Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 31 USC 5118 : ( a ) United States coins and currency, including XXXX XXXX notes and circulating notes of XXXX XXXX XXXX and XXXX XXXX, are XXXX XXXX for all debts, public charges, taxes, and dues. ( b ) This subsection does not affect the XXXX of the XXXX XXXX under Section 5114 ( b ) of this title to regulate the amounts of United States coins. Practical Implications : XXXX XXXX XXXX : XXXX XXXX coins and currency, including XXXX XXXX notes and circulating notes of XXXX XXXX XXXX and XXXX XXXX, are recognized as XXXX XXXX XXXX for Debts and Obligations : XXXX coins and currency are acceptable forms of payment for all debts, public charges, taxes, and dues. Regulation of XXXX Amounts : While coins and currency are legal tender, the Secretary of the Treasury has the authority to regulate the amounts of XXXX coins. This authority allows for the regulation of coinage denominations and specifications. Recognition in Transactions : Merchants, businesses, and individuals are generally obligated to accept XXXX coins and currency as payment for goods, services, and obligations, with certain exceptions. It's important to note that the legal tender status of XXXX currency means that creditors are generally required to accept it for the payment of debts, and individuals are typically obligated to accept it in transactions. However, there are practical considerations, and businesses may establish their policies regarding forms of payment, including whether they accept cash, checks, or electronic payments. Additionally, the XXXX of the Treasury 's authority to regulate the amounts of XXXX coins allows for the management of coinage to meet the needs of commerce and transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have made several attempts to correct this inaccurate reporting with no success. I would like to opt out of the following reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am invoking The Privacy act of 1974, Fair Credit Reporting Act and FERPA because XXXX, Experian, and XXXX are not maintaining reasonable procedures to insure accuracy of the information they report. I am opting out of these reporting services.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccurate are stopping me from being able to buy a house or get a car to provide for my family these were accounts were not authorized by me. 15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A : it also states that a consumer reporting agency can not furnish a account without my written instructions. No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: all the inquires below were the result of fraud and was not authorized by me and needs to be removed from my credit file 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 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 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 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23504
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX XXXX Date of Inquiry XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I filed bankruptcy in 2013 and its still on my credit report I need it off there
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: According to 609 of the FCRA and resent guidelines of the CFPB 12 CFR Part 1022 This advisory opinion underscores that, to trigger a consumer reporting agencys file disclosure requirement under FCRA section 609 ( a ), a consumer does not need to use specific language, such as complete file or file. This advisory opinion also highlights the requirements regarding the information that must be disclosed to a consumer under FCRA section 609 ( a ). In addition, this advisory opinion affirms that consumer reporting agencies must disclose to a consumer both the original source and any intermediary or vendor source ( or sources ) that provide the item of information to the consumer reporting agency under FCRA section 609 ( a ). I have requested from Experian several times to disclose who and how did they verify the account informations under reinvestigation. Even though XXXX and XXXX has removed the exact same inaccurate information after reinvestigation. This my at least 6 attempts to correct this issue. Experian is clearly violating the federal privacy rights and disclosure requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed more than five times XXXX XXXX and XXXX XXXX I stated Im a victim of the XXXX XXXX breach my personal information was compromised I sent in police report ftc report id social and proof of address , and nothing changed got a letter stating information accurate account remains on credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/year> the company ( s ) were in negligent non-compliance with 15 usc 1681b with XXXX accounts XXXX XXXX and XXXX XXXX XXXX which are actually subsidiaries posing as separate entities both pulling hard inquires without permissible purpose which makes the companies civilly liable under 15 usc 1692k for Monetary relief XXXX per violation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A