|
11795060
|
2025-01-28
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Installment loan
|
| Date Received |
2025-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
|
|
11126588
|
2024-12-12
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-12
|
|
|
7290861
|
2023-07-22
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-07-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-23
|
| Complaint What Happened |
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of thi consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!
|
| Consumer Consent Provided |
Consent provided
|
|
|
6198862
|
2022-11-13
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11079947
|
2024-12-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3423142
|
2019-10-30
|
Charged fees or interest you didn't expect
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Older American
|
| Issue |
Charged fees or interest you didn't expect
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-11-05
|
| Complaint What Happened |
My problems is with Preferred Credit, Inc Account # XXXX. I have always paid on time and more than the minimum payment. However, my bill has always indicated a past due amount in the upper right corner of the bill. I contacted the company at least three times and it was never address. Also, the balance is constantly more than the amount I do actually owe. I spoke with them about that too with no success in getting the matter resolved.
I would greatly appreciate some oversight intervention from your agency on my behalf. Thanks in advance!!
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3015858
|
2018-09-11
|
Incorrect information on your report
|
Credit card or prepaid card
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2018-09-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-09-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2657876
|
2017-09-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2017-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-04
|
| Complaint What Happened |
Back in XXXX 2017, Upon reviewing my credit report via XXXX, I noticed a several negative debts on my credit reports. I disputed them with the Credit Bureaus. All the negative times were removed except the company, which is the subject of this complaint. The company name is " Preferred Credit. '' Credit Bureau told me to contact the company. I followed up with the company, provided them with police report and my identifications. They refused to resolve my dispute, citing there is nothing to indicate that I 'm not responsible. When asked on what basis they reached that conclusion, they are unable to convey a direct and logical response. I have consulted with a lawyer ( " XXXX XXXX, XXXX. ) who told me to contact the CFPB as a condition precedent to filing legal action. I have made a request for Reproduction of Documents upon which the company reached their conclusion of " no indication of fraud '' but have yet to hear from them. Please contact the company and instruct them to remove the negative item from my credit report which is the result of identity theft.
Impostors have used my name on several occasions and based on the documentary evidence in my possession, the credit collectors have cooperated and cleared my name. However, Preferred Credit has been unfairly intransigent in their attempt to frustrate me into paying for something that I have no knowledge of. They are affecting my credit in the meantime and refused to turn over documents to me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7873757
|
2023-11-18
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-11-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-18
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1334793
|
2015-04-17
|
Managing the loan or lease
|
Consumer Loan
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2015-04-17
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-04-21
|
| Consumer Consent Provided |
N/A
|
|
|
8913241
|
2024-05-03
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-05-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8430833
|
2024-02-27
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-27
|
| Complaint What Happened |
I received a credit alert regarding my debt. When reviewed, I noticed that a water softener installed in my home is reporting as a revolving charge account. The problem with this is that I made a 1-time purchase, signed a contract with fixed monthly payments of {$120.00} per month at 11.99 %. There was no charge card provided for me to continue using the available credit because it is not a line of credit that is re-accessible and there arent any products or services that I can purchase. There is no website or menu to purchase from. I do not have any other reasons to use this account. Again, this was a 1-time purchase, with fixed payments, no card to use because there are no other services or parts that I can order from this company. I called and discussed all of this with the lender and they refused to make any adjustments to how this account is appearing on my credit report. It has affected my score significantly because it looks like I have {$9000.00} more in credit card debt as a result of this water softener purchase. This should be reporting as an installment loan, not as an open revolving charge account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1861220
|
2016-04-01
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-04-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-05-13
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7258049
|
2023-07-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2023-07-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-07-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6349509
|
2022-12-21
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem canceling credit monitoring or identify theft protection service
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-21
|
| Complaint What Happened |
When I send this company on my credit I filed my first dispute on this company that when I received my first letter from this company. This was XX/XX/2016 I was in identity theft in 2016. I don't know I was in identity theft until I filed my taxes. I call this company talk with an representative when talking with with that person I thought it was a credit card company. I was told it was a company that sells pots. I'M NOT COMING TO PAY OVER XXXX DOLLARS ON SOME POT. I was told to send then an letter from my local XXXX Department. I send them a copy of the letter. This still on my credit I keep trying to filed a dispute on this company now I can not filed a dispute on this company to get off my credit. If this was my bill I will had paid it. I'm not going to pay something I don't know about.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5206573
|
2022-02-10
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-02-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-02-10
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5155894
|
2022-01-27
|
Credit monitoring or identity theft protection services
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Credit monitoring or identity theft protection services
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Problem canceling credit monitoring or identify theft protection service
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-27
|
| Complaint What Happened |
I have been disputing the late payments showing on my account for PREFERRED CREDIT INC which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1692881
|
2015-12-11
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2015-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-12-16
|
| Consumer Consent Provided |
Other
|
|
|
3112920
|
2018-12-30
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-12-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-12-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3068719
|
2018-11-07
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with a credit reporting company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Difficulty submitting a dispute or getting information about a dispute over the phone
|
| Sub Product |
Credit reporting
|
| Date Received |
2018-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-11-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3911737
|
2020-10-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2020-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-10-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5086028
|
2022-01-07
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
9050494
|
2024-05-20
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-05-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8721143
|
2024-04-05
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Installment loan
|
| Date Received |
2024-04-05
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-08
|
| Consumer Consent Provided |
N/A
|
|
|
8958556
|
2024-05-08
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-05-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-08
|
| Complaint What Happened |
XXXX came to my house and showed me the water test when I considered getting a water system. Upon the completion of the water test, i informed the dealer that I have no plans of getting their water system and even filed a complaint with all XXXX companies that they do business with. I never needed financing for the water system that XXXX sells and at no time authorize XXXX to send my information to a different company requesting finance options. I told the dealer prior to leaving my house, that I was NOT interested in the water system their company provides. Now a year later, I reviewed my credit report and Preferred Credit , Inc. placed an inquiry on my credit report which is in violation of the Fair Credit Reporting. At no time did I give this company authorization to place an inquiry on my credit report or view my credit report. I have attempted to request any documentation or record that the company claims to have proving authorization to place an inquiry or view my credit report and was not provided any. Instead I was provided a one page document that the company drafted that states what they believed happen in reference to the inquiry being placed. NO PROOF of authorization was provided.
I submitted ( XXXX time ) another complaint requesting the document with my signature showing that I authorized Preferred Credit , Inc to inquire and review my credit. The document was not provided, instead they provided a screenshot of my basic information manually inputted into their system. Nothing was provided with my signature on it.
I also called Preferred Credit , Inc. to discuss my concerns about them fraudulently obtaining my information and submitting a credit inquiry. The representative explained that the information was partially submitted by the dealer and no document with my signature was ever receive. The representative put me on hold and requested authorization from manager, the manager approved the representative request. The representative stated that the account would be completely closed and for me to dispute the inquiry with the bureau ( Its only reporting on one bureau, not any others ) and it will be removed. She stated that if I have further issue to call the company back. Now receiving this as a response, demonstrates the lack of communication between departments.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8882676
|
2024-04-29
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-29
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4211893
|
2021-03-14
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-03-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-14
|
| Complaint What Happened |
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen.
These are the fraudulent accounts : XXXX XXXX that opened last XX/XX/XXXX, PREFERRED CR that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4242399
|
2021-03-24
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-03-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-03-24
|
| Complaint What Happened |
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen.
These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11941689
|
2025-02-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-02-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-06
|
|
|
12418499
|
2025-03-11
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2025-03-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-11
|
|
|
12287383
|
2025-03-03
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
PREFERRED CREDIT INC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2025-03-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-03-03
|
|
