Credit Reporting Services LLC

Was this discriminatory? Hi! Location: PA My son had an internship lined up for the summer with a local company. We are located in Pennsylvania. It was paid and is part of his college program of study. He reached out and secured the interviews etc after meeting this company at a job fair at school. He has paid for a summer class that accompanies the internship and was home from school with a week between the end of classes and starting the job. The company does background checks and drug testing. He has a state issued medical marijuana card, which he uses to help him sleep. He has held all sorts of jobs from restaurants to factories and never had an issue having this card or doing his job. The week leading up to the internship he gets a pre-advisory letter from the company stating they found something on his background check that needs further review. At the same time, they repost his internship to Indeed. A quick google search shows that pre-advisory notices under the Fair Credit Reporting Act allow for a reasonable time frame to discuss before a job offer is rescinded. He shoots off a quick email to everyone he knows at the company as the notice came with his drug screening results, showing marijuana in his system. He explains that he has a medical marijuana card and how it worked for his at previous employers and that it isn’t something he uses at work and it does not impact his ability to do his job. It should also be noted that he sent this company his paperwork from his physical that also indicated the us of medical marijuana 3 weeks before school ended. The company writes back the next day thanking him for his transparency and saying they don’t know if there is anything they can do but they will check. They then rescind the offer as they have a zero tolerance policy for drug use. It is my understanding that according to the Medical Marijuana Act, they cannot legally rescind an offer based solely on this. He is now

I received this text: Visit https://portal.halstedfinancial.com/ or call 888-883-0169 to take advantage of payment options on your outstanding balance of $689.73 for your Genesis FS Card Services Inc. assignee of Celtic Bank (Indigo Mastercard) (for which the current creditor is CKS Prime Investments, LLC) account. Pay: - $137.95 in up to 4 monthly payments. 80% off, that's a savings of $551.78! - Payments as low as $50.00 - $689.73 in up to 7 payments - One time payment of $689.73 This text is from Halsted Financial, a debt collector. The law limits how long you can be sued on a debt. Because of the age of your debt, CKS Prime Investments, LLC cannot sue you for it, and CKS Prime Investments, LLC cannot report it to any credit reporting agency. Reply stop to opt-out [BBB Scam Type: Debt Collections] [Business: Halstead Financial and Genesis FS Card] [Location: Charleston, SC, USA - 29414]

They called me telling me that i owe a large amount of money to a company, but i am actually taking care of it & I actually verified that i am doing so and they stated that World Processing is not. Also in searching the phone number call to me comes from Albuquerque NM and when i received an email from them another phone number comes up: (470)290-6302. They sent me a link to "pay" on a customer payment portal: with simplycollect.com which i did not do. they have threatened the following via email: additional notice of debt, negative credit reporting and/or legal action in their disclaimer in the email. plus other disclaimer about getting information. In the phone call, they threatened me with lawsuit, garnishing wages, taking away property to pay for the "bill". The email address they had on file was wrong, along with mailing address. I also noticed on their email at the bottom, it says click here to subscribe, in the first place i never subscribed, plus the account number they gave me has lower case "o" in place of numbers. which looks very suspicious. i searched online with their information and found that they are listed as a scammer and to report them which i am doing. [BBB Scam Type: Debt Collections] [Business: World Processing] [Location: Winslow, AZ, USA - 86047]

A Third party is misrepresenting my Credit Score and I might not get my dream apt. (NYC) Location: New York City I am moving as soon as I possibly can due to a recent breakup with my Girlfriend. I have found an absolutely perfect apt in Brooklyn that will allow me to get back on my feet and start rebuilding my life. It’s perfectly in the lower end of my budget and I was selected from the other potential tenets rather enthusiastically. The management company had me submit proof of income, and run a credit check that said it would be pulled from Trans Union. This was perfect because I happen to have a Trans Union account and know that my credit score with them is 770. I pay \~$20 to run the credit report. The next day the property manager calls me to inform me they have all of my information but that my credit report came back lower than they were looking for. I immediately thought I must have been the victim of identity fraud. So I quickly logged into my Trans Union account but it showed my credit score hadn’t changed. So I asked the building manager what the score he had was and he said it was in the 660s. I told him that was not correct and that I would send him my Trans Union report. He said he would have to run it by the building owners and now it appears I probably won’t get the apt. I inquired about what company handled the credit reporting and the building manger informed me they used a third party service which I won’t name that provides credit reports and other services to these property management companies. I called this third party service and while they confirmed they used Trans Union they were unable to address my concerns because I was not a property owner or apart of a property management company. The person I spoke to said their supervisor wasn’t even allowed to speak to applicants. Now I’m not sure what to do. Do I have any legal recourse available to me? Any and all help is appreciated

Stolen iPhone, and now fraudulent charges, coincidence? I apologize in advance for the length of this inquiry. My phone was stolen a few weeks ago. I immediately reported it as stolen, my Find My was already on. I filed a police report, and then filed the loss with AppleCare, at which point my phone was erased. I can still see my phone, just living its life in the city I live in. On Tuesday night, I received three separate emails from my bank informing me of three separate transactions, each in the amount of $106.99 at Riot Games (I guess?) I locked my debit card and called my bank immediately, and was able to file a dispute this morning. Early this morning, I was notified by Apple that two suspicious charges had been denied. These were for very small amounts and I was able to take care of that in my wallet. Initially I thought it was a skimmer situation, but with the attempted charges on my Apple Card, I’m wondering if all of this is somehow related to my stolen phone. I created a fraud alert with Experian, have yet to freeze my credit. Here’s where things get super complicated and I do not know what to do next. I legally changed my name in October, but my Experian account still has my former name. I never thought to address my name change with the credit reporting agencies, and I’m wondering if I am a victim of identity theft. I changed my name everywhere else, on my driver’s license, my social security card, all my bank accounts, and anywhere else I thought it was necessary. I’m trying to protect myself the best I can, I’m just not sure which steps I should take next. On the one hand, am I overreacting? On the other, am I not reacting hard enough?

RapidFundBridge sure seems scammy Since just over a week ago, I've been getting 2-3 emails a day from RapidFundBridge, an organization i've never transacted with, nor ever visited their website. The emails imply that I have an account, and say things like "Your account information has been updated" or "Review your latest account update" or "your borrowing limit has been increased" All have a link to "view your details", which of course, I have ignored. I suspect these are attempts to phish personal information. There are no inquiries or unexpected things in my credit report, I've got freezes applied to the credit reporting agencies anyway. Anyone else seeing this kind of activity from rapidfundbridge.com?

Text Message the reads as followed : Kentucky Transportation Cabinet (KYTC) Final Notice: According to our records, the traffic violation associated with your account remains unresolved. This is a final reminder that payment has not been received. In accordance with Chapter 186 of the Kentucky Revised Statutes , if full payment is not submitted by March 24, 2026, the following enforcement actions will be initiated: 1. Official violation recorded with the Kentucky Transportation Cabinet (KYTC) 2. Revocation of vehicle registration effective March 25, 2026 3. Suspension of driver's license for a minimum of 30 days 4. Referral of the outstanding debt to a collections agency, with an additional fee of up to 35% 5. Potential legal proceedings and adverse credit reporting To avoid these penalties, please settle your payment immediately through our official payment portal: https://ky.gov-xnt.cc/drive?var=xvBdCflCvi [BBB Scam Type: Government Agency Imposter] [Business: Kentucky Transportation Cabinet Date] [Location: KY, USA - 40229]

I received this email stating. Dear ********* ******, Thank you for your recent application for a lease. Your request was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason: Prior Lease Performance Our decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information. If you have any questions regarding this notice, you should contact Acima Leasing at 1-833-752-6276. Sincerely, Acima Leasing | Processing Department Notice: The Federal Equal Credit Opportunity Act prohibits discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under applicable law. The Federal agency that administers compliance with this law concerning Acima Leasing is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. I did not apply for anything nor did I authorize for my credit to be ran. [BBB Scam Type: Phishing] [Business: Acima leasing] [Location: FL, USA - 32304]

Landlord sent move-out charges to Collections Location: Buffalo, New York I moved out of off campus student housing in August 2025 with multiple roommates. Months later, I found out a $689 balance had been sent to collections and reported to my credit. I am disputing several of the charges, especially furniture replacement charges for a sofa and bedframe, because I was never shown proof that I personally caused the damage. Some charges are also split as “1/3” liability even though there were 4 roommates, including one who moved out earlier, so I do not understand how my share was calculated. I also do not remember receiving itemized move-out charges or supporting documentation around the time I moved out. I already requested validation from the collector, but they initially said they did not yet have the supporting documents and will get it from my landlord. I would like advice if anyone has encountered the same, the dispute process, and the best way to handle the collection and credit reporting. Do you think i should dispute this with credit bureau too? Please let me know.

Credit Card Fraud - How Do I Fix This? I'm not sure if this is the best place to post this but I'm already a member of this community so I thought I'd try here first. Hopefully this is relevant and allowed. Last year someone opened a credit card in my name fraudulently with CITI bank. The card was sent to my address and everything. I called CITI and they closed the account and I locked my credit with 2 of the 3 big creditors. This morning I get a notification from two of my financial institutions that I had another hard credit pull, looks like someone applied me for a credit card again through CITI. UGH! I've already been on the phone with them and had the account cancelled, but how do I stop this? Long term I think my credit score will be fine but it's definitely disrupting things in the short term. Actually communicating with the big credit reporting people is next to impossible. Does anybody have any advice for how to better protect myself and make sure this doesn't mess anything up for me?