Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reached out sending letters to XXXX XXXX and XXXX but they cant provide me with ownership that this is my account or my wet signature. This needs to be resolved and taken off immediately
Company Response:
State: FL
Zip: 33025
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 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: FL
Zip: 32771
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: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: IN
Zip: 46060
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: I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXXXXXX Collections : XXXX {$1100.00} XXXX XXXX XXXX Please delete these accounts from my reports.
Company Response:
State: GA
Zip: 30318
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 am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. Given the inconvenience and frustration caused by the delayed account opening, I request fair 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 prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : US DEPT OF EDUCATION XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00}.
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: XXXX, XXXX, and Equifax continue to inaccurately report the account listed as XXXX XXXX XXXX. There is a balance showing as due when in fact the account should be listed as paid as agreed. The loan has been paid in full furthermore any finance charge is a purchase money loan which is a cash advance in lieu of the finance charge. Therefore I funded this loan and can not be indebted. The only reason the credit bureaus are inaccurately reporting the account is due to double dipping by being paid by XXXX XXXX XXXX while selling my personal information which puts my information at risk of being exposed due to data breaches. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. ( XXXX ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z. ( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. ( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof. ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services. ( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section. ( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers. ( XXXX ) " Security, '' except as otherwise provided in Section 8-103, means an obligation of an issuer or a share, participation, or other interest in an issuer or in property or an enterprise of an issuer : ( i ) which is represented by a security certificate in bearer or registered form, or the transfer of which may be registered upon books maintained for that purpose by or on behalf of the issuer ; ( ii ) which is one of a class or series or by its terms is divisible into a class or series of shares, participations, interests, or obligations; and ( iii ) which : ( A ) is, or is of a type, dealt in or traded on securities exchanges or securities markets; or ( B ) is a medium for investment and by its terms expressly provides that it is a security governed by this Article. ( XXXX ) " Security certificate '' means a certificate representing a security. ( XXXX ) " Security entitlement '' means the rights and property interest of an entitlement holder with respect to a financial asset specified in Part 5.
Company Response:
State: CA
Zip: 94513
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: Information belongs to someone else
Consumer Complaint: I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to rectify the fraudulent items on my credit report with your agency. Despite my consistent efforts to address this issue, the fraudulent entries persist on my credit report, negatively impacting my financial well-being and personal life. The fraudulent items in question such as unauthorized accounts, incorrect information which have no association with my financial history or activities. These inaccuracies are damaging my creditworthiness, causing significant distress, and limiting my access to various financial services and opportunities. I want to outline the history of my attempts to resolve this issue : I initially noticed the fraudulent items on my credit report and promptly contacted your agency to dispute their accuracy. I provided the necessary documentation and evidence to support my claims of fraud and inaccuracy. I received a response from your agency stating that an investigation would be conducted and that the matter would be resolved within a reasonable timeframe. Despite the passage of several months, the fraudulent items were not removed, and I had not received any updates on the status of my dispute. I followed up with your agency, requesting an update on the investigation 's progress. I was informed that the matter was still under review. I provided additional information and documentation as requested by your agency. After several more months, I received a response stating that the investigation had been completed, and the fraudulent items would be removed from my credit report. To my dismay, when I checked my credit report, the fraudulent items were still present and had not been removed. This repeated failure to rectify the fraudulent items on my credit report is causing me severe distress and financial harm. I am now seeking immediate action to resolve this matter and rectify the inaccuracies on my credit report. I kindly request the following : An expedited review of my dispute, with a commitment to a specific timeline for resolution, not exceeding 30 days. A thorough and accurate investigation into the fraudulent items, including the verification of all provided evidence. The complete and permanent removal of the fraudulent items from my credit report once the investigation is complete. A written confirmation of the resolution of my dispute and the removal of the fraudulent items from my credit report. Failure to address this issue in a timely and effective manner will leave me with no choice but to pursue legal action to protect my rights and financial interests. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MI XXXX; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX. XXXX, XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX.
Company Response:
State: MI
Zip: 49525
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 frustration and disappointment regarding the multiple unsuccessful attempts I have made to rectify the late payments, closed accounts, and charge-offs on my credit report with your agency. Despite my persistent efforts to address this issue, these derogatory marks continue to adversely impact my creditworthiness and financial well-being. It is crucial to note that these entries are inaccuracies and do not reflect my current financial standing or responsible credit behavior. I first identified the inaccurate late payments, closed accounts, and charge-offs on my credit report and promptly initiated a dispute with your agency. I submitted the required documentation and evidence supporting my claim that the reported information is erroneous and should be removed. I received a response acknowledging the receipt of my dispute and was informed that an investigation would be conducted. After several weeks, I received a response stating that the investigation had been completed, but the negative entries would remain on my credit report. Dissatisfied with the outcome, I provided additional evidence and requested a reevaluation of my dispute. I followed up on my dispute, seeking updates on the progress, and was informed that the matter was still under review. I submitted another round of supporting documentation as per your agency 's request. Despite my efforts, the inaccurate late payments, closed accounts, and charge-offs persist on my credit report. This prolonged failure to address and rectify the inaccuracies on my credit report is causing significant financial harm and distress. I am now seeking immediate action to correct this matter and eliminate the inaccuracies from my credit history. I kindly request the following : An expedited and thorough review of my dispute, with a commitment to a specific timeline for resolution, not exceeding 30 days. A comprehensive and fair investigation into the late payments, closed accounts, and charge-offs, including a thorough examination of all provided evidence. The complete and permanent removal of the inaccurate late payments, closed accounts, and charge-offs from my credit report once the investigation is complete. A written confirmation of the resolution of my dispute and the removal of the inaccuracies from my credit report. Failure to address this issue promptly and effectively will leave me with no choice but to explore all available legal avenues to protect my rights and financial interests. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} - 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 Balance : {$810.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX XXXX Balance : {$0.00} I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Company Response:
State: MO
Zip: 63136
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 file a formal complaint regarding the persistent challenges I have encountered while attempting to remove multiple fraudulent item from my credit file. Despite my ongoing efforts to rectify this matter, these fraudulent items continue to negatively impact my financial stability and creditworthiness. Despite my persistent and diligent efforts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, these fraudulent item persist on my credit file, causing significant financial hardship and impeding my ability to secure credit and financial opportunities. I respectfully request the following actions to be taken promptly : A comprehensive and immediate investigation into the fraudulent items in question, including thorough validation of their accuracy with the creditors. If the item is found to be fraudulent, it's immediate removal from my credit file. A written acknowledgment from your agency confirming the correction of my credit file once the issue has been resolved. A detailed report outlining the actions taken during the investigation and the resolution status. I urge you to address this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. Please acknowledge receipt of this complaint in writing within the specified timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XX/XX/2022.
Company Response:
State: MO
Zip: 63136
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: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A