Date Received: 2023-12-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Department of Education reporting inaccurately on my credit report which they didn't have my consent also all the information on all three reports have different information like addresses and phone numbers.
Company Response:
State: VA
Zip: 23227
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: Personal information incorrect
Consumer Complaint: Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. In support of my dispute submission, I have attached the necessary documents through the Equifax web citrix, as per the outlined procedures. Regrettably, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box , is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box nor is it representative of my current address, which I have owned for over 23 years. Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. Thank you for your immediate attention to this pressing issue.
Company Response:
State: GA
Zip: 30296
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: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Opened XX/XX/2019 Amount {$580.00} The company put it on my account after I told them I had no knowledge I was living in another state
Company Response:
State: GA
Zip: 30067
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: I recently requested debt validation from all three major credit bureaus regarding an auto loan with XXXX. After reviewing, XXXX and XXXX removed the account because XXXX found the information to be in XXXX, incomplete or unverifiable. I have relayed this information to Equifax and provided them proof of the investigation results from XXXX and XXXX showing that the account has been deleted, but they refuse to follow protocol. Under the FCRA XXXX XXXX XXXX XXXX XXXX XXXX credit bureau defines information to be in accurate they must share that information with all major credit bureaus as well. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89135
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: Reporting company used your report improperly
Consumer Complaint: I applied for an auto loan and did not give permission or consent To XXXX OF THESE PLACES!!! 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 XXXX
Company Response:
State: IN
Zip: 46307
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: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: FL
Zip: 33169
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: Account information incorrect
Consumer Complaint: After reviewing my credit report, I noticed I have a late payment being reported by XXXX. I notice the late payment was reported in XX/XX/2022. Please note I have excellent payment history with is copy and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. Please understand as a consumer my rights were violated by the reporting of this late payment. I would like this late payment to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Company Response:
State: TX
Zip: 76020
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: Account information incorrect
Consumer Complaint: XXXX XXXX is acting in bad faith and has reported inaccurate and incomplete information on my credit reports. I want a full investigation and have this account removed from all credit bureaus until such time this matter gets resolved. No futher contact from them as it is in violation of federal and state collection laws and State of Florida business regulations and licensing laws as they are in breach of contract. Cease and Desist
Company Response:
State: FL
Zip: 33068
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: Reporting company used your report improperly
Consumer Complaint: While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Fraudulent Inquiries : 1. XXXX XXXX, Inquiry Date : XX/XX/XXXX, XXXX 2. XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XXXX 3. XXXX XXXX XXXX, Inquiry Date XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Equifax, written permission or my consent to furnish this information onto my credit report or consumer credit file. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Company Response:
State: TX
Zip: 77054
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: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A