Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: his is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below Comenity Capital/Childrens Place. This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This inquiries don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the inquiries that are reporting derogatory on all 3 credit reporting agencies. 1. 1. Identity Theft CCB/XXXX Date of inquiry : XX/XX/2020 This is not mine.
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank Victoria 's Secret is reporting lates on my accounts for XX/XX/20 XX/XX/20. During this time, I was really affected by Covid and was struggling financially as my employer cut my hours. Once I was finally back on my feet I was able to get current and have stayed that way. I ask that Comenity Bank Victorias Secret please remove the late notations as a one time goodwill adjustment. I am now in a situation to be able to buy a home and removing these lates would really help me be able to get into a home.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please review the following accounts that appear on my credit report, without any authorization, it is hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. 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 CBNA Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft CB/NY & CO Account Number : XXXX This is not mine. 7. Identity Theft CB/EXPRESS Account Number : XXXX This is not mine. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. Identity Theft CB/NY & CO Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I disagree with the settlement offered by Comenity Bank under Complaint IDs : XXXX and XXXX. They only reimbursed the interest charge of {$14.00} ( XXXX statement ) stating that XXXX payment was delayed due to address change of their processing department. The notification of this address change DID NOT show up until my XXXX statement! Therefore, the XXXX statement interest charge of {$17.00} and the XXXX statement interest charge of {$10.00} should also be credited back! The minimum payment of {$35.00} on XXXX was only sent to avoid late charges AGAIN, until Comenity could apply the payments that were delayed due to the address change.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed an account associated with Comenity Bank. The last payment was suspicious, but I paid it in order to close the account. I recently received and email see below for an account I no longer have XXXX XXXX What they will then do is charge me for a returned payment fee or some other fraudulent claim : One-Time Payment Step 1 : Select Payment Details Please submit payments for todays date by XXXX XXXX. Eastern Time ( ET ). Select Payment Amount Minimum Payment : {$6.00} Pay this amount by your due date to avoid late fees and keep your account in good standing ... Statement Balance : {$6.00} Current Balance : {$6.00} Other Amount : $ Save on Interest : Select to Calculate Payoff Balance : Select to Calculate Select Checking Account XXXX ... XXXX There was an error with XXXX ending in XXXX. Select Payment Date Due Date by XXXXXXXX XXXX ET : XX/XX/2021
Company Response:
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The account should be removed from report because it was opened in 2013. It's been past 7 years. The account has also been paid. The account is hindering me from obtaining housing, which is causing so much distress to my family. Please remove from all 3 credit bureaus.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
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: XXXX, XXXX, XXXX, XXXX of 2020 late payments were due to phone calls not being taken after XXXX. They would leave me on hold for over a hour and disconnecting the call. Once I called back the system would say call back during normal operation times.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
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 was never late on this account.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A