Date Received: 2021-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Comenity Bank. I've never even heard of this bank. I went to a presentation for XXXX XXXXXXXX XXXX timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Credit Line at Comenity Bank, for {$5800.00} in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX credit check. This credit check was then used to obtain an unauthorized line of credit in my name without my consent, knowledge, or permission. This is a huge line of credit that I tried to get closed, but the representative at Comenity bank was not helpful and now this is really hurting my credit score while I'm trying to refinance my mortgage.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX this account is reporting OPEN, Negative & /or showing a balance after being included in bankruptcy XX/XX/XXXX which was discharged XXXX & closed XX/XX/XXXX
Company Response:
State: IL
Zip: 62526
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
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: HELLO CFPB, IN XXXX I GOT A VICTORIA SECRET CARD AND IN XXXX IT WAS COMPRISE SO THEY SEND ME A NEW CARD WHICH I NEVER GOT. AS OF TODAY I STILL HAVE THE OLD CARD. VS TOLD ME TO THROW IT AWAY BUT I STILL HAVE IT. THE OTHER DAY I TRY TO USE IT FOR {$40.00} AND THE LADY AT THE VS STORE SAID IT WAS BEING DENY. NO TRANSACTION AT ALL. NOW ON ON MY CREDIT REPORT VS HAS REPORTED ME {$40.00} PAST DUE AND I HAVE NO CLUE WHAT THAT IS ABOUT AT ALL. OLD CARD # XXXX NEW CARD # N/A
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I made mention that i have never owned a XXXX XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX XXXX, XXXX and also to XXXX XXXX XXXX with no luck. I have no idea who could have done this under my name.
Company Response:
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX, BJSCLUB, XXXX accounts were all payed off and closed,,, with the exception of of my BJ 's card it has a {$84.00} listing when this card was clearly denied when I received the card, the card was sent back and this should show as deleted,,,, all of them shouldn't remains on my credit report all this stuff is expunged.
Company Response:
State: CT
Zip: 06106
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
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: Reported me 30 days late within the same month the bill was due and paid.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX this is a XXXX balance and account has been closed
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is reporting false information to all 3 credit Bureaus every month, significantly impacting my credit score.
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Comenity Capitol Bank has a defaulted account in my name for a Forever 21 store card I never opened. I had identity theft issues during the XXXX breach a few years back. I disputed many accounts that came up in my name but have had a lot of trouble with this particular one. Ive disputed many times and other. Credit collection companies just pick it up again
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 791 I may presume that no proof of the alleged debt nor therefore if any such debt in fact exists. The is invalid, inaccurate, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating this non-complaint unverifiable account on my consumer report. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A