Date Received: 2023-12-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: MA
Zip: 01757
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Company Response:
State: MA
Zip: 01757
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( XXXX ), and the Privacy Act of 1974. The nature of the violation ( XXXX ) pertains to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Consumer Reporting Agency Compliance : XXXX XXXX Code XXXX highlights the crucial role of fair and accurate credit reporting. It emphasizes the necessity of accurate credit reporting for the efficiency of the banking system, while unfair methods erode public confidence, essential for its operation. Consumer reporting agencies bear the responsibility of evaluating consumer information fairly, impartially, and with an unwavering commitment to consumer privacy, as mandated by law. Additionally, under XXXX XXXX XXXX XXXX, consumer reporting agencies are legally obligated to implement reasonable procedures ensuring the highest attainable accuracy of consumer reports. XXXX XXXX 's disclosure of inaccurate information not only violates my privacy but exacerbates these obligations, intensifying their noncompliance with statutory provisions. Details of Violations : XXXX. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely XXXX XXXX XXXX and Equifax XXXX This action directly violates the Privacy Act of 1974 ( XXXX XXXX Code XXXX ) and the FCRA ( XXXX XXXX Code XXXX ). XXXX. **Failure to Provide Opt-Out Opportunity : ** XXXX XXXX neglected to offer me the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA XXXX XXXX XXXX XXXX XXXX b ). The continuous disclosure without providing the option to opt out further exacerbates the violation. XXXX. **Continued Right to Opt Out : ** As per XXXX XXXX XXXX ( f ), I reserve the right to opt out at any time, a privilege denied to me by Mission XXXX XXXX. XXXX. **Exclusion of XXXX and XXXX XXXX : ** According to XXXX XXXX XXXX XXXX ( XXXX ) ( A ) ( i ), the term " consumer report '' excludes reports containing information solely related to transactions or experiences ( payment history and utilization ) between the consumer and the reporting entity. XXXX XXXX 's inclusion of transaction history within the reported information is a direct violation of this exclusionary provision. The unauthorized disclosure of my personal information by XXXX XXXX has led to significant financial and emotional distress, causing undue harm and disruption in my life. Remedial Actions Demanded : XXXX. **Immediate Deletion of XXXX : ** I demand the immediate deletion of any reports or disclosures made by XXXX XXXX XXXX contain my personal information, specifically transaction history. XXXX. **Compensation for Damages : ** XXXX to XXXX XXXX XXXX XXXX, I demand compensation of {$1000.00} per violation for the damages incurred due to XXXX XXXX XXXX willful noncompliance. I implore the Consumer Financial Protection Bureau to take swift and decisive action against XXXX XXXX to ensure compliance with the laws and regulations outlined above. I seek your intervention to rectify this situation promptly and to hold XXXX XXXX accountable for their unlawful actions. Please find enclosed supporting documentation detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and eagerly await your prompt action in addressing this grievance.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. The nature of the violation ( s ) pertains to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Consumer Reporting Agency Compliance : 15 U.S. Code 1681 underscores the paramount importance of fair and accurate credit reporting. The efficiency of the banking system is intrinsically tied to accurate credit reporting, while unfair methods erode public confidence essential for its operation. Consumer reporting agencies hold a pivotal responsibility in evaluating consumer information. They are mandated by law to handle this responsibility with utmost fairness, impartiality, and an unwavering commitment to consumer privacy. Additionally, under 15 U.S. Code 1681e, consumer reporting agencies are legally obligated to implement reasonable procedures that ensure the highest attainable accuracy of consumer reports. XXXX XXXX XXXX XXXX XXXX disclosure of inaccurate information not only violates my privacy but exacerbates these obligations, further intensifying their noncompliance with statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** XXXX XXXX XXXX XXXX XXXX without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely XXXX XXXX XXXX and Equifax XXXX This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** The Bank of Missouri neglected to offer me the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ). The continuous disclosure without providing the option to opt out further exacerbates the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by XXXX XXXX XXXX XXXX actions. 4. **Exclusion of XXXX and XXXX XXXX : ** According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the term " consumer report '' excludes reports containing information solely related to transactions or experiences ( payment history and utilization ) between the consumer and the reporting entity. XXXX XXXX XXXX XXXX XXXX inclusion of transaction history within the reported information is a direct violation of this exclusionary provision. The unauthorized disclosure of my personal information by XXXX XXXX XXXX XXXX has led to significant financial and emotional distress, causing undue harm and disruption in my life. Remedial Actions Demanded : 1. **Immediate Deletion of Reports : ** I demand the immediate deletion of any reports or disclosures made by XXXX XXXX XXXX XXXX that contain my personal information, specifically transaction history. 2. **Compensation for Damages : ** Pursuant to 15 U.S. Code 1681n, I demand compensation of {$1000.00} per violation for the damages incurred due to XXXX XXXX XXXX XXXX XXXX willful noncompliance. I implore the Consumer Financial Protection Bureau to take swift and decisive action against XXXX XXXX XXXX XXXX to ensure compliance with the laws and regulations outlined above. I seek your intervention to rectify this situation promptly and to hold XXXX XXXX XXXX XXXX accountable for their unlawful actions. Please find enclosed supporting documentation detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and eagerly await your prompt action in addressing this grievance.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To Whom It May Concern : To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, these inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.
Company Response:
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response:
State: NY
Zip: 11421
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: MA
Zip: 01851
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response:
State: MA
Zip: 01851
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hello On XX/XX/23 i pulled my credit report and seen there were some inaccurate information listed. I sent a letter to Equifax to dispute some late payment information that they never responded or even acknowledged my concern. it has been well over 30 days. See attachments
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A