Date Received: 2021-11-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I need this to be resolved ASAP
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After looking over my XXXX credit report. I saw a XXXX Date : XX/XX/2020 from COMENITYCAPITALXXXX that has not been authorized by me. This is fraud.
Company Response:
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : 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 ( XXXX ) 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 XXXX 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 2003 ( 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. VICSCRT bal. {$0.00} 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. XXXX. 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 XXXX Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Company Response:
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: SOMEONE OPENED A CREDIT CARD ACCOUNT WITH COMENITY CAPITAL BANKXXXX XXXXN MY NAME ON XX/XX/2021. THEN PROCEEDED TO CHARGE {$1100.00}. THERE WAS A HARD CREDIT PULL FROM MY CREDIT BUEARU. WE HAVE ALREADY FILED A FRAUD REPORT AND ALERT TO OUR ACCOUNT. WE WILL NOW PUT A CREDIT LOCK ON OUT CREDIT BUREAU.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Card ending in XXXX is not being reported to the credit agencies as promised. I want accurate reporting of this revolving account.
Company Response:
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Today, XX/XX/21, starting at XXXX XXXX I have received XXXX calls from XXXX. I am paying my bill Wednesday but they continue to call
Company Response:
State: KS
Zip: 66212
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
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: An account was open with Comenity Bank XXXX XXXX XXXX XXXX in XXXX of 2021. The opening balance on the card was {$5000.00}. On 4 occasions the credit card company has been paid. XXXX {$500.00}, XXXX {$350.00}, XXXX {$250.00}, and {$350.00}. Totaling {$1400.00}. The checks sent to the correct po box XXXX with the correct account number on them have been received and cashed by the company. However, on SEVERAL occasions I have reached out to the company with no luck. After entering a formal dispute with the company, they still reported delinquency to credit score agencies. I was also told that they believe one of their employees may have stolen this money. Comenity is still harassing me for past due money, in which I have paid.
Company Response:
State: OH
Zip: 45245
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please advise that this is a continuation of CFPB complaint number XXXX. I previously contacted Comenity/Victoria 's secret advising that I dispute the account listed on my credit report under FCRA 623 XXXX a ) ( XXXX ) ( D ). At this point my issue has still not been resolved and this company has left me no choice but to file a lawsuit in the state of Georgia due to their unwillingness to delete the inaccurate account that they have included in my credit report, which has damaged my credit rating and caused emotional distress. This company previously responded stated that they will not delete this account because they're required by law " to report factual information ''. They stated that they will update the account to discharged in chapter XXXX bankruptcy instead of as a charged off account. First of all, I have never had a bankruptcy. Secondly, this account was updated on my XXXX credit report on XX/XX/21 as a charged off account in the amount of {$71.00}, which is completely opposite of how this account was " allegedly '' supposed to be reported. According to Comenity Bank/Victoria 's Secret, they are required " to report factual information ''. However, none of the information they have reported is factual. This is my final request to have this account removed from my credit report. If I get another pointless response saying this account has been " verified '', this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit files, namely XXXX, XXXX, and XXXX,
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX Decreased by {$13.00} This company keeps bringing my credit score lower and lower. I payed off my balance back in XXXX and closed my account with them. I DO NOT OWE THEM ANYTHING. Please help me.
Company Response:
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A