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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 recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Improper use of your report
Several inquiries on my credit report which I did not authorize and/or recognize. Please remove these unauthorized credit inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Account opening, closing, or management
I opened a checking account as per the bank 's promotion offer in their website. After fulfilling the requirements, bank is not honoring the bonus saying the offer was n't applied correctly or it had expired when I used it. I actually have the copy of their promotional offer.
Communication tactics
I had a XXXX XXXX Credit Card that was charged off. I called them to settle debt they said that an attorney XXXX & XXXX I believe is the name had the debt phone number XXXX XXXX XXXX XXXX. I have called and left several messages and nobody has gotten back to me and I have no other way of getting a hold of them to repay my debt.
Cont'd attempts collect debt not owed
Debt was already to XXXX and account was satisfied by company paid Dynamic recovery has bought old credit report from third party.
Incorrect information on credit report
I have several inquires on my credit report that I did n't authorize. I did n't apply for credit or do any business with these company 's.
Other service problem
Ive been having trouble making transactions with XXXX, everytime i try to link my debit card it td bank keeps blocking me everytime i try to buy, even devit card saved under XXXX XXXX will not work this is causing me to lose money.
Managing an account
The funds are not being applied to the account. See attached documents for details.
Improper contact or sharing of info
I have asked this company to contact me on my personal cell phone after XXXX, twice. I can not take personal calls at work. I have spoken to a woman and a man & have stated this to XXXX them. I have received a phone call from this number everyday with an automated voice mail. The company is global credit and collections corporations XXXX
Disclosure verification of debt
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.
Attempts to collect debt not owed
I requested for Mercedes Benz Financial Services to audit my account that I believe that I had already paid. XXXX XXXX sent me letter on XXXX XXXX, XXXX stating that everything checked out. However, upon checking my XXXX credit report I discovered that a payment in the amount of {$24000.00} that was made in XXXX XXXX did not show up on my statement. It also revealed that I was paying for 2 cars.
Credit reporting company's investigation
Credit Reporting, Victim of TransUnion inquire issues. I called and spoke to customer service and they were n't willing to take of the issue. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX.
Identity theft / Fraud / Embezzlement
I ordered grass sod at XXXX but I have called to customer service and canceled it. a couple of days later, they charged me so that I called to complain and request for getting a refund on first week of XXXX. but they said grass sod already shipped out so they could not refund. I never got sod since i called and canceled on end of XXXX, also I called to customer service many time but always I had a same answer.
Problem with a credit reporting company's investigation into an existing problem
I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.
Problems caused by my funds being low
I was charged {$35.00} for XXXX overdraft fee 's for charges less {$10.00}. I am going though financial medical hardship.
Improper use of your report
LexisNexis is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.
Improper use of your report
I was one of the 143 million people impacted by Equifax 's latest breach back on X/2017. Thus having to spend XXXX dollars of my own money to freeze my credit. These reporting companies need to be held accountable for the massive amount of data that is stored, as the end user has very little recourse about the data that is stored on them, that can greatly impact their lives if the data falls into the wrong hands.
Incorrect information on credit report
Medical collections that was removed by company has been re-inserted as a collection on my credit report
Cont'd attempts collect debt not owed
I was a victim of identity theft and noticed a collection from FOCUS RECEIVABLES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FOCUS RECEIVABLES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Cont'd attempts collect debt not owed
1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
Problem with a credit reporting company's investigation into an existing problem
Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.
Money was taken from your bank account on the wrong day or for the wrong amount
they send me an email states the money is coming out on fri and then they don't take the paymnt for at least five days esp. if weekends involved and once when It didn't clear they charged me a XXXX fee for late pymnt when it s their fault and I was assured then when I paid the late pymnt that wouldn't happen again and continues to happen
Problems caused by my funds being low
I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account.
Managing the loan or lease
my car loan company County financial is charging me {$2000.00} more on interest even when I have send an extra amount for late fee.
Incorrect information on your report
The company XXXX XXXX XXXX is a company I 'm not familiar with. They illegally put wrong information on my credit report. I filed 100 etc reports and will continue. Next I will be filing with the BBB. They refused CFPB direct contact stating they are a third party and refused to work with them. I feel with the breach my information was compromised. This company is fraud. I do n't owe any outstanding debt to anyone.
Incorrect information on your report
United Acceptance is reporting this vehicle, which was a voluntary repossession, wrong. They are showing a Balance of {$9200.00} and a Past Due of {$13000.00}. This makes no sense. We should owe the balance of what they sold the car for minus what we owed on it. If we owed {$9200.00} then the past due MUST be less than {$9200.00}. This makes no sense. Please have it report correctly
Problem with a credit reporting company's investigation into an existing problem
After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.
Improper use of your report
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on mor e than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.
Incorrect information on credit report
Equifax is reporting a 2 month old delinquent mortgage payment when in fact I have not been late on a payment in years.
Incorrect information on credit report
I sent certified letters to the credit bureaus as well as the creditor. They both responded that the information is being reported correctly. The delinquent accounts were paid over a year ago and the creditors agree there is not balance yet the items are still showing delinquent at the credit bureaus. XXXX loans with XXXX and XXXX account with XXXX
Attempts to collect debt not owed
I have contacted this companies ( XXXX XXXX & XXXX XXXX XXXX ) about these debts, they have fail to provide me with the : Original application or contract, Any and all statements allegedly related to this debts, Any and all signed receipts, and any and all cancelled checks, in accordance with the debts collection practices acts section 1692G.
Communication tactics
getting constant calls, ,i have no idea what the debt is, and wont tell me
Billing disputes
Discover Bank is trying to sue me in court for a Discover Card that has incorrect balance, we have asked many times for a complete listing of all charges and balances but have never received any of them. The balance is way above the card credit limit and is not valid. Please contact the debt collecting law firm XXXX , XXXX XXXX XXXX at XXXX xt. XXXX to stop this unfair lawsuit at once.
Incorrect information on your report
BANK OF AMERICA ACCOUNT NUMBER ENDING IN XXXX XXXX DATE OPENED ON XX/2014, IS REPORTING ONE LATE 30 DAY ON MY CREDIT REPORT THIS IS AN ABSOLUTE INACCURATE INFORMATION, PLEASE HAVE ALL THREE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THIS LATE. I HAVE THE LETTER ATTACHED ( APPROVAL LETTER ) FROM BANK OF AMERICA, TO SOLVE THE PROBLEM BUT THE REPORTING AGENCIES SUCH AS XXXX AND XXXX ARE NOT COOPERATING PLEASE SOLVE MY PROBLEM THANK YOU
Disclosure verification of debt
Ledger documented duplications and errors, never received actual hospital bills
Problems caused by my funds being low
I miscalculated and my account went overdrawn. Based on posted debits, only XXXX debit caused the account to go overdrawn. However, I was charged for XXXX overdrafts.
Incorrect information on credit report
I have a collection account listed with XXXX. I have not had an account with them for years and I 've received solicitation stating how bad they want me back. I fulfilled my account with them and have not been contacted. This is the first I 've seen this. I 'm disputing this and I want it removed.
Incorrect information on your report
XXXX XXXX XXXX XXXX is reporting collection account for {$11000.00} past due as of XXXX XXXX. I disputed with reporting agencys this is not my account. I was not in Country during this time. They are reporting joint with XXXX XXXX. I have filed disputes requesting documentation this is my account, I have not received. I have sent documentation showing such. Reporting agencys continue to mark as remain.
Improper use of your report
I have credit inquiries on my credit report from USAA dated XXXX XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX that I did not authorize.
Improper use of your report
i did not request a look for any credit information about me.
Communication tactics
The company, Capital One NA is contacting my cell phone ( my cell # XXXX ) everyday at 30 times per day, calling me after XXXX XXXX and using several phone numbers as follows : my area code is XXXX-The communication tactics are deceiving, misrepresenting/who is contacting my phone with my area code ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Charged fees or interest I didn't expect
Lender sold my account to another company called XXXX XXXX XXXX at XXXX ext. XXXX
Loan servicing, payments, escrow account
Real Time Resolutions Inc. [ RTR ] collected mortgage payments from me illegally after XXXX XXXX XXXX closed ( wrote off ) my mortgage.
Incorrect information on your report
I have filed a complaint against XXXX where they are reporting that Capital One says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with Capital One XXXX. They came back and now show this as a debt to " XXXX XXXX '' who is listed as a " debt buyer '' with original creditor as Capital One XXXX. Capital One XXXX is fraudulently reporting that I have done business with them, when I have not.
Dealing with your lender or servicer
I 've been waiting 4 months for Fedloan Servicing to process my IBR Plan request. I 've now been forced to place a forbearance on my account due to their negligence. An Employee on the phone asked me to upload a new application. I just uploaded my new IBR Plan application to their site through my account. Let 's see if they process it or decline with another XXXX excuse.
Closing your account
XXXX XXXX closed my XXXX XXXX account as soon as I paid it off in full. There reason was because of what the credit bureau reported to them. I had not once been late with a payment to this account and I had enrolled in automatic payments to assure that the account would be paid monthly and on time. I 'm very confused!
Incorrect information on credit report
There is an XXXX account for the amount of XXXX on my credit account to an address I did not live in. I did authorize XXXX service nor should this account be on my credit report.
Improper use of your report
On XX/XX/2017, Equifax announced that the data of 143 million Americans had been stolen. They have indicated that my data is likely included in this breach. ( https : //www.equifaxsecurity2017.com/ ) The negligence here is astounding. Now, both time and money will be taken from me as I set up security freezes with the 3 major credit reporting companies in order to protect my financial future.
Disclosure verification of debt
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
Credit reporting company's investigation
Issue was not resolved, and collections companies ( XXXX and XXXX XXXX ) continue to show on my credit report. Are hospital bills allowed to show on a credit report? A law was recently passed to prohibit this practice.
Disclosure verification of debt
I have this debt on my credit report from an apartment complex. I believe the apartment management team wrongfully inflated the closing costs when I had an emergency and had to move. They have not sent me proper documentation to dispute the debt. They also kept my security deposit and pet fees.
Problem with a credit reporting company's investigation into an existing problem
XXXX XXXX XXXX, account # XXXX is currently reporting on my credit report stating that I owe # XXXX. O XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX for {$520.00}. As of XXXX/XXXX/XXXX, the check has been cashed and through disputes XXXX XXXX XXXX and the credit bureaus fail to properly update that this account has a XXXX balance and was settled.
Attempts to collect debt not owed
This company is charging for a balance that I do n't owe. I have never been to this company and they report a {$66.00} charge on my credit report to all XXXX agencies.
Problems caused by my funds being low
Bank of America continues to process transactions in a way that charges the most fees. They have done it 2 more times for my account, costing {$150.00} the past month for these greedy pigs. They do it on card charges despite that being outlawed, they are despicable people that take as much as they can.
Written notification about debt
I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.
Written notification about debt
Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report.
Improper contact or sharing of info
I am on the DO NOT CALL REGISTRY yet I received a call from " Convergent Outsourcing '' regarding debt collection, but my credit history is excellent. The number they asked me to call is XXXX. After looking on the internet, I see a lot of people have complained about this number as well. Please do something about this organization.
Disclosure verification of debt
Was not notified before going this was submitted to go to court, nor do I know what the collection is referenced to. The court order allowed this law firm to get payment directly from my bank account and had in fact depleted my son 's savings account to which I have not a clue as to how they were able to get his account number.
Credit reporting company's investigation
I requested a Security Freeze from Equifax twice because I was a victim of ID Theft. I am also a senior citizen. They have failed to place a security freeze and send me a pin. I sent in XXXX 2015 and XXXX 2015 and when I call they just try to sell me monitoring or try to make me pay for the security freeze.
Problems when you are unable to pay
ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny.
Problem with the payoff process at the end of the loan
They repossessed my suv this morning and it 's paid off.
False statements or representation
reply : i'am reporting a dispute against this company as fraud this account is not my account however it's very much incorrect this info also it's has been many complaints on this company on my credit report on this date XX/XX/2016 with this amount of {$940.00} this action was taken by this company : may action be taken?
Dealing with my lender or servicer
I am requesting { again } all activity regarding my loan from its inception in XXXX through today. I have received some information from this company, but not everything I requested. Also, the dates on the spreadsheet are completely out of sequence ie XXXX, XXXX, XXXX all mixed together. Please send everything IN CHRONOLOGICAL ORDER so I can unravel it. Thank you.
Incorrect information on credit report
I have several XXXX XXXX XXXX accounts that were opened in XXXX and closed in XXXX. I always had a good payment history with XXXX XXXX. Recently I checked my Trans Union credit report and it showing negative reporting on my XXXX XXXX accounts. I would like this information to be updated correctly.
Credit determination
I contact Capital One to Report my Credit Loss the representative XXXX indicated when she put in my social security number nothing comes. Can you please tell how that so when I have credit with Capital One. Pleas review Capital One system and check for my Credit Card and make sure they working within the Federal Regulations.
Getting a loan
I enrolled using my GI Bill and somehow ended up with a XXXX loan out of the deal. I did n't know much about the whole college thing when I went in and had thought I made it clear to my counselor that I did n't want to incur any debt. Now I owe on some education that never even benefited me due to a debt that I never asked for. The counselor told me the GI Bill would pay for everything. I signed some paperwork but I did n't know it was for a loan.
Incorrect information on credit report
TransUnion continues to report currently late payments and a balance on an account with XXXX Bank, although XXXX sold our account to a junk debt buyer and ceased operations in XXXX. My family is being held hostage by this inaccurate reporting. The company sold the loan account and went out of business ... how on earth could they still be reporting late payments currently?
Unable to get credit report/credit score
I TRIED TO GET A FREE CREDIT REPORT AND I FOUND OUT SOMEONE HAD BEEN USING MY INFORMATION TO GET CREDIT.
Cont'd attempts collect debt not owed
my name is XXXX : the medical bill was to be paid by insurance but it was never paid. Now Merchants Credit Guide send it to my credit report as unpaid, which has been {$56.00} ; which i paid it directly to the hospital because i want it to be off my credit report, but the collection company still keeps on putting as unpaid and in my credit report. I may be contacted at XXXX or XXXX
Disclosure verification of debt
I never received a letter or bill to my residence regarding this debt. Upon finding it on my credit report I contacted the collection company and requested further documentation to prove my debt via certified mail. It has been a month since I have yet to hear from the collection company. This medical collection is unrecognizable and is invalid due to lack of information. Collection company had failed to provide evidence.
Dealing with my lender or servicer
When I signed up for XXXX XXXX I was under that this was the best career to go into. They did not explain that I would end up paying over XXXX. I did not understand the interest on the balance.
Incorrect information on your report
I 'm trying to dispute a name listed that I never went by ( XXXX XXXX XXXX XXXX XXXX, but there website wo n't let me submit the dispute and they have an excessive hold time on the phone.
Incorrect information on credit report
I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them.
Incorrect information on your report
I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.
Incorrect information on credit report
XXXX XXXX XXXX This account : 1. Was opened XX/XX/2015 2. Was closed in XX/XX/2015 XXXX. Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance 4. Is missing its balance history for the duration of the time the account had been open 5. Is missing Payment Data for the duration of the time the account had been open 6. Has erroneous comments added - to this and almost all of my accounts.
Took or threatened to take negative or legal action
i have a collection account opened XXXX XXXX, 2017, Amount XXXX i recently have gone through financial hardship. I have explained to them my situation, i have very little experience with collection.
Cont'd attempts collect debt not owed
Portfolio Recovery is still reporting a collections account as opened. This was taken care of in the past as my other credit report shows and the XXXX credit bureau has removed the trade line completely. The balance is zero on the account yet it shows as the account is still open.
Incorrect information on your report
I have asked the credit reporting agency experian to investigate information that 's incorrect on report. I do n't believe they even investigated anything accounts all should be in bankruptcy. Experian will not srnd me any validation stating legal obligation to any of the accounts that are incorrect. Experian will not send me payment history. Furthermore no account shoulf have negative remarks my bankruptcy is now discharged.
Cont'd attempts collect debt not owed
CREDIT CONTROL CORP is reporting on my credit report. IT SHOWS A ZERO BALANCE BUT THE DEBT SHOULD NOT BE REPORTING ON MY " XXXX CREDIT REPORT
Incorrect information on credit report
Experian reinserted previously deleted information without notifying me as required by the FCRA. They are also reporting inaccurate information on my credit file. They have violated multiple consumer protection laws.
Cont'd attempts collect debt not owed
It appears that there are Liabilities on my credit report that do not belong to me. Such as Cavalry Port expenses, XXXX XXXX Card Expenses, XXXX XXXX expenses, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
Other
I became aware of several charges on a Bank of America card. I contacted Bank of America asking them to validate the debt. They did not respond. Account was removed from my credit reports. Bank of America still reported the debt to the IRS.
Incorrect information on your report
Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. Midwest Recovery listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
Problem with fraud alerts or security freezes
I was the victim of identity theft. I reached out to Experian to place a 90 day fraud alert on my file. They refused to initiate the alert. They wanted me to provide by certified mail a copy of my government ID and a utility bill before they would initiate the alert. I did not experience this pushback from XXXX or XXXX.
Incorrect information on credit report
I have some things on my credit report that is not mines. I have XXXX account that is more than 10 years old ( XXXX ). I have disputed before but Experian refuses to review information or delete. I also sent them information from XXXX were they have deleted the info. Experian says they do n't do what other credit companies do and will not review their info.
Cont'd attempts collect debt not owed
I just got a notice from a debt collector claim I owe {$120.00} but I can settle for {$44.00}. I dropped sprint in 2006 for bad service and bill was paid. Also, there is a statue of limitations. I do not owe this debt and it should be on my credit report. This company has not verified the debt. Also, the debt collector did not address what to do if this debt was not valid.
Credit reporting company's investigation
Multiple inquiries are on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquiries are still there. The credit bureaus said invalid dispute or verified inquiry.
Incorrect information on your report
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.
Communication tactics
Kohl 's Credit Card Department has called XXXX to XXXX times a day for months now after I informed them that I will be paying the bill off in the near future.
Problem with a credit reporting company's investigation into an existing problem
I have been disputing an account from XXXX that was a paid off and company agreed to remove the close account which XXXX and XXXX have removed but transunion keep coming back as verified. I have sent proof to transunion that the account have been removed from the others to please follow suit and they have not complied
False statements or representation
Made payment arrangements but XXXX XXXX XXXX agaent did not inform me that at the end of the first payment arrangement another would need to be setup. I ask for phone records but they did not comply with my request to listen to the conversation. Instead they gave me their findings without my involvement.
Closing an account
The credit union closed my overdraft account without consulting me. They send me emails to apply again, which keeps going against my credit. I keep on getting denied.
Dealing with your lender or servicer
They left me on income based driven while I was in school three years. And will not adjust my account
Problem with a credit reporting company's investigation into an existing problem
In correspondence dated XX/XX/18 I sent this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. This is the frivolous account ; XXXX XXXX XXXX XXXX Account # XXXX
Incorrect information on credit report
I have contacted Capital One Auto Finance, several times since XX/XX/XXXX, as well as contacting the credit agencies to inform them that there are duplicate credit inquiries on my credit report. I have asked both to remove the duplicate entry. It was reported on my credit report as of XX/XX/XXXX. All I am asking is for the duplication to be removed ; however, the lending agency has ignored my previous requests.
Incorrect information on your report
my account is in error which is reporting 30 days late for XXXX XXXX.
Problem with cash advance
I recently was offered a product by paypal a line of credit which isnt a line of credit. The line of credit is only advanced when paypal feels it should be
Billing disputes
Just signed up for a new credit card for a second optional card for both myself and husband. It was Bank of America, XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it, Bank of America says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards, plus they want the {$150.00} again.
Incorrect information on credit report
On my Equifax Credit Report, the account " XXXX XXXX Bank '' should totally be removed. It was already removed from XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Incorrect information on your report
I am a victim of identity theft. I have a fraudulent and unauthorized XXXX credit card account listed on my XXXX XXXX, XXXX and Experian credit report. The XXXX credit card account ending in : XXXX with a balance of {$6000.00} is fraudulent and unauthorized. The account do not belong to me. I did not apply for the XXXX credit card account ending in : XXXX. I have never applied for a XXXX credit card account.