Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX XXXX XXXX they are reporting information that goes against my rights! 15 U.S. Code 1666b - Timing of payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S. Code 1681a - Definitions ; rules of construction. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Examine the attached documents. I want the bureau to initiate an investigation into these accounts, as I am never late, but they are incorrectly reported as such.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Attn : Equifax security freeze team Please remove all fraud alerts and credit freezes from my Equifax credit report immediately. I am unable to obtain credit or view my Equifax credit report which is affecting my credit worthiness and the ability to establish new credit. Myself or creditors are unable to view my report. Please remove it immediately Thanks. Attached to this complaint is a copy of utility bill, drivers license and ssn card..
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report is showing a late payment for XX/XX/2023. I was never late. I have already notified XXXX XXXX to remove the late payment information from my account.
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2024-01-12
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: Reporting company used your report improperly
Consumer Complaint: I discovered identity theft on my credit report ; XXXX, Equifax, and XXXX shared my info without consent, violating 15 U.S.C. 1681. The Fair Credit Reporting Act ( FCRA ) protects consumer rights, breached in my case. I kindly ask that you urgently remove inaccuracies per Section 612 in 15 U.S. Code 1681 and send a no-cost updated report to my address. I have included my identity theft report ( which details each listing in dispute ), my social security card, IDs ( drivers license and passport ), and statement- as requested to prove my identity to validate my claims and requests. Thank you.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2024-01-12
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: Reporting company used your report improperly
Consumer Complaint: Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2024-01-12
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: Reporting company used your report improperly
Consumer Complaint: Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- XXXX, EQUIFAX, and XXXX. In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information. Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage. 15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions. 12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies. 15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules. Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. Thank you for your attention and assistance in resolving these issues.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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. has violated my rights. Or a 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: 303XX
Submitted Via: Web
Date Sent: 2024-01-12
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: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX Account # XXXX Shall delete this account from My consumer report immediately this is holding me up from buying a house for me and my family.
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit report and identifying information has been accessed and used without my prior consent. It is considered identity theft and criminal activity under federal law.
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A