Date Received: 2024-01-15
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 bring to your attention a matter of great concern regarding my account with the items in questioned. I believe my situation deserves immediate attention and resolution. I have encountered persistent issues regarding the removal of a late close on my account, which is included in a bankruptcy. Despite numerous attempts to rectify this matter through various channels, the issue remains unresolved, causing me significant distress and inconvenience. I filed for bankruptcy, and my account with XXXX XXXX was included in the bankruptcy proceedings. As a result, I expected that the late close on my account would be appropriately addressed in accordance with the legal processes outlined during bankruptcy. However, despite my best efforts, such as contacting customer service, submitting documentation, etc. ], the late close remains on my account, adversely affecting my financial standing and creditworthiness. I understand that mistakes can occur, but the persistence of this issue has prompted me to bring it to your attention formally. I kindly request that you investigate and resolve this matter promptly. I believe in fair and just practices, and I trust that Credit Bureaus will take the necessary steps to rectify this situation in a timely and efficient manner. If there are any specific documents or information required from my end to facilitate the resolution process, please let me know at your earliest convenience. I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXXXXXX Balance : {$1100.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. XXXX XXXX XXXX Balance : {$85.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX Balance : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - I did not file a XXXX XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.
Company Response:
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX CREDIT CARD IS REPORTING A FRAUDULENT ACCOUNT AND I WAS A MEMBER UNDER THE DATA BREACH FOR XXXX XXXX, XXXX XXXX AND MORE IDENTITY THEFT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to bring to your attention a matter of great concern related to what appears to be an ongoing and persistent issue of multiple attempts to remove fraudulent items from my credit report. Despite my previous efforts to rectify this situation, it is disconcerting to observe that unauthorized parties are making repeated and unauthorized attempts to alter my credit information. I wish to outline the following specific concerns : I have noticed and documented several instances where fraudulent items on my credit report have been subject to removal attempts without my authorization or validation. These unauthorized actions not only compromise the accuracy of my credit history but also raise serious questions about the security of my credit information. Despite the evident impact of these removal attempts, I have not been contacted by your agency for proper verification or authentication. The absence of thorough verification procedures is alarming and contributes to the ongoing vulnerability of my credit information. Given the persistent nature of these removal attempts, I am deeply concerned about the heightened risk of identity theft. I have taken immediate steps to secure my personal information, but I urgently request a comprehensive investigation to prevent further unauthorized alterations to my credit report. I formally request that your agency conducts an immediate and thorough investigation into these incidents. Additionally, I seek regular updates on the progress of the investigation, along with detailed information on any actions taken to prevent and rectify the unauthorized removal attempts on my credit report. To assist in your investigation, I have attached relevant documents. I understand the importance of maintaining the integrity and security of credit information, and I trust that your agency will treat this matter with the urgency it deserves. I am asking for your assistance to remove these fraudulent items in my credit file : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX XXXX Balance {$370.00}.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recieved letters ffrom the XXXX bureaus saying I'm using or hiring credit repair company to send out letters and file complaints, which is wrong bcause I'm doing or sending letter to the bureaus.
Company Response:
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response:
State: TX
Zip: 75212
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX, XXXX, and Equifax continue to report late payments on the account XXXX XXXX XXXX which is inaccurate. Who gave XXXX, XXXX, and Equifax permission to report this account as late? The credit bureaus play a vital role in commerce and as a consumer I have the right to credit in which I am being denied due to the inaccurate reporting of these late payments. Neither credit bureau has sent me notice to opt out of these alleged late payments furthermore I have no knowledge of ever giving my expressed or written consent to report this financial account. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. ( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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 am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. I anticipate your prompt attention to this matter and a swift resolution. Please confirm the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX OpeneXXXX XXXX XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$24000.00} ; DEPT OF ED/XXXX XXXX Opened XXXX XXXX XXXX Balance : {$1400.00}.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A