Date Received: 2021-07-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am a consumer and on XX/XX/2021 I sent Victoria Secret Consumer Relations Dept a letter pursuant to 15 U.S.C 1692g asking them to send validation of alleged debts, they have been reporting, falsely & inaccurately ; but they have yet to respond. They have been violating my rights as a consumer causing damages to my credit, reputation and mental capacity by communicating inaccurate, false, and misleading information about me. Under Penalty of Perjury, Victoria Secret is in Violation of the following : Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692g - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1692e ( 8 ) - False or Misleading Representation. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 168 1a ( 4 ) - Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681a ( 2 ) - ( 2 ) Exclusions. the term consumer report does not include ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Under Penalty of Perjury, Victoria Secret is in Violation of 15 USC 1681b ( 2 ) - Permissible purposes ; any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts that appear on my credit report are not mine, check them out Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 1. Identity Theft CB/ANNTYLR Account Number : XXXX This is not mine. 2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 3. Identity Theft CB/XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is not a duplicate complaint, please do not flag this as such. I am XXXX XXXX, and I alone, am submitting this complaint. I am not willing to be the middleman in this issue, as it is ultimately between you as a Data Furnisher ( XXXX - XXXX ) and the CRAs. XXXX - XXXX, is the Tradeline The request is to fix your data and in compliance with Metro2 data standards, so the record in your system - produces itself in a file then sent to a consumer profile/report correctly or delete it. Please let this complaint, reiterate the Do not Contact request previously supplied to you, except and as allowed through this portal, and then the laws that govern them. This complaint, nor the previous one - was never a request to validate any alleged debt. Instead, it is and was based on this Data Furnisher ( XXXX - XXXX ) reporting inaccurate, incomplete and then misleading data intentionally - to CRA 's, and have failed to respond to the noted issues. The responsibility of a Data Furnisher, I am relying on is based on FCRA FDCPA and e- cfr. https : //www.ecfr.gov/cgi-bin/text-idx? XXXX & mc=true & XXXX & XXXX For the CRA 's - Its simply FCRA. XXXX Score Calculations are based on 5 elements of a Tradeline, or Tradelines existing in/on a consumers profile/report. I have attached the description from XXXX as XXXX XXXX Ingredients, the source. XXXX Scoring calculations, are not different for each CRA. Payment History Amount of Debt Length of Credit History Amount of New Credit Credit mix Understanding this by then sending data to a CRA, maliciously / intentionally / or ignorantly data, that should be known with forethought, validation and oversight / QA, as the result becomes almost unreasonable to me, and then industry, governance, legal and compliance expectations. It is not until missed payments, collections and the like occur does the data go so far south that one must question its intent. IT testing, when files are sent or built, are part of a typical SDLC where expected results are defined. Comenity - XXXX is in acceptance of the demonstrative issues in this complaint, or any previous as their normal standard of delivery - and standards. I will also share what I have learned, painfully, for and to all consumers who see your entity on their report for this journey. Please Fix the tradeline so that the data collected from your systems, is produced in a file that is Metro2 compliant, sent to a CRA, and then as a Debt collector - or delete it. The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. XXXX in theory verifies the true expected results XXXX is saying is acceptable. See attached, for specific complaint details. This complaint is based on FCRA and FDCPA. Metro2 guidelines are the standard. DOFD/FACRA Date, FCRA - accuracy in reporting, Charge off balances, Pay History - Balance History and Rating History - and false/malicious data - being reported on my tradelines at all 3 CRA 's They are included in this complaint.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Comenity bank keeps lowering my credit limit on my XXXX XXXX account. I have been on time and current with my payments. I just made a {$160.00} payment for my recent payment. They have taken my available credit that I haven't used. My current credit limit is {$1600.00}. I had over {$500.00} of available credit when they lowered it to {$1700.00} a few months ago. I was saving my available credit & every time I think things are stable they lower my credit limit again. Don't they know when they lower my credit limit this also affects my credit score?
Company Response:
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I ordered furniture in XX/XX/XXXX. Was told that I would receive it before XX/XX/XXXX. Then I was I formed that I would receive it in XXXX. It kept getting delayed until mid-XX/XX/2021. I received my furniture damaged on XX/XX/XXXX. I I formed the store manager on XX/XX/XXXX. No one reached out to me to discuss until XX/XX/XXXX. I informed them on XX/XX/XXXX that I wanted a refund. I was told that they must pick up furniture first. I kept calling and emailing regarding the pick up but nothing. I called customer service and was told that the store manager put in a request on XX/XX/XXXX. Its been almost 4 weeks since I informed them that I want a refund for the damaged furniture and the store is holding my money hostage. This company did not hold up their end of the contract. They have had my money for 7 months and gave me damaged goods.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im building my credit so I check it every so often. so I wake up one day to see that I had hard inquiries from comenity bank/ XXXX XXXX XX/XX/2021 and XXXX XXXX XX/XX/2021 I have no knowledge of these accounts an I want them removed ASAP please an thank you
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : CB/VICSCRT Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Company Response:
State: CA
Zip: 91950
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: 2021-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A