Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am so beyond frustrated, I have been trying to address the errors and solve this problem with your agency and corporations and debt collectors and have continuously been ignored. I am now having to escalate things, because I am not being treated fairly and my complaints continue to be disregarded. I am needing to escalate things to a legal complaint, because these errors are invalid and unverified yet continue to stay on my report without knowledge of accuracy or my permission.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I will send a letter in the mail in XXXX of 2023 stated that my information may have been affected by the Equifax data breach I also received the email from XXXX XXXX XXXX advising me of this information to so now I'm taking the time out to write you all because I just had XXXX XXXX in XXXX and I wasn't able to get it done before then because I was losing my XXXX.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I NOTICED UNAUTHORIZED HARD INQUIRES ON MY REPORT OR I BELIEVE SOMEONE APPLIED FOR SOMETHING IN MY NAME. REMOVE ALL FRADUALENT ACOUNTS IMMEDIATELY
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly remove this to my credit report. This is causing me a lot of stress and XXXX
Company Response:
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX credit card has violated my rights. 1 5 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 a account without my written instructions
Company Response:
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention an issue that has been causing me significant distress and adversely affecting my well-being. It pertains to the late payments recorded on my account. I have recently noticed that there have been inaccuracies in the reporting of my payment history. It is my understanding that timely payments are crucial for maintaining a positive credit profile, and any discrepancies can have serious consequences on one 's financial well-being. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my records, I have identified instances where payments were made promptly but were not reflected accurately in the account statements. This has led to a misunderstanding of my creditworthiness and has caused unnecessary stress and XXXX. I kindly request your prompt attention to this matter and urge you to investigate and correct the inaccuracies in the payment history on my account. I understand that errors can occur, and I believe this issue can be resolved amicably. I am confident that, once rectified, this situation will alleviate the distress I have been experiencing. Additionally, it will ensure that my credit report accurately reflects my responsible financial behavior. Thank you for your understanding and cooperation. I look forward to a swift resolution to this matter.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Subject : Assertive Dispute of Unauthorized and Unverifiable Account on Consumer Report To Equifax, XXXX & XXXX, I am writing to dispute a blatant violationan unauthorized and unverifiable account XXXX XXXXXXXX XXXX that has glaringly appeared on my consumer reports with Equifax, XXXX, and XXXX. The presence of this item unequivocally tarnishes my creditworthiness and unequivocally constitutes a breach of my privacy. I assert, unequivocally, that this unauthorized account is a blatant form of identity fraud, even in the event of a permissible purpose, for which I categorically have not given consent. The reporting of this account is a violation under federal law, explicitly governed by the Fair Credit Reporting Act ( FCRA ). Sections 611 ( a ) and 611 ( b ) of the FCRA unambiguously outline the procedures for reinvestigation of disputed information and the prompt notification of disputed information to furnishers of information, respectively. The Fair and Accurate Credit Transactions Act ( FACTA ), Section 312, leaves no room for ambiguity, establishing the unwavering responsibilities of furnishers of information to consumer reporting agencies. I assert, without a shadow of doubt, that this item must be thoroughly investigated and promptly removed from my consumer reports, as it unequivocally violates both federal laws. I emphasize, without hesitation, that I did not provide consent for this item to be included in my consumer profile, and I categorically assert my right to have it deleted. This account outright violates North Carolina law, specifically the North Carolina Identity Theft Protection Act under Chapter 75, Article 2A, encompassing provisions from N.C. Gen. Stat. 75-60 to 75-68. I demand that Equifax, XXXX, and XXXX, along with XXXX XXXX XXXX XXXX take immediate and unwavering action to delete this item within 30 days from the receipt of this dispute. Any failure to comply within this stipulated timeframe will be considered willful noncompliancean offense for which XXXX, Equifax, XXXX, and XXXX XXXX XXXX can and will be held civilly liable. I expect nothing less than a swift and assertive written confirmation of the resolution once the unauthorized and unverifiable item has been removed. Thank you for your immediate attention to this matter. Done in good faith.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A