Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXXXXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, This account listed below is a complete VIOLATION of the NO SURPRISES ACT, DELETE the listed accounts below IMMEDIATELY from my credit reports. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to formally request an investigation into and the removal of an unauthorized hard inquiry on my credit report. I recently discovered this inquiry on XX/XX/23 when reviewing my credit report, and it has come to my attention that I did not provide consent for such an inquiry to be conducted. Below are the details of the unauthorized hard inquiry : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.
Company Response:
State: MN
Zip: 55126
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: *** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXXMy only address is : XXXX XXXX XXXX, XXXX XXXX, California XXXX. I have provided a copy of my identification documents for you to verify my social security numbers. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY, DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my XXXX, XXXX and Equifax Credit Report. Inquiries incorrectly reporting : XXXX. This inquiry was not authorized : XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report. XXXX. This inquiry was not authorized : XXXX XXXXXXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report. XXXX. This inquiry was not authorized : XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report. XXXX. This inquiry was not authorized : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report. XXXX. This inquiry was not authorized : XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report. XXXX. This inquiry was not authorized : XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report. XXXX. This inquiry was not authorized : XXXX XXXXXXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report. XXXX. This inquiry was not authorized : XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report. XXXX. This inquiry was not authorized : XXXXXXXX XXXX Date of inquiry XX/XX/XXXX AND XX/XX/XXXX. Please remove this incorrect information from my credit report. - To Whom It May Concern, In the course of recently screening my personal Equifax credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT : XXXX XXXX XXXXXXXX XXXX - {$330.00} delinquency -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. -- - XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX XXXX- {$5500.00} Delinquency -This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. -- - XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. - XXXX XXXXXXXX XXXX - {$5000.00} Delinqency -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUN : XXXX XXXX - {$150.00} Delinquency - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. - XXXX XXXX - {$280.00} Delinquency. This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX / XXXXXXXX XXXX - $ XXXX BALANCE, but showing delinquent -This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX XXXX {$380.00} Delinquency -This account that is being reported negatively and does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX XXXX XXXX XXXX - {$0.00} balance but showing Delinquent -This account that is being reported negatively and does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX XXXX XXXX- {$6600.00} Delinquency -This account that is being reported negatively and does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT : XXXXXXXX XXXX - {$0.00} balance But reporting Derogatory - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Equifax credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Equifax, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last XXXX of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
Company Response:
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I sent in my drivers license and a bill with my address on it and told them to remove the names and addresses off my report because I never lived there and that it was fraud which I have a fraud alert on my files with all credit reporting agencys and they have not removed any of them the names that was supposed to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that was supposed to be removed are XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL, XXXX XXXX ID # XXXX Single family XXXXXXXX XXXX XXXX XXXXXXXX FL, XXXX Address ID XXXX XXXXXXXX XXXX XXXX Never lived at any of these addresses
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is in reference to a dismissed bankruptcy on my credit profile after many months of submitting paperwork the above item is still be report as verified, I have sent them the credit file letter from their data provider stating that they have deleted the item from their records. I have provide information from the court as well. They have refused to obey my rights and refused to obey the law of the Land in the fair credit reporting act. I am submitting this last request to have this item removed or I will submit this to my lawyer for civil lawsuit. It is not possible for them to keep sending vague responses such as We have reviewed your concerns and our conclusions are A dismissed XXXX XXXXXXXX XXXX remains on the credit file for 7 years. Their is no mention of process they listed the source of XXXX XXXX XXXX. It is clear that this is a willful act of deception because the data provider has the item deleted from their system it was removed in XXXX I have sent their new version of the resolution letter to Equifax on XX/XX/2023 their response was dated XX/XX/2023 with the answer. above.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: companies pulled my credit without my permission.
Company Response:
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that " In general Subject to subsection ( c ), XXXX consumer reporting XXXX may furnish a consumer report under the following circumstances and no other : in accordance with the XXXX instructions of the consumer to whom it relates. '' ( Furnisher of information to credit XXXX ) the XXXX XXXX and the Consumer reporting XXXX Equifax and XXXX do not have my consent to furnish this information and they surely do not have my XXXX consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to XXXX XXXX ) whether it be XXXX XXXX XXXX XXXX or otherwise is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX XXXX unless the consumer is given an explanation of how the consumer can exercise that XXXX option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my XXXX option. Not only that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states '' Except as authorized under subsection ( b ), no consumer reporting XXXX may make any consumer report containing XXXX of the following items of information XXXX other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A states " A person shall not furnish XXXX information relating to a consumer to XXXX consumer reporting XXXX if the person knows or has reasonable cause to believe that the information is XXXX. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting XXXX shall maintain reasonable procedures designed to avoid violations of section XXXX of this XXXX and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this XXXX. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at XXXX time. '' I am opting out of XXXX reporting services.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: EQUIFAX is reporting inaccurate information on my consumer report and will be held liable because they failed to maintain maximum accuracy by allowing incomplete, or unverifiable information. I will be applying for credit in the next 7 days and if I am denied, I will be holding EQUIFAX liable for statutory claims and concrete injury.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A