Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These accounts are being reported illegally against me and on my credit report XXXX XXXX reporting open date XX/XX/XXXX. XXXXXXXX XXXX reporting an open date of XX/XX/XXXX. XXXX XXXX reporting an open date of XX/XX/XXXX. XXXX XXXX reporting a charge off with an open date of XX/XX/XXXX and a balance of {$6000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX reporting a balance of {$1600.00} with a date assigned XX/XX/XXXX. XXXX XXXX reporting a balance of {$490.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX reporting a balance of {$720.00} with a date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX reporting a balance of {$4100.00} with a date assigned XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting a balance of {$450.00} with a date assigned XX/XX/XXXXXXXX XXXX XXXX XXXX reporting a balance of {$600.00} with a date assigned as XX/XX/XXXX XXXX XXXX reporting a balance of {$140.00} with a date assigned as XX/XX/XXXX According to 15 U.S. Code 1681a : consumer report does not include : " report containing information solely as to transactions or experiences between the consumer and the person making the report " Also According to 15 U.S. Code 1681b : it states " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never provided any written permission to any of the accounts listed above and this illegal reporting. Public Law 90-321 ( 82 Stat. 146 ) also states that any agency can only get your report in response to a State or local government official authorized by the head of such an agency or a local child support enforcement agency. None of the original creditors listed above are applicable to those which are allowed.
Company Response:
State: FL
Zip: 34120
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: Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Company Response:
State: CA
Zip: 90037
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: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 31088
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: 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. 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: TX
Zip: XXXXX
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: Account status incorrect
Consumer Complaint: XXXX XXXX provided payoff statement on XX/XX/XXXX and it was good and effective until XX/XX/XXXX. I closed on my house on XX/XX/XXXX and on XX/XX/XXXX title company wired the total payoff amount to XXXX XXXX. XXXX XXXX returned the wire and stated an amount was missing. I was notified by my attorney on XX/XX/XXXX and was told to get a check with the missing amount. I called XXXX and asked what was missing due to the amount wired being the payoff they provided on XX/XX/XXXX. XXXX stated they didnt include the taxes and made an addendum to the payoff on XX/XX/XXXX. I was informed of this by my attorney on XX/XX/XXXX. I did not receive a phone call or message from XXXX about this addendum. XXXX states they sent an email on XX/XX/XXXX. I did not receive an email on this manner. I provided the attorney the missing amount on XX/XX/XXXX which was the day I was notified. Me credit score went down XXXX points due to XXXX changing my status to delinquent over 30 days.
Company Response:
State: NY
Zip: 10552
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: My information was sold and bought illegally b/c I was a victim of the Equifax data breach. I want these items deleted from my credit report 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 there illegal accounts from my credit report.
Company Response:
State: CA
Zip: 945XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and discovered unauthorized accounts that I believe to be the result of identity theft. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused as to why this one seems to ignore my requests. XXXX XXXX XXXX I understand the importance of maintaining accurate credit reports, and the presence of fraudulent accounts negatively impacts my financial standing. I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request that you comply with the law in conducting the investigation. I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report.
Company Response:
State: CA
Zip: 90713
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: Problem with personal statement of dispute
Consumer Complaint: I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Company Response:
State: NC
Zip: 27265
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The accounts been negatively reported are in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. '' The Affidavit of XXXX XXXX XXXX will explain the fradulent concealment of facts regarding money creation and allege loans or credit, hence a debt never existed. There is no basis for reporting allege debts associated with a fictional legal entity, not me the living flesh by the registered XXXX.
Company Response:
State: MO
Zip: 655XX
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 status incorrect
Consumer Complaint: This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A