Date Received: 2022-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XX/XX/XXXX ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states .... According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy .... ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 XXXX Account number- XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of ... 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/22 CB/VICSCRT XXXX XXXX XXXX XXXX XXXX RE : We have disputed this account.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2022 I tried to open an account and was denied .I called on XX/XX/XXXX to find out why and was told that I would receive something within 10 business days and did not .So I again called on XX/XX/XXXX and the representative said they don't have to because its not a bank account it is a high yield savings account. According to the law they are obligated to let me know why I was denied so I can know how to fix the issue. I know XXXX XXXX was fined for the exact same issue
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I had a total of XXXX loaned to me by commenity bank. I paid them over XXXX back. Mainly due to their lack of not closing my account once I had it paid off and asked them to close it so interest didnt continue, their terrible communication, phone payment failure, online payment issues. Not only have I paid it back three fold, they harass me multiple times daily, have harassed my dad, mom, and even my brothers EX WIFE whom he has been separated from since 5 years ago, past employers etc. It is one thing for them to harass me when Ive already more then paid off my debt while in the middle of a pandemic and dealing with a XXXX scare and having to take care of my elderly grandmas, but to harass people who have NOTHING to do with the credit I have borrowed is a crime. I am XXXX XXXX XXXX and was an adult when I applied for credit with them. It is criminal how many calls I receive daily and people who are not me receive. My credit is completely destroyed and they are still harassing me. ENOUGH IS ENOUGH.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity bank needed a formal letter to have a cease and desist put on my account to stop repeated calls to both work numbers on file. I am currently off from work due to XXXX related issues that continue to reoccur. I need all correspondence to go to my mailing address.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened this account a year or so ago because my dentist offered it to me, I make regular monthly payments but noticed recently that my balance doesn't seem to be going down, so I looked through the transactions and realized they've charged me {$1300.00} once, and {$520.00} twice. I reached out to find out what the mistake was, and they said they {$1300.00} is a " credit '' on my account ( which it is not ) because they " purchased '' my previous balance at the end of a promotional period, and that the {$520.00} is being charged every month from now on. ( My original balance on this card was only ever a little under XXXX, and I regularly make payments of between XXXX and XXXX ).
Company Response:
State: AZ
Zip: 860XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: T Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are homeless and do not have a way around the Heat XXXX Arizona unfortunately has to provide. These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. Thank you. XXXX XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85033
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Despite the death of my wife, charges were made to her account. Over several months attempts were made online and via phone calls to dispute the charges and refund the money. Charges were eventually reversed. The bank refused to release the money despite providing a death certificate by mail and a copy of the death certificate via online. Today the rep requested proofs of payments by showing my bank statements. The rep acknowledged there is money in the account. I am getting runaround dealing with different representatives of the bank from the end of XX/XX/2021 to now.
Company Response:
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: SUMMARY OF XXXX FRAUD XX/XX/XXXX My appointment was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office was going to charge my XXXX XXXX {$1500.00} and XXXX XXXX {$1500.00} the receptionist office manager XXXX applied for XXXX credit on her own computer for {$8500.00} claiming my insurance amount didnt cover total treatment cost of {$11000.00} I trusted them and signed fraudulent treatment plan with {$8500.00} XXXX credit XX/XX/XXXX a total of {$11000.00} XX/XX/XXXX I requested XXXX treatment plan copy to receptionist XXXX to see what my XXXX XXXX insurance was covering and what XXXX credit was covering she said if I could stop and pick it up. When I got home, I didnt understand much of the XXXX fees. XX/XX/XXXX I had to double check my XXXX treatment plan billing, I did online researched and notice almost $ XXXX was just XXXX fraud unbundling cost and unnecessary treatments. Once I became aware of dental fraud at XXXX I email XXXX office to let them know to please cancel all XXXX services. XX/XX/XXXX by law I gave XXXX office 15-day notice to refund full amount of {$8500.00} back to XXXX credit XXXX. Due to Breach of Ethics, Breach of California Unfair Practices Act. ( Refund must be administered within 15 days of request. By XXXX XXXX, ( XXXX ) XXXX services : credit ) XX/XX/XXXX I summited my complain to the XXXX XXXX Case # XXXX XX/XX/XXXX XXXX office denied my full amount refund and only refunded {$2700.00} back to XXXX XXXX. XX/XX/XXXX I disputed {$5800.00} with Comenity Capital Bank who issue XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX close my Case # XXXX claiming they didnt find anything wrong, and they dont handle administration violations like XXXX fraud billing. on XX/XX/XXXX Comenity Capital Bank XXXX credit denied my dispute said to arrange form of payment of amount due {$5800.00} to XXXX XXXX. I cancel all XXXX treatment on time XXXX office never did or completed any XXXX services and the few XXXX services they provide my XXXX XXXX {$1500.00} covers but as today XXXX office never charged any XXXX fees to my XXXX XXXX insurance. XX/XX/XXXX I certified mail claim and defense letter to Comenity Capital Bank letting them know that I refuse to pay {$5800.00} for XXXX services that were never done or completed, and I cancel on time. And I dont think I owe this money. If they claim I owe them money {$5800.00}? to please provide me a copy of the written or electronic notice XXXX type I had to signed under law? SECTION 1. Section 654.3 ( d ) of the Business and Professions Code ( d ) A licensee, or an employee or agent of that licensee, shall not arrange for or establish credit or a loan extended by a third party for a patient without first providing the following written or electronic notice, on one page or screen, respectively, in at least XXXX type, and obtaining a signature from the patient : ( there is none because I never signed one ) *And I never completed XXXX credit application online check the IP address the receptionist completed on her own computer with my patient information form. And I was never giving a credit card pamphlet information before application. *And a copy of XX/XX/XXXX XXXX transaction {$8500.00} XXXX detail billing of each fee. XXXX XXXX certified mail a Cease and desist letter to Comenity Capital Bank letting them know that I refuse to pay fraud amount of {$5800.00} for XXXX services that were never done or completed, and I cancel on time. Comenity Capital bank never mail me a complete copy of XX/XX/XXXX {$8500.00} detail summary of each XXXX fee that I requested or a copy my dispute investigation report. Now I will be hiring a lawyer and will suing the XXXX and Comenity Capital bank. I will seek relief under law Section 1 654.3 ( h ) and Section 2 654.3 ( K ) ( I ) consumer fraud protection because XXXX fraud is consider a white collar crime under law. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. Comenity Capital Bank/ Forever 21 Account # XXXX 15 USC 1681 section 602 A 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 accounts without my written instructions.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A