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My husband and I have been married for 18 years and live in the same house but on different floors. He resides in the basement, which is an in-law apartment. His girlfriend has been living there without any rental agreement for over two years, even though she has her own apartment through Section... View More 
answered on Mar 9, 2025
My answer is only directed towards her taking out a cable bill and other debt in your name. I will let someone else address the other issues raised. You can file a police report and a FTC Fraud Affidavit detailing that these accounts were not taken out by you. From there, you'll want to... View More
I discovered an account in collections on my credit report that was fraudulently opened using my SSN. I reported the identity theft to my local police department and disputed the account with Experian, which removed it. However, Transunion has not removed it, and as I'm applying for a... View More
answered on Feb 25, 2025
I would contact a consumer protection attorney familiar with the Fair Credit Reporting Act to determine if there is an actionable claim against Trans Union. If there is an actionable FCRA claim, there's a chance that this increased interest rate can be used as damages but tough to determine... View More
answered on Dec 16, 2024
You should immediately dispute the issue with the bank (and preferably in writing). You'll likely also want to complete a police report to give to the bank to verify the identity theft and respond accordingly if the bank asks for any follow up information from you. Keep track of everything on... View More
I filed a complaint with the Insurance Regulatory Agency and received a very nasty letter saying I was responsible for the "services provided" to this person I have never met and does not live in my house. Geico told me to provide proof the person had insurance, which clearly I cant... View More
answered on Dec 10, 2024
I would ask Geico what consumer report that information came from and then contact the company to get a copy of that report. Sometimes insurance companies get this information from Lexis Nexis but could be somewhere else. The CFPB has a list of some consumer reporting agencies:... View More
No details regarding amount, if in state or not and they told me "We don't know if this is really you." After freezing my credit, submitting a report to the FTC, Honda Financial & taking time off of work to file a report with Local Law Enforcement, they still would not provide... View More
answered on Oct 2, 2024
I would certainly recommend contacting a consumer protection attorney as soon as possible that will offer a free consultation. It appears that you disputed this information with Honda Finance but I would also recommend disputing the information with the credit bureaus. You'll want to send the... View More
This dispute involved the same set of facts and documents. Since it involved 2 charges, 2 separate reviewers were assigned to my dispute. One reviewer granted a permanent credit for 1 charge. The other reviewer closed the dispute for the 2nd charge without a credit and said I was responsible for... View More
answered on Jun 13, 2024
I would contact a consumer protection attorney that is familiar with the Truth in Lending Act. Depending on the circumstances, you may have a case and a consumer protection attorney will likely offer you a free consultation and may not charge you anything up front if there is a case to bring.
These people pretended to be my bank and called me saying my account was compromised. Said they would move my money to a secure account and they verified info. Needless to say, I got scammed as they made several charges on my debit card and even took out a loan on my account. Idk why my bank... View More
answered on May 14, 2024
I would consult with an attorney familiar with the Electronic Funds Transfer Act. Your ability to recover may be fact specific and will likely be tied to your dispute with your bank. If you haven't disputed the transactions with your bank yet, do so immediately. I would make a written dispute.
I might have a case for this but I wanna make sure...
answered on Apr 26, 2024
In order to get procedures from a credit reporting agency, you'll likely need to sue them and ask for the procedures in discovery. They will likely only hand them over under a protective order. I would contact a consumer protection attorney that is familiar with the Fair Credit Reporting Act.
Today I get an email from att that says that att has determined some of my information was compromised.
Can I sue att for not having the right tools to guard my personal info?
answered on Apr 16, 2024
Contact a consumer protection attorney that will offer a free consultation. Happy to talk.
You’ll want to dispute the account with Chase, as well as with any credit reporting agency that is reporting that account on your credit report. You should be able to pull your Experian, Equifax... View More
answered on Apr 5, 2024
If it is the bank that originally loaned the money, it will likely depend on your state's consumer protection laws. If it is from a third party debt collector, it is likely governed by the Federal Fair Debt Collection Practices Act. I would consult with a consumer protection attorney as many... View More
I didn’t find out about my ruined credit until the lawyer had closed my case and I went for a home equity loan. The late payments only show when they are doing a credit check for real estate. I bought a new car with no problem. Now I can’t fix my house and sell it to move closer to family. I... View More
answered on Mar 15, 2024
There's a possibility that this timeshare company was only reporting to 1 or 2 of the credit bureaus and the auto loan company only pulled credit reports from 1 or 2 of the credit bureaus (or have different guidelines for approving a loan such as using the "middle score") but when... View More
I would like to know if I can sue a privately owned car dealership for conducting a hard credit check on me without my consent, which negatively impacted my credit score. I discovered this unauthorized check about 6-8 months ago through my Experian account. I asked the dealership to remove the... View More
answered on Mar 9, 2025
Contact a consumer protection attorney familiar with the Fair Credit Reporting Act. It's tough to say without knowing all the details. If you haven't done so, I would also dispute the hard inquiry on whatever credit report is showing the hard inquiry.
I discovered via a credit check that my name was mistakenly placed on a mortgage that should be under my parent's name. I am making payments on this mortgage. This error has severely limited my pre-approval to purchase a home due to its impact on my credit report. How can I address this... View More
answered on Mar 9, 2025
Dispute it with the credit reporting agencies and the mortgage company reporting the information and detail that you are not on the mortgage. You can also reach out to a consumer protection attorney familiar with the Fair Credit Reporting Act to assist and review this.
I settled a debt with a credit card company, and they agreed to charge it off. The last payment was made on April 27, 2022, and I have a canceled check showing it was deposited on April 28, 2022. However, this amount is still showing as past due on my credit report and is accruing interest.... View More
answered on Mar 7, 2025
Contact a consumer protection attorney familiar with both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act for a consultation. Keep records of all of your disputes, as well as the proof that the debt has been paid. Let me know if you have any questions.
I am dealing with a debt collector who has contacted my family members over ten times in the past two months, despite me having sent two emails requesting them to stop. The debt collector has provided the name of their company, and I have documentation of their calls and my emails. What steps can I... View More
answered on Mar 6, 2025
Contact a consumer protection attorney in Wisconsin familiar with the Fair Debt Collection Practices Act. Keep all of the records you have available to provide to the attorney. Let me know if you have any questions.
My home burned down and i got an insurance check deposited to my cashapp account. 2 days later 16,566.71 was transferred to a card i didn't authorize to be linked to my card. I have disputed the unauthorized card and transfer 5 times and cashapp keeps denying my claim. I have done everything... View More
answered on Dec 16, 2024
Contact a consumer protection attorney to review the situation and the documents you have available.
I had a car loan with Credit Acceptance starting in Feb of 2020. I refinanced my car in November 2022. Now they have reported an open car loan over 90 days late. Experion said they have recorded the loan closed but can’t do anything about the 90 day late claim which is false. I really need a... View More
answered on Jun 7, 2024
You can contact a consumer protection attorney that is familiar with the Fair Credit Reporting Act. You'll want to check with your new loan company to ensure they paid the old loan off timely.
The returned the provisional credits and have not been able to provide me with documentation that shows I made those purchases. I get a letter stating that my card and pin were used...I filed a police report but after refiling and reappealing I am stuck with almost 1000 in these charges.
answered on May 8, 2024
Contact a consumer protection attorney that is familiar with the Electronic Funds Transfer Act. Also, keep track of all disputes you have made and the bank's responses.
They told me they would file a warrant to have me arrested in 24 hours if I didn't pay over 2k. This is the 3rd or 4th different lawyer to reach out. I realize that I should stop responding. Is this a scam? I am getting that vibe now.
answered on Apr 30, 2024
Without knowing more, it sounds like a scam. This sounds like a common scare tactic that is used by scammers.
Debt collector gave me fake account number. original clinic said that the account number they gave me isn’t the one they have on file. The clinic gave me the actual account number that the collection agency has. I then called back the collection agency and then said that account number and it... View More
answered on Mar 17, 2024
Get in touch with a consumer protection attorney and see if they will offer a free consultation. Make sure to keep all potential evidence you have available for the attorney to review.
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