Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX and its representative are continuously showing no regard to the law and my right to privacy. They are telling me that their policy overrules the law. They are committing language fraud with misleading facts and giving their false interpretation of the law. They have caused and are still causing me defamation of character by illegally reporting information that should not be on my consumer report and misleading me and refusing to remove it. They are telling me that I have no right to privacy, and they are knowingly reporting income on my consumer report. Their said in your response As of XX/XX/XXXX, were reporting the account as an unpaid charged off account. According to the IRS ( Internal Revenue Service ) publication irs.gov, a charged-off is a certificate of indebtedness which goes along with a 1099c The Cancelation of Debt. It is considered to be income, and you know very well that income can not be reported on a consumer report. Proper procedures must be followed to ensure accurate reporting 15 U.S. Code 1681e. The Gramm-Leach-Bliley Act, require that they report their information data sharing practices, as well as provide me with information and the right to opt out of data sharing with 3rd party non-affiliate agencies, like XXXX, Experian as well as XXXX, or any other not listed here. It is also your responsibility to make sure that it is presented in a clear and conspicuous manner. They are in violation of this Act as they just admitted this, in your response that is attached. Furthermore in accordance with the Privacy Act of 1974 I have the right to privacy that they are trying to deny me. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40272
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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 formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$22000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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 writing to express my dissatisfaction with the handling of my credit report by your agency. I have identified multiple instances where there have been unsuccessful attempts to remove late closed accounts, including bankruptcy and public records, from my credit history. I am concerned about the accuracy and completeness of my credit report, and I believe that these errors are negatively impacting my creditworthiness. Despite multiple attempts to rectify and remove the late closed status, the account continues to be reported inaccurately. Despite submitting necessary documentation to demonstrate the resolution of the bankruptcy, the record persists on my credit report. I have attached supporting documentation, including letters of dispute and evidence of resolution, for your review. I kindly request that your agency conduct a thorough investigation into these matters and promptly update my credit report to accurately reflect my financial history. I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of the information they report. I expect your agency to adhere to these regulations and take the necessary steps to correct these inaccuracies promptly. Additionally, I would appreciate regular updates on the progress of the investigation and the actions taken to rectify these errors. Please provide a written response within 30 days of receiving this complaint, as mandated by the FCRA. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXX Balance : {$2200.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. XXXX XXXX XXXX XXXX : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute and request the removal of late dates and negative status associated with the following accounts on my credit report. XXXX and XXXX have already acknowledged and corrected this error, and I am perplexed as to why your bureau has not done the same. I recently communicated with the respective banks/creditors regarding these accounts, and they have acknowledged their error in reporting late dates and negative status. Moreover, as a goodwill gesture, they have agreed to my request for removal. XXXX and XXXX promptly updated their records in compliance with the Fair Credit Reporting Act ( FCRA ). I am frustrated and confused as to why your bureau has not followed suit. XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$510.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: on XX/XX/XXXX i checked my credit on XXXX i seen incorrect information on account i disputed this XX/XX/XXXX certified mail i don't know what they are doing maybe still looking or stalling i need you guys help to investigate also my credit has been giving alerts that my information is being used on the dark web so i went to XXXX breach to see if my information has been breach it claimed my info is breached i really need you guys help in this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I previously disputed the following accounts on multiple occasions and did not receive a response from XXXX, Experian, or XXXX, which within itself, is 100 % grounds for removal of the disputed information. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX [ Unverified account : XXXX XXXX are already aware that my personal information was compromised and that this account was fraudulent. This account was not removed four days after receipt of notice. Years ago they vowed to remove this account from my credit report when I first filed a FTC complaint. They continued reporting! If this account continues to report after 45 days of receipt, I will begin to seek monetary relief for damages ] ; XXXX XXXX XXXX XXXX [ Unverified account : This account was removed a couple of times, but keeps coming back. They did not follow reinsertion laws per the FCRA, Section 611 ( a ) ( 5 ) ( B ) ) which I did NOT receive notice within 5 business days, -nor did I consent for the item to be furnished again. Plus, XXXX has openly admitted, and likely on a recorded call, on MULTIPLE occasions that after their investigations had concluded, they found this account to be fraudulent and that it would be removed permanently! Why is it still reporting!!? If this account is not removed from my credit report within 45 days, I will begin to seek monetary relief for damages ] ; XXXX XXXX [ Unverified Third-Party ; Documentation Requested ; never provided ] ; XXXX XXXX XXXX XXXX # # # # # # XXXX [ XXXX ] [ XXXX account : Third-Party ; Documentation requested, never provided ] ; XXXX XXXX XXXX XXXX [ Unverified account ; Third-Party ; Documentation Requested, never provided ] ; XXXX XXXX XXXX XXXX [ Unverified account ; Third-Party ; Documentation Requested, never provided. ] I informed all three Credit reporting agencies, also referred to in this document as, XXXX XXXX, of the federal laws listed in this complaint, and politely demanded that the they follow the laws during the dispute process, -to which none of XXXX XXXX adhered to, -and continued to furnish the disputed information. Below are excerpts of FEDERAL LAW, which I have provided to XXXX XXXX, and trusted and expected them to follow, and to do what is right. [ # 1 ]. The CRA 's did not follow 15 U.S. Code 1681i, being that they did not respond to my dispute within the allotted time set by the FCRA. ( # 2 ) I gave notice, by informing The CRA 's that there is information being reported that I believe to be inaccurate and or fraudulent. Per 15 U.S. Code 1681s2 section ( a ) ( 1 ) ( A ), it states that 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. The XXXX continued reporting the disputed information even upon being notified that information was incorrect and or inaccurate, and even more serious, fraudulent. [ # XXXX ] I also informed the XXXX of 15 U.S. Code 1681c2 ( a ), which states that the consumer reporting agency SHALL block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS. I provided proof and appropriate identity documents, identification of such information, a statement by me informing The XXXX that " the information is not relating to any transactions made by me, the consumer ''. I even filed a case by reporting the fraudulent accounts with FTC.gov, and uploaded documentation, yet, all of these accounts are still somehow reporting by The XXXX. [ # 3 ] Furthermore, due to being a long term victim of identity theft, I informed the XXXX that I was concerned with my privacy being violated, and specifically referred them to 15 U.S. Code 6801, which states that I am supposed to be 100 % " protected from having my nonpublic private information being shared. This federal law specifically states that ( 1 ) it is the policy of the CONGRESS that EACH FINANCIAL INSTITUTION have an affirmative and continuing obligation to respect the privacy of its customers, ( 2 ) to protect the security and confidentiality of those customers nonpublic personal information, ( 3 ) to protect the security and confidentiality of customer records and information, ( 4 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and lastly, ( 5 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Also according to this law, I also informed The XXXX that I was never provided with the opportunity or choice to opt out. By continuing to report this information, it keeps me at risk. ( # 4 ) In addition to # 3, I informed The XXXX that they are in violation of U.S. Code 6802 which speaks on obligations with respect to disclosures of personal information. This law specifically states the following : that A FINANCIAL INSTITUTION may NOT, directly or through any affiliate, disclose to a nonaffiliated party [ ie : XXXX ] ANY NONPUBLIC PERSONAL INFORMATION, unless such financial institution provides or has " provided to the consumer a notice that complies with section 6803 of this title [ I NEVER RECEIVED THIS ]. This LAW goes on to state that, In general, A FINANCIAL INSTITUTION may NOT disclose nonpublic personal information to a nonaffiliated third party [ ie : XXXX ], unless ( A ) such FINANCIAL INSTITUTION, CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, in writing or in electronic form, that such information may be disclosed to such third party ; [ I DID NOT RECEIVE ANY CLEAR AND CONSPICUOUS DISCLOSURES OF ANY KIND. ] ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party [ WAS NEVER GIVEN SUCH OPPORTUNITY OR NOTICE ] ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, [ I WAS NOT GIVENY ANY EXPLANATIONS OF ANY KIND, NOR OPTIONS TO EXERCISE ; ( D ) with the consent or at the direction of the consumer ; [ I DID NOT PROVIDE CONSENT OF ANY KIND ]. You can find more about this here : 15 U.S. Code 6801, in both sections A and B, which are also being violated. ( # 5 ) I then went on to explain to The XXXX that TRANSACTIONAL INFORMATION, OR EXPERIENCES, between the CONSUMER AND THE FURNISHER are to EXCLUDED FROM CONSUMER REPORTING per federal law -15 U.S. Code ( 2 ). Even by THE CRAS being made aware of this, they still REFUSE to remove any of the disputed information, and have not provided me with ANY physical documentation ( # 6 ) It is really unsetting that I am having this experience with the CRA 's because according to 15 U.S. Code 1681 further findings by CONGRESS, pertaining to the ACCURACY AND FAIRNESS of credit reporting states that, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM, AND UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. ( 2 ) An ELABORATE MECHANISM has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. ( 3 ) CONSUMER REPORTING AGENCIES have ASSUMED A VITAL ROLE in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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. It is the purpose of this subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR AND EQUITABLE TO THE CONSUMER, WITH REGARD to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. For further context, please see 15 U.S. Code 1681a - Definitions ; rules of construction to define and make clear distinction of various words being used in the laws. Lastly, although both companies, XXXX and XXXX, have agreed to remove its respective account from my credit report, neither have provided any methods of verifications which I have previously requested on many occasions. Per my right under 15 U.S.C. 1681g, I requested full validation from XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX, which I have not received. I asked them to disclose all of the documents that they have recorded and or retained at the time of my dispute, and nothing was sent to me, therefore should be DELETED IMMEDIATELY under Section 611 ( a ) ( 5 ) ( A ) ( i ). These companies are also not XXXX compliant! Lastly, I do not appreciate how my character, reputation, and credit worthiness, are being damaged by the day, as long as these inaccurate, unverified, and fraudulent items continue reporting on my credit report. At this point, depending on the results of this dispute, I am willing to seek relief from the year XXXX when I first disputed, until now, and I am STILL unable to obtain financing due to these matters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer XXXX demanding the deletion of the accounts listed Immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A