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consumer_complaints_medium

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Consumer Complaint
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Cont'd attempts collect debt not owed
I reviewed my credit report and observed that AFNI conducted a hard hit inquiry that I did not authorize. AFNI has previously attemted to collect a debt that is not mine. After I filed a complaint with the Consumer Financial Protection Bureau, AFNI withdrew from attempting to collect a debt that I did not owe.
Incorrect information on your report
I have disputed this account on many occasions with XXXX, XXXX and Transunion and each time it comes back as Verified. Creditor reports Date of Last Payment XXXX payment history has No Reporting
Incorrect information on credit report
An unknown address has been filed under army TransUnion credit report. I believe it is a fraudulent address because the same address was used on my FedLoan account within the last 3 months.
Loan servicing, payments, escrow account
Wells Fargo Home Mortgage has refused to give me this current information and your help is needed. I feel Wells Fargo Home Mortgage is duel tracking in a attempt to refuse a loan to me and discriminate against a XXXX women. Loan # XXXX XXXX XXXX, Property Address : XXXX XXXX XXXX XXXX , XXXX XXXX, CA.XXXXWhat the status of my Loan Modification Application? On what date did you receive my Loan Modification Application? XXXX XXXX
Other service problem
Coin base is holding almost {$4000.00} of my money. Multiple times Ive tried to access my account and their website is not functioning properly in order for me to be able to do so. Ive contacted their support to bring this issue up with them and theyve only advised methods in which I do not have access to. Ive contacted support multiple times to address this concern considering the circumstances, with no response.
Cont'd attempts collect debt not owed
I keep getting calls from this company ( " Highpoint Assets '' ) for XXXX XXXX ( not me ). I 've asked to be removed from their list several times to no avail.
Cont'd attempts collect debt not owed
In XXXX XXXX , the medical lab, XXXX , performed wrong blood tests, not what was ordered by my doctor. They acknowledged the error and I was told there would be no charge to me. Shortly thereafter I began receiving bills from XXXX which I forwarded to my doctor 's office. They called XXXX who assured them the matter was taken care of but I continued to receive bills from XXXX , and now from debt collection companies.
Incorrect information on your report
XXXX XXXX XXXX XXXX account is not my account and was open as an result of identity theft FTC Report # : XXXX Experian and XXXX refuse to remove account.
Improper use of your report
I called JPMorgan Chase Bank on XX/XX/17 to ask them why they have accessed by credit file on X/XX/2017 and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they would n't help me.
Attempts to collect debt not owed
This debt has not been validated with any original documentation to include my signatures. *This is my 3rd attempt at reaching this collector, with no valid response. I have searched for this collection agency on XXXX XXXX XXXX ( Alabama is the state that this debt supposedly originated ) and this business is attempting to illegally collect money from me as they are not a registered debt collector as of this filing.
Incorrect information on your report
XXXX XXXX XXXX XXXX XXXX reporting that I was late when I was not. They are indicating that i missed a payment when I did not.
Taking/threatening an illegal action
Above not accurate, attempted withdrawal from bank acccount. I contacted the collection agency ( via Regular MailXXXX, and e-mail ) on XXXX XXXX, XXXX to rescind any and all authorizations to draft checks, withdraw, debit or otherwise remove money from my business account as I would remit payment myself via check each month. Despite my direct notice, the collection company debited my account on XXXX XXXX, XXXX for {$250.00}, overdrawing the account.
Settlement process and costs
Last year around XXXX we received notice ( a postcard ) that we were included in this settlement, did not have to fill anything out. We then received a confirmation of this in XXXX that it would be completely settled in XXXX - never heard of it again. We would like to know the status of this please. Thank you.
Communication tactics
I even have on my greeting that if it is a solicitation to remove me from whatever list, yet I continue to get a call from them AT LEAST once a day, sometimes several times per day. They never leave a message.
Written notification about debt
Third ParyCollection Agent requested {$250.00} dollars when the original amount is {$190.00} and also attempted to make me pay {$43.00} for another account with the original amount of {$27.00} and was past the statue of limitations.
Incorrect information on credit report
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX none of theses accounts have validated the account to belong to me. XXXX have removed theses accounts from there Credit Reporting profile they investigated that the account were not mine
Cont'd attempts collect debt not owed
I have been contacted by phone and in writing XXXX XXXX/XXXX/XXXX XXXX by Optimum Outcomes, Inc. I wrote them via certified letter in XXXX XXXX, showing that my insurance company paid a medical bill to XXXX XXXX XXXX and to not contact me anymore or show that the debt is valid.
Loan servicing, payments, escrow account
I called SENECA Mortgage Servicing at XXXX. There is no option to talk to a live person which is ridiculous. I am calling about a fee charged on my account and there are absolutely no options to talk to someone. Is n't that a requirement of a loan servicer?
Incorrect information on credit report
No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company.
Improper use of your report
I have no knowledge of this inquiry.
Improper use of your report
XXXX has posted several credit inquiries under my credit report that I do not recognize. - Comenity/XXXX -XXXX XXXX XXXX - XXXX - Comenity/XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.
Incorrect information on credit report
Credit reporting company will not delete wrong information on credit report.
Can't repay my loan
I am submitting a complaint against Genesis Lending Services, They have been charging me during school and even when I was unemployed. I seek to discharge this loan due to the fact I never received any job placement and etc.
Can't repay my loan
XXXX at Navient told that it will cost XXXX dollars to process my FORBEARANCE PAYMENT on XXXX XXXX, 2015. However, XXXX and her supervisor at Navient said they refused to give me a forbearance despite me being in-school and Navient taking XXXX dollars out of bank account. Navient is trying to ruin my credit and they must be stopped!
Incorrect information on your report
Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Communication tactics
For months Portfolio Recovery has called and called. I have ask for proof of debt and have sent them 2 letters requesting calls to stop. As of XX/XX/18 the calls continue on a regular basis and all from different numbers and I have not received a single document from original creditor to show debt is valid.
Problem with fraud alerts or security freezes
In response to the equifax data breach, I have tried to initiate a fraud alert on my credit file. Not a single credit reporting agency website is functioning. In addition, you can not get through via telephone.
Cont'd attempts collect debt not owed
Lawn service plan was expired on XXXX properties, but XXXX, decided to continue, so after I received the invoice I disputed them. After they had instructed TRANSWORLD SYSTEMS INC to collect payment. I reluctantly made payments for both properties, but still do date they are sending me letters indicated that I still owe them.
Cont'd attempts collect debt not owed
Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.
False statements or representation
In XX/XX/XXXXI had 2 online payday loans. I was in a bad financial situation. Once I got back on my feet. On XX/XX/XXXX called the collection company to work out a settlement offer. The lady on the phone told me that if I paid both loans off in 2 weeks, they would REMOVE the entire file from my credit report. I paid both loans off as agreed and they did not remove them from my credit file. One loan amount was {$620.00} and the other was {$1300.00}
Communication tactics
They call my phone at least 13 ti mes a day but they always call from different numbers. They will call 5 times from one phone number and then use other numbers throughout the day. My phone rings every hour, sometimes within 30 minutes of the last call. This has been going on everyday since XXXX .
Disclosure verification of debt
Charged fees in excess of allowable XXXX non-judicial foreclosure fees of {$1500.00}. Did not repsond to mediation request or verify with lender that information was correct. Wrote wrong borrowers names on Notice of Default and failed to respond when notified.
Can't repay my loan
I was supposed to have income based repayment because I lost my job, but suddenly I started getting default statements. I put all of my loans into consolidation with XXXX and while they were in the process of consolidation Navient pulled XXXX of my largest loans and placed it into " recovery ''. Now all of my other loans have been sold to the DOE and I 'm being harassed by collection companies for the one loan Navient took.
Took or threatened to take negative or legal action
Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.
Incorrect information on credit report
I have sent several letters to Experian disputing items on my credit file that do not belong to me. The Inquiries was one of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.
Loan servicing, payments, escrow account
My mortgage company is reporting that I have late payments during the time they were processing my modification. ( XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014 ). I did not make late payments, I made all payments before they were due. Please see my attached supporting documents.
Incorrect information on your report
This company XXXX wanted to check my credit report and I did not give them permission to do that XXXX XXXX sent me an alarm email to let me know this was on my report with XXXX credit bureau and not XXXX. This is the name that made that inquire XXXX XXXX XXXX there phone number is XXXX XXXX XXXX XXXX XXXX, FL, XXXX. I did not give them permission to check my report.
Improper use of your report
Equifax did not secure my information properly and it was hacked and stolen. I am not in fear of having my identity stolen. I have spent a lot of time and money now signing up for credit fraud alerts and credit freezes.
Managing the loan or lease
Houston finance has been paid off and closed since 2012 and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.
Account terms and changes
XXXX did not meet their delivery timeline. So I cancelled the order and they continue deduct money from me in XXXX 's when i cancelled XXXX XXXX. They are looking for me to jump through hoops for my refund, while they continues to take money out of my account. I have instructed the bank to place a stop payment for this debit. Called today and they are requesting after two months and no refund to send bank statements to show they have my money and it two month later.
Disclosure verification of debt
I never received any communication regarding the debt. Had I been informed of the debt it would have been taken care of.
Incorrect information on credit report
Starting in XX/XX/2013, Someone used my name and address to create checks, to a fraudulent checking account. I filed a complaint with FTC ref number XXXX and a police report ( report number XXXX. I looked at my credit report, and found XXXX pages these fraudulent checks on it. I do n't know how to get these off my credit report.
Dealing with your lender or servicer
I lost my job last month and I filed a recertification through studentloans.gov for the REPAYE program with my current income of XXXX. Navient illegally withdrew over {$400.00} from my account even though under the REPAYE program I had a {$0.00} payment. It 's impossible to contact Navient. I want my money returned and I want my loan account updated.
Improper use of your report
Credit bureaus all 3 XXXX, XXXX and Trans Union would not remove Hard Inquiries when asked.
Fraud or scam
Bitcoin and Coinbase in conspiracy with one another to commit schemes to defraud investors into a digital currency investment have committed wire fraud. Coinbase app states " invest your money. '' I invested my money by wiring money into their business account. I have yet to get a settlement of funds verification from their ACH I sent to Coinbase and they never returned my funds by wire and it been over two months and never got my return wire transfer.
Problem with a credit reporting company's investigation into an existing problem
on XXXX XXXX,2017 XXXX XXXX, 2017 XXXX XXXX,2017 XXXX XXXX, 2017 i have sent several disputes with transunion to no avail have they showed me proof of verification of this debt. The only proof sent was it was verified thru lexis. They are not showing proof of how they verified it. They are not showing verifable proof.
Disclosure verification of debt
I never received notice of this debt or my right to dispute.
Disclosure verification of debt
I never received a notice of this debt or right to dispute from the collection agency. I attempted to settle the debt for a smaller amount, but my settlement offer was not accepted. The original creditor appears to be XXXX XXXX, but I have not had insurance through this company for several years. When I ended my coverage through XXXX, my account was paid in full.
Cont'd attempts collect debt not owed
Lady friend forge my name on school loan as an co-signer without me knowing it, then we got married ( XX/XX/XXXX ) and divorce ( XX/XX/XXXX ). Nine years later they want me to pay for the loan.
Billing disputes
I contacted my credit card company ( Cap One ) to report fraud. It was n't until I let them know I knew about the CFPB to report a complaint that they finally addressed my concern. However, I received a rebel for the exact reason for which I filed a complaint. I received a message from someone in their dispute resolution team and after XXXX messages/phone calls I have yet to receive any explanation or assistance from them.
Improper use of your report
I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Incorrect information on credit report
XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.
Communication tactics
on XX/XX/2018 caller identified himself as XXXX ... .told personal information to non involved parties ... used profanity ... stated he was an attorney ... .repeatedly calls back after being told to stop ... .made what sounded like a threat of violence
Loan servicing, payments, escrow account
As I explained before too many times, XXXX are selling and selling my mortgage. Right now, GREGORY FUNDING ( XXXX- XXXX CA XXXX. NO ADDRESS AS YOU CAN SEE ) is showing delay payments in my mortgage since I paid before to the prior Finance Company XXXX LOANS. These Companies are doing fraud to get more money. Now they are asking Fees & Changes. I do n't want to continue paying my mortgage with robbers. I want to pay my mortgage in XXXX.
Credit determination
American Express refused to work with me to develop program to pay off the account balance. Instead, the representative insisted that I was ineligible for a plan, despite my inability to make the requested monthly payment.
Taking/threatening an illegal action
I received numerous calls from different numbers stating that I owe {$500.00} credit card debt from XXXX XXXX received in 2010. I have never had a XXXX XXXX Card. That state there are several complaints issued against me through XXXX County. I called XXXX County and they state it is fraud.
Incorrect information on your report
XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off. I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.
Incorrect information on credit report
I am a victim of identity theft. The unauthorized and fraudulent accounts and inquiries, do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Improper contact or sharing of info
Portfolio Recovery called and spoke to my husband on XXXX XXXX 2016. They disclosed all the information about my debt with him. I have never given Portfolio Recovery permission to disclose information to my husband. My husband also does not have a power of attorney. For them to do this it is a violation of the law.
Attempts to collect debt not owed
I owed XXXX a balance of {$290.00}. They sent it over to source receivables for collections. I went to XXXX on XX/XX/18 and the employee called corporate and they agreed to consolidate it and i pay half to have my services restored. I paid {$140.00} on XX/XX/18 and they restored my service. This debt is resolved and paid yet still on my credit report and I want it removed
Communication tactics
I have been repeated called by XXXX XXXX after changing my number two times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You
Incorrect information on credit report
Accurate background check list me having lived in States that I have never lived in including a State I 've never been to.
Credit card protection / Debt protection
wells fargo sent a new card to an address that is not mine and did not request refused to take false address off my account. refused to resolve problem or help me find the person that canceled my card and had a new card sent to them. told me they could not take false address of my account. no help offered status of account. do not know if crook is out running up charges on my account or not .the crook has total control they claim I can do nothing.
Incorrect information on credit report
Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me.
Credit monitoring or identity protection
Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's
Money was not available when promised
On XXXX/XXXX/XXXX I initiated a wire withdrawal from Coinbase. The transfer ID is XXXX The amount was for {$10000.00} USD Outgoing to XXXX XXXX XXXX XXXX The estimated payout date was XXXX XXXX - XXXX XXXX, XXXX UTC I have tried reaching out to the company through a support ticket but have not heard back. I am worried about my money.
Cont'd attempts collect debt not owed
This debt does not belong to me and I am unsure why it is on my credit report. This debt is from a company that I have never used.
Incorrect information on your report
XX/XX/2013 {$0.00} paid out. It close account it still on my credit report
False statements or representation
Wo n't return my escrow, even though I 've asked for the balance for over 14 months. In addition, unsubstantiated {$90.00} per month fee. Have submitted documentation multiple time without satisfation
Unable to get credit report/credit score
Equifax system is cumbersome
Other
navy federal is reporting acct as mine. after i asked to remove from acct because shows i am authorized on acct. will not give me acct details but says i am authorized user.
Managing the loan or lease
The vehicle loan was paid off XX/XX/2016. They reporting on all XXXX credit bureaus as derogatory. Which causing my credit score to go down.
Problem with a credit reporting company's investigation into an existing problem
All your information is incorrect, Inaccurate, or false.
Identity theft / Fraud / Embezzlement
XXXX changed credit card companies from XXXX XXXX to Citibank. We cancelled our XXXX membership and our XXXX XXXX and refused service with Citibank. Afterward, we regularly received letters saying they would open the credit card account with Citibank. We contacted XXXX and Citibank multiple times refusing the credit card but they still opened the account. We now have an unauthorized Visa credit card from Citibank.
Billing disputes
I am a Discover card member since XX/XX/1987. Discover has placed gray charges on my monthly statement. I disputed the gray charge in writing and requested a written explanation for the charge. I never got a response. I declined telephone calls on the matter. Discover charged additional fees in retaliation for my dispute of the gray charges. THis is illegal, the company cannot charge fees on items in dispute, including charges.
Application, originator, mortgage broker
I HAVE A LOAN WITH AN UN KNOW LENDER AND CHASE BANK IS SERVICING THE LOAN, I WOULD LIKE TO KEEP MY HOME THAT IS CURRENTLY IN FORECLOSURE WITH A EXPECTED SALE DATE OF XX/XX/2015 , IAM REQUESTING HELP IN ORDER TO GET CHASE OR WHO EVER IS HOLDING THIS LOAN TO ALLOW ME TO MODIFY THE LOAN TO A MORE AFFORDABLE PAYMENT
Incorrect information on credit report
My XXXX account for student loans has been closed since XXXX and paid in full and they still are showing on all XXXX of my credit reports, I was told good standing accounts stay on you report for XXXX years but it 's been more than XXXX years, please remove.
Dealing with my lender or servicer
I am trying to get my mother off as a co-signed on my loan. I have reached out and even talked to a rep. That rep never got back to me after following up with them numerous times. My emails and phone calls just never were answered. We have been paying for almost 8 years now and have never been late on a payment.
Closing an account
I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account
Written notification about debt
False inquiry about a collection debt from XXXX XXXX . That I never signed or gave my social security to them. Yes I 'm claiming fraud on this collection!
Incorrect information on your report
There are more inaccuracies than correct info. XXXX accounts are not even my name. My ex added me to multiple accounts and I 'm having a hard time getting rid of her info on my credit report. Also I 've had medical insurance since before the bill accrued
Incorrect information on your report
Equifax continues to report inaccurate information a long with fraudulent accounts opened on my credit file. Their investigation process is flawed and outdated. They refused to block fraudulent accounts from my credit file. I have sent documents upon documents with the ID Theft Affidavit and police reports. Equifax 's unwillingness to block disputed fraudulent information and accounts are causing harm and stress as I can not open up credit accounts.
Account opening, closing, or management
- Had to get a new account last year ( 2014 ) due to fraud. - I had a line of credit attached to the account that had to be closed, and was denied application for the same line of credit on my new account. - XXXX month after closing my account and being
Improper use of your report
i call and they said that I has to call XXXX, when I call XXXX they said that they not have a inquiry in my credit report
Settlement process and costs
Origination fee was not disclosed until late in the refinancing process, only underwriting fee included in paperwork. Loan Estimate was sent on XXXX/XXXX/16 with no disclosure of origination fee. Closing disclosure was sent on XXXX/XXXX/16 showing origination fee, only 4 days away from closing date of XXXX/XXXX/16. At this time appraisal was completed and {$460.00} out of pocket non-refundable expenses incurred.
Incorrect information on credit report
I have paid this account in full and would like the account to be removed from my Negative Accounts and Credit Score.
Incorrect information on credit report
The account XXXX has been paid. it should no longer appear as active.
Incorrect information on your report
ExperianDate XX/XX/XXXX, 2017Report # XXXXRight Address on report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXWrong: XXXX XXXX XXXX XXXX XXXX PA XXXXThis is not the right address and needs to be removed I have provided the one I live at and is right. There should not be this many address showing wrong or not right.
Incorrect information on your report
I closed an account and the balance still showing on my credit for an amount of {$2300.00}. I would like this mistake to be fixed.
Problem with a credit reporting company's investigation into an existing problem
I submitted an investigation dispute with Equifax on XXXX/XXXX/XXXX and as of today XXXX XXXX, XXXX the dispute is listed as pending. They have date of completion listed for XXXX/XXXX/XXXX. They have passed the 30 investigation limit.
Attempts to collect debt not owed
This debt needs to be removed immediately. I was told via phone by the original company I was not liable anymore for this as it was paid for. Please remove this from my credit report.
False statements or representation
REVENUE RECOVERY CORPORATION Has stated I owe on XXXX account but in XXXX different ones at once!! I only used the XXXX Original Creditor. It has stated I owe {$38.00} and {$44.00} for the same thing. I was wondering Why, Do I owe on the same thing XXXX times when It was only for one thing. It was me getting XXXX from the company.
Loan modification,collection,foreclosure
HSBC I 've received your XXXX/XXXX/17 response and there has been no reply to the complaint..Please address a letter from HSBC to XXXX with authorization to be signed and dated, to have this account researched. The fact that I 'm not a signer on the account is not my fault, therefore does n't justify you ignoring the the complaint.Please provide the document you are requested or my Attorney will.
Improper use of your report
I continue to get inquires for credit I did not make.
Problem with a credit reporting company's investigation into an existing problem
I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from XXXX. They are supposed to respond within 30 days.
Improper use of your report
Contacted company and I have unauthorized inquires from companies Inquires are-XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX listed XXXX, only authorized one, XXXX XXXX only only authorized one, and they will not remove.
Incorrect information on credit report
I 've repeatedly contacted Trans Union regarding my XXXX account, listed as # XXXX The balance and credit limit Trans Union lists on my credit report are both wrong, and despite my submitting copies of my most recent statement to Trans Union on XX/XX/2017, providing evidence of their incorrect information, they continue to list a balance when the account is paid in full and a credit limit much lower than is true.
Problem with a lender or other company charging your account
I used you service, they are at the top of my credit report again.
Attempts to collect debt not owed
XXXX/XXXX/2018 I received a letter from a company who identified themselves as a law firm on the letter that was addressed to me. However when I called them to discuss the letter that I received they later identified themselves as a debt collector. The debt that they are referring to is a debt that does not belong to me, nor does it appear on my credit report. I never had a medical bill with the hospital noted.
Problem with a credit reporting company's investigation into an existing problem
The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a XXXX XXXX of XXXX XXXX Service member.