Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I've written to these companies before regarding this matter. They are reporting inaccurate information on my consumer report, and they refused to remove/delete names and addresses on my consumer report. That doesn't match my name and address on my driver 's license showing my exact name and address. This is the only name and address format I want showing on my consumer report every other name and address that's not the name and address on my driver 's license is not my name and address delete them immediately. There should only be one name and one address. Furthermore, you are furnishing outdated and irrelevant names and addresses. On the premises that the consumer report is supposed to be accurate and relevant, 15 USC 1681 B speaks about the relevancy of information on a consumer report and the obligation you have to report accurate information and you are reporting inaccurate, irreverent, and outdated information on my consumer report you have single-handedly caused damage to my reputation, my character, and my mode of living. This information needs to be immediately removed/deleted and properly updated. 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 XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89032
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: 2023-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Company Response:
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-12-22
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: 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: PA
Zip: 19063
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: To Equifax, 15 USC 1692 - FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ) subsection listed below. ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Page 18 | 43 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ; ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. ( 7 ) and Consumer Protection Act. ( that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. Below is a summary of the data in which I am challenging : 1. 15 U.S. Code 1650 Preveninting unfair and deceptive private educational lending practices elimination conflicts of interest XXXX Account Number : XXXX Please remove it from my credit report. XXXX. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. Since I attached my form of PROOF OF IDENTIFICATION, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, several times! This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I request that you send me a validation of all debts according to GAAP, if you can not do that then you must remove. ****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS. Thank you! XXXX
Company Response:
State: DC
Zip: 20032
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: To Equifax This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be validated or removed immediately : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. I do NOT RECALL BEING LATE 120-150 days on this account. This is INACCURATELY reported. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. XXXX XXXX Account Number : XXXX Under 15 USC 1666B, I demand you to update the payment record in this account. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Thank you for your time and help in this matter. Sincerely yours, XXXX XXXX
Company Response:
State: MD
Zip: 20707
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: 2023-12-22
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 am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and i see its not. My information has also been in a breach. This is a defamation of my character and causing emotional street on me. Identify Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.There are also some addresses, XXXX XXXX XXXX XXXX XXXX .
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: On XX/XX/23 I was applying for new credit so I went to my equifax online account to temporarily lift the freeze I have in place. I was unable to lift the freeze online, I received an error message advising me to call customer care. I gave a call to customer care and they were unable to remove the freeze as well. After being placed on hold for several minutes they advised me that a block was placed on my file and I needed to provide personal verification documents to them via mail. This was very upsetting because why do I even have a block on my file. They was unable to provide a reason. And requesting personal information via mail puts us at risk of fraud and more. But nonetheless being that I am currently trying to purchase a home, on XX/XX/23 I sent a letter along with 3 pieces of personal identification documents, asking for the block to be removed. The mail was sent priority and received by their company on XX/XX/23. I was told to call once I sent the letter and let them know and within 4days it should be corrected. I have spoken with customer care throughout this week and they are saying they didnt receive it. Lies, because I have receipt of delivery. I am unable to purchase or apply for anything because they have a block on my Account. I am entitled to my credit report and blocking my file is against FCRA. When you havent provided a reason for the block. And once I have provided my information to you, which I have, for Verification that block should have been removed. Not to mention all the disputes I have put in online and I have provided this same information as proof over and over again so what are you doing with the documents we send in to you. I need this block removed immediately.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-12-22
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 status incorrect
Consumer Complaint: This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Company Response:
State: PA
Zip: 19063
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: Friday, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. The following inquiries are unauthorized, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A