Credit Reporting Services LLC

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?

Wisconsin DMV Notice: Final notice style: citation unpaid; balance not satisfied. Per Wisconsin enforcement rules, past-due status after April 8, 2026 may cause: Recorded non-compliance in DMV systems Hold or suspension affecting vehicle registration Privilege restrictions until the balance is paid Additional administrative and collection-related fees Consumer credit reporting consistent with state practice Pay online:https://wisconsindot.mva-na.cc/dmv Reply Y for details. [BBB Scam Type: Government Agency Imposter] [Business: Wisconsin DMV impostor] [Location: WI, USA - 53220]

I am reporting on my Experian credit report. I recorded an alert regarding password changes and subsequently decided to change my password for access. I have two Experian accounts: one was set up through my employer, while the other was established by scammers, specifically G******** and C**** A****** Olsen, along with their associates. Upon opening the account, I observed the following inquiries: - SYNDC - Credit Plus - Credit Reporting Agency - Credit Reporting Agency - Comenity Bank/Torrid These are the inquiries I have identified. Comenity Bank is the institution that G******** and her associates closed, and I am currently paying off the balance owed to them. I have been actively addressing this data breach, although at times I question the effectiveness of my efforts. They have accessed our credit reports, which are frozen, and these inquiries do not appear on my IdentityIQ account. Additionally, due to ongoing wiretapping, I am uncertain how to report this to the relevant agencies that are supposed to assist. Despite the persistent attacks, I remain hopeful for an arrest. I will not relent, but this entire breach has consumed my life. [BBB Scam Type: Identity Theft] [Business: Experian Aleer- Imposter] [Location: TX, USA - 77423]

Need Advice with a commercial debt collector I recieved this from a debt collector for a service I attempted to tell the orignal party to cancel and they refused. Is this stereotypical scare tactics or should I leave them on block dont respond? Location: Dallas TX Attn. \[My name\] As a result of your continued lack of cooperation, our client has added a 25% LATE FEE to your PREVIOUS BALANCE of $ 3664.23 and may consider moving forward with the SUIT PROCESS should there be no forthcoming payment or suitable arrangements to settle your outstanding amount . Your new balance is $ 4581.25 . We must inform you that our client may seek to recover not only the total balance on the account, along with accrued interest, but also all fees, per your signed contract. Failure to resolve this promptly will not only damage your business’s credit standing but also strain the relationship with my client, which could have lasting consequences. Further delay will only escalate the situation. Contact me immediately to discuss the next steps. I trust we can resolve this matter without the need for further action. Your actions at this stage will determine the next steps. 1. Interest on Overdue Amounts: An interest rate of 1.5% per month will be applied to any overdue balances. 2. Venue: Please be advised that, pursuant to the terms of the governing agreement, any legal action—if necessary—may be required to be filed in New York. In that event, all costs associated with enforcement of the agreement may be sought as permitted under the contract and applicable law. 3. Additional Costs: In the event of default and per terms of your contract, you may be responsible for any additional costs incurred in the collection of the outstanding balance, including legal fees and costs of litigation. Please be advised that this delinquency could have serious consequences for your company, including a negative impact on your credit reporting. Additionally, interest, l

Stepdad scammed after looking for Spectrum Internet and TV support My stepdad looked up a phone number for Spectrum Internet and TV Support. Ended up calling a fake number that he found on a website that looked like Spectrum’s. Communicated for two days. Stopped short of giving remote access to his phone. He’s on his way to my house so I can freeze his credit reporting for a bit. There were more phone numbers, but the ones he gave me were: 888-665-6855 351-201-5490 612-407-4411 And the one that wanted remote access was: 520-401-6769

Rhonda Payne p.o box 1098 Abilene Texas 79604 [Date] April 04.2026 Subject: Formal Dispute – Unauthorized Account on Credit Report To Whom It May Concern, I am writing to formally dispute an account that appears on my credit report, which I do not recognize and have no knowledge of. This account is inaccurate and does not belong to me. Account Name: payliance Account Number: [XXXXX15] I have never opened, authorized, or had any business relationship with this account. Therefore, I believe this account may be the result of an error or potential identity theft. Under my rights pursuant to the Fair Credit Reporting Act (FCRA), I request that you conduct a thorough investigation of this matter. Please provide me with verification of this debt, including: * Proof that I authorized or opened this account * A copy of any signed agreement or contract * Complete payment history * Documentation showing this debt legally belongs to me If you cannot provide proper validation, I demand that this account be removed from my credit report immediately. Additionally, please ensure that this account is not reinserted into my credit file unless verified with proper documentation, as required by law. I also request written confirmation of the results of your investigation and a copy of my updated credit report once this matter is resolved. Failure to comply with this request may result in further action, including filing complaints with the Consumer Financial Protection Bureau and seeking legal remedies. I expect this matter to be handled promptly within the timeframe required by law. Sincerely, Rhonda Payne [BBB Scam Type: Other] [Business: payliance] [Location: TX, USA - 79604]

Received voicemails from multiple numbers over the course of a month or so. Some of the messages did not state that a debt was owed, but some did. One voicemail was from “GR Services”. Another was from “Direct Recovery Solutions”. I do not owe any debt, but got tired of receiving the calls, and reached out to one of the phone numbers, 855-211-0322. Spoke to “Drew Curry”. He said he was calling from “Allisen Rabbinek”. He told me his direct phone is 877-476-5634 ext. 112. He said that I have an outstanding balance from 2017, with an original borrowed amount of $500. I asked who the original creditor was, he replied Rapid Lend Installment Loan, and that it was likely for a cash advance. I have never taken out a cash advance in my life. I asked if he could send me written proof of this debt to my house, he said that he could not at this time, but that a letter was sent to my address 45 (?) days ago (I can’t remember the exact number of days). He stated my address, but I never received any kind of a letter. I told him that if he can’t provide written proof to me, I will not pay the “debt”, and will be in contact with my lawyer if I need to. I guess he didn’t like that, so he said, “Ma’am, we’ll send it straight to credit reporting” and hung up very fast. Watch out for this scam. [BBB Scam Type: Debt Collections] [Business: Allisen Rabbinek] [Location: IN, USA - 47129]

Gmail is better on the app Secure, fast & organized email Open (no subject) * ************ ********* to me 18 minutes agoDetails New York State Department of Motor Vehicles (NY State DMV) 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 New York Vehicle and Traffic Law (VTL), if full payment is not submitted by March 26, 2026, the following enforcement actions will be initiated: 1. Official violation recorded with the New York State Department of Motor Vehicles (NY State DMV) 2. Revocation of vehicle registration effective March 27, 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://dmv.ny-govax.help/dmv?var=aFglUMMdWO The phone number that I received this message is (229) 745-0572. My phone number is 646 215 1640. [BBB Scam Type: Government Agency Imposter] [Business: Unknown] [Location: NY, USA - 10025]