Date Received: 2022-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, XXXX XXXX BANK ( XXXX XXXX XXXX. doing business as XXXX XXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, XXXX XXXX XXXX XXXX doing business as XXXX XXXXXXXX placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of XXXX derogatory remarks on XXXX, XXXX and XXXX. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has committed XXXX violations. The account with XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ). After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXX has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : XXXX XXXX ( XXXX XXXX XXXX. also known as XXXX XXXX XXXX doing business as XXXX XXXXXXXX alleges to be original and current creditor 15 USC 1692e : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. also known as XXXX XXXX XXXX. doing business as XXXX XXXX alleges to be the original and current creditor, Again on XX/XX/XXXX the company has again placed a derogatory remark with XXXX, XXXX, and XXXX dropping my on time payment from 100 % to 0 %.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Creditor is in violation of 15 U.S. Code 1692b ( 2 ), also in violation of 15 U.S. Code 1692b ( 5 ), also violate 15 U.S. Code 1692c ( A ), 15 U.S. Code 1692c ( 4 ). reporting requirements do not comply with FCRA standards and the information must be deleted immediately
Company Response:
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022, I applied for a personal loan with XXXX. My application could not be approved due to " UNABLE TO VERIFY CREDIT/APPLICATION INFORMATION ''. I have made several attempts to contact the creditor ( XXXX ) to ascertain why they were not able to verify my credit to no avail. I have called all 3 CRAs including XXXX LexisNexis and XXXX were frozen several years after learning that I was a victim of Identity Theft. These agencies were reporting incorrect and, fraudulent activity on my credit file that was adversely impacting my ability to obtain new credit. I haven't heard of XXXX until now. As a result, I attempted to place a freeze and Extended Fraud Alert on my credit report with XXXX but was unsuccessful ; the system would not allow me to submit the request stating it was unable to process my request. I even called and spoke to the consumer support department to try to get this resolved over the phone but was advised that I needed to mail in a copy of my identification, SS card, utility bill, etc for verification purposes. The question is, " how can you ( XXXX ) as a reporting agency report inaccurate/fraudulent information on one 's credit report without first verifying that you are reporting to the correct person? It should not be the responsibility of the consumer to provide proof of identity ; hence, the burden should rest upon the data furnishers to provide accurate information.
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : FAILURE TO RESPOND TO PREVIOUS DISPUTE Of REMOVAL OF XXXX XXXX BANKRUPTCY To Whom this may concern : After reviewing my credit report from XXXX and comparing it the Lexis Nexis Report you recently sent me, I noticed that there is inaccurate information with regard to the filing. On the notice of Bankruptcy Filing it lists the Debtor as : XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dispute 1 : 1. United States XXXX XXXX Bankruptcy : o Filed XX/XX/XXXX o Case : XXXX o Response from the United States Bankruptcy Court indicating that the Bankruptcy did NOT furnish information to verify this filing as belonging to me. I am Disputing this as this is not me correct spelling of my name, nor do the numbers or address on the filing belong to me or anything in relation to me. This information is inaccurate and needs to be removed from my credit bureau. No address or REG # XXXX has or was ever affiliated with my credit report. Current XXXX file does not reflect either these numbers nor my address as the one listed on the bankruptcy filing. Accordingly because of this inherent disconnect this needs to be removed immediately. Enclosures : 1. United States Postal Service Confirming Receipt 2. Identification of XXXX XXXX 3. United States Bankruptcy Court Verification of Bankruptcy NOT belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 4. CFPB COMPLAINT XXXX 5. Federal Trade Commission ( FTC ) Report of IDENTITY THEFT 6. Bureau of Prisons Letter of Incarceration as PROOF of IMPOSSIBILITY of filing XXXX XXXX BANKRUPTCY Under the Fair Credit Reporting Act ( FCRA ) you are required to verify, validate and ensure that all information on my credit report is reflected as accurate. As I have stated previously, and what the evidence shows, this information on my credit file that reflects, alludes to, or mentions a XXXX XXXX Bankruptcy is inaccurate and needs to be removed. ALL information, data, and Accounts showings or indicating a XXXX XXXX Bankruptcy should be REMOVED immediately. RATIONALE FOR REMOVAL : 1. YOUR PUBLICATION OF MY INFORMATION IS INACCURATE AND VIOLATES THE FEDERAL CREDIT REPORTING ACT : Under the FCRA you are required to ensure that information is not only accurate but in fact, belongs to the credit file in which you are purporting the information is linked. At the time of this Filing of Bankruptcy, I was a resident of XXXXXXXX XXXX, I was not a resident of the XXXX XXXX XXXX XXXX making it Impossible to file a bankruptcy. 2. YOU HAVE FAILED TO ENSURE THAT EXTENDED FRAUD ALERT IS PURPORTED ON MY CREDIT FILE AND THEREFORE CREDITORS/FURNISHERS HAVE NOT BEEN GIVEN NOTICE TO CONTACT ME PRIOR TO ENGAGING OF CREDIT ACTIVITIES : On or about XXXX My information was subject to the XXXX XXXX XXXX and an extended FRAUD alert was placed on my account. Accordingly, I have had issues with my identity and accounts being opened in my name fraudulently. Accordingly, an FTC filing of IDENTITY THEFT has been provided to demonstrate that this information and all information cited as BANKRUPTCY do not belong to me. 3. UNDER FCRA 1022.24 REASONABLE OPPORTUNITY TO OPT-OUT : UNDER THE FCRA id. 1024.24 you as the FURNISHER are required to provide reasonable opportunity to OPT OUT, once a person has requested OPT-OUT you must comply and only furnish limited information about that person to any requesting activity, moreover, with this OPT-OUT provision, you are prohibited from maintaining records outside of General Information regarding the person within your database. As a result of the DATA BREACH, XXXX XXXX OPTED-OUT of allowing furnishers to have access to his information for the purposes of resale, commercial or supplementing the credit bureaus data. Accordingly, the information housed in your database is done so without my expressed permission and is not only a violation of the FCRA but violates my right to Privacy under 1974. 4. ILLUSTRATING AGED INFORMATION AS CURRENT : Each account associated with the XXXX XXXX Bankruptcy is inaccurate and needs to be removed along with the BANKRUPTCY FILING PETITION. As demonstrated this information does NOT belong ot me and is inaccurate. In a review of XXXX the FILING PETITION lists an ADDRESS that DOES NOT BELONG TO ME XXXX XXXX XXXX XXXXXXXX, I have never lived in XXXXXXXX XXXX ; additionally, a FILING of bankruptcy in XXXX with a XXXXXXXX XXXX ADDRESS is inconsistent as XXXX XXXX is in the XXXX XXXX XXXX XXXX for BANKRUPTCY not XXXX. Again the data and inaccurate information in your system conflicts with the jurisdiction of the courts who are reporting these matters and therefore the information can NOT BE VERIFIED and needs to be removed immediately. Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I am ordering you to cease and desist from reporting this inaccurate and erroneous information. At this time, I have been denied credit by several lending institutions citing the XXXX XXXX Bankruptcy on my credit file with XXXX. You are hereby, given noticed that If removal and updated credit report are not provided within 15 days of receipt of this correspondence this information contained in this letter combined with the Consumer Protection Financial Bureau ( CFPB ) complaint XXXX filed XXXX XX/XX/XXXX will be the basis of legal remedy sought to enjoin you from furnishing this information and to seek pecuniary damages. Sincerely, XXXX XXXX XXXX, XXXX.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My right to privacy is being violated by LexisNexis, in accordance to 15 U.S.C 6801 ( a ) FCRA. I have the right to privacy of my personal information. I find the obtaining, selling, and furnishing of this XXXX XXXX XXXX information to be an invasion of that right and demand that the bankruptcy accounts be removed immediately from my consumer report.
Company Response:
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
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: I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
Company Response:
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
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: I sent a letter to the courthouse asking do they report " Dismissed '' XXXXXXXX XXXX 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: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The reason for my dispute is that there are multiple discrepancies still showing even after filing my ID theft report. Remove the following immediately : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, PHONE # XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The information listed above is not only inaccurate and incorrect but also obtained without my knowledge, consent, or permission. PLEASE ADD A SECURITY FREEZE AND SEND ME A PIN NUMBER.
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: YOU BROKE THE LAW XXXX Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. ( See attached documents ). Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ( See attached documents ).
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: YOU BROKE THE LAW Pursuant to 15USC 1681 ( A ) ( 1 ). The banking system is dependent upon being fair and accurate. After taking a look at my consumer report, I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys initial investigation that you were going to report this information pursuant to 15USC 1681 ( A ) ( 1 ). This grave error has undermined my confidence in your companys procedure, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companys database. Pursuant to 15USC 1681 ( A ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness. Pursuant to 15USC 1681 ( A ) ( 3 ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this role and assumed this information was valid, which is a violation of my consumer rights. Pursuant to 15USC 1681 ( A ) ( 4 ) You did not insure that this information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this violated my rights to privacy. Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( i ) Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights Pursuant to 15USC 1681A ( D ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact a violation. Pursuant to 15USC 1681 ( A ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15USC 1602 ( i ) ALL Bankruptcy information ref # s XXXX, XXXX, XXXX, XXXX, XXXX currently showing under XXXX XXXX and all variations of my name and social security number is to be PERMANENTLY DELETED, SUPRESSED & REMOVED from all consumer reports immediately.
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A