Issue
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Incorrect information on credit report
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They will not respond to any of my disputes.
XXXX XXXX XXXX is on there twice. This is a duplicate listing. Not only that, but it was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. It can only be on there once for the same bill, not twice. And, it needs to show as a {$0.00} balance since it was included in a bankruptcy and discharged.
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Incorrect information on your report
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XXXX XXXX XXXX XXXX Account Number XXXX account was never late 30, 60, 90 or 120 days or beyond.
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Loan modification,collection,foreclosure
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Nationastar Mortgage has taken over our home loan as servicer and agreed to do a deed in lieu instead of a foreclosure. Now we are getting the run around after XXXX months of trying to finalize the process, this is still impacting my credit on a monthly basis. No one will give us a direct answer on the status and it is always the same thing that is it is being processed for XXXX months.
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Dealing with my lender or servicer
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Navient called me at work. Informed the representative not to call me at work and the next day they called to speak to my manager about my debt so he could leave a message for me. He said I would be in later and she stated she wanted to make sure he would leave me a message so she did n't have to call back later.
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Billing disputes
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I was shocked when I reviewed my credit report and found late payment on the dates below : 150 days past due as of XXXX 2012 120 days past due as of XXXX 2012 90 days past due as of XXXX 2012 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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Credit line increase/decrease
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At age of XXXX in XX/XX/2004 i opened up credit card account with capital one. Up untill this last year they have been " updating my credit limit '' in order to keep dinging my credit. Im new to understanding my credit score but i do now know that was illegal and horrible for my credit.
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Rewards
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CitiBank closed my Double Cash Credit Card account # XXXX XX/XX/2016 without explanation and refused to respond to my inquires. At the time of account closure, I accumulated {$200.00} in cash back rewards which I can not redeem anymore give my account status. I would like CitiBank to send me a check for the {$200.00} in unredeemed rewards.
Thanks, XXXX XXXX
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Disclosure verification of debt
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I have sent numerous letters by certified mail to this company requesting validation of this debt. They have ignored every single one of them. I have never received a response to date with any of the information I requested in my correspondence. It is my right to have this debt validated snd they refuse
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Communication tactics
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I received a call from Ashton and Weingberg XXXX and XXXX after having advised them to no longer call me unless they provide written verification of the debt they allege I owe. They have provided no verification and are still calling as of today.
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Incorrect information on your report
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I am writing to dispute XXXX XXXX XXXX XXXX on credit report number XXXX . The balance listed on the account is incorrect. Please delete the account.
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Incorrect information on your report
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I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....
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Making/receiving payments, sending money
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Sent my savings via US bank for a purchase overseas. The money never arrived thus could not make the purchase. Went back to ask for the money and have been for the last five weeks to no avail. Will appreciate help just getting my money back. They can keep the charges
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Improper contact or sharing of info
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Caller says company name and who and why they are calling when calling a co-worker at place of employment. Asked repeatedly not to call at work. Blocked number from our end. Company continues to call using numbers associated with other companies. Privacy laws of all sorts including harrasement from company who calls over and over all day to both home and work. Threats that if we hang up she will make my life " XXXX ''.
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Attempts to collect debt not owed
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I do not have any contractual obligations to this debt collector, once a debt is written / charged off, that debt becomes paid and contract is good. I have absolutely no obligation with them.
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Taking/threatening an illegal action
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Both Jefferson Capital and XXXX have been calling me on my cell phone continuously since XX/XX/XXXX about a medical debt that I incurred XX/XX/XXXX 0r XX/XX/XXXX. I have an old bill from XX/XX/XXXX. I was in financial distress because of the recession and things have happened since to make it worse. I believe that the statute of limitations has expired to collect this debt. The debt was charged off on my credit report. What should I do to stop them.
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Incorrect information on credit report
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I have a child support agreement that was set up by our attorneys. I have never been late on it yet the agency is reporting that it has been late twice. I have asked them several times to fix it but they wont. This has gone on for many months without an answer. I thought they were supposed to respond within 30 days or remove the issue.
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Problem with a credit reporting company's investigation into an existing problem
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XXXX XXXX ,2015- XXXX - I call XXXX XXXX XXXX XXXX and they will try to removed this off my credit report because it 's pas t 7 years old. n o change on my credit report.
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Problem with a credit reporting company's investigation into an existing problem
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On XXXX XXXX, I mailed in a letter requesting a credit investigation. Its now XXXX XXXX, and I have not yet received a response.
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Incorrect information on your report
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There are many mistakes appear in my report without my understanding.
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Taking out the loan or lease
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The said company did not disclose to me the legality of its practices and the legality of its interest paid on a loan. In the state of NJ this loan is illegal and violates state usury laws. This institution is unable to make a loan without a license in the state of NJ. I was not aware that this loan was illegal and I 'm concerned my personal information as its in the hands of such a company performing illegal banking practices.
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Communication tactics
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I am receiving more than one attempt to collect the debt per day up to four calls a day, including Sunday 's.
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Communication tactics
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On XX/XX/2017 we received a call from XXXX in reference to XXXX XXXX asking for a call back to XXXX I have asked several times for them to stop calling as we have no person by this name working here
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Communication tactics
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They call me ( from A LOT of different numbers EVERY day ) every day. E V E R Y day. I owe no one anything. I had my accountant ( a few years back XXXX help me fix all of my debt problems and now have a credit score of XXXX ... who ARE these jerks???
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Incorrect information on credit report
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XXXX has listed an inquiry on my credit report on XXXX XXXX 2015 that was initiated from XXXX XXXX Apartments in XXXX, Virginia. I did not authorize this inquiry and would like it removed. I called XXXX but XXXX at XXXX refused to remove the inquiry, stating that only XXXX XXXX can do so. I had to sue XXXX XXXX for illegal actions and prevailed. I would like this inquiry removed.
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Communication tactics
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This collection company keep reporting the same debt owed as a new collection every week on my credit report. Every week I receive a notification that this company has flagged my credit report with this same debt.
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Improper use of your report
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XXXX RAN MY CREDIT 3 TIMES IN ERROR, XXXX AND EXPERIAN IN ERROR, AUTHORIZED SOFT ONLY.
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Can't repay my loan
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Not willing to work with me to reduced my monthly payment. I pay over {$600.00} a month. Most of which goes directly to interest not the principle. only a few dollars each month is applied to principle. My interest rates are outrageous and variable.
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Problem with customer service
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My situation with Southern Management is they put a debt in my credit and I explain the situation yo several times that somebody deft my identify including my taxes but I do n't know why they insist to continue with this.
Appreciate everything to can do for help me with this particular Many Thanks
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Problem with customer service
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I filed a complaint ( XXXX ) that was not addressed by the company to my satisfaction. The company withheld access to my funds f or 7 business days costing me {$120.00} in interest expenses. When the initial deposit was made the teller stated that ther e MAY BE a 2 day hold. They held it for 7 days.
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Credit monitoring or identity protection
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Received free credit report from Transunion XXXX. Paid {$1.00} by credit card to get XXXX score. They took credit card and began billing me for credit monitoring which I had not requested. Very difficult to cancel program with no refund.
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False statements or representation
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I have tried to cimunicar with the accrediting agency and they do not answer me. I 've never had accounts with this bank. Do not let me have opportunities with other banks
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Incorrect information on credit report
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After reporting a XXXX score increase to XXXX on XXXX/XXXX/2016, TransUnion has used erroneous information to lower my credit score from XXXX to XXXX as per XXXX XXXX and XXXX XXXX. Claims that XXXX XXXX reported that I exceeded my account by {$1.00} or more dollars on XXXX/XXXX/2016 and subsequently XXXX XXXX under the same circumstances on XXXX/XXXX/2016 ( screen prints attached ). Both accounts have been closed and charged off for nearly 7 years.
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Account opening, closing, or management
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WOULD NOT OPEN A ACCOUNT NEED TO KNOW REASON
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Disclosure verification of debt
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No bills were sent to my home and no one contacted me about any payments to be made. Even the collection agency never contacted me. I realized I had a payment due when I pulled my credit report.
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Incorrect information on credit report
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Someone is in my account
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Problem with a credit reporting company's investigation into an existing problem
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TransUnion removed all of my inquiry 's and put them back without notifying me about this. I called TransUnion and was told that they did n't have a glitch XXXX XXXX had a glitch. Hung up the phone called back and talked to someone else and was told they had a glitch. I was hoping TransUnion would take responsibility for there mistake but they did n't.
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Incorrect information on credit report
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There are XXXX accounts that show up on my Equifax credit report. The account numbers are XXXX and XXXX. These accounts are not mine and need to be removed immediately. The 7 year FCRA statute of limitations ahs apssed for these XXXX accounts and they need to be deleted.
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Attempts to collect debt not owed
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ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to me.
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Application, originator, mortgage broker
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My loan has many, many mistakes from predatory lending when I did not qualify. I 've been told from many real estate Lawyers to file a complaint. I 'm XXXX and on SSI and been in my condo for 28 years. Also I had a research company run my loan and found over XXXX discrepancies,,, help me please. Wells Fargo say it 's fine.I WANT TO KEEP, MY CONDO, THANKS
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Disclosure verification of debt
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I am disputing account number XXXX ( Balance {$160.00} ) with American Capital Enterprises because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted American Capital Enterprises to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
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Incorrect information on your report
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Nelnet has consistently been a problem. Nelnet XXXX XXXX & XXXX has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.
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Cont'd attempts collect debt not owed
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I have sent XXXX certified letters to Rash Curtis and Associates to have a fraudulent collection account removed from my credit and they continue to ignore but they are apparently responding to the credit bureaus advising them that the account belongs to me- it does n't!!!
Originally they were reporting XXXX unknown accounts then they were removed and all of a sudden a new account appears with a different account number # XXXX
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Loan modification,collection,foreclosure
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CitiMortgage consistently gave incorrect information regarding the loan modification process. Each representative gave different information. I talked to XXXX. They also discouraged me from updating financial information and tried to discourage me from appealing and from reapplying for a modification
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Incorrect information on credit report
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I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
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Cont'd attempts collect debt not owed
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I found a {$3000.00} collection notice on my credit report, but it is not mine as I have never had a XXXX account. I notified Amsher on XXXX XXXX, 2016 through their website, but I did not receive a response.
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Incorrect information on credit report
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I had a tax lien that came off my report and reappeared back unto my credit report but it should be deleted.
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Credit monitoring or identity protection
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I have several inquires from companies on my credit report. They never contacted me or I never knew about these companies. There is also an employer listed that I did not know still exist.
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Problem with fraud alerts or security freezes
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Equifax left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of Equifax 's negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.
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Problem with a credit reporting company's investigation into an existing problem
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They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt
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Unable to get your credit report or credit score
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World Omni Financial Corp submitted Form XXXX Cancellation of Debt to IRS on XX/XX/2014 but has not cleared the public records of collection, resulting a damage of my credit score since 2014 to now.
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Improper use of your report
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On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).
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Application processing delay
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TO REBUILD MY CREDIT PROFILE. I APPLIED TO CAPITAL ONE CREDIT. APPROVED FOR THIS CARD BUT COMPANY REFUSED TO ACTIVATE THIS CARD. THIS COMPANY INSIST I AM NOT WHO I AM. I HAVE COOPORATED. BUT TO NO AVAIL. SO I SIMPLYH WANT TO CANCEL MY APP. BUT THIS COMPANY WANTS TO CHARGE ME AN ONGOING MEMBERSHIP FEE. I JUST WANT THIS COMPANY OUT OF MY LIFE. PLEASE HELP
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Loan servicing, payments, escrow account
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My mortgage company has not paid my Real Estate Taxes out of my escrow after stating it would be paid. My tax bill is now past due and I can not get any response or help from them. THe bank is Citizens One
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Incorrect information on credit report
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I DISPUTE THE DEBT REPORTED BY XXXX XXXX THIS CHARGE IS RELATED TO A MODEM THEY MAILED TO ME AROUND XXXX OR XXXX 2010. I RETURNED THE PACKAGE TO THEM WITHOUT OPENING THE BOX AND THEY RECEIVED IT. HOWEVER, THEY SAID I HAD TO PAY {$190.00} DEPOSIT BECAUSE IT WAS RETURNED MORE THAN 30 DAYS AFTER DELIVERED, I WAS IN TREATMENT XXXX WHEN BOX WAS DELIVERED, AND I RETURNED IT UNOPENED AS SOON AS I WAS ABLE.
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Improper use of your report
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on the XX/XX/XXXX jcpenney a hard inquire on the XX/XX/XXXX XXXX XXXX hard inquiry on the XX/XX/XXXX XXXX those are hard inquires from my XXXX i did not authorize i lost my wallet and all my personal information was in there and someone used my info.
same with origententant i guess someone tried to apply for an apartment in my its also on my XXXX and XXXX
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Communication tactics
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They have repeatedly harassed and called multiple times per day to obtain payment.
They would call me and the other borrower on the loan multiple times a day.
Then marked the loan payment late.
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Unable to get your credit report or credit score
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Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX.
Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.
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Incorrect information on credit report
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a legal item is on my Transunion credit report, it is my father 's we have same name but of course not the same ssn
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Identity theft / Fraud / Embezzlement
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My credit card company called me.in XXXX 2015 to report a fraud alert. I confirmed the fraud purchases totalling {$600.00}, yet they never took the fraudulent purchases off my statement and continued to charge me interest after I disputed the charges. I have written to them 3 times and never received a response. Ive emailed them requesting written responses and they say my only option is to call them ( which would leave no documentation ).
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Written notification about debt
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I call this company too ask about was my collection about after I see my XXXX XXXX score and notifications from them and they told me they call number off time when never happened and they said they send me mail to my address when I never get anyone from them
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Delinquent account
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Account does not belong to me, I do not recognize this account at all, needs to be deleted
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Account opening, closing, or management
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I signed up for a promotional offer from Citibank. I was to get XXXX XXXX XXXX miles after signing up for a new Citigold account and meeting various criteria. I confirmed with a Citi customer service representative that I was enrolled in the promotion and fulfilled the requirements. However, after waiting months for the reward miles, I contacted a Citi customer service representative again and was told that Citi was not going to honor its promotional offer.
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Communication tactics
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I am currently working with a third-party credit repair agency, XXXX XXXX XXXX , by which have any and all phone numbers listed to Portfolio Recovery have been added to a do not call list and any phone calls to me while I am working with XXXX puts them in violation.
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Struggling to pay mortgage
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We are still working on this! They want so much paper work Trying to do all we can to save our home, We have son with a serious drug problem that has us in and out Courts hospitals rehabs its been non stop we do lose work time and insurance does not cover a lot of this care when you become XXXX!! Its been very hectic with his XXXX XXXX. sorry for venting but I need too sorry. XXXX XXXX.
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Improper use of my credit report
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I have credit inquiries on my Equifax report that were previously removed from my XXXX report and now have appeared on my Equifax again that I did not authorize. I would like them to be removed permanently as soon as possible to reflect the same.
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Disclosure verification of debt
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Cavalry has played hide the evidence for far too long. They send only ONE statement ( which is NOT a full accounting from the original creditor ) without proving they own the debt ( except to say they bought XXXX in debts which is not proof they own this debt ). AND they appear to be trying to collect interest without accounting for the interest XXXX a supplying a contract that agrees to interest. I 've told them this and they have ignored me.
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Credit determination
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30 days past.response not received.
Please removed hard inquires my credit file.
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report
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Unable to get credit report/credit score
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Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for two years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
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Cont'd attempts collect debt not owed
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This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.
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Other fee
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Only one payment behind and called numerous times daily. When asked to wave late fee, reply is that it is credited on the end of the balance. ( not helping me to catch up the late payment now ).
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Incorrect information on your report
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I went to get a car loan and Transunion is still showing my mortgage is delinquent when it is actually current, but since this is the only company the car loan people had access to, they could n't accept any other company 's reports.
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Communication tactics
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phone number XXXX called twice within a hour. I would like apology from that and a fine.
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Incorrect information on your report
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Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my XXXX XXXX. I had XXXX XXXX XXXX, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.
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Incorrect information on credit report
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i disputed inquiries with Transuion to remove my inquires. they never gotten back to me. i never applied for these inquires. They do not belong to me. I Called Transuion several times regarding these inquires. I keep getting transferred, and they both will not provide me with any confirmation numbers. i 'm really hope you can do this investigation to help me dispute these inquiries on my report! thanks!
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Getting a credit card
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I received an approved offer of credit from a XXXX ( Bank of America ) credit card. I provided the required information and I have a XXXX credit score with XXXX Credit Reporting Bureau.
Therefore I believe that this denial credit is based on my age and Nationality and is discriminatory. Since I am an American Citizen and also XXXX. XXXX has had trouble with credit worthlessness and I am being discriminated on the basis that I am of XXXX origin.
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Struggling to pay your loan
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Explained to company going through divorce and did not have enough money to pay remaing XXXX dollars and asked if company could pick up vehicle XX/XX/2018 instead company has repeatedly called my employer when asked to stop because my job uses phones and can not have lines tied up all day with creditor
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Cont'd attempts collect debt not owed
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I am a victim of identity theft and noticed a collection from Enhanced Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Enhanced Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
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Incorrect information on credit report
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My correct address is XXXX. XXXX XXXX, XXXX, WI XXXX. The incorrect address on my credit report that should be removed is XXXX. XXXX XXXX, XXXX, WI XXXX.
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Cont'd attempts collect debt not owed
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AR RESOURCES INC.has XXXX collections reporting on my XXXX and XXXX reports.XXXX has removed.they are account XXXX in the amount of {$120.00} and XXXX in the amount of $ XXXX.The original creditor is XXXX and the duplicate collection is for a single service/bill So AR RESOURCES has double billed with a single digit account difference and a XXXX dollar fee difference and is verifying false information 3 times, according to XXXX.
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Incorrect information on credit report
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I am asking for a copy of the proceedings from your local court. If they can produce records that you filed for bankruptcy, If they can not find a match, ask them to issue an order to have the filing removed from your report.
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Cont'd attempts collect debt not owed
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I cancelled services within the XXXX day period and was not soppose to be charged a cancellation fee at all.
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Incorrect information on your report
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Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but Bank Of America, but the account was closed per BOA before because of BOA allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,
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Incorrect information on your report
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XXXX XXXX XXXX is reporting my XX/XX/2017 bill as 30 days late, however, the payment was not late. The bill was due on XX/XX/17 and was paid on XX/XX/17, which is 12 days. XXXX XXXX and Experian refuse to correct the issue.
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Credit reporting company's investigation
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I sent a certified letter to TransUnion asking to validate the debt from my student loan. They have yet to respond to my request electronically or by mail.
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Taking out the loan or lease
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I believe this lender is discriminating on the basis of the source of my income as a government employee, and discriminating on the basis of having previously been a bankrupt borrower more than three years ago.
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Unable to get credit report/credit score
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Due to receiving adverse action, I requested a credit report via XXXX mail from Equifax in XX/XX/2015. I never heard a response from the company or received my report in the mail.
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Loan servicing, payments, escrow account
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I love how my escrow is run now before the first of the year for 20 years they ran my escrow on XXXX now banks want there money Sooner it 's hard to believe that it 's anything positive for customer to get a bill in XXXX for something due on XXXX XXXX over the holidays besides I asked them to rerun my escrow for XXXX and they still raised my house payment what a joke how did this happen. What changed to fleece us again from banks
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Dealing with your lender or servicer
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I was told that nelnet had my student loan and my loans had gone into collections. I called telnet and they told me that they had no knowledge nor info on my account, and that it was referred to a dept collection agency and l now owe the collection agency and l would like to know how do l owe them anything?
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Incorrect information on credit report
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I have a judgement on my trans union and XXXX account and I have stayed with my parents since XX/XX/2010.
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Incorrect information on credit report
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Per my TransUnion letter dated XXXX/XXXX/2015, XXXX XXXX XXXX account # XXXX was deleted off my credit file. I pulled a new credit report on XXXX/XXXX/2015 and the XXXX XXXX is still being reported by TransUnion and affecting my scores negatively. This account has been closed and paid.
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Struggling to repay your loan
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When I graduated in 2007 I had 6 months to start paying on loans. After that period I was trying to consolidate my loans but was told I was unable to consolidate. Making my monthly payment just outrageous and un-affordable. This hurt me through credit, and hardship
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Payoff process
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Chase Account # XXXX. Owed XXXX-made arrangement for 60 monthsXXXXXXXX a month.in XXXX 2011. They have charged 6 % interest.
I have paid XXXX on principle, XXXX on fees and XXXX on interest. Total of XXXX.
I made payment arrangement due to harassing calls and threat of court action in 2011.
I have paid XXXX on principle and feel I only owe XXXX26 months.
I f i pay for 60 months the total will be XXXX have access to all the statements.
Thank you
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Incorrect information on your report
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Upon checking my credit report I noticed this unauthorized fraudulent account from Discover Card. I never authorized to open a discover card, as I have never owned a card from this establishment nonwhatosver period
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Attempts to collect debt not owed
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the was received on X/XX/2017.
I am disputing this amount in FULL.
remove my name and alleged debt from your files. it was already addressed and resolved in previous years. thank you. XXXX XXXX XXXX attached document.
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Communication tactics
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My wife 's debt is in collection, but they call me ( husband ). XXXX time they called I asked for a letter of verfication of debt. The person started explaining about how credit will affect buying a car or a house. I insisted on them sending me a verification of debt letter. They have our mailing address, but continue calling me. We have not received anything from them " Portfolio Recovery Associates ''
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Communication tactics
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X/XX/18 XXXX XXXX XXXX XXXX XXXX-I responded and was hung up on XXXX XXXX No message was left however I received these calls all within one day. I understand that there is financial responsibility however 6 calls completely unnecessary. These calls took place during hours of work and have cause disciplinary action on my employers behalf.
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Improper use of your report
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The following were removed previous from Equifax. I previous contacted the creditor on removing the inquiry. They reported that they sent letters to remove XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX
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Dealing with my lender or servicer
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Sallie Mae did not send my XXXX statement. They sent a letter stating that i paid {$3900.00} and {$11000.00} in eligible interest but the letter was to my co-signer and it says that the borrower has to obtain a copy of the XXXX but I the borrower was not able to log in to the website to print it because i am no longer a customer and she stated that i did not pay any interest off and that the loan was simply paid off.
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Improper use of your report
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XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Hard inquiry. Never was there- fraud
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Incorrect information on credit report
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I sent in a police report, Identity Theft Report and proof of my identity, name, address, and Social Security number. Explained which information on my report came from identity theft. And instead of blocking the items, they put them in dispute. When I called in a lady in their fraud department said it is up to the creditors to remove the data, not Transunion which is not true at all!!!
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