Date Received: 2022-10-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to 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: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Errors with name and personal information are being reported.
Company Response:
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX has suppressed my credit report for the third year. I've asked for it to be unsuppressed last year around XXXX of last year they told me I had to send in documentation with a copy of my drivers license copy of a form letter from Social Security. I did that. I also sent them a copy of a name, change XXXX XXXX change it was valid for 90 days is no longer valid. I'm waiting for the update from the XXXX XXXX XXXX, XXXX XXXX, who are two years behind I sent copies of my passport yet and still there's still some pressing my file after sitting them the proper documentation last year they turned around and suppressed my file and that allowed me to do with. Meanwhile, I'm getting denial credit. They're violating the fair reporting act, and here it is again they suppress my file without any rationale or statutes of law why they do it they do what they want. This is ridiculous. They don't follow the law they break the law consistently I've been a victim of identity fraud. They still have things on my ad on my report that do not belong to me. They remove it, then suppress my file and then put the incorrect or fraud debt back on the there
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Today, XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX to inform them of the inaccuracies and erroneous information be provided by the consumers reporting agencies. They told me that the inform that they have no information on my rental history. Case # XXXX ( file year XXXX ) and Case # XXXX ( file year XXXX ). The XXXX case was Dismissed, because I moved after giving a notice to my landlord. The XXXX case was paid in full and I continued to live at the location until XXXX. Also, I contacted the Bankruptcy Court. A representative told me, that they do not report anything to any consumers agency. The Bankruptcies were dismissed and do not owe anyone. Why are the bankruptcies showing on the reports? Please investigate & remove all inaccurate & erroneous information on my file. Thank you in advance for your assistance in this situation.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: This public record does not belong to me
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I should only have one address & phone # on my report and I would like a reporting freeze on my credit from all credit reporting companies, it is within my legal right to have my information frozen and not given out at all, so please be so kind as to honor this request
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I requested a copy of my report from LexisNexis. When I review the report, I was shocked to find as many as XXXX reporting errors, including insurance information, public records, addresses that were not mine and other information that clearly indicate that I was a victim of identity theft. Unlike the credit bureaus, this information was inaccessible to me and the agency is not required to provide an annual report. A family member informed me of LexisNexis, instructing me to request a report.
Company Response:
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I am trying to retrieve my consumer report. Due to the previous identify theft issues I will provide a notarized affidavit of identity.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A