Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX started reporting late. And stayed reporting late until XXXX XXXX when it was paid in full. XXXX was paid weekly {$160.00} drafted from my account, instead of applying the funds to the account balance the company held the money until they received XXXX payment. If they would have applied the funds it would have decreased the balance each week and interest. The account was paid in full and sold in XXXX, 9 years after purchase. Now my credit report history appears that I wasn't paying my mortgage because it doesn't show a single payment on time. This is incorrect and is preventing me from buying a home. I am a productive citizen working in the XXXX industry. Even when I was out of work from workers comp in XXXX I was still paying my mortgage.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Im submitting a complaint because I have several credit inquiries from all XXXX credit reporting agencies that's affecting my ability to obtain and use my credit to its maximum potential. XXXX reporting agency is reporting XXXX unauthorized inquiries that's not connected with any open account that's reported on my credit profile. Here are the dates and accounts that are reporting unauthorized on my credit profile XXXX XXXX on XX/XX/2XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 Equifax reporting agency is reporting XXXX unauthorized inquiries thats not connected with any open account that's being reported on my credit profile. XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX is reporting XXXX unauthorized inquiries that's not connected with any open account that's reporting on my credit profile. XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 XXXX CARD on XX/XX/2023 All of these listed inquires are unauthorized and shouldn't be listed on my credit profile.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: inproper use of my credit dont recognize accounts voilation XXXX XXXX XXXX XXXX pertmissible purpose for which consumer credit reports can accessed and used by third parties. these account was open without my permission or consent
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a XXXX card on my account that Im not aware of account number is # XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In 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 an account without my written instructions. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am a XXXX customer with an active account that is in good standing. A few months ago, I started receiving letters in the mail stating that I had a bill of {$1000.00}. I immediately logged into my XXXX account and saw that it had nothing to do with me, so I assumed it was a scam and ignored it. However, after receiving the same bill XXXX times, I called XXXX to ask them what it was about. They told me that they didn't know and that my normal account was fine. I asked them to remove it from my name, and they said they would. However, I continued to receive the same letter repeatedly, so I called XXXX again to ask what was happening. The person on the other end of the line informed me that the account had come back as accurate. When I asked why they hadn't contacted me, the person didn't know what to say. They then called the XXXX department, who advised them that it was a mistake made by a XXXX representative in store and that customer service needed to cancel the account. They assured me that it would be taken care of. However, by this time, the account had been linked to my XXXX and reported on my credit report as a missed payment. I asked the person on the phone to ensure that it was removed from my credit report, and they assured me that it would be done within XXXX business days. This was before XX/XX/2023. After a few days, I checked my credit report again and saw that it had been sent to a collection agency. After spending more hours on the phone with XXXX, I realized that the previous agent had closed the account but had not removed the balance, leaving me in a more serious problem, which was a collection. They advised me to file a dispute, but it did not help. Now, I am fed up with XXXX. I have not been able to obtain more credit because of this issue, and nobody at XXXX is taking it seriously. I don't understand why, if a XXXX representative made a mistake, it should be my responsibility. I am extremely upset and want to sue them for this. Additionally, they should erase this delinquency from all three credit agencies.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The account XXXX XXXX XXXX is reporting three late payments of XXXX days. XXXX, XXXX and XXXX This is highly incorrect. These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. The account was opened XXXX. XXXX, XXXX. It was an XXXX XXXX. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. XXXX XXXX XXXX XXXX is reporting should be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. The account was opened XXXX. XXXX, 2023. It was an XXXX XXXX. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. XXXX XXXX XXXX XXXX is reporting should be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. The account was opened XXXX. XXXX, 2023. It was an XXXX XXXX. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, 2023. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. XXXX XXXX XXXX XXXX is reporting should be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A