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Consumer Complaint
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Problem with a credit reporting company's investigation into an existing problem
My issue is with Experian. I've written 4 dispute letters in regards to the following accounts below. I asked on 3 different occasions for their method of verification showing this is my debt. I continuously just get a letter saying verified. XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX I received a letter stating they will no longer reinvestigate these accounts again.
Taking/threatening an illegal action
summons served at the address of my parents ' house, which is not my place of residence or where I opened the account. I live in XXXX ( XXXX ). Currently being sued in XXXX without representation and my counterclaim based on the improper service was denied.
Communication tactics
BANK OF AMERICA HIRED XXXX TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.
False statements or representation
Received let ter from Harvard Collection in XXXX XXXX Called and explained services were not performed, hospital had sent over paperwork to verify previously to original debtor. Send certified letter disputing with in XXXX days, never received any response. Was told it was XXXX account, credit report is showing XXXX accounts. My understanding the account was resolved, but now has been sold to another party that is trying to collect it.
Struggling to pay mortgage
I have contacted the bank regarding loan mod paperwork - the point of contact and superviseor do not return phone calls and emails are auto-generated stating they are " out of office. '' The Bank dual tracked me to Foreclosure and are still practicing Dual-tracking to foreclosure when I have income to pay my mortgage and am trying to get a loan modification.
Communication tactics
They called my mother 's private line asking for me. They called at XXXX on a XXXX morning waking my elderly mother.
Incorrect information on credit report
There is a judgment on my credit from XXXX XXXX XXXX XXXX in XXXX XXXX, MD. I paid off this judgment on XXXX/XXXX/2012, but it has remained on my credit even after speaking with the attorney 's office who accepted my payment on behalf of the XXXX XXXX XXXX. They have n't updated the major credit bureaus of my pay off thereby causing a severe negative impact on my credit.
Incorrect information on credit report
On my XXXX credit report. XXXX / child support has not been updated. Please update payment amount, due amount and payment history, amount is much lower now and I have made current payments for several years thank you
Cont'd attempts collect debt not owed
harrassing me constanty for past one year. even though after i sent signed letter to claim that i need more details. the debts showed up on my credit report without justification.
Credit monitoring or identity theft protection services
Transunion charged me XXXX twice on XX/XX/2017 after accessing their site to research credit monitoring. I never authorized a charge or provided a credit card number.
Improper use of your report
I did not authorize these inquiries at any point in time, I have attempted to get them taken off to no avail, without proper response or action from the credit reporting agency, transunion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Other
I have sent several letters asking for proof bearing my signature showing this this account has been late. I have never received a response, in fact this account was paid and closed fro over a year and know this company just added that this account is now open and hit me with another late. i have also disputed with the bureau and it has gone un answered.
Incorrect information on your report
Westlake Financial is not reporting the correct payment amounts that are being made monthly. I 'm currently making over { $600.00} a month payments and only receiving {$35.00} a month and credit on all XXXX credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit burea us and West Lake financial would not do anything to correct this issue.
Communication tactics
XXXX I get a letter from an attorney saing or warning me that a creditor is about to sue me, and that he is willing to help fight it. Then in the next XXXX of days I get a letter form HSBC Bank Nevada , N.A . that I should call them or they 'll be forced to settle a judgement in court.
Incorrect information on your report
I do not even remember this creditor and how it got on my credit reports. It may just be a financing company of which was applied and never got removed off my credit. I hope this gets resolved. There Contact Info : XXXX XXXX, CA XXXX ( XXXX ) XXXX
Problem with a credit reporting company's investigation into an existing problem
Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604. The letters are attached below. Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries. Credit Agencies failed to prove 3 requirements and failed to remove inquiries from my credit reports
Problems when you are unable to pay
I have reviewd my credit report and I see a auto loan account that I have been disputing for a while now, I have not received any respond from requesting validation and verification of the account under law section of the credit fair act they have not comply with requests
Attempts to collect debt not owed
The debt collector called me to ask for medical fee that was paid by my health insurance in full. I told them to check with the hospital that this is no longer a debt and they refuse to do so. The hospital bill was paid late by my health insurance because the hospital did not give all information to the insurance.
Improper use of your report
I contacted COAF directly to dispute the following unauthorized inquiries : Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX I was advised that since I did n't have an account with them they were unable to dispute the inquiries at hand. I also contacted XXXX who told me that without written information from Capital One Auto Finance that they could n't remove the inquiries either.
Attempts to collect debt not owed
I paid debts in exchange for deletion off my credit file. Debt collection company is still reporting on my credit report voiding our recorded verbal and written agreement .I have disputed numerous of times and will seek legal action against all parties at fault
Incorrect information on your report
Today I received notification that my Equifax credit score dropped 62 points. I pulled my report from their website this morning and discovered seven ( 7 ) open credit cards were deleted and one ( 1 ) installment loan. How do current/open trade lines just disappear from a credit report?
Incorrect information on credit report
THIS ACCOUNT DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX ACCOUNT # XXXX THIS ACCOUNT IS STOPPING ME FROM GETTING A JOB.
Problem getting a card or closing an account
I got a reward card from XXXX XXXX XXXX for {$100.00}, however the expiration date is too short which didnt give me enough time to use it. Gift card 2009 act clearly says the expiration date should be longer than what this card gave me.
Cont'd attempts collect debt not owed
I have never received any type of communication that this is a debt I owe. If so, I would like to see that contract or agreement I made with this party that would show there was a contractual agreement.
Incorrect information on credit report
I have contacted Equifax about XXXX accounts on my credit report advising that I have settled these accounts but they still continue to report that the balances have not been taken care off. I am told to contact the creditor that reported on my credit report which I 've done and it is still not corrected.
Identity theft / Fraud / Embezzlement
My XXXX payments of XXXX were never credited to my account. when i called to question they stated that they sent me back XXXX payment of XXXX when I NEVER requested this. My account is showing negative on my credit report and do not know where my money is at.
Took or threatened to take negative or legal action
I am getting calls for my brother in law every single day. I have told this company to call him and stop calling me. I owe no debt. They are using 3rd party disclosure telling me how much he owes and that he will be sued very soon. Harassing and frankly making me feel very uncomfortable. I might hire an attorney myself.
Incorrect information on credit report
all credit agencies reporting past 7yrs outdated since 2006 and not my accounts ... remove all from credit files asap .... '' cap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX
Cont'd attempts collect debt not owed
The XXXX collection was taken off of my credit report last year. It was illegally added back XX/XX/2017.
Communication tactics
Vague message recieved threatening legal action if the call wasn`t returned at th end of the same busineess day. Again, no specifics mentioned. Later determined the co. was a debt collection agency after researching the phone no. on the internet.
Cont'd attempts collect debt not owed
First Credit Services has called my business cell number repeatedly to collect a debt incurred by a XXXX XXXX. I have repeatedly told them they are calling a business and there is no XXXX XXXX associated with this number. I have also told them to stop calling. The company 's representatives become abusive at that point and typically hang up on me. Just today they have called XXXX times and it is only XXXX CST.
Incorrect information on credit report
I have repeatedly disputed unauthorized hard inquiries via Equifax 's online dispute route, I have faxed them about the disputes and I have called them several times to no resolution. The reps were unfriendly and unwilling to help. I am only having an issue with Equifax, the other XXXX bureaus resolved with no conflicts.
Billing disputes
Discover is stating the wrong current balance for my credit card. Please see attached screen shot. That math does not add up and discover owes me {$74.00} for the difference. Thanks.
Cont'd attempts collect debt not owed
Year 1996 American Express sent letters, phoned me and clamed I was XXXX XXXX XXXX I am XXXX XXXX XXXX To this date I have the bill show up on my credit report. I get it removed and again it is on my credit report.
Loan servicing, payments, escrow account
I having problems with BOA with my mortgage an a loan equity. After they had converted the mortgage with the loan equity loan. They still charging me for the equity loan
Incorrect information on credit report
I would like to have the judgment for {$930.00} ( XX/XX/XXXX ), judgment for {$39000.00} ( XX/XX/XXXX ), and the judgment for {$2400.00} ( XX/XX/XXXX ) removed from my credit report as I was able to have done with XXXX.
Improper contact or sharing of info
I received a letter from a debt collection agency for {$10.00} for a medical service. I never received any communication from the medical provider that I owed this amount and the first I am hearing of it is from the debt collection agency.
Incorrect information on your report
A bankruptcy is incorrectly being reported on my credit reports.
Incorrect information on credit report
I have disputed the bankruptcy listed on my credit report with Equifax. My information has been suppressed with XXXX since XX/XX/XXXX but they send me correspondence stating they have verified with XXXX. I requested a copy of my XXXX report which is dated XX/XX/XXXX. I received a document from Equifax dated XX/XX/XXXX that they verified the bankruptcy again through XXXX even after I provided them a copy of the report stating no bankruptcy records.
Incorrect information on credit report
This AFNI Inc Account does not belong to me. AFNI Inc informed me that this account was charged off my XXXX in XX/XX/2008. AFNI Inc has not provided any documents in regards to this Account.Please ask AFNI Inc to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
Managing an account
Trying to use XXXX XXXX and the amount of money in my bank account does n't accurately show. I bank thought capital one 360 ch ecking
Unable to get credit report/credit score
Equifax , when requested to allow me to speak with an American, rather than someone in XXXX, repeatedly hung up on me.
Improper use of your report
On XX/XX/XXXX I was notified through Equifax that I may be affect by a security breach at that company. The security breach occured on XX/XX/XXXX and I was not notified until XX/XX/XXXX.
Loan servicing, payments, escrow account
I have a residential mortgage with OCWEN, and apparently the are skipping months of reporting my over 5 years of on time payments. This is the same mortgage company that were reporting my information religiously monthly when my payments were late over 6 years ago. I have contacted OCWEN prior about reporting my on time payment to the credit bureau. I believe this practice is unfair to consumers.
Attempts to collect debt not owed
it was a company, XXXX that said i owed them for a product that was returned over 7 to 8 years ago. now they put my account im collections for XXXX for what they said i bought again. was not notified & XXXX wont remove from my account. never gave them my social or any info. dont owe this company not mine
Incorrect information on your report
My monthly payment has been on time for 4 years now, but it still shows delinquent on my credit report.
APR or interest rate
I am being charged interests on balances that I already paid in full. The company ( American Express ) failed to explain how they calculated these balances and I was told that the representative was not at liberty to discuss how they calculated those balances.
Incorrect information on your report
I am a current customer of XXXX XXXX. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.
Managing the loan or lease
DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates.
Credit reporting company's investigation
I have numerous errors showing on my credit report. After reviewing it I sent Transunion a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Transunion has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
Incorrect information on credit report
Most of the things were disputed but not all of them. They are all medical bills when my identity was stolen.
Can't repay my loan
I had no job due to being laid off, I tried to work out a payment arrangement and was told I still had to pay regular amount. My income tax was taken and incorrect information was put on my credit report.
Incorrect information on credit report
I have provided the following attached letter to Equifax to remove this collection from my credit report. My first dispute was XXXX XXXX, 2016 and Equifax has not removed the collection. I would like this removed from my credit report. ACCOUNT # : XXXX
Taking/threatening an illegal action
Debt collector threatened to sue me over time barred debt. When I told them this threat was illegal they told me it was not. They said they were an attorney who bought this debt & they would be serving me in the next few days with a lawsuit over this time barred debt. After hanging up with them they immediately called me back to threaten & harass me further.
Communication tactics
Convergent/XXXX calls me on my cell and at my work number. They wo n't give me any information about " the personal issue '' until I verify my last XXXX Social Security numbers, address and birth date, which I will not do unless they tell me why they are calling. They then tell me they will report that I refuse to cooperate, and hang up. There has to be something that can be done to stop this kind of harassment and bullying.
Incorrect information on credit report
XXXX XXXX is claiming they bought account ( Account # XXXX ) with a balance of {$1100.00} belonging to me from XXXX XXXX XXXX ( Account # XXXX ). I have no knowledge about so, I ask disputed on Experian website for XXXX XXXX to provide me the necessary information that show that account was open by me. They have failed to provide any documentation rather asking me to call them so I settle this account with them.
Deposits and withdrawals
Rush card services has about XXXX $ of my gf direct deposit money an we depretly need it we 've called customer service emailed contacted via XXXX any advice greatly appreciated
Improper use of your report
Inquiries from XXXX has been made 4 times on my account without my knowledge! And once from XXXX without my knowledge. Please advise!
Incorrect information on your report
cra hippa inaccurate information not mine
Other service problem
I use an app called XXXX and the app is great ... lets me borrow money and send the money into my account within seconds. The problem is TD BANK, they take forever to send XXXX my updated account balance, causing me to wait long for money. When they do update it a lot of times it 's wrong. Like it will say I have " XXXX dollars in my account. My balance has n't been {$30.00} for about 4 days now ... ...
Taking/threatening an illegal action
Debt collectors suing me for credit card accounr past stature of limitations. I had the account in XXXX but I moved to XXXX and thats where i 'm being sued.
Cont'd attempts collect debt not owed
This is a scavenger who bought a bad debt. Original creditor XXXX sold loan to XXXX. Both accounts were closed in XXXX. Michigan statue of limitations for this type of loan reporting is six years. The original and secondary loan holders have been removed from reporting agencies. Millienium obtained this information in XXXX. This is not a valid debt, and needs to be removed immediately.
Incorrect information on your report
XXXX and Experian has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score dro p dramatically. XXXX XXXX is the collection agency and the original creditor is XXXX XXXX for rent. I have also disputed this collection directly with the XXXX credit bureaus and has heard nothing back.
Credit reporting company's investigation
My spouse and I are a victim of UNFAIR credit reporting practices. Credit report agency was NOT able to throughly review the documented proof, did not review, did not properly investigate and did not provide valid poof on my request. All my documents attached show very clear proof that this was UNFAIR practice on my family but they have not provided even a single document supporting & justifying the collection account.
Unable to get credit report/credit score
I have not been able to file a complaint with them. The telephone numbers they supply are automated that try to sell you products with an endless loop of sales pitches. Here is the number Experian supplied XXXX. Call the number and see for yourself. I was unable to get a online copy of my credit report from them last year and also this year. Two years in a row.
Incorrect information on your report
There are many mistakes appear in my report without my understanding.
Incorrect information on credit report
I have a credit card with XXXX XXXX XXXX, which provides a maximum credit limit of {$800.00}. Previously, I owned over {$790.00} on the credit card ; however, I have paid it down, and it is/and has carried a balance of {$280.00}. XXXX XXXX XXXX has not updated my credit reports to reflect an accurate credit card utilization. My credit card utilization is listed above XXXX %, which it should be much lower.
Dealing with my lender or servicer
I received an email on XX/XX/2016 from Navient that my payment had increased from XXXX per month to XXXX per month. When I went into my account to see what had happened, it appears they changed the term of my loan from the original XXXX years to XXXX years. I 'm XXXX years into the XXXX year loan repayment and now only have XXXX years left to pay it off. While Navient agents were polite, they are unwilling to honor the terms of the loan to which I had agreed.
Cont'd attempts collect debt not owed
I keep getting a call from phone # XXXX and the debt does not belong to me and I want them to stop calling my cell phone.
Credit reporting company's investigation
I saw XXXX on my credit for an apartment. I never had an account nor have I ever lived in that apartment. I disputed it with Equifax and sent a copy of my FTC FRAUD AFFIDAVIT. I am a victim of identity theft. Equifax sent me the results that did not mention XXXX. EQUIFAX is continuing to report this fraudulent account on my credit
Cont'd attempts collect debt not owed
This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Disclosure verification of debt : Did not receive notice of right to dispute.
Incorrect information on your report
I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.
Trouble during payment process
I am in a loan modification trial that was approved by XXXX XXXX not Seterus ( the servicer ). I am receiving statements that my loan is behind and the payment I made on XXXX is being held in a suspense acct. So now I am going to show late on my credit report which should be corrected.
Credit reporting company's investigation
I am filing this complain because TransUnion has ignored me request to provide me with the Documents that their company has on file that was used to verify the accounts i disputed they have gone past 30 days mark and can not verify these accounts. Under section 611 ( 5 ) ( A ) of FCRA - THEY ARE REQUIRED TO " promptly delete all information which can not be verified " that i have disputed Please resolve this manner as soon as possible, thank you
Improper use of your report
There 's a few credit inquiries that do n't recognize.. starting with the most recent one. On XXXX XXXX 2017 XXXX Creditor contact details : XXXX XXXX XXXX XXXX, DE XXXX XXXX Inquiry from XXXX XXXX, 2017 Creditor contact details XXXX/XXXX XXXX, MD XXXX XXXX/XXXX Inquiry from XXXX XXXX, 2017
False statements or representation
After calling, setting up a payment plan, and paying the balance off over the length of XXXX years this company called and requested additional fund be paid immediately or legal action would be taken. The owner of this account it XXXX and has XXXX.
Loan modification,collection,foreclosure
In XXXX our mortgage became late now XXXX and XXXX different agencies later I 'm still making the same mortgage payment and the company I make it to is not listed on my credit report but the original company is but it shows the account as a charge off. I need help.
Written notification about debt
A request for validation was sent to this creditor on XXXX / XXXX / 2017 via certified mail as I was n't sure what the account they are reporting on my credit is, or who the original creditor was. I did not receive any correspondence or information as requested.
Disclosure verification of debt
They havent provided the dates that this debt was chrged off and the correct amounts of monies owed and how method of how they came to the determined amount as requested.
Trouble during payment process
I am at the end of my 5 year term with having to pay PMI on my FHA mortgage and my servicer is telling me that I will have to pay for an appraisal to show the bank that my home is worth more than the $ XXXX I paid for it I do n't recall being told or signing anything when I bought the house that stated me paying for an appraisal would be required for the PMI to be removed. Please investigate the validity of this requirement from my servicer.
Incorrect information on credit report
I am writing to dispute XXXX on credit report Membership ID number XXXX. The " balance '' and " past due '' listed on the account is incorrect. Please delete the account.
Loan modification,collection,foreclosure
My home was included in my bankruptcy in XXXX, and discharged in XXXX. Indymac bank, the original mortgage holder has still not foreclosed on my home and this is keeping me from purchasing a new home. The home is at XXXX XXXX XXXX, XXXX, FL XXXX
Incorrect information on credit report
the collection agency notified trans union to remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX Open {$280.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$280.00} High Balance {$220.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX
Incorrect information on your report
cra violation inaccurate information please remove asap
Written notification about debt
I received communication from Portfolio Recovery associates about an amount they claim I owe of {$2400.00}. The letter was dated XX/XX/2017 and XX/XX/2017, to establish the debt was validated. In the letter, I received a billing statement. A billing statement does not show a binding contract. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.
Account opening, closing, or management
On XXXX XXXX, 2017, my debit Bluebird account by American Express was disabled, I only used the card once a month to paid my rent. When I called them on the phone about it they refused to discussed the matter with me. I have had this card for over 2 years, and I do not understand how my card can be disabled without my authorization. I need to know what happen.
Improper contact or sharing of info
The Facts : 1 ) Regarding debt NCAC i.e. XXXX XXXX paid XXXX/XXXX/2015 in the amount of {$370.00} 2 ) Request for item to be removed from wife 's file was successful. Received confirmation letter from XXXX. The Issue now : per XXXX - NCAC must do request process for husband for item to be removed from his file. Requesting NCAC submit request to remove item from husband 's file. Thanks,
Struggling to pay your bill
i am late on a payment and card member service contacted my employer and shared my payment and account information with my supervisor. the date this took place was XXXX/XXXX/XXXX during business hours
Money was not available when promised
Per my conversation with CFPB on XXXX/XXXX/15, I am submitting a new complaint based on my original claims and allegations against Bank of America, but will be providing new/additional information, such as a better Bank of America contact to reach out to, i.e. preferably outreach to Bank of America 's CEO/Corporate Headquarters versus a random consumer resolutions center.
Communication tactics
Company stated number on caller ID was a 3rd party tracker process server. Refused to provide company name when calling, when requested, or when contacted by phone. Stated Company Name was " Global, that 's it ''. They stated they owned the dept and called XXXX.
APR or interest rate
Misled on credit terms ; paypal credit advertises special financing but makes no mention of it 's applicable time frames and whether or not it 's applicable to a current purchase.
False statements or representation
This company has not provided any information that this is my debt. They keep sending notices, but have not proved that I 'm owner of this debt. Provide paperwork that I am the owner of this.
Written notification about debt
I filed online dispute XX/XX/XXXX. Contacted XXXX with certified mail included documentation that was signed for XX/XX/XXXX by someone at company. Requested validation of debt in letter XX/XX/XXXX. No contract with this company must remove debt from credit file ASAP!
Incorrect information on credit report
An incorrect previous address is appearing on my credit report. I fear identity theft as a result of that.
Can't repay my loan
My loans are so out of wack. I was XXXX and I called and informed them and I feel they should correspond correctly and handle each case. It 's been so frustrating. Please help I totally do n't understand I 'm XXXX.
Incorrect information on credit report
stolen license many years ago. changed my name to protect myself, but since 1992 my credit is always wrong, now someone has given fraud using my ssi, and gotten cards, real estate and more.i need to put a stop to this forthwith and prosecute those who are using my info. the ssi office do not help.and i was born and raised here.how can your office help make this right?
False statements or representation
Had collection from a student loan on my credit report. The student loan however had went to court and had been settled. Was told by the collection company that they would remove the account off of my credit report, which they did. However, they will not give me written proof that they have removed the entry. All I require is a letter stating it has been removed from my credit report, yet they will not send one after several contacts with them.
Took or threatened to take negative or legal action
I really ca n't tell anything but I get call for from some company said that I old them money.well for one stop trying to mess up my credit report.
Incorrect information on your report
I recently received my credit report and noticed there are inquires on it that are damaging my credit score and my ability to obtain new credit is being jeopardized. I formally request that all non account holding inquires be removed immediately.
Incorrect information on credit report
I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Equifax credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and have never heard of them nor have I ever received any type of documentation from this company. I am furious at this point.