Date Received: 2024-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX Date of Inquiry XX/XX/2022
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please remove the inquiries since I did not submit applications for any of them.
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Subject : Complaint and Urgent Request for Compliance I hope this communication finds you in good health. I am writing to you regarding some substantial concerns I have uncovered during my thorough examination of the operations of [ Company Name ]. As a conscientious consumer and advocate for ethical business practices, I believe it is crucial to bring these matters to your attention for immediate investigation and resolution. 1. Opting Out Violation ( 15 USC 6802-6805 ) : Upon reviewing the legal framework provided by 15 USC 6802-6805 , which empowers consumers to opt out of financial information sharing with institutions, I have observed potential instances where [ Company Name ] might not be fully adhering to these statutory provisions. This has raised concerns about the protection of consumer privacy rights. It is my earnest request that your team conducts a comprehensive review and takes necessary steps to rectify any non-compliance issues promptly. 2. Credit Report Accuracy Infringement ( 15 USC 1681 ) : In the course of scrutinizing my credit report obtained from [ Name of Credit Reporting Agency ], I have uncover discrepancies that may be in violation of 15 USC 1681. This crucial federal law mandates the accuracy and fairness of credit reporting, placing a responsibility on entities like [ Company Name ] to conduct thorough investigations and promptly rectify any inaccuracies. Ensuring compliance with this law is vital for maintaining consumer trust and confidence. 3. CFPB Complaints Negligence : My investigation has brought to light a potential neglect in addressing and resolving complaints submitted to the Consumer Financial Protection Bureau ( CFPB ). Failure to actively engage with and resolve these complaints is a direct violation of CFPB regulations. I urge [ Company Name ] to conduct an in-depth internal review, recognizing and rectifying any shortcomings in addressing outstanding complaints. This proactive approach is not only essential for regulatory compliance but also crucial for upholding the reputation of your organization. 4. Privacy Act of 1974 Non-Compliance ( 5 U.S.C. 552a ) : Preliminary findings suggest a potential non-compliance with the Privacy Act of 1974 ( 5 U.S.C. 552a ). This federal legislation mandates precise management of personal information by government entities. Any deviation from its stipulations requires immediate attention. I strongly recommend that [ Company Name ] initiates an immediate internal audit to ensure strict adherence to the Privacy Act. Proactive steps in this regard will not only align the organization with legal mandates but also enhance overall data protection measures. 5. General Redress and Compensation ( 15 U.S.C. 1681n ) : The collective impact of these infringements has resulted in both quantifiable and intangible harm. In accordance with 15 U.S.C. 1681n, I formally demand [ Company Name ] to provide due compensation for the distress and material losses borne as a direct consequence of these transgressions. This includes but is not limited to the time and effort expended in rectifying inaccuracies, emotional distress, and any financial repercussions suffered. To facilitate a fair and swift resolution, I kindly request a comprehensive response addressing each of the highlighted concerns within [ a reasonable timeframe, e.g., 30 days ]. I believe that your immediate attention to these matters will not only lead to a swift resolution but also uphold the integrity of legal mandates and safeguard the rights and interests of consumers. Thank you for your prompt consideration. I look forward to your timely response. Yours sincerely, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32806
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, I received an alert from all three credit reporting agencies that a hard inquiry from XXXX XXXX XXXX XXXX had been placed on my account. This hard inquiry was fraudulent, and I never applied for any home loan because I am a XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX, and they informed me that they would stop the application and investigate it. XXXX later informed me that the application submitted was fraudulent, and they would have all three credit reporting agencies remove the hard inquiry and send me a letter. I called XXXX fraud department at XXXX on XXXX occasions, informing them that XXXX and Equifax were refusing to remove the XXXX inquiry. They informed me that they would send another XXXX requests to both agencies, but only XXXX removed the inquiry in XX/XX/2023. I also called XXXX and Equifax on several occasions, and they informed me that they wouldn't remove it even though the copy of the letter I got from XXXX to show proof wasn't enough. They told me that they never received a request from XXXX XXXX XXXX XXXX to remove the hard inquiry. XXXX XXXX XXXX has been very helpful in this case, but XXXX and Equifax have credited a hardship preventing me from getting a commercial business loan for a contract I was supposed to get.
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The account XXXX XXXX XXXXXXXX on my credit report was scheduled for removal after seven years, in line with the FCRA regulations. Furthermore, there is an alleged balance of {$1300.00} but this debt is uncollectible due to the statute of limitations. The statute of limitations in the state of Texas is 4 years! To my concern, XXXX has diligently followed this timeline and removed the aforementioned account from my credit report. However, XXXX and Equifax have failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. XXXX XXXX has already been notified that the account should be removed, and that the debt is uncollectible. I sent dispute letters to both Equifax and XXXX over 10 months ago. I urge XXXX and Equifax to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. You are also reporting incorrect data such as the date last active and payment history. Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that you will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is long overdue. Please see the attached credit report and the dispute letters which are dated, and time stamped.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: For the nth time I am addressing the issue of erroneous and deceptive data present on my credit report.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. Who is going to govern these agencies? By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - THIS ACCOUNT IS XXXX, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME UPSTART NETW - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. UPSTART NETW - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet XXXX, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX XXXX XXXX - Please verify by providing my XXXX copy of my XXXX, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX XXXXXX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME REPUBLIC/NC - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX XXXX XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXXXXXX XXXX XXXXXXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/XXXX - This account is XXXX XXXX XXXX I? m seeking XXXX. Please delete at XXXX. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at once. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX - XXXX - THIS ACCOUNT IS XXXX, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - THIS ACCOUNT IS XXXX, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX DESTINY - XXXX - THIS ACCOUNT IS XXXX, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXXXXXX XXXX XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX XXXX XXXX XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. XXXX - XXXX - THIS ACCOUNT IS XXXX, I DID NOT INCUR XXXX LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/XXXX - This account is XXXX XXXX XXXX I? m seeking XXXX. Please delete at XXXX. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX - XX/XX/XXXX - This account is XXXX XXXX XXXX. I? m seeking XXXX. Please delete at XXXX. XXXX XXXX, XXXX, and Equifax have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make XXXX consumer report containing any of the following items of information or XXXX other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish XXXX information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is XXXX.
Company Response:
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my XXXX report and found that you are illegally reporting XXXX XXXX XXXX information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$490.00} XXXX, XXXX XXXX, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite XXXX XXXX Complaint reporting. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove XXXX information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX To de pot a end. well as this account removed. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A