Texas Consumer Complaints

Review and Analysis of over 39,562 financial product complaints in Texas

Most Complaints
by company in Texas

CompanyComplaints
Experian3,940
Equifax3,283
Bank of America2,836
TransUnion2,638
Wells Fargo2,151
JPMorgan Chase1,930
Citibank1,743
Capital One1,083
Ocwen1,061
Nationstar Mortgage 622
GE Capital Retail 608
TransUnion Intermediate Holdings, Inc. 582
Encore Capital Group 572
Ditech Financial LLC 476
BBVA Compass 370
Amex 342
U.S. Bancorp 317
Navient 302
Enhanced Recovery Company, LLC 299
Portfolio Recovery Associates, Inc. 296

New Complaints in Texas


TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft

September 4, 2019 - I have been arguing with Transunion for 3 months now trying to remove all fraudulent information from my report. I have submitted documentation multiple times and and spoken to multiple reps explaining that my identity has been compromised. However, they still refuse to remove items from my report. This is in violation of section 605B of the FCRA law, that protects me as a consumer. I have also submitted paperwork to the creditors listed on my paperwork to now avail. My identity was stolen by someone who is not benefiting from my personal information and I am the one who is left to pay the ch...

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WELLS FARGO & COMPANY Mortgage struggling to pay mortgage

September 2, 2019 - I am requesting a one time 30 day courtesy foreclosure postponement. I've never been reviewed or considered for payment assistance options in the past. I've faxed in a complete payment assistance application packet to Wells Fargo directly and the foreclosure office - - -. I was unable to submit this application through the Wells Fargo online banking portal, " loan tracker '' as this feature was not available online as stated it was through the Wells Fargo online website. I am requesting a foreclosure postponement to be granted by either Wells Fargo or the foreclosure office -...

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Capital Accounts, LLC Debt collection attempts to collect debt not owed debt is not yours

July 13, 2019 - : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof...

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Security Credit Services, LLC Debt collection written notification about debt notification didn't disclose it was an attempt to collect a debt

April 17, 2019 - Account showed up on my credit report that I have no ideal about. Never heard of this company. Never signed a contract with this company. Information should be deleted from my credit report asap....

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HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

April 1, 2019 - I have Fraud Alert on all 3 credit bureau. On - - 2019 I received an emil that 2 collection accounts were added by - - - ( - ). I contacted - several time, they have very rude agents. I have attempted to to clear this up and get removed from my credit report but they keep telling me that they do not have any accounts under my name or SSN. Please see attached credit report showing 2 collections from -. I then contacted the original creditor - - - - - - ' ( - - - - - - ), talk to them several times but each time they told me that ...

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ProCollect, Inc Debt collection threatened to contact someone or share information improperly talked to a third-party about your debt

February 28, 2019 - I was previously represented by an attorney ; however, I told them on multiple occasions that I fired the attorney, but they wouldn't believe me. I was attempting to pay, but could not because they wouldn't talk to me or give me info to pay online....

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Master Finance Company Debt collection attempts to collect debt not owed debt is not yours

January 14, 2019 - After reviewing my credit profile on -/-/- I identified a discrepancy with account listed under Master Finance. I requested a validation on -/-/- as there was an account that I did not recognize. I reviewed my credit report again on -/-/- and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on -/-/- I sent a direct dispute to - -/- requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Cred...

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ProCollect, Inc Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

January 9, 2019 - This company has threatened me and placed fraudulent collection on my credit report....

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CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 3, 2019 - FTC NOT MINE REMOVE...

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Capital Accounts, LLC Debt collection false statements or representation attempted to collect wrong amount

December 4, 2018 - CAPITAL ACCOUNTS violated federal law by not notifying me within ( 5 ) days before they REQUESTED this account to be INSERTED on my credit file pursuant to 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material. Although this is not a refusal to pay ; however, your noncompliance within the ( 30 ) day time frame is a violation of both the federal and state law according to the disclosure requirements of the Fair Debt Collection Practices Act and the Uniform Commercial Code ; yet, CAPITAL ACCOUNTS fail to meet the legal requirements ...

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SUNTRUST BANKS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft

November 22, 2018 - Creditor is reporting accounts that are invalid and unverified. - have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again....

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LJ Ross Associates Debt collection attempts to collect debt not owed debt is not yours

November 5, 2018 - 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and st...

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Eastern Account Systems of Connecticut, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 4, 2018 - This company Eastern Account System is trying to collect $350.00 from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to ...

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Source Receivables Management LLC Debt collection attempts to collect debt not owed debt is not yours

November 4, 2018 - This company Source Receivables Management is trying to collect $250.00 from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Source Receivables Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual ...

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United Revenue Corporation Debt collection attempts to collect debt not owed debt is not yours

October 9, 2018 - united revenu corp states that i owe them $1200.00 dated -/-/18 acct number -. I have no knowledge of this account, please have them remove this...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt is not yours

September 8, 2018 - I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. The issue is with all three bureaus as well as the following collection agencies : - -, -, - - and -. Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. o - - dated, -/-/18 and mailed certified -/-/18. o...

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Dynamic Recovery Solutions, LLC Debt collection attempts to collect debt not owed debt is not yours

September 4, 2018 - Dynamic Recovery Solution is correspondence and claiming that I owe for an account for - - and - - - not owed....

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Pacific Union Financial, LLC Mortgage applying for a mortgage or refinancing an existing mortgage

July 27, 2018 - Pacific Union Financial They have taken - dollar 's from us and - - for Apprasails because the loan went from Conventional to FHA. We started the process in -/-/- of 2018 and is now -/-/- of 2018. They have given us 3 differnt close dates and we have spoke with 5 different employees that work for Pacific Union Financial out of the - - location and we were told one of the 5 is no longer with the company due to the way she handled our loan process in the begging. - -, - -, - -, - -, - -. None of these employees have been able to close our lo...

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Delta Management Associates, Inc. Debt collection attempts to collect debt not owed debt is not yours

July 17, 2018 - I have been receiving calls on my cell phone from Delta Management Associates. I have spoken to two different representatives. They are trying to collect a student loan for a - - College, which I never attended. I assume they are calling because I have the same name as the person who owes the debt. The first representative confirmed it was not my debt by my date of birth. The second wanted my social security number also, which I refused. They continue to call me almost daily. They call from what appears to be a local number, but the callback number is - ext -...

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Pacific Union Financial, LLC Mortgage trouble during payment process

July 12, 2018 - A little more than a year ago I refinanced my mortgage with my original mortgage company. Since the refinance the company has sent me my statement late. This past month statement, I received in the mail -/-/- and it was due the next day on -/-/-. I have contacted them many times and have been told that " they aren't responible for how slow the mail is '', or " my statement is always available online '', or " i don't need the payment coupon to send in my statement ''. The last excuse is that " the statements are a coutesy. '' All these excuses may sound resonable except I dont always ...

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I.C. System, Inc. Debt collection attempts to collect debt not owed debt is not yours

July 11, 2018 - To whom it may concern : I have several collection accounts on my file from a collection agency named IC SYSTEM the accounts are as follows ( ). Please be advised that I am disputing these collections due to the fact that IC SYSTEM has not responded to my requests for debt validation within the required 30 days. I sent IC System letters requesting debt validation via certified mail using the following receipt numbers - - - - - and - - - - -. These letters were delivered on -/-/18, it is now -/-/18 and I have received - communication in response to my valida...

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TENET HEALTHCARE CORPORATION Debt collection attempts to collect debt not owed debt is not yours

July 9, 2018 - This account repeatedly appears on my credit file and it does not belong to me....

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Paramount Recovery Systems, L.P. Debt collection attempts to collect debt not owed debt is not yours

June 19, 2018 - The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this ...

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Convergent Resources, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

May 25, 2018 - On --18 I have sent a, ask to validate so called debt I owe to the creditor and the bureau I have yet to properly receive anything from the debt collector themselves. According to the Texas state secretary website - - Does not have a active surety bond to collect in the state of Texas. Please assist in removing this from my credit reports....

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WELLS FARGO & COMPANY Debt collection written notification about debt didn't receive enough information to verify debt

May 4, 2018 - I contacted Wells Fargo to pay my debt and requested a letter showing that I paid my debt. I received the letter from Wells Fargo but the wording on the letter does NOT clarify that my debt is paid in full and that there is a - balance on my account. The letter states that " Upon receipt of valid funds we would update our records to indicate the account is settle ''. I've call several times requesting a letter clarifying that my debt is settle in full but the representatives keep rejecting my request, I've ask to speak to a supervisor and the reps tell me he is at lunch and on another call ...

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Capital Accounts, LLC Debt collection attempts to collect debt not owed debt is not yours

April 25, 2018 - Hello, I have received several calls attempting to collect a debt for someone who does not live in my house or at my number. I have had this number for several years and I have asked Capital Accounts to stop calling and the person does not live at my address and this is not their number. They continue to call. One gentleman insisted he spoke to this person at my number which is incorrect....

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HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

April 7, 2018 - I have been contacting this company for almost 2 years and informing them that I do not owe for this debt. I went to the emergency room due to - - but due to an extended wait time I left the emergency room and was never seen by any physician. The company agreed by phone to remove the debt several times but has failed to do so, in fact the company has posted this debt under my credit file! I need this matter addressed with CFPB because attempts to rectify it on my own have been unsuccessful. Please advise!...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection attempts to collect debt not owed debt was result of identity theft

March 2, 2018 - CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME....

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ERC Debt collection attempts to collect debt not owed debt is not yours

February 23, 2018 - I spoke with - - -, a Debt Collector on -/-/- about this account listed on my Credit Report. They said that the Creditor was -. I informed them that I do not have and never had a - Account. They said for me to call -. I call - on -/-/-, they transferred me around, and finally the lady ask for my Social Security Number. I said no I will not give you my Social Security Number, she informed me that she could not look up any information without my Social Security Number. So she said, you would have to dispute it to the Credit Reporting Companies and they would call ...

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JH Portfolio Debt Equities, LLC Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

February 9, 2018 - JH Portfolio Debt Equities reported a debt on my credit and i have no idea who they are. I have sent several letters validation and or proof of my signature on any documents, paperwork, Ect. I have not heard back from them and its still on my report. I'm going to fight this to my last breathe. Beware of : JH portfolio debt equities. - - - - - -, MO -...

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The CMI Group, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

January 11, 2018 - My name is - - last four of my SSN are -. Date of birth is -/-/- Address is - - - - tx -. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine....

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Texas Guaranteed Debt collection attempts to collect debt not owed debt is not yours

January 4, 2018 - Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified...

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Collections Acquisition Company, Inc. Debt collection attempts to collect debt not owed debt is not yours

December 6, 2017 - I recently discovered that - -Payliance is reporting a debt of $200.00 on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting - - the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but - - keeps stating that they have verified this debt...

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Allied Interstate LLC Debt collection communication tactics frequent or repeated calls

November 3, 2017 - Debt collection company making robocalls to random people based on just a last name match. I have a common last name! They call everyday!...

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HCFS Health Care Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

November 2, 2017 - The aforementioned credit collection agency representing - - - - - has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : - - and - The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ACCOUNT RESOLUTION SERVICES does not have any documentation, they need to retract thi...

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Collections Acquisition Company, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

August 8, 2017 - My name is - - last four of my SSN are -. Date of birth is -/-/- Address is - - - - T- -. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine and that this be updated as dis...

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WELLS FARGO & COMPANY Consumer Loan managing the loan or lease

April 21, 2017 - I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due - , - , - , - , - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me....

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WELLS FARGO & COMPANY Bank account or service account opening, closing, or management

April 21, 2017 - An unauthori zed Personal Line of Credit was opened by Wells Fargo. The y were contacted, admitted fault over phone, closed account, and opened another unauthorized line of credit. It is char ging 8 percen t interest and deducts $65.00 out of my account automatically without authorization. They have been contacted over the phone and in writing but will not resolve the problem....

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Cottonwood Financial Ltd. Payday loan payment to acct not credited

April 19, 2017 - Account sold to - party and now they are harassing myself and my family. The are threatening violence and jail. Calling all hours of the day each time with different threats. State they are coming after me at my home and place of work....

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Credit reporting improper use of my credit report report improperly shared by crc

April 17, 2017 - I DID NOT AUTHORIZE THE INQUIRIES FROM FIFTH THIRD BANK OR - THAT ARE NOW ON MY TRANSUNION CREDIT REPORT. I APPLIED FOR AN AUTO LOAN FROM -, AND THEY DID AN INQUIRY WHICH I AUTHORIZED. AT THAT TIME, THEY APPLIED FOR CREDIT IN MY NAME AT THE OTHER INSTITUTIONS. I DID NOT AUTHORIZE THEM TO DO THAT. SIMPLY PUT, THIS IS FRAUD. THE INQUIRY FROM - IS VALID, BUT I WANT THE FRAUDULENT INQUIRIES THAT WERE MADE IN MY NAME REMOVED, AND SANCTIONS AGAINST WHOEVER IS RESPONSIBLE FOR THIS ILLEGAL ACTIVITY. PLEASE RESPOND AS QUICKLY AS YOU ARE ABLE TO, SINCE MY ATTORNEY IS ALSO WAITING ON THE RESULTS...

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Medical Society Business Services, Inc. Debt collection disclosure verification of debt not disclosed as an attempt to collect

April 17, 2017 - I happened to check my FICO score tonight and noticed it plummeted, then I proceed to order my credit report. To my surprise, I have a medical debt, in which it took some digging before I realized I have missed a bill. Apparenly, what I paid to - hospital is separate from the Physician bill, in which the - has made a poor effort of communication to me regarding the separate charges since -/-/2016. And the Bureau of Medical Economic has made a poor attempt in collecting from me, I have yet to receive the bill, I do n't even know the account number of which I owe. The bill is only $340....

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Experian Credit reporting incorrect information on credit report information is not mine

April 13, 2017 - I have very directly requested an investigation to determine if I am a victim of Identity Theft or bank fraud. After not receiving proper verification as is required by Experian under Section 609 of the FCRA Experian is now in direct violation of the law. Federal law very clearly states that Experian is to provide " physical inspection of documentation '' when requested by consumer. Experian has not done this and must delete - - from my report as it clearly is not mine and unverifiable upon request....

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ProCollect, Inc Debt collection false statements or representation attempted to collect wrong amount

April 13, 2017 - In 2014, my husband and I lived in an apartment complex for a few months personal issues happened where we had to leave. Almost 3 years later we decided to get a credit report for personal reasons and noticed an extremely large debt with a debt collector. Within the years they did not notify us what so ever. Last month we reached out to them and they provided us " verbally '' a list of things we supposedly owed when I asked if they could work with us they said no. We were not going to pay such an amount with no proof of this debt, no notification of debt, and the fact that it has been years an...

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Experian Credit reporting improper use of my credit report report improperly shared by crc

April 13, 2017 - Upon being denied from a lender for " too many inquiries '' from - report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian immediately and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of th...

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First Continental Mortgage, Ltd Mortgage loan servicing, payments, escrow account

April 12, 2017 - Around - - I encounter a family funeral expense and could n't pay my VA Mortgage on - - and I made contact with First Continental /-. On a recorded conversation on a landline from my cell phone # - with First Continental rep stated that I can be provided support on - - mortgage payment of $1700.00. I respectfully requested a deferment of my Va mortgage payment of $1700.00 for - - and $1700.00 be placed on my loan payoff, because my - Agent - of -, Texas has listed my home for sale on the - to payoff for the VA loan of $250000.00. First Conti...

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HCFS Health Care Financial Services, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

April 12, 2017 - Agency is repeatedly reporting false information on consumers credit report. There has been no verification of contract or agreement between consumer and this creditor, therefore the collection agency should not be reporting. Verification of contract needs to be produced to verify obligation by consumer....

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Bank of America Mortgage credit decision / underwriting

April 12, 2017 - On -/-/-, I contacted - - at Bank of America to apply for a Home Equity Line of Credit. I currently have a Home Equity Line of Credit with Bank of America for $ -. The draw period expires -/-/-. The available credit on the line is $ -. - told me my rate would be prime plus .- and my house should appraise around $ -, so I could receive 70 % of the home value. A couple of weeks later, I was contacted by - -. Issue 1 : - stated my rate would be prime plus .230 % and could not provide any explanation for the difference in rate. Issue 2 : - stated my hous...

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Round Point Mortgage Mortgage loan servicing, payments, escrow account

April 12, 2017 - This is in rebuttal to previous complaint - against RoundPoint Mortgage. First off regarding the response I get back- There are six indiscretions already and two more if you count the ( not once but twice ) incorrect addresses by which you sent the certified letter. Is n't it easy to see why I have to raise the complaint to another level. The one issue that raises the biggest concern is this- You service the loan for - and in light of the unusual circumstances and legal issues surrounding this case, do n't you think it is deserving of this situation to inquire instead of blindly assume...

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Experian Bank account or service making/receiving payments, sending money

April 11, 2017 - This is a complaint against - - - filed by - -. I have been a customer with - - - since -/-/2015. Since this time they have shown to be unethical. Totally disrespect I have direct deposits and every time I would receive a direct deposits I would notice money missing from my accounts even when I was n't using the card. In -/-/- I had to get a print out of my transaction history. For - when I looked at my transaction history I notice money was being paid to Experian Credit, - - and - which I had not authorize. I contact - - - filed a dispute ag...

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Synchrony Financial Credit card identity theft / fraud / embezzlement

April 11, 2017 - A credit card was opened with my name and social security number. The credit card company is Synchrony Bank, also known as a Wal-Mart credit card....

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Experian Credit reporting incorrect information on credit report information is not mine

April 11, 2017 - The company is - account number # - for $700.00. It has original creditor is -. However during the time this account was opened i was in prison. I also advised the address thats tied to the account is not mine etiher. They are refusing to remove and saying it has been verified...

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Barclays PLC Credit card billing disputes

April 11, 2017 - During the evening on -/-/2016 while in - - I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of -/-/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card comp...

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Citibank Credit card identity theft / fraud / embezzlement

April 10, 2017 - Citi Best Buy keeps letting fraud happen on my account. They keep balances on the old card numbers when they reissue the new card numbers. I have outstanding transactions that need to be credited- - from - on -/-/- and on -/-/-, a transaction from Best Buy that was n't supposed to be. I have called numerous times, even to the Executive Offices but they wo n't do anything....

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Medical Business Bureau Debt collection disclosure verification of debt not given enough info to verify debt

April 10, 2017 - Re : Medical Business Bureau : I have not received any notifications to validate the medical debt for date of service -/-/2014 by mail, telephone, or email. They have not been able to provide proof that I have signed and accepted responsibility for the debt they have placed on my credit report. I have requested that they remove this erroneous information from my credit report and they have not, instead they report back to the credit bureaus that I am responsible for this debt without explanation. Re : - - : I have also contacted the original creditor - - and ( - ) advised that...

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Credence Resource Management, LLC Debt collection disclosure verification of debt not given enough info to verify debt

April 10, 2017 - To Whom It May Concern : REF : Intent to file suit : violation of the FCRA and the FDCPA I have sent - previous letters to you, all via the CFPB portal to ensure proper delivery ( see all previous complaints filed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that this accounts information is invalidated and that you violated the Fair Debt Collections Practices Act by ignoring my requests to investigate this account. My previous letters all sent via the CFPB portal stated my reasons for an investigation and t...

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Loan Care Mortgage loan servicing, payments, escrow account

April 10, 2017 - My loan transferred to Loan Care in -. They boarded the loan incorrectly saying that I did not have a homestead exemption. They failed to notify me and failed to maintain my homestead exemption per RESPA requirements. I have now overpaid my taxes by over $1000.00 since - and they continue to raise my escrow payment. I had to go work with the - County Central appraisal district on my own to the the exemption updated for - and -, however they would not do anything for me on - and -. I expect Loan Care to fund my escrow account for - and - for the amount I was overpai...

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Experian Credit reporting credit reporting company's investigation no notice of investigation status/result

April 10, 2017 - I sent in a multiple inquiry removal letter on -/-/2017 in regards to - hard inquires that are being reported on my credit report, they received the letter ( certified ) on -/-/2017 and they completed the request on -/-/2017 The - hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that ...

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TransUnion Intermediate Holdings, Inc. Credit reporting credit reporting company's investigation no notice of investigation status/result

April 10, 2017 - I sent in a multiple inquiry removal letter on -/-/2017 in regards to - hard inquires that are being reported on my credit report, they received the letter ( certified ) on -/-/2017 and they completed the request on -/-/2017. The - hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that...

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report information is not mine

April 9, 2017 - Recently attempted to purchase a car and got news of the state of my credit report. There has been a credit card and several banking/financial setbacks on my credit. The only items attributed to me are : student loans, - phone cancellation charge, and late payment to -....

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TransUnion Intermediate Holdings, Inc. Credit reporting incorrect information on credit report public record

April 9, 2017 - I initially sent a dispute as the info on my TransUnion Credit Report is inaccurate as it related to a Chapter - Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agen...

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