Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is BLAIDY ********* ****** and Im a consumer submitting this complaint on behalf of myself without any third party being involved.M consumer report is improper being used to furnish inaccurate and incorrect information that violates my consumer and privacy rights under the FCRA.Incorrect Addresses:****************************************************************************************** ****************************************************************************************** ****************************************************************** ********************************************************************************** ************************************************************************************ ************************************************ INCORRECT PHONE NUMBERS:************ ************ ************ INCORRECT NAMES:BLEIDY ****** BLAIDY ******** ****** INCORRECT EMPLOYMENT: ******************** Nursing Center Act Auto Blagarci Acr Auto, ***************** Anor Nursing Unauthorized inquiries:Truist: 3-7-25 CIC: 4-24-24 Xactus: 4-4-23 *******: 6-19-24 CBNA: 2-9-25 Truist: 12-27-24 Under 15 USC 1681 b(a)(2), a consumer reporting agency may only furnish a consumer report in the following scenarios and under no other conditions; also, the consumer to whom the report relates may only request a consumer report in writing. A financial institution is not obligated by the **** to give the *** any negative information, as stated in 15 USC 1681s-2(7)(E). I have the right to privacy, as stated in 15 *** 1681, Section 602. Credit reporting agencies are required by Section 607 of 15 *** 1681e to establish suitable procedures to avert infractions of Section 605 of 15 USC 1681c and limit the utilization of consumer reports to individuals mentioned in Section 604[1681b] of this legislation. No state law supersedes federal ******* have 4 days in accordance with 15 USC 1681c-2 to remove this information.

  Business Response

  Date: 04/01/2025

  Dear BLAIDY ********* ******,

  
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 

  
  DataX received your dispute request, however the accounts/lenders you are disputing do not do business with the DataX *************. Also, based on the Social Security Number you provided we do not have a DataX File on Record.
  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  Equifax *************** ************** 
  Experian **************** **************
  ********** ****************** **************
  FTC *********** ************
  
  Thank you in advance for your patience concerning this matter.
  

  
  

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is LACHRISTUAN **** and Im a consumer submitting this complaint on behalf of myself without any third party being involved. Under 15 USC 1681 b(a)(2), a consumer reporting agency may only furnish a consumer report in the following scenarios and under no other conditions; also, the consumer to whom the report relates may only request a consumer report in writing. A financial institution is not obligated by the **** to give the *** any negative information, as stated in 15 USC 1681s-2(7)(E). I have the right to privacy, as stated in 15 *** 1681, Section 602. Credit reporting agencies are required by Section 607 of 15 *** 1681e to establish suitable procedures to avert infractions of Section 605 of 15 USC 1681c and limit the utilization of consumer reports to individuals mentioned in Section 604[1681b] of this legislation. No state law supersedes federal law. Accounts being challenged: *Credit Acceptance:opened: 07-19-19 *Military Star: opened: 11-13-22 *Rise: opened: 12-01-22 Atlantic cap BKselflnder: opened: 8-28-20 Portfolio Recovery:$207.00 opened: 11-28-23 ****** ******** **** $1070.00 opened:09-21-23 PURSUANT TO 15 USC 1681(A)(1)(A)-DELETE THE **** FROM THE FILE IN ACCORDANCE WITH PARAGRAPH (5), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVED THE NOTICE OF THE DISPUTE FROM THE ************ have 4 days to remove this information from my consumer report pursuant to 15 USC 1681c-2.

  Business Response

  Date: 03/10/2025

  Dear Lachristuan ****,
  
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 
  DataX received your dispute correspondence; however, the documentation that was sent to us in writing and that you are requesting to dispute is not part of the DataX credit reporting database. 
  If you would like a copy of your DataX Credit Report, please visit our website ************************** to download and complete the Consumer Report Request form and mail it to the address referenced above along with the required documentation needed to fulfill your request which is listed on the website form.  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  
  Equifax *************** ************** 
  Experian **************** **************
  TransUnion ****************** **************
  FTC *********** ************
  Thank you in advance for your patience concerning this matter.
  
  
  DataX Customer Service
  
  
  
  
  

• Initial Complaint

  Date:03/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is Canswayla ********* and Im a consumer submitting this complaint on behalf of myself without any third party or any credit repair company being involved. Inaccurate Accounts: 1). Best Egg: $525.00 Opened: 10-14-23 Acct#XXXXXX 2). World Finance: Opened: 03-31-22 Acct#***************. *********** Auto: opened:02-09-19 Acct#****************************** Furniture:$466.00 Opened: 04-01-2020, Acct#*********************** et seq. Governs access to consumer credit report and promotes accuracy, fairness and the privacy of personal information assembled by the ****. Dispute 1: Accounts in violation of FCRA/FCDPA: Fraudulent Collection: Spring Oaks Capital:$560.00 Opened: 11-01-23 Acct#************. Account Resulted from aggravated identity theft!!! I (have not supplied proof under the doctrine of estoppel by silence, ********** *. ******* (mo) 281 SW *******, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. The Courts have ordered that a "Reinvestigation" that merely shifts the burden back to the consumer and the credit grantor cannot fulfill the obligations imposed by 1681(a)(4). You have NOT provided me a copy of ANY original documentation that you have on file that is required under Section 609 & 611 (a)(1)(A) - (a consumer contract with my signature on it) and under Section 611 (5)(A) of the ****** you are required to "... promptly DELETE all information which CANNOT be verified." PURSUANT TO 15 USC 1681(A)(1)(A)-DELETE THE **** FROM THE FILE IN ACCORDANCE WITH PARAGRAPH (5), BEFORE THE END OF THE 30-DAY PERIOD BEGINNING ON THE DATE ON WHICH THE AGENCY RECEIVED THE NOTICE OF THE DISPUTE FROM THE CONSUMER. Providing the requested description of the process used to assess the quality and completeness of disputed information, with the company name, address,& phone number, or any information provider contacted, would be a reasonable resolution.

  Business Response

  Date: 03/03/2025

  Dear Canswayla *********,

  
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 
  DataX received your dispute correspondence; however, the documentation that was sent to us in writing and that you are requesting to dispute is not part of the DataX credit reporting database. 

  
  If you would like a copy of your DataX Credit Report, please visit our website ************************** to download and complete the Consumer Report Request form and mail it to the address referenced above along with the required documentation needed to fulfill your request which is listed on the website form.  

  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  Equifax *************** ************** 
  Experian **************** **************
  TransUnion ****************** **************
  FTC *********** ************

  
  Thank you in advance for your patience concerning this matter.
  
  DataX Customer Service
  

  
  

• Initial Complaint

  Date:02/19/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  RE: Re-Investigation to Remove Inaccurate Credit Information Dispute 1: (REMOVE ANY NAME THAT IS NOT MY BIRTH RIGHT GIVEN NAME)UNLAWFUL NAME: ****** E ********* DEFO, ****** ********* ****** Dispute 2:Address: ************************************** Dispute 3:Address: **************************************** Dispute 4:Account Name: *********** Account Number: ************Date Opened: SEP. 01, 2022 Balance: $3,793 Dispute 5:Account Name: MACYS/CBNA Account Number: ****************Date Opened: SEP. 01, 2022 Balance: $660 Dispute 6:Account Name: CELTIC/CONT Account Number: ****************Date Opened: JULY. 01, 2023 Balance: $878 Dispute 7:Account Name: TBOM/CONTFIN Account Number: ****************Date Opened: MAY. 01, 2023 Balance: $575 Dispute 8:Account Name: FETTIFHT/WEB (DUPLICATED ACCOUNT)Account Number: ****************Date Opened: APRIL 01, 2022 Balance: $1,123 Dispute 9:Account Name: ******* ** Account Number: ****************Date Opened: APRIL 01, 2023 Balance: $1,332 Dispute 10:Account Name: WEBBNK/FHUT (DUPLICATED ACCOUNT) Account Number: ****************Date Opened: OCT 01, 2020 Balance: $1,800 Dispute 11:Account Name: ONEMAIN Account Number: ****************Date Opened: MAY 01, 2023 Balance: $17,323 Dispute 12:Account Name: NATL RECOVER Account Number: ********Date Opened: JUL 01, 2024 Balance: $2,017 Dispute 13:Inquiry Name: DIGITALFCU Inquiry Date: May 09, 2023 Dispute 14:Inquiry Name: CAPITALONE Inquiry Date: April 09, 2023 Dispute 15: Inquiry Name: SMGAUTOHOL Inquiry Date: July 30, 2023 I want a new investigation. If not, the creditor must remove from the report right away any information that they are unable to validate. I am aware that you have 30 days from the day this letter is received to conclude this re-investigation in accordance with 15 *** sec. 1681i(a).****** E *********

  Business Response

  Date: 02/20/2025

  Dear ****** ******,
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 
  DataX received your dispute request, however the accounts/lenders you are disputing do not do business with the DataX *************. Also, based on the Social Security Number you provided we do not have a DataX File on Record.
  
  If you would like to obtain a free copy of your annual credit report from all 3 nationwide credit reporting bureaus, please do so at **************************.  In addition, we have provided the following information for your convenience:
  Equifax *************** ************** 
  Experian **************** **************
  TransUnion ****************** **************
  FTC *********** ************
  
  Thank you in advance for your patience concerning this matter.
  
  

• Initial Complaint

  Date:06/20/2024

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  When I checked my credit reports, I noticed that the following accounts are being Re-aged and reporting derogatory collections on my consumer reports every month. This is illegal and not in accordance with the Fair Credit Reporting Act. This is double jeopardy and unfair credit reporting. This is also a violation of my consumer rights according to what I've read in the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1681c(a)(5). Delete these accounts off my credit report because I am not liable for them. CRAs are mandated to provide 100% accuracy in reporting, and they are not. Other violations include 15 U.S.C. 1681a (2)(i): Exclusions, Late Payments are Transactions and aren't to be reported on credit reports. Collections Accounts: ********* CAPITAL SYSTEMS 370218XXXXXXX, and I C SYSTEM *** 159016XXX. Other violations under the Fair Debt Collections Practices Act- 15 U.S.C. 1681g: Disclosures to consumers, and Fair Credit Reporting Act 15 U.S.C. 1681 for willful noncompliance. According to 15 U.S.C. 1681 Section 602 A, and 15 U.S.C. 1681 Section 604 A Section 2, I have the right to privacy, and I never gave consent to any CRAs or anyone to furnish my accounts without my written instructions. Late payments are are also reporting late payments on closed accounts, violating my rights under 15 U.S.C. 1681e: Compliance Procedures and Accuracy of Report, and 15 U.S.C. 1681s2: Responsibilities of furnishers. There is also a violation of 15 U.S.C. 1666(b): Billing Error. Creditors can't treat a payment as late for any purpose. Delete these accounts and mail me a consumer report/ file with corrections please. I'm making this complaint without third-party assistance.

  Business Response

  Date: 06/24/2024

  Re: BBB Complaint #********
  Dear *************************,
  This response shall serve as DataXs reply to the BBB Complaint #******** regarding *************************.

  
  DataX received your dispute correspondence; however, the leasing agreement you provided is not part of the DataX credit reporting database.

  
  In order for us to determine whether or not you have a credit file with DataX, we need you to verify your identity by providing information in writing to DataX. Please complete the enclosed Consumer Report Request in its entirety and mail it along with the required personal identifying information referenced on the form to the DataX address referenced above. You must also include the required documentation listed on the form so that we are able to validate your identity prior to sending sensitive personal information. 

  
  Since you stated that you are a victim of identity theft, we would highly recommend  that you request to have a Security Freeze placed on your DataX credit report by completing the enclosed Consumer Credit Freeze form, as well.

  
  To keep your personal information protected and secure, please send all documents required to verify your identity to the DataX address listed above.  Once DataX receives your information in writing, we will send you a copy of your DataX credit report, assuming there is one on file.  If there is not a credit report on file, we will notify you as such in writing. If you opt to have the Security Freeze placed on your file, we will send confirmation to you in writing once it has been processed.

  
  If you have further questions, or need assistance completing the forms, please contact us at **************, and we would be happy to assist you. Thank you for allowing us to be of service.

  
  Regards,
  DataX Customer Service
  

  
  

  Customer Answer

  Date: 07/05/2024

   
  Complaint: 21870527
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

  Customer Answer

  Date: 07/09/2024

  Hi,

  I forgot to add proof of identity in order to process my complaint. Please perform or process my complaint and investigation.

  Thanks

  Business Response

  Date: 07/11/2024

  Dear *************************,

  
  Thank you for contacting DataX. We are a *********************** for the specialty finance market which provides insight into consumer tradeline/payment history. Lenders often utilize our services for their lending needs. 

  
  DataX received your dispute correspondence; however, the documentation that was sent to us in writing and that you are requesting to dispute is not part of the DataX credit reporting database. 

  
  If you would like a copy of your DataX Credit Report, please visit our website DataXltd.com to download and complete the Consumer Report Request form and mail it to the address referenced above along with the required documentation needed to fulfill your request which is listed on the website form. 
  

  Thank you in advance for your patience concerning this matter.
  
  DataX Customer Service
  
  
  

  Customer Answer

  Date: 07/12/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:05/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm requesting that DataX make corrections to my credit file for the following accounts. I checked all three of my credit reports and found a lot of inaccuracies that need to be corrected, and are not being reported In Accordance With the ***** I never gave DataX my consent to share my information. Inaccurately reported accounts: CREDIT ACCEPTANCE CORPOR- Account #********, KOHLS DEPARTMENT STORE - ****************, ******* BANK - ****************. Reporting late payments on a credit report is illegal and very damaging to my credit (15 U.S Code 1681a(2)(B): Exclusions). This is a violation of the ***** 15 U.S.C. 1666(b) Billing Error, and 15 U.S.C. 1681a(2)(A)i - Definitions; Rules of Construction states that a report containing information solely as to transactions or experiences between the consumer, and the person making the report. This means that late payments/ transactions are illegal and are not to be reported on a credit report. I request the immediate removal of all late payments, and Update my payment history to PAANL status immediately. 15 U.S.C. 1666b also prohibits treating a payment on a credit card account as late under an open-end consumer credit plan. Please mail me a corrected copy of my credit file asap. Delete these late payments. I had no 3rd party help with my complaint.

  Business Response

  Date: 05/06/2024

  May 6, 2024

  
  Re: BBB #********

  
  Dear ************,

  
  This response shall serve as DataXs reply to the BBB Complaint #******** regarding Salaam Alnur.

  
  DataX is an information service provider that provides data on consumer payment history for the non-prime lending community. We are a credit bureau; however, the information we provide does not assist or adversely impact a consumers credit as it is reported by the three traditional major credit bureaus.

  
  Our records indicate that we have never engaged with ************ via phone, email or mail. Furthermore, the information details provided in the BBB Complaint are not data or accounts included as part of the DataX credit reporting database.. 

  
  DataX recognizes that a consumer has the right to know what is in their credit file and may request and obtain all the information in the files of a consumer reporting agency. If ************ would like to obtain a copy of his DataX credit report, he may access the Consumer Report Request form found on the DataX website at www.dataxltd.com.  Please print the form, complete it in its entirety, and mail it to the address provided above along with the required personal identifying information. Once we receive the information, we will send a copy of the credit report, assuming there is one on file.

  
  Thank you for allowing us to be of service.

  
  If you have further questions, feel free to contact us at **************.
  
  Regards,
  DataX Customer Service
  
  
  

  
  

• Initial Complaint

  Date:08/21/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I checked my credit reports today and found this inaccurate account on my credit reports and noticed that the ************************ (Some Owned by the Major CRAs), and ************************* have violated my consumer protected rights according to the ***** The following Companies: *************************, LLC - *****, NATIONAL CREDIT SYSTEMS ***** #####**, COLUMBIA DEBT RECOVERY PRS0SRXXXXXXXXXXXXXX - and PROFESSIONAL CREDIT SERVICE - #######################**** have been repeatedly reporting inaccurate information and it's stressed me out and is causing my family to suffer as well in many ways. This has motivated me to research and annotate the violations against my consumer rights as follows: Violation of the **** under 15 U.S Code ****a(2)(B): Exclusions from a consumer report, 15 U.S Code ****b permissible purpose of consumer reports. I've Never given anyone my permission to share or report any of my information. All have violated 15 U.S. Code ****e(b): Compliance Procedures, and 15 U.S. Code ****i (5): Reporting inaccurate accounts and they can't be verified with proof that I have requested already. U.S.C Code **** Section 602 A. States I have the right to privacy. 15 U.S.C **** Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions; I never gave anyone written instructions. 15 U.S. Code ****c - Requirements relating to information contained in consumer reports. 15 U.S.C ****c(a)(5) States: no consumer reporting agency may make any consumer report containing Any other adverse item of information. You've also violated the United States Code Law under TILA, 15 U.S. Code 1666(b) Billing error. All of this research was exhausting, but I did it all by myself, with No 3rd Party assistance. Delete these accounts now!

  Customer Answer

  Date: 08/22/2023

  Yes, I did request validation letters from these companies to no avail. I got no responses.

  *******

  Business Response

  Date: 08/23/2023

  Re: BBB #********

  Dear *****************************,

  This response shall serve as DataXs reply to the BBB Complaint ******** regarding ******************************
  DataX is an information service provider that provides data on consumer payment history for the non-prime lending community. We are a credit bureau; however, the information we provide does not assist or adversely impact a consumers credit as it is reported by the three traditional major credit bureaus.

  Our records indicate that we have never engaged with ***************************** via phone, email or mail. Furthermore, the information details provided in the BBB Complaint are not data or accounts included as part of the DataX credit reporting database.

  DataX recognizes that a consumer has the right to know what is in their credit file and may request and obtain all the information in the files of a consumer reporting agency. If ***************************** would like to obtain a copy of her DataX credit report, she may access the Consumer Report Request form found on the DataX website at www.dataxltd.com.  Please print the form, complete it in its entirety, and mail it to the address provided above along with the required personal identifying information. Once we receive the information, we will send a copy of the credit report, assuming there is once on file.

  Thank you for allowing us to be of service.

  If you have further questions, feel free to contact us at **************.
  
  Regards,
  DataX Customer Service
  
  

  
  

  Customer Answer

  Date: 09/07/2023

  Hello,

  I missed the response request in my email, but I am satisfied wiith this CRA's response to me.

  Thank you,

  *****************************

  Business Response

  Date: 10/27/2023

  Dear *****************************,

  DataX is in receipt of your complaint filed with the Better Business Bureau; however, in order for us to access your DataX credit file, should one exist, we will need you to provide documentation that includes your social security number.  That documentation may consist of a copy of any of the following: social security card,  W2 form, **** form or a pay stub.  

  We will research and respond to your complaint once we receive this required information.

  Thank you for your attention to this matter.

  Regards,

  *****************************

   

  Customer Answer

  Date: 10/30/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************