Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Company Response:
State: TX
Zip: 78210
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: In accordance with 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. Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Company Response:
State: GA
Zip: 30102
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX XXXX XXXX ran a hard inquiry. I do not recall giving them permission to do so. On XX/XX/XXXX XXXX XXXX, ran a hard inquiry. I do not have a relationship with them and did not give them permission to do so. I applied for credit for XXXX XXXX, so if XXXX XXXX is owned by XXXX or XXXX XXXX then perhaps it was with permission, but I think applied to XXXX XXXX on or about XXXX I have XXXX XXXX permission to run my credit XXXX time on or about XXXX
Company Response:
State: GA
Zip: 30097
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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Company Response:
State: MD
Zip: 21214
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$0.00}
Company Response:
State: GA
Zip: 30214
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I hope this letter finds you well. I am writing to express my concern and dissatisfaction regarding the late opening of account with your company, Credit Bureaus. I have been a loyal customer of your organization and have always appreciated the quality of services you provide. However, I have recently encountered an issue that I believe requires immediate attention and resolution. I initiated the process of opening two new accounts with your company, respectively. I followed all the necessary procedures and submitted the required documentation promptly to ensure a smooth and timely account activation. However, despite my efforts, both accounts have experienced significant delays in being opened, which has resulted in various inconveniences for me, such as delayed access to services I understand that administrative processes can sometimes be complex, but the prolonged delay in opening these accounts has caused undue frustration and inconvenience. It is imperative that these issues be resolved promptly to maintain the trust and confidence I have placed in your company. I kindly request that you take the following actions to address this matter : Expedite the account activation process and ensure that both accounts are opened without further delay. If there are any additional documents or information required from my end, please communicate these requirements clearly and promptly. Ensure that appropriate measures are put in place to prevent such delays from occurring in the future, as timely service is essential for maintaining a strong customer-business relationship. I kindly request a response to this letter within the specified timeframe from the date of receipt. Failure to do so may compel me to explore alternative courses of action to resolve this issue. I value the business relationship I have with Credit Bureaus and hope that we can work together to rectify this situation promptly. I am confident that your prompt attention to this matter will help ensure our continued positive relationship. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.
Company Response:
State: FL
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: RECENTLY, I FOUND A LOT OF ERRORS AND INACCURACIES ON MY CREDIT REPORTS. THEREFORE, I DISPUTED THEM. I KNOW THAT EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE AND COMPLETE! THE ACCOUNTS INVOLVED IN MY PREVIOUS DISPUTE WERE NOT ACCURATE AND MUST BE REMOVED NOW! EQUIFAX AND XXXX VERIFIED THE INACCURATE ACCOUNTS BUT THEY WERE NOT ACCURATE AT ALL! THIS IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKING SYSTEM. As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under THE FAIR CREDIT REPORTING ACT - Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in THE FCRA- a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Company Response:
State: CA
Zip: 90804
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 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 non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX PLEASE DETE THIS INQUIRIES
Company Response:
State: NY
Zip: 10458
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: I recently reviewed my consumer report and to my surprise, i found Equifax, XXXX and XXXX reporting inaccurate information on my consumer report.I have included in this complain documents to prove my point.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A