5627005
|
2022-06-02
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
Issue |
Struggling to pay your loan
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Denied request to lower payments
|
Sub Product |
Lease
|
Date Received |
2022-06-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-06-02
|
Complaint What Happened |
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
Consumer Consent Provided |
Consent provided
|
|
3997975
|
2020-12-08
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL 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 |
2020-12-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-12-21
|
Complaint What Happened |
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX.
On XX/XX/2019, CRESCO CAPITAL add a hard inquiry on my credit report per XXXX.
On XX/XX/2019, XXXX/XXXX add a hard inquiry on my credit report per XXXX.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
Consumer Consent Provided |
Consent provided
|
|
5695754
|
2022-06-21
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2022-06-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-06-21
|
Complaint What Happened |
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
|
Consumer Consent Provided |
Consent provided
|
|
4061385
|
2021-01-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL 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 |
2021-01-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-01-27
|
Complaint What Happened |
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification.
On XX/XX/2019, CRESCO CAPITAL add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
Consumer Consent Provided |
Consent provided
|
|
3978240
|
2020-11-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL 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 |
2020-11-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-11-27
|
Complaint What Happened |
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX.
On XXXX 2020, CRESCO CAPITAL add a hard inquiry on my credit report per XXXX.
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
Consumer Consent Provided |
Consent provided
|
|
5578031
|
2022-05-18
|
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 |
CRESCO CAPITAL 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 |
2022-05-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-05-18
|
Complaint What Happened |
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
Consumer Consent Provided |
Consent provided
|
|
3022289
|
2018-09-18
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Auto debt
|
Date Received |
2018-09-18
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-09-18
|
Company Public Response |
Company disputes the facts presented in the complaint
|
Consumer Consent Provided |
N/A
|
|
3461983
|
2019-12-08
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
Issue |
Struggling to pay your loan
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Lender trying to repossess or disable the vehicle
|
Sub Product |
Lease
|
Date Received |
2019-12-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-12-08
|
Complaint What Happened |
On XX/XX/2019, my XXXX XXXX was repoed due to miscommunication. I've been leasing with Cresco capital since XX/XX/2019, never had any major issues with my case manager XXXX. In XX/XX/2019, my truck broke down with electrical issues. After the big breakdown, there was another case manager assigned to manage my case ( XXXX, XXXX ). Soon as I took the truck to the XXXX shop for repairs, I contacted her immediately to update her on the breakdown of the truck. Gathered all information on the cost of the repairs, which totaled out to {$3200.00}. She automatically assumed I couldn't afford the cost at the time and called the dealership to hold all repairs until money was payed up front. Due to the delay of her phone call, my truck has been down for 3 weeks ( almost a month ). I asked to speak with her supervisor in order to get to a solution with payment and the breakdown. She gave me a hard time for two weeks straight into speaking with someone of this matter. After I've paid the {$3200.00} in repairs, I kept calling trying to do a payment arrangement due to bank change information. I really wanted to speak with someone else in this time of need. All I wanted was to make my payment after a {$3200.00} fix on the truck plus {$220.00} for new brake drums. No one was willing to get in contact with me until the last minute ( emails but no calls ). No calls were made at the time to resolve any issues. Soon as I logged in to make payment on the truck XXXX locked me out of my account until the tow truck picked up the truck. She told me they will give me a call and still no calls were given.
|
Consumer Consent Provided |
Consent provided
|
|
5577993
|
2022-05-18
|
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 |
CRESCO CAPITAL INC.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Problem with personal statement of dispute
|
Sub Product |
Credit reporting
|
Date Received |
2022-05-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-05-18
|
Complaint What Happened |
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
Consumer Consent Provided |
Consent provided
|
|
3395526
|
2019-10-04
|
Managing the loan or lease
|
Vehicle loan or lease
|
|
Issue |
Managing the loan or lease
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Problem with fees charged
|
Sub Product |
Lease
|
Date Received |
2019-10-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-10-04
|
Consumer Consent Provided |
Consent not provided
|
|
4142999
|
2021-02-16
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL 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 |
2021-02-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-02-16
|
Complaint What Happened |
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CRESCO CAPITAL Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
|
Consumer Consent Provided |
Consent provided
|
|
5231897
|
2022-02-17
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2022-02-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-02-17
|
Consumer Consent Provided |
Consent not provided
|
|
5812189
|
2022-07-26
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL 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 |
2022-07-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-07-26
|
Complaint What Happened |
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I
|
Consumer Consent Provided |
Consent provided
|
|
5651031
|
2022-06-09
|
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 |
CRESCO CAPITAL 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 |
2022-06-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-06-09
|
Complaint What Happened |
The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
|
Consumer Consent Provided |
Consent provided
|
|
3983245
|
2020-12-01
|
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 |
CRESCO CAPITAL INC.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Investigation took more than 30 days
|
Sub Product |
Credit reporting
|
Date Received |
2020-12-01
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-12-01
|
Consumer Consent Provided |
Consent not provided
|
|
4077628
|
2021-01-19
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL 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 |
2021-01-19
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-01-19
|
Consumer Consent Provided |
Consent not provided
|
|
5564028
|
2022-05-15
|
Struggling to pay your loan
|
Vehicle loan or lease
|
|
Issue |
Struggling to pay your loan
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Vehicle loan or lease
|
Sub Issue |
Denied request to lower payments
|
Sub Product |
Lease
|
Date Received |
2022-05-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-05-15
|
Complaint What Happened |
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Cresco capital XXXX. XXXX XXXX {$59000.00} Late payment becouse the sold me a truck with many mechanic problem and they no help me with a payment plan and now the reporting XXXX Late payment in my credit report and it is affecting me and my family life XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, ia XXXX Phone XXXX
|
Consumer Consent Provided |
Consent provided
|
|
5188952
|
2022-02-04
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Credit inquiries on your report that you don't recognize
|
Sub Product |
Credit reporting
|
Date Received |
2022-02-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-02-04
|
Consumer Consent Provided |
Consent not provided
|
|
4002351
|
2020-12-10
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
CRESCO CAPITAL INC.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive notice of right to dispute
|
Sub Product |
Auto debt
|
Date Received |
2020-12-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-12-10
|
Consumer Consent Provided |
Consent not provided
|
|