Date Received: 2022-01-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I HAVE A VICTORIA SECRET ACCOUNT THAT I DO NOT USE AND HAVE NEVER BEEN LATE ON IT. I RECENTLY HAD A 30 DAY LATE PAYMENT THAT REPORTED TO MY CREDIT TODAY. I WAS VERY TAKEN BACK AS I PAID THIS ACCOUNT OFF AND I DO NOT USE THIS CARD. I CALLED VS IMMEDIATELY AND THEY SAID THAT IT WAS DUE TO SOME TYPE OF INSURANCE ON MY ACCOUNT. THE REP CORRECTED THE ERROR AND BRAUGHT MY ACCOUNT BACK TO A ZERO BALANCE. HOWEVER I AM LEFT WITH A 30 DAY LATE ON MY CREDIT REPORT. AND I NEED THE LATE PAYMENT REMOVED AND THE STATUS UPDATED ON ALL 3 BURROUGHS. I AM IN THE PROCESSS OF PURCHASING A HOME. LITERALLY A FEW WEEKS OUT OF CLOSING AND MY WHOLE LOAN IS IN JEOPARDY FOR {$2.00}!
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was notified by the credit two different credit bureaus that my account had been closed, this was done without any notice or warning. Upon following up with Comenity Bank, I was told my card had not been used in six months and I was sent a letter on XX/XX/2022 that I still have not received .The representative stated the card COULD NOT be reopened. I am beginning to wonder if this is XXXX, I had an account closed by this same bank due to not using it, However, we were and still are in a pandemic. I think it should be fair practice you let the consumer know what's being done 30 days in advance. They don't know my financial situation just because the balance was XXXX
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
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 found out that the account i paid off is not being reflected as such on my credit report so i contacted XXXX XXXX XXXX ( the company i paid ) and they said that the original creditor ( comenity bank is reporting the account incorrectly ) and that i need to contact them. the response i received from comenity bank is that i need to contact XXXX XXXX in which i have already done. I am just getting run around while no one is updating or fixing the issue to reflect that the account was paid and not a charge off or whatever incorrect status they have it sitting in. I am resubmitting this complaint with the document that shows the account was paid and nothing owed so it should reflect a paid status on my credit report.
Company Response:
State: SD
Zip: 57006
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CB/VICSCRT Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
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: On XX/XX/2021 I paid off my Victoria secret credit card. After this date I did not receive a bill for any charges. It had a zero balance and they were charging me finance charges that went unnoticed due to the fact 1. I paid it off and it shouldnt have a balance 2. I did not receive a bill. They then reported this in XXXX to the credit bureaus as being in default. I did not receive any phone calls over those months saying I had a balance or anything. For the years I had this account I wasnt in default. It was current and paid monthly. This hit dropped my credit by a substantial amount.
Company Response:
State: TX
Zip: 76901
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I see this COLLECTION on my credit ..i contact the credit and sumit a claim .XXXX XXXX delete but XXXXand XXXX not..i told before i have the same problem and i was in court they dischard and delete..because is fraud identy theft..
Company Response:
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have submitted on many occassions ( XXXX, XXXX, XXXX, ) for XXXX XXXX to provide me with a physical copy of my contract with them and the original creditor Comenity Bank, showing that the account is indeed my account. I have only received the name, an amount and a date they opened the account. That is not a validation or itemization of the account. with the numerous amounts of information breaches. this is unacceptable. I did not open this account, and XXXX XXXX has not submitted any evidence of the account belonging to me This is the second account that XXXX credit has attempted to say I own. I fought the last one in court, and it was dismissed with prejudice.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts are NOT mine. There must be a social security number mix up or a name alias issue. I have never applied nor authorize anyone to open the following accounts. Please delete from my credit asap! I have attached a screenshot of the two accounts. - ComenityBank/XXXX - COMENITYBANK/VICTORIASECRET
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A