Issue
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Cont'd attempts collect debt not owed
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People keep calling from all different numbers from a company called " NP Group '' telling me that I owe money from 2010. I never took a loan out online. The guy ( XXXX ) called and said I took money out from an online source, XXXX XXXX. XXXX XXXX also has several lawsuits against them for not following the XXXX guidelines.
NP Group is actually known as National Principal Group , LLC. This company is also known as XXXX. FAKES!
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Incorrect information on credit report
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Equifax still shows that I have defaulted on my federal student loans when, in fact, all of my federal student loans have been successfully consolidated with XXXX. I have documents that can prove that, as well.
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Dealing with my lender or servicer
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Was never informed of XXXX loans going into repayment status and was told my representative that issue was going to be resolved. Never was now fighting to get off credit report because loans were transferred to another association.
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Charged fees or interest I didn't expect
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XXXX XXXX in interest so far just got in trouble with too many payday loans and now almost all my check is going to pay these things off I can no longer pay these fees and interest any longer and have told them not to call my employer but they do HELP!!!!!! these companys need to stop doing business in massachusetts
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Written notification about debt
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XXXX XXXX XXXX claims I owe {$760.00} I dont know consumer never taken or borrowed money from consumer
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Incorrect information on your report
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XXXX , XXXX and Equifax the XXXX credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer fi le. ( XXXX XXXX XXXX ). This in violation of Fair Credit Reporting Act. If said information is not removed then monetary damages will be pursued under Sectio n 616 and Section 617.
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Incorrect information on your report
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An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act
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Opening an account
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Bmo Harris advertised a XXXX bonus if I opened an online account and set up a direct deposit. I met those terms on my account that was opened on XXXX XXXX, 2017. I never received the {$200.00}. When I called an associate who only identified herself as XXXX said I did n't meet the terms and there is nothing she could do.
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False statements or representation
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Asst Acceptance LLC purchased my credit card debt from the XXXX XXXX XXXX XXXX. I filed bankruptcy and XXXX purchased the debt. They refused to correspond with me to send statements that the money I paid them was being applied to the debt. They also charged interest and refused to credit the payments to the debt.
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Deposits and withdrawals
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BBVA Compass Bank received a substantial deposit from us on XX/XX/2016. As customary, they released a very small amount immediately, then a larger amount 2 days later and the balance ( majority of check ) was to be released XX/XX/2016. The first and second amounts have been allocated to us but now they are not releasing the majority as promised. Mind you, this is not a fraudulent or bogus check. It was from one of the top XXXX companies in the world.
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Communication tactics
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They call constantly, but will not leave a message confirming which debt I owe.
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Delinquent account
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I received a denial for credit due to " poor credit performance with a Wells Fargo credit card ''
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Getting a loan
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I attended XXXX which is located in XXXX, i was told i would find a job easily after graduation but the reality is that career representatives will push job leads requiring 4 to 6 years experience so i would wonder why??? The curriculum was out of order. Some classmates were denied education due to late payments. So now i have a minimum wage job to get me by in life while i have to pay student loans for an education that im not using.
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Cont'd attempts collect debt not owed
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THIS ACCOUNT DOES NOT BELONG TO ME. I TOOK OWNERSHIP OF MY LEASED PROPERTY IN XXXX XXXX AND SIGNED CONTRACT FOR UTILITIES WITH XXXX UNTIL XXXX XXXX WHEN I COMMENCED SERVICE WITH XXXX FOR INTERNET AND CABLE PACKAGE. I HAVE HAD A XXXX ACCOUNT SINCE XXXX OR BETWEEN XXXX AND XXXX.
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Problem with a credit reporting company's investigation into an existing problem
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I submitted documentation to remove invalid hard pulls off of my credit report and was denied any corrections.
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Improper use of your report
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I have multiple dates of inquires. Almost daily. I put fraud and security alerts buy my credit is still being ran almost daily. Also, A deleted account for {$2500.00} for XXXX reappeared even after the first dispute, they could n't verify the debt and it was deleted.now it reappeared thru same collection agency even tho they did n't verify debt in 30 days as stated in FCRA.
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Incorrect information on your report
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Inquiries added to my report that I did not authorize
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Credit reporting company's investigation
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I do n't believe the company investigated the validity of this dept and its connection to me.
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Problem with a credit reporting company's investigation into an existing problem
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XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , MD. XXXX.
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Account opening, closing, or management
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I have a issue where Bb & t has withheld funds since XXXX 2015. My account was abrubtly closed without given me a reason with $ XXXX in the account. Ive attempted to resolve this numerous times in the branch that I opened the account and no one can tell me anything.
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Incorrect information on your report
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XXXX attempted to process tge repurchase of my loan which they sent to Navient as a default accidently. Navient refuses to process this even being made aware that an error occured.
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Loan modification,collection,foreclosure
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I requested complete verification of my Mortgage the transfers the title information and I have not received any of the information. I dont receive Monthly statements, I have no idea as to how the current balance became what it is and none of my questions are ever answered. I sent in pre approved Modification papers to Seterus and XXXX and have received nothing back no funds were accepted.
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Cont'd attempts collect debt not owed
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My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.
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Confusing or missing disclosures
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I tried to get into my account and I miskeyed my duo authenticator. When I tried to enter the correct number, my account was immediately disabled. It 's been two weeks and I have yet to receive a meaningful reply from the company ( Coinbase ). I want to regain access to my account as I have money locked inside it. Case XXXX
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Loan servicing, payments, escrow account
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Mortgage company unfairly and with intent withholding our escrow overage due to us since XXXX 2016 escrow analysis.
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Charged fees or interest you didn't expect
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I had already had a loan with company and only owed them XXXX on the loan, and needed more money. so I called in for XXXX and told them I wanted on separate account, but they did not. They refinance the same account and now I owe them XXXX, which is not right, because I did n't borrow nearly that much.
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Incorrect information on your report
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XXXX . XXXX account that went to collection. I was getting a divorce and my wife did not pay the bill. I would like this removed from my credit report out of good will. XXXX . I paid the bill XXXX / XXXX / XXXX .
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Struggling to repay your loan
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To be given restitution or loan forgiveness for over charged interest rates to charge to me attending XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX on campus in XXXX, Texas and online in XXXX XXXX IL location please help me resolve my issues with XXXX XXXX. They say I owe {$73000.00} Sincerely, XXXX XXXX, XXXX XXXX ID # XXXX at XXXX XXXX
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Improper use of my credit report
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The CRA ( XXXX ) is giving out my information to companies who I no longer have a financial relationship with such as XXXX Bank. In the past 2 years that have given out my credit history to agencies I am not familiar with and as a result my credit score is very low. The hard inquiries by lending institutions sink your score. I have not authorized my credit to be checked by these entities. It needs to stop being a practice at Trans union.
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Struggling to pay mortgage
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Champion Mortgage Insurance Dept XXXX. XXXX XXXX XXXX XXXX, TX. XXXXXX/XX/XXXX COMPANY OBTAINED INSURANCE POLICY FOR ME WITHOUT MY INSTRUCTION TO DO SO.
My condo insurance master policy covers my insurance requirements and our insurance agency faxed the insurance policy information to Champion on 3 dates last time was XXXX.
they are charging my account {$690.00} for a policy they obtained and if not paid I would be in default.
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Delinquent account
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I lost my job while in college and Old Navy closed my account with them. I have been working to take care of this debt owed once I started working. By the time I secured a job that paid enough for me to work something out, the account had been sold by another lender. I have paid this debt off with the lender and they have since removed their collection account from my credit bureau.
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Improper use of your report
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i did not request a look for any credit information about me.
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Incorrect information on your report
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The United States Bankruptcy Court does not report to the credit bureaus. Lexis Nexis does not own my bankruptcy account and therefore can not report my information to the credit bureaus. This information needs to be removed from my credit report immediately
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Communication tactics
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im behind on my payment i had personal issues going on ive written the office in regards of this matter but XXXX XXXX called my job demanding i make a payment insted of being professional about these issuse and my loan shouldnt be discussed with another loan compant in which this is confidential i think its very disrespectful calling someones job.
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Money was not available when promised
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Submitted ACH withdraw of XXXX USD from coinbase.com on XXXX XXXX, was given a receive date of XXXX XXXX. Coinbase shows the the withdraw has been completed to my bank account but funds have not been credited. Contacted my bank and they have no evidence of an ACH transfer to my account. Contacted Coinbase through email and phone with no response.
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Loan modification,collection,foreclosure
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SETERUS INC is reporting a delinquent account. XXXX XXXX on my credit profile that has exceeded the statute of limitations. The account was to be remove XXXX
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Taking/threatening an illegal action
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Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME.
I AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me.
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Disclosure verification of debt
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Calvary Portfolio, LLC does not have a surety bond and according to the Texas Code 392.101, third party debt collectors are not allowed to collect on Texas residents unless they have obtained a surety bond. This account should be removed from all XXXX credit bureau reports.
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Struggling to repay your loan
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On or about XX/XX/XXXX I filed Chapter XXXX protection listing my student loans on all paperwork. In XX/XX/XXXX the case was discharged.
I have since sent the information to several servicers who purchased the loans from XXXX XXXX. To date these are claiming that they are aware of the said Chapter XXXX despite them having full access to public records and my submitted the documentation
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Closing your account
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I have now contacted capital one 4x to close my company 's credit card account. I contacted them in XX/XX/XXXX after our balance was paid in full. I contacted them again in XX/XX/XXXX and XX/XX/XXXX after the account was still showing open. They are now charging us yearly membership fees, interest and late fees and refuse to close our account.
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This card has NOT been used since XX/XX/XXXX , balance was paid in full and we asked account to be closed.
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False statements or representation
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I received a collections letter from XXXX XXXX XXXX for a {$2000.00} debt to PayPal. I do not have a PayPal account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in XXXX but the collections letter was mailed from XXXX XXXX
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Disclosure verification of debt
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Collection agency is listed on credit report and attempting to collect a debt that is involved in the cramming class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the cramming charges.
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Attempts to collect debt not owed
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XXXX XXXX collections reported an account with the amount of {$490.00} on XXXX XXXX and XXXX XXXX of XXXX. I have never received any mail or proof of Validation nor Verification from the company before they reported this. I am requesting that they send ALL DOCUMENTATIONS THAT SHOW I HAVE A CONTRACT WITH THEIR COMPANY ( I need to see my Actual signature on these documents ) Also send me proof that they have spoken with me before reporting this account.
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Incorrect information on your report
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XXXX XXXX claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
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Loan modification,collection,foreclosure
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I submitted complaint on Wells Fargo. It seems like the only difference is Wells Fargo continues their deceptive practices right under this agencies nose. I have been sending the same documents to them for close to 5 years now, to no avail. It is obvious to me that no one is going to dig deep enough to expose their deceptive practices.
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Cont'd attempts collect debt not owed
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I cancelled internet service and returned a router to XXXX, a month later they said they did n't receive it. I mailed them the receipt from the post office showing I returned it. I called and they said they did n't receive that receipt either. I sent everything to addresses they gave me so I do n't understand how come everything got lost and I was sent to collection when I did everything the way I was supposed to.
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Incorrect information on your report
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Original debt from XX/XX/XXXX for {$310.00} to XXXX XXXX XXXX XXXX fell off my report in XX/XX/XXXX. Account was apparently bought by Contract Callers Inc and put back on my report with a delinquency date of XX/XX/XXXX and date to fall off listed as XX/XX/XXXX.
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Disclosure verification of debt
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I keep receiving a call from XXXX, A company called City Management. This guy says his name is XXXX. He claims he has a complaint against me from XXXX from some payday loan place. I asked him to send me the paper work, he is refusing. I told him to send me the paperwork or stop calling me. I hung up the phone. He called right back, and in the message he left, he was reading me my rights.
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Incorrect information on credit report
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Hunter Warfield has reinserted a collection to my XXXX credit report as of XXXX/XXXX/2017 in the amount of {$500.00} again as it has previously been disputed and removed.
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Disclosure verification of debt
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I get a medical bills on my credit report who was paid by my insurance and still showing with a balance due.Now I received harassment calls from a collection agency with treated. I do n't have any knowledge of this until received this calls.
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Improper use of your report
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XXXX XXXX and XXXX XXXX called experian and order my credit report with out authorization there both wanted f or SSI frau d and running dead people credit
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Getting a credit card
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I applied for an XXXX rewards card from Barclay bank. Was sent a letter indicating that I had to mail the following items to them : drivers licens Social Security card and current utility bill. This provides anyone with the all the pieces of information to steal my identity. IN addition if I don't send it they will deny my card..and already affected my credit rating due to the hard inquiry.
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Credit reporting company's investigation
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I have a judgment on my credit that is not mine. I disputed it with Equifax over 120 days ago. the have not responded.
I sent them a failure to respond letter and they just send the results of inquiries that never been on my credit nor disputed by me I checked the court records and they do n't have the account for me
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Managing the loan or lease
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I took out a loan through Ford Credit for my car. Unfortunately, the loan was never presented in " regular fixed payments. '' The amount due would change each month.
I would usually attempt to pay additional money each money in order to retire the balance earlier. But Ford would just deduct this extra money from the following month 's bill. Lately, they have failed to apply this extra amount at all and claim I 'm delinquent.
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Closing your account
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All my accounts were closed overnight in XXXX 2017.
Referencing my credit reports with Chase : - Never had any late payments - Active customer with more than US {$30000.00} spent in past 12 months After contacting the bank to request for an explanation, I was told the only information that could be provided was the letter sent to me ( attached ).
This action by Chase has severely impacted my credit profile.
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Disclosure verification of debt
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In XXXX 2016 I reviewed my credit report and noticed an account from Procollect , Inc that I did not recall or recognized. They claim that I owe them {$1900.00}. Therefore I sent a validation letter on XXXX XXXX, 2016 requesting additional information on the account they claim I owe them. On XXXX XXXX, 2016 I received a response from Procollect, Inc. however they did not provide payment information, actual balance and date of delinquency.
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Improper use of your report
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I called TransUnion and XXXX, and XXXX, I have inquires from places that I know I didn't apply to cause I have bad credit so it wasn't any reason for me to apply so I called them and ask them would they removed them because I am a victim of inquiry fraud.
They have not .so I'm telling everyone out there that it is some fraudulent stuff involved at these credit beureas..
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Other fee
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For several months now I have noticed on my statement from Synchrony Bank that there is no minimum payment. They increase each months payment to suit them. The card in question is Walmart and I have realized that this bank has many of the day to day cards people use. At the moment I use this card for monthly food but did not expect the monthly payment to increase for doing so. Attachments
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Unable to get credit report/credit score
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The credit reporting sites are telling me that my address and social security number do n't match up when I have tried both of my previous addresses and have only lived at XXXX places my entire life. I just turned XXXX on the XXXX of XXXX, 2015 if that helps.
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Struggling to pay your bill
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My charge card was closed due to delinquency b ack in 2016. Since then, I have been instructed by Old Navy to continue to make payments. I have advised them in the p ast, via chat, that I have fell into a financial hardship. At times, they waive the late fee, but that is not enough help. I am struggling and can only afford my rent, utilities, and food-the bare minimum. Whenever I try to call in, it is a hassle just being able to reach someone or have my call escalated.
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Improper use of your report
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I received a notification in the mail from kia motors finance and other car companies saying i was denied credit that i requested. I never requested credit from them and it is a inquiry on my credit report. I am trying to build my credit and have these inquiries removed
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Getting a credit card
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yes XXXX XXXX put in another credit card under my name ssi number XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doing fraud useing my information.
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Credit reporting company's investigation
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I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they are required by law under Section 611 ( 5 ) ( A ) of the FCRA to " promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
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Incorrect information on credit report
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HSBC has a derogatory account listed on my credit report. The account remarks state " paid after charge off to third party collections. '' I called HSBC to establish a date of deletion and they informed me that they do not have any accounts details such as account number and date of deletion. It is my understanding that they ca n't report negative information to the credit bureaus if they do not have enough information to validate the account.
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Improper use of your report
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Equifax was subject to a major breach that included 143 million American 's PII. According to their system, I was one of the individuals affected. I am now a strong target for identity theft as a result.
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Loan servicing, payments, escrow account
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My mortgage servicer is saying they wo n't accept my payment. I 'm behind but am now able to make two full monthly payments and they are saying the ca n't accept payment unless I make 4 payments.
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Credit reporting company's investigation
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XXXX has reported XXXX late payments on my credit report that are incorrect. I paid onetime every month using their online payment system. I have disputed the information accuracy with equifax and it has came back verified.I was not given the name or physical documents showing how any information was verified. I need the XXXX late payment entry that are reporting incorrectly removed.
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Incorrect information on your report
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XXXX XXXX applied a late payment to my credit in XX/XX/XXXX. It is now XX/XX/XXXX and the late payment was supposed to be removed. That was the ONLY late payment on this account. The card is still active & in good standing but they wo n't remove the late payment.
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Communication tactics
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I have had an account with the company and recently just missed a payment. They have called me on my cell phone while I was at work every hour and a half since the day first began. There has to be a limit to the amount of times they can call you in one day especially on a account that is n't even 30 days past due.
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Account opening, closing, or management
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I was trying to close my BB & T checking account but was unable to do so because there was no way to contact customer service. All phone numbers led to an automated system where I can not talk to someone to close my account.
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Cont'd attempts collect debt not owed
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I have no knowledge of said debt.
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Cont'd attempts collect debt not owed
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There are XXXX accounts reported on my credit reports from GLA Collection, one from XXXX and the other XXXX. XXXX showing " Open '' but with {$0.00} balances. The one from XXXX has been PAID but still showing " open '' The second, I do not recognize the account number nor do I owe them anything associated with this account number. I do not know why the one from XXXX is even on my credit report and showing " open '' with a {$0.00} balance.
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Other features, terms, or problems
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I had called Citibank to cancel the Payment Safeguard feature which was added onto my account without consent. I'm getting charged a lot of money each month to have this feature that I do not need. There was a refund nationwide/worldwide for {$700.00} XXXX that I received no part of. I'm very disappointed that I've been paying for this feature for over 8 years now without any consent of mine whatsoever. I feel like I should be compensated for this malpractice.
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Cont'd attempts collect debt not owed
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I have contacted Midland Funding regarding a fraudulent account reporting on my credit report that does n't belong to me. I have yet to hear back from them regarding this matter.
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Loan modification,collection,foreclosure
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I tried to modify my loan to make it more affordable but Chase would not modify my loan.
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Incorrect information on your report
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There are wrong statuses in my report, I have never paid late these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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Unable to get your credit report or credit score
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Equifax data breach has negatively affected my credit score score dropped 58 points without reason over night. I have tried multiple numbers to reach them and can not connect to a agent to resolve my issue. This information may adversely affect the mortgage loan process I am in at this time. I want equifax to adjust my file to accurately reflect my credit worthiness.
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Improper use of your report
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Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
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Improper use of your report
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I have an unauthorized credit inquiry dated XX/XX/2018 from CREDCO.
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Incorrect information on your report
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I am writing to dispute XXXX XXXX on credit report number XXXX . The balance listed on the account is incorrect. Please delete the account.
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Cont'd attempts collect debt not owed
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As you know, I have reported my identity was compromised.
Police report and Identity Theft victim 's Affidavit were filed and mailed to the banking institutions, Consumer Financial Protection Bureau and OCC.
I ask that the charges be taken out of my billing.
Please respond within the next 30 days that the charges are removed as of XXXX XXXX, 2017.
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Communication tactics
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For over 1 year Radius collections agency ( ( XXXX XXXX XXXX has been calling me trying to get me to pay for additional years subscriptions for Domain Names.I called the credit collection agency and the registrar of the domain names, XXXX and have asked them to stop at least 6 times.
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Getting a credit card
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I was denied a credit approval on XXXX/XXXX/2017 for a credit card from Citi Costco. I contacted COSTCO application department and I was told I was denied because of a 29 year old bankruptcy they have on their file. When I asked to remove the information because of age. I was told they will not remove the negative information from my file.
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Struggling to repay your loan
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I have submitted documents to consolidate all my student loans so that I wont have so many different student loan accounts. I have also submitted information on line to set up a repayment with Navient and I have never received a phone call or any thing in the mail. Also I never graduated from XXXX due to the school closing before the term of my degree.
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Incorrect information on credit report
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I SENT IN MY DISPUTE WITH EQUIFAX TO UPDATE PHONE NUMBER AND NOTIFY MY CREDITORS. THEY STILL HAVENT DONE THIS BUT MY DISPUTE SAYS IT WAS APPROVED AND LISTED IN STATUS AS COMPLETED. MY CREDITORS STILL CAN NOT VERIFY ME THROUGH MY PHONE NUMBER AND WHEN EQUIFAX UPDATED IT ON THE CONFORMATION PAGE THEY DID NOT ENTER THE AREA CODE!!!
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Incorrect information on credit report
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Hello, I just noticed on my credit report about a tax lien. I never had a tax lien. My ex-husband did not pay his taxes. I have proof from the IRS that I did not have a tax lien. I want this information removed from my credit report as soon as possible.
Thank you
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Cont'd attempts collect debt not owed
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CMRE. XXXX XXXX. {$150.00} Request : Deleted permanently from my credit report.
Status : Inaccurate account information.
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
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Getting a credit card
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JUST LIKE MY WIFE XXXX XXXX XXXX , I MYSELF APPLIED FOR BARCLAYS CARD AND WAS DENIED BECAUSE THEY ARE IN AGREEMNET WITH XXXX . IF THEY CAN NOT GET OUR ELECTRNIC SCORES THEY JUMP TO OTHER BUREAUS W/O PERMISSION. THIS IS IN VIOLATION DODD-FRANK, F.CA.C.T.A. FACT-ACT ETC. WE WILL CONTACT OUR ATTORNEYS TO FILE SUIT AGAINST BARCLAYS AND XXXX FOR THIS ONLINE APPLICATION FRAUD.
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Loan servicing, payments, escrow account
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I asked my bank BBVA COMPASS BANK for a loan modification several ti times and they just say no without allowing me to do an application or anything.
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Trouble during payment process
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The recent response to complaint # XXXX stated in the letter that a copy of note and payment history was attached. We were provided only a letter no other attachments.
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Settlement process and costs
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I purchased a home in XXXX 2004, it was a conventional ARM withno income verification or documentation, based on my good credit score.
I was not able to get a refinance and was to by the servicer of the loanthat I did not qualify for a loan modification after at first telling me that Idid. However, I was later served with foreclosure papers and have beendefending myself in court for the last 3 1/2 years against Everhome Mort.
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False statements or representation
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I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed
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Problem getting a card or closing an account
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XXXX prepaid card terminated service. They said they would send out checks with the remaining balance. I never received the check. I have called and they repeatedly tell me the check will arrive in 30 days.
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Disclosure verification of debt
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Credit Bureau Services was unable to verify an alleged debt so it has been removed from my XXXX credit report. However, Credit Bureau Services has began to report the debt under Other Loans and has reported a late payment.
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Improper use of your report
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Equifax leaked personal and financial information on hundreds of millions of Americans. I am one of them - the Equifax website confirmed my info was leaked.
As someone in the XXXX XXXX field, the only explanation for this is gross incompetence. It should not be possible for a leak of this magnitude to take place.
There should be a full investigation with civil and criminal consequences.
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Communication tactics
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They called me, then asked me to give my phone number so they could identify me. I refused, since they called my number they should know what it is. It seemed to be about debt collection, but I have no unpaid or overdue debts. Now I get a call from the same number at least once per day, but no one is on the line when I pick up. THe phone number they are calling from is XXXX
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Improper use of your report
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Equifax did not properly protect my personal information and it has been breached by a hacker/unknown sources.
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Application, originator, mortgage broker
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in 2000 I financed XXXX acres and a manufactured home @ 9+ % interest rate. I was informed that after 5 years i could refinance. My mortgage company has changed hands several times, selling my contract to an investment group. I have tried several times to refinance. The investment group will not let me refinance with XXXX. XXXXGreentree/Ditect I feel like the are keeping me from refinacing, my hands are tied!! Please HELP ME!!!
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Improper use of your report
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Equifax allowed unknown persons to access my DOB, SSN, name, address, drivers license number and private credit report information. They did not protect this information to the best of their ability. I have now had to shell out {$30.00} to freeze my credit with 3 credit bureaus and pray to XXXX that hackers are not fraudulently using my information that Equifax did not protect.
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Incorrect information on credit report
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I checked my credit report and do not know what this debt is on my credit. I did not authorize and have never had service with this company its fraud
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