Issue
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Improper contact or sharing of info
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Some of the collections our from XX/XX/XXXX to XX/XX/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors.
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Account opening, closing, or management
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We had a Wells Fargo Business account. They called to inform us that there was fraud with our account. We lost access to our original account and they would n't inform us what kind of fraud or prove that there was fraud in our account. We had to open a new account. Our business checking accounts were linked to Medicare & Medicaid, which is a process to link our accounts to.
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Making/receiving payments, sending money
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Initiated XXXX wire transfer on XXXX/XXXX/2016 on the Bank of America website, but the bank has initiated XXXX duplicated transactions with XXXX different duplicate fees. I have made numerous calls to the customer service over the past 45 days, but the full disputed amount has not been credited yet.
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Improper contact or sharing of info
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The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''
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Problem with a credit reporting company's investigation into an existing problem
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On XXXX / XXXX / 2017 , I sent a letter to Diversified Consultants asking them to validate a collection that is being reported on my credit report. I neve r received a response. XXXX On XXXX / XXXX / 2017 , I sent a second letter t o Diversified Consultants asking them to validate the same collection that is being reported on my credit report. I still hav e not received a response.
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Written notification about debt
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They never contacted me about anything, by phone, mail, e-mail. Just add a collection to my report on Experian. I try to inquiry but could n't.
The collection charge off from my credit report was report on XXXX. XXXX, 2017 with the amount {$2500.00}.
I have no idea how this happen or how i owned that amount to anyone!!!
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Problems when you are unable to pay
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I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting.
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Cont'd attempts collect debt not owed
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I received a collection letter from Enhanced Recovery Company , LLC regarding my XXXX cable account and a balanced owed for {$77.00}. I contacted XXXX and inquired as to the debt and as to this company. First, my account had no debt and second, XXXX does not hire outside collection companies according to the recovery department with XXXX.
I want to report this company as a total fraud.
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Problems when you are unable to pay
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I had an auto loan that was previously repossessed back in XX/XX/2012. This debt is now past the statute of limitations on debt collection. However, they sold the debt to XXXX XXXX XXXX and both companies are now recently reporting on my credit file with a balance. It is against the law for XXXX companies to collect on the same debt.
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Other features, terms, or problems
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Theyre not allowing me to connect a third party service assisting in reducing debt.
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Loan modification,collection,foreclosure
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I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.
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Incorrect information on credit report
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Listed below under XXXX, highlighted there is XXXX account that has been removed- but that is that is still being reported incorrectly as of XXXX XXXX 2016 by Transunion .
I have disputed this and they have yet to resolve.
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Credit monitoring or identity theft protection services
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Please read complaint XXXX. In it I requested " Please address the specifics in your response to my case '' The website I am directed to does not answer the issue XXXX. Please address the specific issue in your response.
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Attempts to collect debt not owed
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Since XX/XX/2018, I have been called incessantly and at all hours by various representatives of First National Collection Bureau , Inc . I do NOT owe them nor anyone they claim to represent ANY balance whatsoever!
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Attempts to collect debt not owed
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this company is trying to collect an unknown debt, I requested verification and validation of this debt including a signed contract of me agreeing to pay this debt. not only did this company not provide it, they are reporting this to my credit which is violating several laws.
It is also reporting twice on mt trans union report.
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Incorrect information on credit report
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In XXXX 2015 I received telephone call from a debt collector representing the office of attorney XXXX XXXX XXXX. The representative offered a settlement for a past XXXX debt. We agreed to a payoff of {$380.00}. I paid and a manager indicated the amount agreed would reflect on my credit report. My credit report shows the debt paid however not the {$380.00} agreed.
Please see the attachment from XXXX XXXX XXXX 's office.
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Account opening, closing, or management
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I had line of credit with bank of America.
I requested some document under Act ( FDCPA ) to send all this information but XXXX XXXX XXXX XXXX XXXX saying on email this loan was sold to XXXX XXXX and not providing any document. I have court date with XXXX and Bank of America is my original creditor. I do n't have any sign contract with XXXX. still I send the requested to them but I did not send me any is bein more then XXXX date.
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Problem with a credit reporting company's investigation into an existing problem
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XXXX XXXX is all paid up and they promised to remove any late fee 's and tell the creditors that it is all paid up with no problems.
I have looked at my credit and have yet to see this updated. I called around XX/XX/18 to make sure this situation can all be settled and was told It would be done.
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Loan modification,collection,foreclosure
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iI 'm trying to refinance my mortgage thru the credit union. We need a letter of mortgage cancelation in order to proceed. My current financial institution, Banco Santander almost deny such letter.
They charge {$10.00} for it and it can not be pay. They sum it to the mortage.
I need the letter for the XXXX of XXXX. Banco Santander say that it can not be before the XXXX.
These is clearly an obstruction for me to refinance.
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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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Attempts to collect debt not owed
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I've contacted the company by certified letter with no response and incorrect address provided by the credit bureaus for the past 7 months. Certified letter to depth collector be returned because of undeliverable address. I've also requested validation from both credit bureaus and company directly with a certified letter with no response.
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Fees or interest
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I was supposed to receive a credit for the account assure being charged on my victoria secret card and to date have not received anything. I 've been paying for this service since before XXXX 2016. T here is no answer when you call the phone number they provide.
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Incorrect information on your report
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There are 2 collections accounts on my XXXX credit report from a debt collector AMERICAN ACCOUNTS AND ADVISORS that were closed by the debt collector because the " alleged debts '' could not be verified. I have contacted the debt collector by mail and asked them to remove the 2 bogus debt collection accounts from my credit report, they have not responded to me for over 30 days.
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Can't repay my loan
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I am not making enough to pay my loan every month. They are unwilling to work with me to lower the payment.
I went to XXXX College in XXXX, NC
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Taking/threatening an illegal action
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Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.
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Credit reporting company's investigation
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I submitted a letter from XXXX stating that my account was paid as agreed. But experian credit reporting agency is saying that the account was paid for a lesser amount that was owed. Even though the letter is saying other wise. I disputed this two times with them but they are still reporting paid for a lesser amount.
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Disclosure verification of debt
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I received notification I have an XXXX debt which is false. Requested validation and nothing has been received. Please help
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Communication tactics
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M S Gerald phone number XXXX called my work number, and demanded my social security number, when I asked what it was regarding the man informed me he would tell me after he collected my information. They have also been calling my cell.
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Credit decision / Underwriting
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After doing a refinance, I received a deceptive mail piece. It looks like official paperwork. But it is a trick to get you to call semper home loans.
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Took or threatened to take negative or legal action
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No idea where the debt came from, will not stop harassing old employers or parents.
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Problem with a credit reporting company's investigation into an existing problem
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The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed
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Identity theft / Fraud / Embezzlement
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Fraud charges and temp authorizations on credit card. Called BAC they were no help, hung up, called back and they said call XXXX. Called XXXX they said call you Credit Card company. BAC credit card XXXX has charges on XX/XX/2017 for {$65.00} and XX/XX/2017 for {$40.00}. I am a XXXX customer and do not do business with XXXX. Please remove the charges and reissue a new card.
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Credit reporting company's investigation
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After being turned down for credit I contacted the XXXX credit bureaus by letter and was able to speak with a person by phone with XXXX. None of them addressed the issues I raised regarding a serious delinquency that I am disputing. They sent me a credit report.
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Fees or interest
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Citi bank is charging me for a Credit Protector fee, without my consent. I did not want or authorize this optional debt protection program. I wil l like it to be removed and a credit applied to m y Citi Cred it Card. The reference number is XXXX . Thanks in advance. XXXX XXXX
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Communication tactics
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XXXX XXXX ( I believe was his name ) of Sunrise Credit Services has been calling my cell phone every day up to 3 times a day for months now, never once leaving a voice mail. I asked them to stop, but the calls persist. The first time I called back a couple of months ago, he refused to identify the company he was with. Today I finally got it.
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Incorrect information on your report
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I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
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Communication tactics
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I received a phone call tonight XXXX on XXXX XXXX 2017. They refuse to tell me what they are calling for, or what " debt I owe. They will not give me any info until I verify my social security number- not happening. They call ALL DAY everyday.
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Cont'd attempts collect debt not owed
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I checked my credit report on XXXX XXXX and notice a collection debt. Called up a company named Midwest Recovery who was not the original creditor. I told them there must have been a mistake. So I disputed the debt. The original collector was XXXX XXXX XXXX XXXX. I never heard of them and never borrowed money from them, but some how they got my personal information. The debt that they said I owe was in the amount of {$660.00}.
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Incorrect information on credit report
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Equifax is currently reporting a student loan from XXXX that was PAID AND CLOSED as Current Status : 120+ DAYS PAST DUE this is NOT the current status - the current status is paid & closed. This is very damaging to my credit. I applied for a loan and was denied by the lender and they informed me that XXXX was reporting as currently 120 days past due when it is closed and paid.
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Account opening, closing, or management
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Basically I started an account with bank of America because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them
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Trouble during payment process
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I have an insurance claim and the check was made out to mortgage company and myself. The company has been troublesome rude and threatening in processing this money back to me. I am concerned about the ability to do the repairs insurance is paying for when they are getting in the situation
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Cont'd attempts collect debt not owed
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Never signed statement of responsibility, Not responsible party.
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Received a loan I didn't apply for
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I received an e-mail from an Attorney XXXX that I owe Ace Cash Advance {$890.00} and wanted a settlement of XXXX.and if I did not pay this I would be socked a total of {$4000.00} including all fees and attorney costs. This e-mail even had my bank account and last digits of my XXXX. I did not receive any money from this company or apply for this money.
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Incorrect information on credit report
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XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes from multiple fraudulent credit inquiries. I contacted TransUnion after to dispute the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.
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Incorrect information on your report
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XXXX breach cause my accounts to XXXX up inaccurate information reporting cra violaton please correct and items showing up that are not mine
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Other fee
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On XXXX/XXXX/16, Citibank close my Prestige Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened in XX/XX/XXXX and I paid the {$450.00} in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$450.00} annual fee I paid.
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Problem with a lender or other company charging your account
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I have an account in Regions bank. I lost my card and come to find out I had XXXX stolen from the atm using my pin and I do not know how it happened. I am suppose to be protected. They declined my claim a few times and now trying to contact corporate. I just want my money back.
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Dealing with my lender or servicer
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Navient ignored my complaints when asking for documentation in reference to payments that I had made. They also made it impossible when trying to apply for a forbearance, when I fell on hard times and could no longer make my loan payments.
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Attempts to collect debt not owed
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CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.
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Closing your account
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Barclays had closed all my credit card products without warning or a phone call. No reason was provided for the closure except a letter describing that the 2 accounts were closed. One account was newly opened and I had just paid the annual fee for the card ( XXXX XXXX XXXX XXXX ), meanwhile the other card was for the XXXX XXXX card which I had for longer than a year 's time and had used often. I also had recently paid the annual fee on the card.
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Written notification about debt
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The company FBCS Inc had sent me a letter dated XX/XX/2018. This letter is an offer to pay a debt at a reduced amount. Their offer is to pay a debt at a 80 % percent discount. I do believe that this debt amount at no matter what their letter states is incorrect. Also I believe this debt is to old to be listed upon any of my credit reports.
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Written notification about debt
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I was not aware that my insurance was canceled with out notification and i went to the doctor to do my anually free check out and they bill me even after i make the arraingment with them and they send me to collection.
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Credit reporting company's investigation
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Equifax verified XXXX items on my credit report that are incomplete. As per the FCRA section 609 ( c ) ( 2 ) ( E ) and 611 ( a ) ( 1 ) ( A ) warrants the CRA 's to remove all accounts that is inaccurate/incomplete due to no original signed documents, invoices, etc ca n't be produced.
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Other transaction problem
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On XX/XX/XXXX I purchased {$200.00} of Bitcoin from Coinbase. On XX/XX/XXXX that charge cleared my bank account. Then on XX/XX/XXXX Coinbase hit my bank account again for {$200.00} ( unauthorized ). This caused an over daft in my account and left me with no money.
Coinbase is not answering the phone and the web support is unresponsive.
As of now Coinbase owes me {$200.00} and an overdraft fee.
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Written notification about debt
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I did not get a notice that I was being sued for a debt. I found the debt on my credit report and did not get a notice or anything to dispute this. The company is Hunter Warfield. The amount is XXXX . The letter was sent to a friends house. This is total violation of privacy. I never got the letter until al most a year later. The address listed is not my address.
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Rewards
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XXXX has denied access to my membership rewards for no reason.
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Incorrect information on credit report
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I am getting a home loan and it is necessary that Equifax, XXXX ALL DELETE ANY AND ALL DISPUTES FROM MY CREDIT PROFILE. I HAVE ASKED THEM TO REMOVE ALL DISPUTES BY LETTER AND BY TELEPHONE AND THE DISPUTES AND DISPUTE COMMENTS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS PREVENTING MY MORTGAGE COMPANY FROM CLOSING ON MY HOME LOAN. PLEASE SEE DISPUTES HIGHLIGHTED IN THE ATTACHEMENT. I NEED ALL DISPUTES AND COMMENTS REGARDING DISPUTES REMOVED.
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Improper use of your report
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I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX
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Incorrect information on credit report
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This medical bill was paid to another collector and Ohio XXXX has been unable to provide an accurate statement that it is a valid charge. I told State Collector to return the collection to Ohio XXXX and they have not sent the disputed charge back to Ohio XXXX. It is not a valid collection and should be removed from my credit immediately.
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Managing the loan or lease
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have XXXX leases with ford credit, my daughters car got parking tickets so the XXXX parking authority, sent letters to both myself, and ford. I paid the tickets, and so did ford.
I sent Ford Credit, my invoices on my credit card showing that they were paid, but they have me owing this money, and have me with XXXX late payments on my lease, which I was not late..
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Credit monitoring or identity theft protection services
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I have made repeated attempts to cancel my Experian credit monitoring services ; on XX/XX/2018 I am currently on hold for the past 2hrs waiting for a representative to cancel this service. No representative is made available.
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Improper contact or sharing of info
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First source advantage keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.
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Incorrect information on your report
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We have filed numerous reports regarding the errors and to date the only thing repaired was my name. My XXXX score which they allude to not having anything to do with reflects XXXX . All corrections were Filed as well with XXXX who has NOT updated the other XXXX bureau s! NOTE on each complaint filed Trans Union WAS included as was XXXX !!!!
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Loan servicing, payments, escrow account
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I have an escrow account with my institution but my escrow account keeps getting higher I 've had this escrow account for more than two years and I 'm told and they statements that I owe more monies Please help me to resolve this major issue and concern
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Account opening, closing, or management
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JP Morgan Chase Bank decided to end the relationship with me and will not give me any reason as to why. They will not tell me anything at all. They are going to close my account in 10 days. They have frozen my account and will not release my funds.
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Incorrect information on credit report
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I am forwarding to Chex Systems the police report. I am disputing XXXX items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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Incorrect information on your report
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I have two companies that are still showing open on my credit report. The accounts have been closed and the companies are no longer active. This is showing derogatory and needs to be removed.
XXXX XXXX XXXX XXXX XXXX this was taken care of already with insurance and was settled closed.
XXXX XXXX XXXX XXXX XXXX I have called the company and settled the debt already. And it was considered paid off and was suppose to be removed.
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Account opening, closing, or management
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BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a " minimum payment due.
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Shopping for a loan or lease
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Describe what happened so we can understand the issue ...
I did not give verbal and/or written permission for Bank of America to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.
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Managing the loan or lease
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I purchased a XXXX in XX/XX/XXXX but the finance company is not reporting my ON TIME payments to the credit bureau.
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Application, originator, mortgage broker
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Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One XXXX Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere.
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Disclosure verification of debt
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Bank of America Home Loans sold my mortgage loan to XXXX XXXX XXXX. The initial date of non payment was XXXX. XXXX companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt
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Cont'd attempts collect debt not owed
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I am being solicited for payment of a loan taken out online as of XXXX/XXXX/2011 per the Debt Collector First Recovery Remediation. I did not take any loans from online. I have requested information on said debt and they stated they have sent me information. I have not received any information on this. And, I continue to reiterate this is not my debt. I do not know what to do and they state they will take legal action.
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Problem with a credit reporting company's investigation into an existing problem
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Equifax knows about a security breach affecting nearly half the population of the United States and says nothing for at least a month. Why do I have to learn about this through random posts on social media? Why did they try to hide a arbitration clause in the site simply meant to inquire if I have been a victim?
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Incorrect information on your report
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My payment history is incorrect. Account has not been late.
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Disclosure verification of debt
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XXXX XXXX XXXX XXXX XXXX sold my mortgage loan to Select Portfolio Services. The initial date of non payment was XXXX. Both companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt
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Communication tactics
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I 've asked to cease communication with XXXX XXXX on several occasions but I continue receive written correspondence and telephone calls.
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Managing the loan or lease
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I spoke with a representative from the company and asked about credit reporting.
I asked if I would see it on my record because I had read online somewhere that it should. I was told it would show on there once it was paid off.
I did pay it off and it never hit my report. For the disgustingly high-interest rates these robbers charge, they can at least give you a bump on your credit, especially since it is the only option for some people who need a loan.
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Cont'd attempts collect debt not owed
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Continue to recieve calls from UCB in an attempt to collect a debt that does not belong to me. I have personally spoken to their representatives three times and each time have confirmed they have the wrong number and was told I would be taken off their call list. Today my wife began receiving calls from them as well.
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Cont'd attempts collect debt not owed
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Debt appears on my credit report for emergency medical services but services where never rendered to me, i live in texas and was working and can prove it. the debt was created out of state. this is clearly resulting from identity theft
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Struggling to pay mortgage
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In 2011 the said company, XXXX , failed to lower my loan amount to a comfortable payment. I paid them a substainable amount of money to no avail.
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Attempts to collect debt not owed
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The debt is not been collected by collection assigned by Macy 's because they do n't have no record of {$280.00} and {$540.00} as collection stated to Federal CFPB.
Why is Macy 's still trying to collect a debt that is not owed?
I have requested a proof of my application and evidence that credit card belongs to me but Macy 's Executive XXXX XXXX have n't supplied evidence with my official written signatures.
Not even evidence to CFPA.
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Advertising
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Netspend sent me an unsolicited prepaid XXXX. The document and card are misleading. I thought this was related to an irs scam as this is tax season and a common problem. Ultimately this looks like an elaborate and purposefully misleading ad. But that doesn't change the fact I spent hours trying to understand what is going on and that I needed to call to cancel the card I never asked for. This is ethically wrong if not illegal.
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Loan servicing, payments, escrow account
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RMS my reverse mortgage servicer sent me a letter stating that I had to get credit counseling. Which I did with XXXX XXXX XXXX. They faxed my budget over to RMS and said I qualified for a payment plan for my taxes. They said they would sent me a payment plan and coupons. They never did and the next thing I received was a letter from a lawyer saying he was retained to initiate foreclosure proceedings.
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Credit decision / Underwriting
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I have being discriminate cause of my not knowing to much on identity fraud so when i report it stolen no one care to help me. I have being acuse for things i didnt do an was denied of my benefits. I will like an investigation on all my financial an all records from all banks an have my righst givin back as well my morals an my integrity. Or i will star filling a federal courf law investigation
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Attempts to collect debt not owed
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The case number is XXXX its with northland group. they are debt collectors it is for original creditor XXXX XXXX. ENDING IN XXXX THIS IS NOT MY ACCOUNT,. I never OPENED THIS ACCOUNT WITH XXXX XXXX. I get a letter from these people every month wanting this and wanting that. Again this is not my debt.
my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX
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Cont'd attempts collect debt not owed
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I was informed that since I am receiving XXXX XXXX that my student loans ( all ) will be forgiven. Thank you for your time.
XXXX XXXX
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Delinquent account
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I am XXXX on XXXX and unable to make payments at this time. Kohn Law Firm has taken me to court on behalf of XXXX Bank for the balance. They call and send me mail daily threatening garnishment, lein on my property, going after my ex and further action. XXXX is also suing me for the same on a XXXX XXXX account.
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Incorrect information on your report
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There are many mistakes appear in my report without my understanding.
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Incorrect information on your report
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The loans are in not accurate They are also not reporting the correct amounts They are also duplicate loans on my credit report doubling the amount owed.
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Cont'd attempts collect debt not owed
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This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!
I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
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Incorrect information on your report
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I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.
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Other service issues
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On moneygram web site estimate for international money transfer fee showed {$18.00} but when the actual transaction took place it was {$32.00}. When asked why such a big difference in fees no answer was given except " an estimate is an estimate ''. When an actual fee turns out to be more than XXXX % of the estimate then it is no longer an estimate but a wild guess.
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Incorrect information on credit report
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An address that os not mine is on my TransUnion report
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Dealing with your lender or servicer
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I was forced to take their loan ..threatened to garnish my wages if I did n't pay
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Problem with fraud alerts or security freezes
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I have tried to put a credit freeze with Equifax multiple times onXX/XX/XXXX and then tried again on XXXX/XXXX/XXXX. I started the process both on the website and on the phone line. Each time I get an error says the system is down.
I was able to place a credit freeze with the other agencies ( XXXX, XXXX, and XXXX ).
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Improper use of your report
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My information ( SSN, address, DL, etc. ) was breached via hackers at Equifax at some point last year. Thus, my information was not protected and the only way I heard about it was through the media. Equifax downplayed the extent of the breach.
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Disclosure verification of debt
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Collection agency Meridian Financial Services is charging me a collection fee that is absorbent and unfair. Meridian Financial Services refuses to validate their collection fee practices. They are unwilling to show me documentation on their fee assessments and state I have no right to that information per representative
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Fraud or scam
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They called and pretended they were XXXX and offered to cut my bill down in XXXX if I opened up a debit card called NetSpend and paid my XXXX bill with it. They had all my information ; address, last XXXX of my social, what package I had, my monthly bill, etc. I called XXXX and they said they were not affiliated with NetSpend and that they are a scam.
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Cont'd attempts collect debt not owed
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Stuart Lippman located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX keeps contacting me regarding debt that is not mine, nor in my name. I have repeatedly asked them to stop phoning me and they continue to call. I have told them that it is illegal to continue to keeping bothering me about someone else and to please remove my number from their list. I was told they can continue to contact me even though I am not the person they are trying to reach.
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