Date Received: 2023-05-28
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: COMENITYBANK/KAY XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with XXXX symptoms while battling other illnesses related to my XXXX service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the XXXX of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and XXXX. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Federal Credit Reporting Act XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Federal Credit Reporting Act XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Federal Credit Reporting Act XXXX Account number XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In according with the fair credit Reporting act XXXX XXXX XXXX XXXX Account XXXX 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 a 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 a late for any purpose.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have recovered from my identity being compromised and upon reviewing my credit report I noticed inaccurate information. I have experienced billing inaccuracies-failure to post payments to account, lost payments on account, no resolution to fraud case and has led to my account being closed and I would like it to be reopened. I use to work for the company XXXX and continue to shop with them and want my card and feel it was closed unfairly as I didn't authorize this.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Received far more than 7 phone calls within a 7 day period. Woke up this morning to 4 calls back to back ( by the second! ) that rang for about 1 second and then ended. This was at XXXX they knew they couldnt legally call just 5 mins earlier and didnt waste any time once it hit XXXX. The repeated calls happened again while I was at work this afternoon. I can prove that they have contacted more than 7 times in 7 days with my phone log. It was over 8 times today alone.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I Checked My Credit Report And This Credit Loan Is On It, Which I Have No Knowledge Of.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXXCOMENITYXXXX Account # XXXX 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 a 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 any purpose.
Company Response:
State: CA
Zip: 92405
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A