE, MISLEADING, AND DOES NOT REFLECT MY TRUE CREDIT PROFILE. I AM FORMALLY REQUESTING A THOROUGH RE...
Vehicle loan or lease
Incorrect information on your report
I am filing this complaint because Credit Acceptance Corporation continues to report an auto loan balance on my credit reports even though the vehicle was declared a total loss in 2023. At the time of the loss, the vehicle was covered by XXXX insurance, which was intended to cover any remaining balance after the primary insurance settlement. Despite this, Credit Acceptance has continued to report that I owe a balance...
Credit reporting or other personal consumer reports
Incorrect information on your report
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation fo...
Credit reporting or other personal consumer reports
Incorrect information on your report
I dispute the accuracy, completeness, and validity of this collection account. Despite my request for validation, the account remains reported without adequate proof of ownership, contractual liability, payment history, or a complete chain of assignment demonstrating the collector 's legal authority to collect and report the debt.
Vehicle loan or lease
Incorrect information on your report
Consumer Financial Protection Bureau ( CFPB ) Formal ComplaintConsumer InformationName : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX SSN : XXXX XXXX : XX/XX/XXXX Creditor InformationCompany Name : Wells Fargo Auto Account Number : Ends in XXXX Statement of Facts & Nature of the XXXX am filing this formal complaint against Wells Fargo Auto for inaccurate credit reporting , unfair paym...
Credit reporting or other personal consumer reports
Incorrect information on your report
I am filing this complaint because I believe Experian , Equifax, and TransUnion have continued reporting information on my credit files that I dispute as inaccurate, incomplete, inconsistent, or not adequately verified after my review of each bureau 's report. My disputes include bankruptcy-related accounts reported by XXXX ( XXXX accounts ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX X...
Vehicle loan or lease
Incorrect information on your report
I am filing a complaint regarding the inaccurate reporting of a XXXX late payment on my Truist auto loan account. My payment was made on XX/XX/year>. Despite this, Truist reported my account as XXXX days past due to the credit bureaus. I disputed the information with XXXX and supplied supporting information. XXXX completed its investigation and stated that the account was updated, but the inaccurate late payment rema...
Vehicle loan or lease
Incorrect information on your report
I am requesting immediate assistance regarding the mishandling of my auto loan accounts with Ally following the total loss of my previous vehicle. From the very beginning of my new loan, I have been receiving collection calls and notices from Ally, even though my payments have been made on time through automatic payments. My previous vehicle was declared a total loss, and both my insurance company and XXXX insurance ...
Vehicle loan or lease
Incorrect information on your report
They did send me a paid in full lease letter stating the lease was paid in full and closed and XXXX amount was owed. However after XXXX months of letters and disputes a number of times with all XXXX credit reporting agencies the amount of XXXX is said to be owed and the car was reported as a repo. Now they are demanding after XXXX days that the amount is owed to them. I explained that the amount claims it for the lea...
Credit reporting or other personal consumer reports
Incorrect information on your report
I paid off all my cards but XXXX XXXX XXXX has not updated my balance.I have submitted a dispute trough XXXX XXXX and sent a formal letter to XXXX XXXX asking to have the balance show the correct information. This balances are affecting my XXXX XXXX and would like to have it resolved immedietly. The last payment shows on XXXX, It's been over 30 days.
Vehicle loan or lease
Incorrect information on your report
* * Complaint Regarding Failure to Report Accurate Vehicle Loan Information * * I am filing this complaint against XXXXVEROS CREDIT LLC for failing to accurately and completely report my vehicle loan account to the nationwide consumer reporting agencies. My vehicle loan was opened on * * XX/XX/year> * *, and the last XXXX digits of my account number are * * XXXX * *. Despite the account being active, XXXXVEROS CREDIT...
Vehicle loan or lease
Incorrect information on your report
There are XXXX late payments reported on my credit report. I believe these late payments should be removed because they were reported inaccurately ; this account has since been paid in full and closed. I have otherwise maintained a positive payment history with this creditor. I am requesting that the creditor investigate and remove the late payment notation from my credit reports with XXXX XXXX XXXX XXXX
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
My name is XXXX XXXX XXXX. My personal information was exposed in a data breach and used to open accounts without my knowledge or authorization. I did not open, authorize, or benefit from these accounts in any way. The following accounts are not mines Selfinc/Lead account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX all of which is listed on my Transun...
Vehicle loan or lease
Incorrect information on your report
I am filing this new formal complaint because Credit Acceptance Corp. used a bad-faith 'Fraud Pivot ' to force my previous complaint closed on XX/XX/year>, by falsely claiming 'Suspected Fraud. ' I am NOT alleging identity theft or third-party fraud. I am the account owner disputing inaccurate, impossible credit reporting under 15 U.S.C. 1681s-2 ( b ) .Credit Acceptance Corp. is reporting this account to the major bu...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information may be reported to consumer reporting agencies. If the late payments can not be verified as accurate, I request that they be removed from all credit reporting agencies immediately.
Vehicle loan or lease
Incorrect information on your report
I am disputing the accuracy and completeness of the reporting of the above-referenced account. I was an owner on this vehicle loan with Credit Acceptance Corporation. The vehicle experienced major mechanical problems, including engine failure, and the vehicle was voluntarily surrendered to the lender. However, my credit reports contain inconsistent information. The account is reported as a repossession and, in some i...
Vehicle loan or lease
Incorrect information on your report
I am writing to dispute the accuracy of the above-referenced account appearing on my XXXX credit report. The account is currently reporting a 120-day late payment history and includes the remark, Settlement accepted on this account. I believe this information is inaccurate. This account was paid in full and currently reports a XXXX balance. I dispute the late payment history and the settlement notation because they d...
Vehicle loan or lease
Incorrect information on your report
I am submitting this complaint regarding Ally Financials handling of my auto loan deficiency balance following the voluntary surrender of my vehicle. After the vehicle was surrendered and sold, I contacted Ally to resolve the remaining balance. During those discussions, I was informed that if I entered into a payment arrangement, I could settle the remaining balance for approximately {$12000.00}. I was also advised t...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
I am filing this complaint against MoneyLion for reporting outdated information on my XXXX credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). * * My XXXX credit report shows this account with a charge-off. The date of first delinquency was in 2019. This account is approaching the XXXX reporting limit under FCRA 605 ( a ). The account is too old to be reported and should hav...
Vehicle loan or lease
Incorrect information on your report
XXXX XXXX Subject : Request to Reopen CFPB Complaint XXXX XXXX Matter Not Resolved / False Reporting by Genesis Finance XXXX XXXX I am formally requesting that CFPB reopen complaint XXXX XXXX XXXX XXXX XXXX XXXX which was closed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX as resolved. This matter has not been resolved, and Genesis Finances response to CFPB was false, misleading, and materially inaccurate. I strongly disput...
Vehicle loan or lease
Incorrect information on your report
I am enrolled in XXXX XXXX XXXX automatic payment system. My account successfully drafted my funds on time. However, Hyundai internally misallocated my monthly lease payments to cover an annual municipal vehicle excise tax without my explicit authorization or explicit notification that my base lease payment was falling short. This systemic allocation error triggered a 37-day delinquency. I have now paid the balance o...
Checking or savings account
Incorrect information on your report
Attach this dispute index to every submission Dispute Index / Items Not Mine Furnisher Routing XXXX Account XXXX Open date Dispute reason XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Never opened, authorized, signed for, used, or benefited from this account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Never opened, authorized, signed for, used, or benefited from this account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Never ope...
Vehicle loan or lease
Incorrect information on your report
I am submitting this complaint regarding inaccurate and inconsistent reporting of my auto loan account by Nationwide Acceptance across multiple credit bureaus. I disputed this account with XXXX, and although the dispute was marked as approved, the account continues to report conflicting and inconsistent information across my credit reports. The same account is reporting different balances with different credit bureau...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
XXXXit shows the money lion account was opened on XXXX. money was sent to XXXX XXXX XXXX which I had not had XXXX XXXX XXXX acct in 15 to 20 yrs before. Money Lion could not confirm the 3 emails I have only had all my life, it was completely different information and would not give me the email they had or account number.XXXXI have called multiple companies :XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed th...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
This account is on my credit report. I did not open it. It is there along with other. I have been hacked. Along with my credit they have gotten some personal information along with my drivers license.
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
I am submitting this complaint regarding Upgrade and its continued reporting of a disputed account that I have challenged as the result of identity theft, unauthorized activity, and/or fraud. I previously notified the consumer reporting agencies that this account was not authorized by me and submitted disputes challenging the accuracy and ownership of the account. I also provided an FTC Identity Theft Report and supp...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
XX/XX/XXXX -THE CREDITOR HAD TO AGREED TO UPDATE THE PAYMENTS RECEIVED AND THE BALANCE ON XX/XX/XXXX. BUT DID NOT. THE BALANCES ARE INCORRECT, MISSING 3 PAYMENTS OUT OF FIVE. THE BALANCE BEING REPORTED IS INCORRECT AS OF XX/XX/XXXX. WHICH HAS CAUSED MY CREDIT SCORE TO DROP OVER XXXX XXXX FOR THE PAST 5 MONTHS.PREVENTING ME FROM OBTAINING ANY NEW CREDIT DUE TO THE LOW BALANCE OF CREDIT AVIALABLE. ON XX/XX/XXXX - I SPO...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
Balance of {$4600.00} to Upgrade being reported on my Credit Report from XXXX. Account number is XXXX. It is being listed as a charge off on my credit report. I have sent a certified letter to Upgrade and it was signed for XX/XX/XXXX. I have requested a XXXX as this should ot be reported. No response from Upgrade.
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
I am a victim of severe identity theft, and an unauthorized account was opened in my name through Self Financial, which is backed by XXXX XXXX, without my knowledge or consent. I have formally disputed this fraudulent account three separate times, explicitly informing them of the identity theft and uploading my official Federal Trade Commission ( FTC ) Identity Theft Report as ironclad evidence. Despite receiving cle...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
In XX/XX/year> and again in XX/XX/year>, I applied for a personal loan through OneMain Financial. During both applications, I indicated that I did not own a vehicle when asked about vehicle ownership, as I was applying specifically for a personal loan. Despite this, both applications resulted in approvals for vehicle loans, which I am unable to accept because I do not own a vehicle and did not apply for vehicle finan...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
My payment for XXXX is being reported as 30 days late. It is 3 days late. It is reporting inaccurate information. According to the fair credit act it has to be reported accurately it is not.The amount owed is incorrect its less than being reported
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
Subject : Complaint Regarding Inaccurate Credit Reporting by Affirm , Inc. and XXXX To the Consumer Financial Protection Bureau, I am filing a complaint regarding inaccurate, incomplete, and conflicting information being reported by Affirm , Inc. to XXXX which is harming my credit profile. Despite previous disputes, XXXX continues to report incorrect information that does not match the payment and balance histories s...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
Affirm says I filed bankruptcy. XXXX XXXX. This information is inaccurate. I have paid affirm for all orders closed. No other companies report a bankruptcy. I have asked this company 4 times now to request to have this removed before reporting. This date is XXXX XXXX
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
I am filing this high-priority regulatory complaint against SELF XXXX XXXX XXXX XXXX data-integrity, internal system contradictions, and stale reporting violations under 15 U.S.C. 1681s-2 [ 15 U.S.C. 1681s-2 ]. A real-time forensic audit of my credit report data tapes reveals that Self Financial is broadcasting a highly contradictory, damaging historical row under my identity parameters. Your live production tape for...
Payday loan, title loan, personal loan, or advance loan
Incorrect information on your report
I had payed off an instant loan through Chime bank on XX/XX/XXXX of this year. I called chime in late XXXX to ask for a charge off letter or something stating that the loan was paid off and was told they dont have an email to send a letter too and they dont do that. And my credit report shows its not been paid and is XXXX months delinquent
Checking or savings account
Incorrect information on your report
I am submitting this complaint regarding the continued reporting of my past account history by FourLeaf Federal Credit Union to XXXX and/or XXXX XXXX XXXX . I acknowledge that the account was opened by me and that the negative balance associated with the account has already been fully paid and resolved. Since resolving the balance, I have taken steps to restore my financial standing and maintain responsible banking b...
Checking or savings account
Incorrect information on your report
After numerous times I tried paying my debt via phone ... because they had an update to their system..... I paid {$720.00} several days ago. I tried to open a checking account with another bank. However, according to XXXX ...... my amount is still pending. So I'm not able to open another account with another bank. I physically drove XXXX minutes to a Truist branch where I spoke with the branch XXXX to which she told ...
Checking or savings account
Incorrect information on your report
Navy Federal Credit Union has several accounts on the three credit bureaus. On XXXX that have one two accounts that I am XXXX with caused one credit card company to close my account when I applied for an additional card. Navy Federal Credit Unions solution is to have a very XXXX person with no income to visit one of the branch offices to start a very lengthy investigation that I am not XXXX and that I did not open ac...
Checking or savings account
Incorrect information on your report
With Huntington Banks, we have a line of credit on our home. If the line of credit balance got down under {$10.00}, they would not do an automatic payment like I had set up. Each month they would send me emails about this line of credit telling me I could go to the app to see how its doing or I could log into a statement which the link never worked. The problem happened when the logarithm that they use will not take ...
Checking or savings account
Incorrect information on your report
My cousin and I did some work for a guy when I just moved here and he stated he wanted to pay us XXXX account so I provided him with my account details and he stated that he will pay me more than what he owed me and I then withdraw the balance for him, I had no problem doing that, after Idid the withdrawal and few days pass I see my account in negative and then being closed, Im completely unaware of this activity and...
Checking or savings account
Incorrect information on your report
Date : XX/XX/year> Citi XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Re : Identity Theft Claim Demand for Deletion and Compliance Reference Number : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to your letter dated XX/XX/year> regarding the identity theft claim opened on my behalf. XX/XX/XXXX, I acknowledge your confirmation that an identity theft investigation has been initiated. However...
Checking or savings account
Incorrect information on your report
Company Name : VyStar Credit Union Product : Checking joint Account Issue : Incorrect information on account / Identity information incorrect Complaint Description I am filing a complaint against VyStar Credit Union regarding a serious and incorrect classification of my personal status as deceased. On or about [ insert date ], I was informed by VyStar representatives at a branch and through customer service that thei...
Checking or savings account
Incorrect information on your report
* * Product : * * Checking or savings account * * Issue : * * Incorrect information on report * * Company : * * XXXX , Inc. / Bank of America * * Complaint : * * I am submitting a formal complaint regarding inaccurate, incomplete, and unverifiable information being reported on my XXXX XXXX file. The account in question is reported by Bank of America with the following details : * Account Number : XXXX * Reported Date...
Checking or savings account
Incorrect information on your report
My Chime account was closed by the institution on XX/XX/26. Since the closure, Chime has reported a negative balance/delinquency to the credit bureaus. I have contacted Chime customer service several times XXXX to resolve this balance. However, front-line representatives repeatedly state, " Your account is closed and we can not help you, '' and refuse to provide a method for payment or an itemized validation of the d...
Checking or savings account
Incorrect information on your report
I am filing a complaint against Truist Bank for wrongful account closure, false reporting to XXXX, and potential discrimination based on national origin. FACTS : 1. I have been a legal resident in the US for over 3 years with a valid work permit ( EAD ) pending asylum and adjustment of status. 2. In [ XXXX, XXXX ], a Truist representative offered me a credit card. After approval, my checking account was suddenly froz...
Checking or savings account
Incorrect information on your report
I am filing a new complaint because new evidence has emerged showing that US Bank is providing contradictory and inaccurate information to consumer reporting agencies. US Bank furnished a derogatory account abuse/unpaid record to both XXXX XXXX XXXX XXXX XXXX XXXX and ChexSystems. I disputed the information with both agencies. XXXX deleted the US Bank record after the bank failed to verify the information. I have the...
Checking or savings account
Incorrect information on your report
Company reported inaccurate account activity attributable to me regarding a joint account. Contacting the institution is impossible. The published phone number for Consumer Bureau Dispute Handling lands at the lowest level of customer service. Agents from there forwarded my calls to a half dozen different destinations over a dozen call attempts. Finally, a representative from the Fraud and Dispute team provided a mai...
Checking or savings account
Incorrect information on your report
I never opened a Santander bank account.. I even went to Santander bank & they said they couldnt find no accounts but its hurt my XXXX I cant open no accounts anywhere.. Santander bank
Checking or savings account
Incorrect information on your report
I am disputing inaccurate credit reporting. This account is being reported as a line of credit with severe delinquencies ; however, it was a credit builder/deposit product and is not accurately reported. This account was previously disputed and verified without proper documentation being provided as required under the FCRA. I request complete verification of account type, payment history, and reporting accuracy. If t...