Date Received: 2021-11-09
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to COMENITYBANK/VICTORIA, but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you.
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm really satisfied that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is zero as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CB/LNBRYANT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. 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: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Paid card off in XX/XX/2021 as I do every month since opening card. Didnt use card in XXXX come XXXX receive a bill for {$74.00} for late fee and finance charges when there was a {$0.00} balance. Called tried to talk to the rude customer service girl got to the point I just closed account. She said I had no choice but to pay. I paid the {$74.00} and now Im XXXX a month later I receive another bill for {$42.00}. Card was paid off and account closed. Called again and yet another rider customer service girl who said the same thing pay it there is nothing they can do. I am not going to fall for that again they are financially XXXX XXXX and if I keep just paying on a closed and paid off account they will continue to send a bill with some excuse every month. Enough.
Company Response:
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Other XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have constantly tried explained that these account were open fraudulently. I have awaited a letter in the mail to dispute this and I have not received that. Every call I get from this company, I have explained that I am waiting on a letter to complete the next steps in disputing these accusations.
Company Response:
State: LA
Zip: 71291
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed Bankruptcy in 2017 and my three Commenity accounts were all included and written off. XXXX XXXX and XXXX are reporting correctly however XXXX on all three Commenity accounts are reporting balances in error. This is causing a 80 point drop in my XXXX score and I need the balances updated to show {$0.00} owed.
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$95.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00}
Company Response:
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
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 have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A