Reviews
109
Average
Response rate
0%
Resolution rate
0%
Anonymous
My bankruptcy has been filed. TransUnion removed payment history/missed payments but Equifax and Experian refused to remove this from my credit filed
Anonymous
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Anonymous
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.
Anonymous
I am submitting this complaint to dispute late payment information currently being reported on my credit report that I believe is inaccurate. These entries do not accurately represent my payment history and may be negatively affecting my credit standing. I respectfully request a thorough investigation into these reported late payments and ask that any information found to be inaccurate, incomplete, or unverifiable be corrected or removed promptly. I appreciate your timely attention to this matter and look forward to a resolution that ensures the accuracy of my credit file.
Read full reviewAnonymous
I have reviewed my credit report and found unverified items., it includes Collection accounts, Incorrect Personal Information and Credit Inquiries that are negatively affecting my credit standing.
Anonymous
* * Re : Demand for Reinvestigation and Description of Procedure Used * * To Whom It May Concern : I received your response to my CFPB complaint stating that you " contacted the data furnisher ( s ) '' and that the disputed information was " verified as accurate. '' A statement that the furnisher verified the account is not sufficient to satisfy your obligations under the Fair Credit Reporting Act. Pursuant to * * 15 U.S.C. 1681i ( a ) ( 7 ) * * and * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, I request a complete description of the procedure used during your reinvestigation, including : 1. The name, address, and telephone number of every person or entity contacted. 2. The method of communication used ( e.g., e-Oscar, telephone, mail, electronic transmission, or other ). 3. The specific documents, records, or evidence reviewed by Experian. 4. The date each communication occurred. 5. An explanation of how Experian independently determined the accuracy and completeness of the disputed information rather than merely accepting the furnisher 's response. If your reinvestigation consisted solely of forwarding my dispute to the furnisher and relying on its verification, please identify the statutory authority permitting such action as a reasonable reinvestigation under the FCRA. If you can not produce documentation demonstrating that the disputed information was independently verified as accurate and complete, I demand that the disputed information be deleted pursuant to * * 15 U.S.C. 1681i ( a ) ( 5 ) * *. Please provide your written response within the time permitted by the Fair Credit Reporting Act.
Read full reviewAnonymous
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.
Read full reviewAnonymous
I am writing to formally dispute false, inaccurate, and unverifiable information appearing on my consumer credit report. After multiple reviews and failed attempts at proper reinvestigation, it has become clear that your continued possession and transmission of this data constitutes criminal misuse of my personal identity under 18 U.S. Code 1028A Aggravated Identity Theft. Your agency is using my name, Social Security number, date of birth, and other identifying information to distribute false and unverifiable data, such as alleged late payments, incorrect balances, and other negative account information. Despite prior notices disputing these entries, you have continued to furnish this data without producing : Any original contracts or applications, Complete payment records, Or legally admissible proof of the validity of the derogatory entries. As a result, you are knowingly publishing and transmitting false data tied to my personal identity without lawful authority. The continued use of unverifiable information attached to my identity after dispute, and your failure to lawfully validate it constitutes aggravated identity theft under federal law. While some accounts may have originated from me, the inaccurate negative information being published now is false, lacks verification, and is being attached to my identity in a misleading and harmful manner. You are knowingly attributing inaccurate financial behavior to me, damaging my reputation, and using my PII to falsely profile me in violation of federal and consumer protection statutes.
Read full reviewAnonymous
I am filing this complaint to dispute an unauthorized inquiry on my credit report. I never authorized, requested, or consented to this credit pull and have no relationship with the company responsible. This is a clear violation of my rights under the FCRA. I demand an immediate investigation and permanent removal of this inaccurate inquiry.
Anonymous
I am exhausted, frustrated, and overwhelmed by this ongoing issue. Despite repeatedly attempting to resolve these inaccuracies, the false reporting continues, causing significant financial hardship, damaging my credit, and creating ongoing stress. My concerns have been consistently ignored, and I should not have to continue suffering the consequences of inaccurate reporting.
Anonymous
I am filing this complaint regarding a hard inquiry that appears on my consumer credit report. I do not recognize, recall authorizing, or providing written instructions permitting this company to access my consumer report. Therefore, I dispute the permissible purpose for the inquiry and request a thorough investigation.
Anonymous
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.
Anonymous
I was mislead into giving away personal information that become a problem for my credit.
Anonymous
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and, Proof of Address, and SS Card.
Anonymous
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and, Proof of Address.
Anonymous
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.
Anonymous
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.
Read full reviewAnonymous
Im working hard to buy a house as soon as possible, but the issues on my credit report are making things really difficult. One of the biggest problems is that my name and other personalinformation dont match exactly across my ID and other documents.Ive attached the letters and ID documents needed to help update my information. Fixing these details would make a big difference and help me move forward.I also plan to start my own business in the future, but these mistakes have been holding me back. This situation has affected my life in many ways, and getting it corrected would mean a lot to me.
Read full reviewAnonymous
Im personally filing this complaintthere is no third party involved. Im disputing false and misleading information on my credit report.Ive been trying to buy a home, but these errors are holding me back. While Ive tried to be patient, the lack of response from the credit bureaus feels unprofessional and frustrating.This has caused stress and delayed important life plans. Please review the uploaded letters and take immediate action to correct the issue.
Anonymous
I have no documentation indicating that I agreed to or accepted responsibility for this account.
Anonymous
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.
Read full reviewAnonymous
The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) states that fair and accurate credit reporting is essential to the banking system, and inaccurate reporting impairs its efficiency. I recently reviewed my consumer report and discovered an incorrect late payment on this account, despite the fact that I have never been late. This inaccurate reporting violates the Fair Credit Billing Act and the Truth in Lending Act, including 15 U.S.C. 1666b, which require accurate reporting and timely correction of errors. Please investigate this matter and, if you can not provide documentary evidence of any late payment, promptly correct the account to reflect on-time payments in full compliance with the law.
Read full reviewAnonymous
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.
Anonymous
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Anonymous
According to FCRA section 605 B its illegal to report anything on my credit without my permission.
Anonymous
This account is currently reporting late payments that are inaccurate and do not reflect my true payment history. The reported delinquencies are causing ongoing damage to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 1681i, credit reporting agencies and furnishers are required to maintain maximum possible accuracy and conduct a reasonable investigation when information is disputed. Despite my dispute, the inaccurate late payments continue to be reported without proper correction.
Anonymous
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Equifax to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.
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This complaint arises from the consumer reporting agencys failure to provide a complete and legally sufficient Method of Verification ( MOV ) in response to my dispute and request for reinvestigation. Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), I requested a detailed explanation of the procedures used to verify the disputed information appearing on my consumer report, including the specific method of verification employed, the identity of any furnishers or individuals contacted during the investigation, and the documentary evidence relied upon to substantiate the accuracy and completeness of the reported information. Despite this request, the consumer reporting agency has failed to provide the requested information or any competent and verifiable evidence demonstrating that it conducted a reasonable and legally compliant reinvestigation. The FCRA imposes an affirmative duty on consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and, upon request, to disclose the method of verification used to confirm the accuracy of the information being reported. A conclusory statement that an account was simply verified does not satisfy these statutory obligations without supporting evidence explaining how the verification was performed, what procedures were followed, and what records or documentation were reviewed. In the absence of competent and verifiable documentary evidence establishing the basis for the agencys verification of each disputed item, the continued reporting of such information undermines the accuracy, reliability, and integrity of my consumer credit file. Moreover, the agencys continued reporting of disputed information while failing to provide the requested verification details or supporting documentation demonstrates an apparent failure to maintain reasonable procedures to assure the maximum possible accuracy of consumer information, as required by 15 U.S.C. 1681e ( b ). Information that can not be substantiated through competent and verifiable records should not continue to appear on a consumer report. The agencys failure to provide a legally sufficient Method of Verification and supporting evidence is inconsistent with its obligations under the FCRA and warrants regulatory review and appropriate corrective action, including the deletion or correction of any information that can not be properly verified through competent documentary evidence.
Read full reviewAnonymous
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately. Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
Read full reviewAnonymous
I am filing this complaint regarding an unauthorized account appearing on my consumer reports. I dispute the accuracy and validity of this account because I did not apply for, authorize, or consent to this account being opened or used in my name. The presence of this account has caused significant harm to my credit profile and has impacted my ability to access fair financial opportunities. I believe my personal identifying information was used without my permission, and I am requesting a complete investigation into how this account was created and reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to have consumer reporting agencies conduct a reasonable reinvestigation of disputed information. I am requesting that the credit reporting agencies and the data furnisher : 1. Conduct a thorough investigation of this account. 2. Provide all records used to verify the account, including any signed applications, agreements, and identity verification documents. 3. Remove and permanently delete the account from all consumer reporting agencies if it can not be verified as accurate and legally attributable to me. 4. Correct any related derogatory information, late payments, collections, or balances associated with this unauthorized account. I further request that the company responsible for furnishing this information explain the permissible purpose for obtaining and using my consumer information and provide evidence supporting its authority to report this account. I respectfully request a prompt resolution, removal of the inaccurate account, and written confirmation of the actions taken to restore the accuracy of my consumer credit files. Thank you for your attention to this serious consumer matter.
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