Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I reviewed my Consumer Reports and noticed that multiple over 30 day late payments were reported on an account of which those specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I was not over 30 days late on these payments reported for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I appreciate your attention to the removal of some fraudulent items from my file resulting from an alleged identity theft. However, there are still items remaining that require removal. This marks my third complaint as a victim of identity theft, and I am submitting to dispute these fraudulent entries in my file stemming from the criminal activity. The disputed items are unrelated to any transactions for the acquisition of goods, services, or money that I have either made or authorized. Kindly remove the reporting of these items from my credit file, as they result from an alleged identity theft. Enclosed in this communication is my recently filed FTC Report # XXXX. -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX, LA XXXX. These items are unfamiliar to me, and the information provided on these entries has been deleted from other bureaus. I harbor doubts about their accuracy, and the reported history on these items remains a mystery to me. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) - Authority to decline or rescind, and FCRA Section 605B ( a ) - Credit Reporting Agencies shall remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I'm disappointed with the dismissal of my identity theft claim, citing an error or misrepresentation. This raises concerns about your authority to determine material facts. It's crucial to note that your role doesn't grant judge or jury powers. Following FTC guidelines, an identity theft report with a law enforcement agency ( FTC itself ) warrants a thorough investigation.XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I'm offering one final chance for you to address my request. Failing to do so leaves me no option but legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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 hope this letter reaches you promptly. I am writing to express my concern and frustration regarding the unresolved issue of the late opening of my account with Credit Bureaus. Despite my previous attempts to address this matter, it remains unresolved, causing significant inconvenience and frustration. I initiated the account opening process, and as of today, my account is yet to be activated. This delay is impacting my financial planning and causing undue stress. Details of my account application are as follows : Expedite the process of opening my account and ensure its activation at the earliest convenience. Improve communication channels to keep me regularly informed about the progress made and the expected timeline for account activation. Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. I understand that unforeseen circumstances may contribute to delays, but the extended nature of this situation is causing considerable distress. Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to correct these late open accounts in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$7800.00} ; ATTYGENERL XXXX Balance : {$8100.00}.
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: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: i got my XXXX XXXX permit. The XXXX XXXX means XXXX XXXX to drive a 26000-pound truck. The XXXX XXXX means i need some training to get the required skill to drive a big truck. I opted for an apprenticeship program with the truck company XXXX ... I signed an agreement with XXXX to be train on 3 weeks, and pass my XXXX A license test, then work with them at least 9 months. I went for the training. After 7 days class training, XXXX decided to fire me from the training. This is their reason : XXXX XXXX It is because of thaXXXX XXXX XXXX XXXX XXXX XXXX permit ) i opted to be train with them to get the required skill to move forward my truck career. They fired me means that i didn't receive their service and they didn't honor their part of the agreement we signed. I was surprised that them who didn't honor their part of the agreement charge me {$2000.00} and reported to collection agency. Now there is an derogatory mark on my credit report. Since XXXX year and half, my career is locked down because i can not get a loan to finance my truck driving school. My family is suffering for that situation, my dream career locked down because I was XXXX XXXX with a company. Is that right for a company to mess up a career of an individual who didn't commit a crime but was only XXXX XXXX? I didn't receive their service, they don't have to charge me up to lock down my brilliant truck career.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the listed inquiry immediately. XXXX XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am submitting my XXXX complaint today to reiterate my last complaint dated XX/XX/XXXX. Anticipating another monthly update for my credit reports through XXXX XXXX within 15 days, I sincerely request the Credit Bureaus to remove these fraudulent items from my credit reports. I have re-attached the new FTC Report XXXX and the identity verification documents. The following items need removal, listed per bureau : -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -- -- -- -- TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX. Let me reiterate that FCRA Section 605B ( a ) mandates that Credit Reporting Agencies remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than XXXX business days after the date of receipt. Additionally, FCRA Section 605b stipulates that Credit Reporting Agencies are required to remove any items listed on an identity theft report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A