Date Received: 2023-06-22
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: I received a refund from the merchant, see attached refund receipt. Credit card coXXXX has not refunded back to my account.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have some accounts reported in my credit report that do not belong to me and I would like to remove it due to identity theft.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Company Response:
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a letter from Discover bank dated XX/XX/XXXX in response to my request for privacy and confidentiality in accordance to the fair Credit Reporting Act and the Graham-Leach-Bliley Act of 1999 alleging to be reporting accurately. I have enclosed a copy of a report obtained from XXXX evidence of noncompliance to my written request for deletion of the reported account from all consumer reporting agencies purported as credit bureau agencies. As of XX/XX/XXXX my credit limit of {$250000.00} is reported inaccurately as charge off/income to credit report. IRS definition of charge off is considered income. Why is income being reported on my credit report? A company cant report something as both income and debt. Has this credit balance been refunded in accordance to 15 U.S.C. 1666d? Please take notice, I revoke authorization of use and access to consumer reports for any credit decision for extension of credit and exclusion of labor/income as consideration for any extension of credit as the labor of a human being is not a commodity or article of commerce. As a protected class, I decline to any classification of that of an employee. Take notice of the modification to the terms and conditions herein for reconsideration of credit application to conform to the truth in lending act for an open-end consumer credit plan 15 U.S.C. 1635 and 15 U.S.C. 1637.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a stalement from your company requesting of a payment from XXXX XXXX in the amount of {$470.00}. I am willing to pay off this account in the full amount of {$2600.00}, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. According to 12 U.S.Code 83, " No national bank shall make any loan or discount on the security of the shares of its own capital stock ''. No money, devices, or services were loaned by DISCOVER to XXXX XXXX nor CREDIT WITH XXXX. I request documentary evidence on account ending in XXXX, pursuant to 15 U.S Code 44 which states that it must include all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all-caps name. I require this clarification in order to address the billing error for the amount shown in Exhibit ( A ). I need clarification as to who funded the account and how much is owed according to the journal and ledger entries from the date of opening of this account as described in IRS Publication 583 as the 10-K. On the public and private side showing accounts receivable and payable.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Discover Bank : this card was opened fraudulently, and I don't know anything about this card I saw this on my credit card my statement, and I went to file an alert with XXXX and I noticed this activity and 100 % of it is fraudulent! XXXXXXXX XXXX : this credit card was opened 100 % fraudulently, And I believe someone stole my identity from the IRS and filed a tax return in my name twice I put it personal filing PIN on my IRS account and when I went back on to my XXXXXXXX XXXX I saw multiple items that were opened up that I do not have anything to do with! XXXX XXXX : this account was opened up 100 % fraudulently when somebody got my passport and a copy of my ID in California and was able to file IRS tax returns in my name, this was before I got a personal filing PIN and they continue to open up accounts using my identity and all of my information I had my purse stolen with mail in it my passport and ID in California years back and they have been opening accounts in my name, and I'm ready to put a stop to it and get my account 's back on track! XXXX phone company : somebody stole my identification card and was able to go into the phone store and open up an account using my ID and I am very upset about this because they should have checked it and looked into it and not just let somebody use it I would like this removed please!
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft! I sent the proper documents for each fraudulent account. The companies continue to update my address from the credit bureaus which I did not give and authorization to do so. The accounts need to block and removed from my credit report.
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A