Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights 15USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open -end consumer credit plan as late for any purpose
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The balance is incorrect, this company has been adding illegal fees without proper notification, the date of late payment is inaccurate and the company failed to provide proof.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was denied my XXXX direct PLUS loan because of identity theft. There are two accounts ( Capital One, XXXX XXXX, and XXXX XXXX XXXX XXXX - sent to the XXXX XXXX XXXX for debt collections ) that are preventing me from getting my loan. I did not make these accounts, and someone is impersonating me ( they have a fake identification with my name and birthday, and they have my social ). I am scheduled to graduate in XXXX, but I will have a hold on my account as I am using loans for school and can not pay tuition due to these holds. I have filed complaints regarding all of these companies, and I have also filed police reports with the XXXX Police Department ( I am from XXXX ). The accounts were all made in XXXX, CA. The person impersonating me/who has stolen my identity has several outstanding payments ( Capital One, XXXX XXXX XXXX XXXX ) and deposited counterfeit checks ( to XXXX XXXX XX/XX/XXXX and XX/XX/XXXX totalling to be {$57000.00} ). I have an investigative specialist through XXXX ( XXXX XXXX | Restoration Specialist T : XXXX ) who is aware of all of this and is working on my case. Until this is resolved, I can not get my loan for school and therefore can not graduate. I am a XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX student at XXXX University ( online ).
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had personal data stolen from my trailer in Oregon. Someone is trying open credit in my name. I have put a freeze on my credit. I called capitol one and XXXX XXXX XXXXXXXX. Capitol one said someone applied for a card. Capitol one has canceled denied the request for the card
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. The account listed below has violated my federal given consumer rights to privacy amongst other things. Account name- XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account # XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account name- XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Along with grossly reporting my accounts to these agencies, The following are exampled of errors that are being reported to credit agencies. I have challenged these with these companies and they have refused to change the reporting. below are examples. 1. In XX/XX/XXXX XXXX XXXX stated I was 150 days late to XXXX but reported to XXXX that I was 120 days late. False information which is a major violation 2. In XX/XX/XXXX XXXX XXXX XXXX I was 150 days late to XXXX but reported me as paid to XXXX. XXXX. From XX/XX/XXXX to XX/XX/XXXX XXXX XXXX allowed XXXX to list my account as charged off while XXXX lists my account as updated and " okay '' XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was LATE while reporting ON TIME to XXXX and XXXX XXXX. XXXX XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE 7. XXXX XX/XX/XXXX this company reported to XXXX that I was 30 days late while reporting paid on time to XXXX and XXXX 8.XXXX- XX/XX/XXXX this company reported to XXXX that I was ON TIME while reporting to XXXX and XXXX LATE XXXX. XXXX XX/XX/XXXX this company reported to XXXX XXXX I was LATE while reporting ON TIME to XXXX and XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, 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. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the car accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, Capital One, XXXX XXXX, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX XXXX me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had XXXX missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The back and neck soreness that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/23 Capital one removed my credit card from XXXX and my score dropped XXXX points the credit card is still active, in good standing and currently reporting on all other credit bureaus. I called XXXX on XX/XX/23 and they said I needed to contact capital one if I wanted it added back I then called capital one and they gave me intrusions on where to mail the request and what information to include in my letter I then sent the letter out that same day to capital one asking them to add my credit card back to my XXXX and I havent heard back about it I did a follow up call last week and no one could tell me anything I need this resolved swiftly
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Kohls has vilated these rights In accordinace with the fair credit reporting act XXXX XXXX XXXX Kohls ) has violated my rights 15 usc 1681 Section 602 States I have the right to to privacy 15 USc 1681 Section 604 A Section 2 : 15USc 1666B These rights have been violated
Company Response:
State: CA
Zip: 92337
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX Social : XXXX Birthdate : XX/XX/XXXX Account number : XXXX How many laws will you allow this company to abuse before stepping in and protecting consumers? XXXX. ) First investigation they did was not conducted correctly because if it was they would've seen the huge discrepancies on my account. They said it was verifiable & complete & accurate information. 2. ) Reinvestigation came back with the same result. I gave them multiple opportunities to conduct a fair and accurate investigation. Instead of doing their due diligence I suffered by not being able to receive a personal loan. Also defamation of character as I went into my bank and was denied DUE TO THIS COMPANY not completing a proper investigation XXXX. ) They have now chosen to harass and cause me XXXX not only XXXX XXXX XXXX XXXX XXXXXXXX XXXX but by mailing me a paper with language stating on it that I owe a Debt that is inaccurate and incomplete. Again I ask : How many laws will you allow this company to abuse before stepping in and protecting consumers? Law they are violating : The Fair Debt Collection Practices Act ( FDCPA ) Account number : Inaccurate info XXXX & XXXX ( XXXX ) or XXXX ( XXXX ) Date of last activity : Inaccurate info XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) or XXXX : ( XX/XX/XXXX ) Date Opened : Inaccurate info ( I have proof ) Payment status : Inaccurate info ( I have proof ) Past due Amount : Inaccurate and incomplete info ( I have proof ) Account status : Inaccurate info ( I have proof ) 1. Continued attempts to collect debt not owed or properly investigated due to intentional negligence 2. Illegal or unethical communication tactics 3.Many more illegal debt practices like privacy laws being violated
Company Response:
State: FL
Zip: 33782
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A