Date Received: 2021-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The account with COMENITYBANK/XXXX account number beginning in # XXXX with a balance of {$8400.00} is currently showing up on my XXXX Credit. I have notified both parties COMENITYBANK/XXXX as wells as XXXX and explain to them that i have no association with this account. When i spoke with XXXX i was told that the account is connected to a name and address that i have no association with. My Correct name and address is listed below. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX This inaccurate account is hindering me from employment as well as housing so I am requesting that Comenity Bank remove this account from my experian credit report being that i have no association with it. I am also requesting that comenity bank send me documentation so that i can forward to my attorney just incase i would have to escalate this serious matter. Thanks, XXXX
Company Response:
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
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: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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: 02301
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 2 late payments on my account because I attempted to pay it online repeatedly a few times and I kept getting kicked off the site because of technical issues. I trusted that the problem was fixed the following month but it appears it wasn't. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I sent Comenity Bank a certified letter that was delivered XX/XX/XXXX. ( Copy of letter uploaded ). It was a " letter of inquiry '' about Comenity Bank 's policies and procedures for reporting on credit reports for sold accounts. I sent supporting documents on past reporting of my sold accounts and asked Comenity Bank if they could answer some questions I had about their " past reporting ''. I stated multiple times within the letter this was NOT A DISPUTE. I stated my old accounts with them were reporting CORRECTLY since XX/XX/XXXX, I just wanted to get some information on their procedures and " past '' actions. I also stated I did NOT give them permission to access my credit reports. I did not want them altering any current information. Comenity Bank sold all my accounts to XXXX XXXX and stated XXXX was my " new creditor '', meaning they no longer had a business relationship with me or permissible purpose to access my credit reports. Instead of answering my letter in writing, Comenity Bank knowingly and willingly inserted erroneous dispute remarks with the 3 major credit reporting agencies XXXX, XXXX and XXXX. I never filed a dispute with the CRA 's for these accounts nor did I " dispute '' them with Comenity Bank. I was alerted to these disputes when I received 7 emails from EQUIFAX on XX/XX/XXXX. ( 1 example uploaded ). The emails state Comenity inserted a dispute remark saying " CONSUMER '' disputes, and multiple other changes. I then checked XXXX and XXXX XXXX Example of XXXX dispute remark uploaded ) and saw the same dispute remarks, other changes and the addition of a " duplicate '' Victoria 's Secret account on my XXXX report. ( Copy of both XXXX Victoria 's Secret accounts that are reporting uploaded ). The duplicate account also has a different account number and different closing date. This situation is not only in violation of the FCRA, but has caused me emotional distress, because it has possibly compromised my character and credibility with the Credit Reporting Agencies for future disputes. I would never dispute multiple accurately reporting accounts. This situation has also jeopardized my current chances of having my mortgage loan application approved. Comenity Bank has every right not to respond to a letter of inquiry from consumers but has no right to falsely report information to the Credit Reporting Agencies jeopardizing Consumers reputations.
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX Account : # XXXX Date Opened : XX/XX/XXXX Date of last Activity : XX/XX/XXXX Credit Limit : {$640.00} XXXX Account : # XXXX Date Opened : XX/XX/XXXX Date of last Activity : XX/XX/XXXX Credit Limit : {$640.00} How can I have two collections account listed on my credit report by the same creditor but different account numbers.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After pulling my credit report, I was made aware of an unauthorized debt appearing on my credit report via Comenity Bank/Victoria Secret in XXXX. Because I did not authorize the debt I contacted Victoria Secret and filed an identity theft affidavit with the Federal Trade Commission. Comentiy Bank asserted the account was closed because of questionable activity after an identity document was provided by a fraudster which did not match the documentation on file. However, Comenity Bank/Victoria Secret is complicit in the fraud as they refused to remove the account from my credit report. In XXXX, I made the identity theft affidavit available to Comenity Bank/Victoria Secret. I also requested removal of the fraudulent account from my credit report. Instead of protecting my information and removing the fraudulent account Comenity Bank/Victoria Secret further compromised my personal identifying information and participated in DECEPTIVE TRADE PRACTICES by selling an account it knew was initiated via fraudulent means to a collection agency, more specifically XXXX XXXX XXXX. As a result, XXXX XXXX XXXX placed the account on my credit report in XXXX. At this point both agencies were violating Fair Credit Reporting Act by simultaneously and erroneously reporting the fraudulent account on my credit report Consequently, after I contacted XXXX XXXX providing them with my FTC identity theft affidavit. As a result, XXXX XXXX removed the fraudulent account from my credit report in XX/XX/XXXX. Unfortunately, Comenity Bank has refused to remove the fraudulent account from my credit report. Instead of Comenity Bank contacting the purchaser of the fraudulent debt to verify removal of the fraudulent debt, XXXX, a manager in Comenity Banks Charge Off Department, requested I obtain a letter from XXXX XXXX XXXX verifying removal of the account from my credit report. I obtained the letter and provided it to XXXX with COMENITY BANK/VICTORIA SECRET. Subsequently, after receiving proof the account was fraudulent via unmatched identification provided by fraudster prior to the selling of the fraudulent debt, FTC identity theft affidavit and letter from XXXX verifying the account is closed and removed, XXXX as a representative of COMENITY BANK/VICTORIA SECRET has refused to remove the fraudulent account from my credit report
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased three items via XXXX. I returned all three items and XXXX took over two months to finally refund my personal debit card, however, my credit card was refunded, but I am being charged two late fees. Commedity Bank is saying that I am still responsible for the late charges even though it was XXXX that did not refund me in a reasonable amount of time. They refunded me one late fee with interest, however, they are refusing to refund me my second late fee, since the only reason it was late due to XXXX not reporting to the account. I don't understand why I would be charged {$50.00}, when the account balance should have been credited to XXXX. I would like to dispute this charge and get the balance to {$0.00} so that I can close the account.
Company Response:
State: WA
Zip: 98026
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. 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: 02301
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The company closed this card in XXXX. The wanted to verify some information from me and it could not be verified because they sent information to an address that I no longer live at. There is also a fraud alert on the account so no account should have been open or closed. To properly verify my identity, I went into an actual Victoria Secret to show my ID to open a card the right way since this was not done with the previous account. Now please remove that closed account from my credit file
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not open this credit card called ideal I contacted the company and they sent me a letter looked in to it and was a fraud I have the letter they sent to me saying I was not responsible for this card and they would send the 3 credit card companys saying it was fraud and it was never taken off my credit report 2 years Ive been waiting no response yet they will not take it off
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A