Date Received: 2024-01-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Company Response:
State: IL
Zip: 60169
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 appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}
Company Response:
State: CA
Zip: 90606
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: I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX
Company Response:
State: SC
Zip: 291XX
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: There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX {$480.00} ; XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
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: This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$93.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$540.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} PXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
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: I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33155
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 am requesting that it will be removed from my credit report as soon as possible.
Company Response:
State: MO
Zip: 631XX
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: Account status incorrect
Consumer Complaint: I contacted XXXX XXXX XXXX XXXX XXXX XXXX ) due to a report on my incorrect information on my credit report. XXXX confirmed the information was fixed and I was told a letter of deletion would be sent to the credit bureaus and the information would be corrected within 45 days. After 45 days, the information was still on my report. I disputed it, and it came back as identified as correct.
Company Response:
State: NY
Zip: 104XX
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: 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 Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Company Response:
State: AZ
Zip: 85302
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: I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A