Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00XXXX XXXX XXXX. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly. Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Company Response:
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with fraud alerts or security freezes
Subissue:
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: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Equifax XXXX. XXXX XXXX XXXX. XXXX. XXXX, GA XXXX Dear sir, I have received a postcard which noticed me that fraud alert was removed. Since I believe myself, I need to have the fraud alert and officially sent the document to ask the extended XXXX fraud alert, I logged on the website and checked that initial fraud alert is on. Even though there is a question why I need to send my identification several times for the extension, I will enclose again the necessary documents ; even though I slightly feel the concern whether it is safe to send the documents of identification several times to keep the identity. I express strong concern on this matter since I have several postal issues, which waiting the answer. I also received a package of documents prepared on XX/XX/XXXX of XXXX. Along with other credit report companies, I received the same documents with different dates often. I have a question why the mailing delivery took so long time, since I received one month later even though it is internal delivery. If it happens with international delivery, I can understand since I have noticed it takes longer due to several international matters. Since still extended XXXX XXXX alert is not on, I will not start to check the credit report of your company, which can be checked by internet ; even though sometimes I feel strong suspicion whether these online information or data is reliable. Sincerely,
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax data breach. I want this item 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. I have attached an FTC identity theft report as well as multiple letters that were sent explaining the laws that they had violated by not blocking, removing, & reinserting these accounts. Please help me delete this illegal account from my credit report
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work XXXX jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my mental health. I insist you remove any and all inaccuracies because it is a violation of my rights.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they were made without my permission, consent, inquires. XXXXXXXX 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 XX/XX/XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately thank you.
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX AZ ) XXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXreditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XX/XX/2023
Company Response:
State: AZ
Zip: 85035
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A