Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: FCRA requires consumer files accurate and complete. Want account to list on credit report entire payment history & updated status ; date account was opened and closed ; credit limit ; high credit limit ; balance, high balance ; list in payment history section year and month payments were 30,60,90,120,150, 180 days late and charged off date. XXXX XXXX XXXX informed me that account is owed by them effective XXXX. And XXXX does not own account, however account is 100 % inaccurate. Attached is document from XXXX XXXX XXXX stating their ownership. Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues. the CFPB, together with the Federal Trade Commission ( FTC ), filed an amicus brief in Sessa v. Trans Union , LLC, a case in which a consumer sued XXXX, one of three nationwide credit reporting companies, for violating the FCRA. There is no dispute about the facts : XXXX reported on a consumers credit report that she owed nearly {$20000.00} on a car lease that she actually didnt owe under the plain terms of her lease. The consumer sued XXXX, arguing that it had violated the FCRA by failing to have reasonable procedures to assure the information on her report was accurate. XXXX argued that it couldnt be responsible for failing to do its duty because the error was legal rather than factual. XXXX also argued that the incorrect information couldnt be inaccurate because it was provided to XXXX by the company that financed the lease. The brief filed by the CFPB and FTC points out that the FCRA does not contain an exception for legal inaccuracies. Rather, the law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. While XXXX argues that the inaccuracy on the consumers credit report was based on a legal dispute, the error was simple and straightforward : XXXX reported that the consumer owed money that she clearly did not.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The payment status for Comenityvank Victoria secret last XXXX # XXXX is listed as current account/ was delinquent 60 days past due date. In accordance with the fair credit Reporting act Community Bank/Victorias Secret has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi % purpose.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened up a credit card account with Torrid earlier this year. I made one or two purchases and decided to close the account. Over the phone, I paid off my remaining balance and requested my account be closed, which I was told it would be. I began receiving daily phone calls from Comenity Bank telling me that I had a balance. I didnt realize it was associated with Torrid and in XXXX of this year, I made a payment of around {$25.00}. Again, I began receiving daily phone calls and about a month ago, I spoke to a representative and they told me that I had a balance of {$82.00} and that I needed to resolve it. The {$82.00} was due to internet charges and late fees. I explained the situation and demanded my account be closed and I refused to pay the charges. The representative assured me that he would get rid of the charges and close my account. Today, I received ANOTHER bill in the mail for {$82.00}. I am extremely frustrated and I need help getting them to close my account. Every month they are stacking on more charges from interest and late fees.
Company Response:
State: CA
Zip: 93422
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX I got XXXX XXXX XXXX from XXXX XXXXXXXX and they approved me for credit. They evidently use Commentiy bank for the loan. Commenity mailed a statement that says pay your bill but they ask you to login and pay with a account number. I never received an account number. They contacted me about a past due balance, when I tried to pay them, I asked for my account number so I could pay online and they could not give it to me. Then immediately after the calls got worse. They harassed me several times a day and when I would answer they would hang up then when I would call nobody would help me. Like one person said they don't know my account number I called to speak with a supervisor and they would not transfer me. I finally told them not to call me anyone a few weeks ago. Now, today XX/XX/2023 I got a text from my sister, with an audio recording from XXXX XXXX XXXX option XXXX XXXX XXXXXXXX. This lady purposely called my family member who is not listed on any of my data. I am independent and never ever give out family members information. My sister is not involved in this and should not be harrassed like the. This hurt my feelings to have someone call my family member who is in Minnesota. I am in XXXX, NC and I have not told this company about any of my family. They researched my family members on XXXX evidently. I don't want them to call lmy family or me. This is ridiculous. I think they are harrassing me. I lost time from work today to call XXXX and try to report this. They told me to contact you. Please help me! I do not know what to do. I feel threatened, and that they are going to give out my credit information. I have had some issues with my bank account also. I dont know if they are doing anything with my social security number and I do not trust them. I have disputed their bill with the credit reporting agency. I don't want to be harrassed. I feel like taking out a lawsuit against them anyway because the procedure was painful and did not work. Please help! Thank you
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33010
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: The account in question in the " COMENITYBANK/GANDRMT '' on my XXXX Credit Report. I have disputed this account twice, once in XX/XX/XXXX and once in XX/XX/XXXX. The account was sold to a collection agency on an unknown date and the original account in question is shown as " closed, {$880.00} written off ''. This account is currently showing the last payment made to be on " XX/XX/XXXX '', which is almost XXXX XXXX XXXX XXXX XXXX ago. This should put the account as delinquent in XXXXXXXX XXXX XXXX ( still passed the XXXX limit ). I have contacted the original creditor and they do not have any account information including payment history or when the account was sold to the collection company. My understanding is that a charge-off account stays on your credit for 7 years past the date the account goes into delinquency. This was confirmed to me on the XXXX website in an article they published about " charge-off accounts '' which I've attached below in the documents. I believe they are treating this account like the collection account It would have been at the collection company which would have stayed on my report for 180 days after delinquency plus the 7 years had it not already been removed by the collection company. This account has already been deleted from 2 of the 3 credit report agencies.
Company Response:
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A