Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I hereby claim american disablities act, office of civil rights, my civil rights have been violated by Experian Reporting services. I am a XXXX person whom can not XXXX XXXX XXXX but XXXX XXXX XXXX XXXX XXXX. I have reported these thefts for the last 2 years but becuase I am XXXX and have speak via sign language they continue to damage my credit and refuse to remove items under FCRA 605B. THESE ACCOUNTS DO NOT BELONG TO ME AS EVIDENCED BY THE ID THEFT REPORT ATTACHED. Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I HEREBY DISPUTE THE FOLLOWING ACCOUNTS UNDER FCRA 605B 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: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation. RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS. 15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation. 18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business. 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities. FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft. 15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally. 15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS. 15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. 15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit. 15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j. 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check. 15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 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 instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts. They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX Experian data breach/ identity theft. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance 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 ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( 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 instructions of the consumer to whom it relates. ****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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 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 XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Contacted company a little over a month ago to opt-out of sharing my personal information/data to third parties ( Experian, XXXX, XXXX ) XXXX My consumer report still has not been updated and its been past 30 days. They are in violation of the US Law 16 CFR Privacy of Consumer Financial Information. I would like the specific account removed from my report exercising my rights pursuant to 15 U.S.C. 6802- Obligations with respect to disclosures of personal information and 15 U.S.C. 6805- Opt-Out enforcement which all coincides with the United States federal law The Privacy Act of 1974 establishing a Code of Fair Information Practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A hard inquiry by XXXXXXXX XXXX appears on consumer reports. No disclosures were given regarding this hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). 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. ( FCRA, 15 U.S.C. 1681 ) .Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C . 1681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
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 one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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: FL
Zip: 33991
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Social security number is XXXX on XX/XX/2023 experian did removed the fraud account ending in XXXX I have a federal trade commission identity theft report on file but it ended up appearing on my experian credit report as XXXX duplicate accounts ending in XXXX please have experian remove the fraud accounts their showing XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies per CFRA as a federally protected consumer. I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " 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. '' Notably, the " furnisher of information to credit agencies, '' qualifies as a financial institution under this statute. Furthermore, 15 USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and Experian can furnish consumer reports. This section explicitly states : " 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. '' the furnisher of information, does not possess written consent from me to access my personal information. Therefore, as a federally protected consumer I am now opting out of any-and-all authorization I, the consumer may have given you- written, unwritten, verbal or nonverbal per 15 USC 1802 with instructions of the following- ONLY : - Inquiries - previous address ( non-mailable ) - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - status loan term. I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA, on each of my consumer files with the three bureaus. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. The only current personal information I verify as accurate reporting is the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX Payment status, reporting and remarks for all accounts to be updated to paid as agreed/on time. Usage for all accounts to be updated to 0 %. The CFPB definition of Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Information added to your report without your written consent could be considered Identity theft. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to file a complaint regarding the inaccurate reporting of an account by Experian and XXXX. The disputed account pertains to an installment auto loan ( Account Number : XXXX ) with the following discrepancies : Experian : Date of Collection/Chargeoff : XXXX Unpaid balance reported as a loss by the credit grantor. Inconsistency in reporting the account status. XXXX : Date of Collection/Chargeoff : XX/XX/XXXX Consumer disputes - reinvestigation in progress. Discrepancy in the reported high credit and original charge-off amount. Lack of clarity on the resolution status. I have diligently disputed these inaccuracies multiple times over the past two years, in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, 15 USC 1681 section 604 ( a ) ( 2 ) asserts my right to privacy, and 15 USC 1666b stipulates that a creditor can not furnish an account without my written instructions. Despite my efforts to rectify these inaccuracies, both Experian and XXXX continue to update the information with further errors, violating my rights as a consumer. I kindly request your intervention to address this matter promptly and ensure the removal of the inaccuracies from my credit report. Thank you for your attention to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A