Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX
Company Response:
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: First incident : XXXX account was reported twice for the overdue balance/closed account. Once in XXXX and recently. Discover closed my account ( XX/XX/XXXX ) while having me on a payment plan to pay off the account and never notified me of the closure. They claimed they sent mail to my home but I have opted out of paper mail, and never received an email or app alert telling me it was closing, just that I had monthly payments due.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX is saying i have a unpaid balance of {$3000.00} when i dont even have a account with them i have my own phone i had for over 2 years. It messed up my credit extremely. It says i opened the account XXXX XXXX XXXX
Company Response:
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, DISCOVER ACCOUNT # XXXX has violated my rights. 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes as stated on 15 USC 1666B .
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I checked my credit score, and I found out there are three new accounts opened with my known. I called three credit card companies ( Discover Card # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and asked for the address & phone number. I figured out it was my separated husband ( he lives in California, and I live in Texas ). I reported three companies with all evidence of card expenses in Texas so they could see that I did not open and use the credit card. But it looks like they don't take it seriously, and they told me that I should probably pay all credit card expenses. I asked him to divorce, and we submitted the joint petition for summary dissolution application in XXXX. Please help me with what I should do. I will attach the documents I did not open using those three credit cards. Also, attach the joint petition for summary dissolution application.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account had been charged off for almost 3 years. Countless time had disputed this debt and I will continue disputing until XXXX when it'll finally drop off my account, this given the fact the status of limitation had passed they won't be able to collect anymore on these alleged debt. As I previously mention before, this debt is the result of identity theft and a customer representative actually validated this info, there were calls made where the mention of identity theft happened back in XXXX on one of the calls I made. I had asked them for original credit agreement bearing my signature, all statements from beginning to end of the account right before they charged it off, and all payment methods along with payments history for account. Was never received by me. Also, they reporting a balance when the account is charged off. It is illegal to report a balance when the account is charged off ( aka written off ) they already received a credit for this debt by reporting it in their Financial Statements as loss. For which I'm asking for a 1099C. Attached my Original Police and FTC reports.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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: On XX/XX/2023, I entered into an agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase XXXX XXXX XXXX XXXX for a total price of {$700.00} which included a service fee for using my credit card to pay for the purchase. I was asked to pay a 50 % ( {$350.00} ) down payment which I did with my credit card. Even though XXXX XXXX XXXX sets up their office like that of a XXXX I was made to understand that they're not XXXX There's no XXXX on staff. I picked up the finished XXXX on XX/XX/2023 and when I picked it up I was dissatisfied with the fit because it was extremely uncomfortable. However, after trying for some time to get the XXXX properly fitted the vendor decided that she had had enough and she ordered me out of her office. I was arrogantly told to leave the office and that if I did not leave the office they would call the police to get me trespassed. Not wanting to interact with the police. I decided to leave and they told me that I had a warranty. I believe it was 30 or 60 days and that they would freely make adjustments doing the warranty period. After a few days I found that the XXXX were still extremely uncomfortable and that everything I tried to consume, even water would cause an astringent reaction and the roof of the XXXX and on top of the stringent reaction, most foods would also cause a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX XXXX and I complained about the astringent and rough feeling on the roof of the XXXX and the suggested I come to their office for adjustments. They also suggest they use any eraser on the top of a pencil to rub the roof off the XXXX I mentioned to them that they were unable to do the proper adjustments while I was at their office so it was useless for me to come back because they may once again offer to call the police to have me trespassed. I sent XXXX a certified letter within the warranty period asking for them to return my money in exchange for me giving back the XXXX. The certified letter was delivered to them but till this day they have not responded. I immediately filed a dispute request with Discover Financial and I sent them a copy of the certified demand letter which was sent to XXXX XXXX which outlined the fact that the goods provided was useless. Discover financial ruled in the merchants favor claiming that the merchant sent them proof that I purchased the goods. I did not deny that I purchased the goods. What I am Trying to explain to Discover is that the goods is no good. I am attaching a copy of this certified letter sent to XXXX XXXX Please help!
Company Response:
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We continue to be harassed about a debt that is neither mine nor my spouse by XXXX XXXX XXXX XXXX. We reviewed our credit report and are certain this is not our debt. We have been attempted to be served ( have video proof of them trying to serve us papers for a debt that is not ours ), continue to send back multiple certified mail attempts, and receive threatening phone calls nearly daily, etc. We communicated over the phone and over certified mail ( tracking below ) that the debt is not ours. We included the letter we sent the collectors. The debt belongs to XXXX XXXX XXXX ( presumed due to mailing address. Unbeknownst to us our phone number and home address is tied to this debt. That said, neither XXXX XXXX XXXX XXXX XXXX are the debt holders and they will not stop. Certified mail tracking numbers : XXXX XXXX XXXX XXXX
Company Response:
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Discover set up payment arrangements for my accounts in the amount of {$31.00} per month due to my financial hardships and then they charged off my accounts and has repeatedly harassed me by calling me every day for weeks.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A