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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX Balance Owed : {$70000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$71000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$11000.00}.
Company Response:
State: MO
Zip: 63033
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: Information belongs to someone else
Consumer Complaint: This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00}.
Company Response:
State: MO
Zip: 63033
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I am aware that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau. I expect your bureau to adhere to the Fair Credit Reporting Act ( FCRA ) by conducting a comprehensive investigation into this dispute. Please provide me with written confirmation of the results of your investigation and the actions taken to rectify this matter.
Company Response:
State: CA
Zip: 91765
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: I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Company Response:
State: IL
Zip: 60652
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: Report provided to employer without your written authorization
Consumer Complaint: Greetings, I have sent a letter regarding opt-out, but wasn't updated. I have sent a letter regarding all inquires being removed, but hasn't been removed. I have sent a letter regarding charge-off, which is a certification of indebtness and should be removed. Income can't be reported and it is illegal to report transaction history. I have called to remove all personal information expect for the name ( XXXX XXXX ) and address ( XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, IL XXXX ). All address other than this is non-mailable address. References : XXXX Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in XXXX ( a ) ( XXXX ) and ( XXXX ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with XXXX. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with XXXX, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( XXXX ) ( ii ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you XXXX not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you XXXX only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( XXXX ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to XXXX. ( i ) Model privacy form. Pursuant to XXXX ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. 5 U.S. Code 552a - Records maintained on individuals 15 U.S. Code 1692j 15 U.S. Code 1681 ( e ) ( i ) 15 U.S. Code 1692g In result, a breach of the FCRA and my federal rights. These are violations in regards to my life and liberty.
Company Response:
State: IL
Zip: 60611
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 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: 01844
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Company Response:
State: CA
Zip: 90274
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: XXXX XXXX responded to CFPB complaint XXXX on XXXX XX/XX/XXXX. In their response they explain my account was charged-off due to the alleged return of a payment in XX/XX/XXXX that would not have covered the minimum payment required. From mid XXXX until late XXXX I had no ability to access my account through the XXXX customer account web portal. During that same time XXXX provided instructions for me to log into a different system to manage my account. Unlike my regular portal account, this account access required a different set of credentials. A XXXX XXXX e-mail from XXXX instructed me to register for a new portal account. Per the provided instructions XXXX claimed I would simply need my reference code ( zip code ) to access my account. Yet the website itself required the full fifteen ( 15 ) digit account number and 4-digit security pin on the physical card a card that XXXX acknowledges was canceled in XX/XX/XXXX. This did not just happen once, but twice corresponding to the transfer from collections agents : XX/XX/XXXX, XX/XX/XXXX. Thus XXXX engaged in deceptive acts or practices because it provided incorrect/ withed correct information necessary for me to use ( make payments on ) my account ( see XXXX XX/XX/XXXX e-mail from XXXX XXXX XXXX XX/XX/XXXX e-mail from XXXX ). In the second instance I was harmed because autopay with the original collections agent stopped because XXXX transferred the account to a different collections agent in XXXX XXXX. Since I had not received statements I filed CFPB complaint XXXX on or around XXXX XX/XX/XXXX. It read in part " could retrieve statements using URL available through instructions. Told acct not handled by XXXX XXXX. I have not received statements in nearly four ( 4 ) months despite continuing to reside at same address. Received first communication from second agency XXXX on XXXX XX/XX/XXXX claiming ''. The XXXX XXXX XXXX response did not address my inability to manage my account. I filed CFPB complaint XXXX on XXXX XX/XX/XXXX. XXXX responded on XXXX XX/XX/XXXX acknowledging they'd provided the incorrect information for me to manage my account with the collections agent " the URL that was provided shows it is a working URL and was provided as a way for you to make your payments. However, you did not have your Card information to access the site. '' For clarity the instructions from XXXX sent on or around XXXX XX/XX/XXXX stated " You [ pay ] your balance online at XXXX using reference code XXXX to access the website. '' Thus, I was provided with false information necessary to log into the account and manage payments and lost access to the normal XXXX website to make payments. In their XXXX XX/XX/XXXX response XXXX XXXX " It is important to know your account status for the month of XX/XX/XXXX was reported as 60 days past due, however ; we received a payment on XX/XX/XXXX, for {$200.00} which was less than the minimum payment due on your enclosed XX/XX/XXXX statement, this caused your account to report on XX/XX/XXXX as 30 days past due. This payment was then returned on XX/XX/XXXX, by your banking institution, as such, your account was accurately reported as 120 days past due on XX/XX/XXXX. Our response to your prior correspondence filed with the CFPB, reference number XXXX, advised of this returned payment. For clarity, XXXX was filed on XXXX XX/XX/XXXX and XXXX provided a response on XXXX XX/XX/XXXX. Thus, I had zero ( 0 ) notification from XXXX XX/XX/XXXX until a response to CFPB complaint XXXX on XXXX XX/XX/XXXX -- that's two ( 2 ) years later. Although returned, if the XXXX ( XXXX ) dollar payment was not " enough '' to meet the minimum payment, this implies I was not receiving statements. In the XXXX XX/XX/XXXX XXXX response, XXXX claims " we are accurately reporting your account and we are unable to remove the account from your credit report. '' However, this is false. In general 15 U.S.C 1681s2 prohibits data furnishers from furnishing information to the CRAs it knows or has reasonable cause to believe is inaccurate. Similar language applies to CRAs under 15 U.S.C. 1681e. While the respective language is different for each the XXXX XXXX has recognized the synergy between the language of both stating in XXXX XXXX XXXX XXXX '' Although the majority of cases involve the duty the same standard of accuracy applies to a furnishers response under 1681s-2. Both 1681e and 1681s-2 serve the same purpose : ensuring accuracy in consumer credit reporting. A CRA can best fulfill its obligation to report accurately under 1681e if it receives accurate information from a furnisher under 1681s-2, ''. Likewise, the XXXX XXXX came to a similar conclusion in XXXX XXXX XXXX XXXX XXXX, " Section 1681s-2 at times uses incomplete or inaccurate. E.g., 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ). Section 1681e, on the other hand, speaks only in terms of 'maximum possible accuracy. ' One might draw the inference, then, that accuracy and completeness are different... We think not ''. From the XXXX XXXX and XXXX XXXX we can then arrive at an understanding that if CRAs are required to report information in consumer files with maximum possible accuracy, it is then incumbent upon data furnishers themselves to supply consumer information with maximum possible accuracy. The same standard of accuracy applies to both. Quoting from the XXXX XXXX, " Courts have long understood that, when it comes to the FCRA, accurate means more than just 'technically correct. ' E.g., XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ), '' ( XXXX, XXXX. XXXX ( XXXXXXXX XXXX XXXX ) ). For the definition of incomplete and inaccurate information one can look to the XXXX XXXX, " We have interpreted the phrase 'incomplete or inaccurate ' to encompass not only false information, but also correct information that nevertheless create [ XXXX ] a materially misleading impression. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ), '' ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). The information XXXX has furnished to the CRAs has been misleading since XXXX XX/XX/XXXX. XXXX was notified I was not receiving paper statements. Per the XXXX XX/XX/XXXX e-mail from XXXX, I was to be able to log into the alternative web portal to make payments, but was unable because XXXX provided incorrect information for me to be able to login. I had no knowledge a payment was returned on XXXX XX/XX/XXXX. XXXX states they made me aware of that in response to CFPB complaint XXXX, which was supplied on XXXX XX/XX/XXXX. XXXX received multiple billing error notices between XX/XX/XXXX and XX/XX/XXXX, but never conducted a billing error investigation before the account was charged-off on XXXX XX/XX/XXXX. Yet according to, 12 C.F.R. 1026.13 ( b ) ( 1 ) if a creditor has failed to send a periodic statement, the 60-day period runs from the time the statement should have been sent. Once the statement is provided, the consumer has another 60 days to assert any billing errors reflected on it. I was never sent statements BEFORE the account was charged-off. And, withouut conducting a billing error investigation, XXXX charged-off the account on XXXX XX/XX/XXXX, in the process violating 12 C.F.R. 1026.13 ( d ) ( 2 ) - ( d ) ( 3 ), which prohibits a creditor from taking any adverse action on an account before a billing error investigation has been conducted under 1026.13. After filing multiple billing error notices in XXXX my ability to login to XXXX regular website was restored. I logged in on XXXX XX/XX/XXXX to find a credit of around XXXX XXXX XXXX ( XXXX ) dollars had been applied to my account, and a XXXX XX/XX/XXXX electronic notice which informed me my complaints were ( now ) being investigated no payment was due at that time. Yet, given the recap above, XXXX continues to verify that all the information furnished to the CRAs for my account is " accurate, '' even claiming the reporting of a charge-off status in XXXX ( as explained in XXXX Response to XXXX ) was " accurate '' for a charge-off that allegedly took place XXXX XX/XX/XXXX. Given the situation recapped above, there nothing accurate about reporting a payment history from XX/XX/XXXX to XX/XX/XXXX " paid on time, '' followed by a period from XX/XX/XXXX to XX/XX/XXXX alleging payments were late by an additional thirty ( 30 ) days over that period of time, followed by a period XX/XX/XXXX to XX/XX/XXXX " paid on time, " followed by a period from XX/XX/XXXX through XX/XX/XXXX with payment history alleging advancing 30 day delinquencies until reaching 180 days past-due. There is nothing accurate about payment history that then reports 180 days past-due for six ( 6 ) straight months until the account was reported as charged-off in XX/XX/XXXX. It's so bad the Date of First Delinquency, which determines how long any charge-off stays in a consumer file, reports as XX/XX/XXXX. Yet, the account, was alleged charged-off by XXXX, wrongfully I might add, on XXXX XX/XX/XXXX. The Date of First Delinquency is the date of the first delinquency immediately prior to the charge-off. That date wouldhave to be in XXXX IF XXXX alleges the account was charged-off XXXX XX/XX/XXXX. Overall, the information XXXX is furnishing to the CRAs for XXXX and XXXX continues to me materially misleading and most-definitely has caused me harm since XXXX. I've been denied stable housing because of the defamatory information XXXX continues to furnish for this account in XXXX. I will close by offering another falsehood alleged by XXXX in their XXXX XX/XX/XXXX response to XXXX. XXXX claims, " there is no option to block or to opt out of credit reporting. We are required by laws and regulations to report the status of an account accurately to the national credit reporting agencies. '' This is patently false. According to 15 U.S.C 1681s2 ( b ) ( 1 ) ( E ) ( iii ), " if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly [ the data furnisher shall ] ( iii ) permanently block the reporting of that item of information. '' And, XXXX knows or has reasonable cause to believe the information they are furnishing to the CRAs is prohibited because it does not meet the accuracy/completeness standard under 15 U.S.C 1681.
Company Response:
State: MI
Zip: 48104
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: 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: 01844
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a natural person, a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous of time, I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60073
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A