Date Received: 2024-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.
Company Response:
State: IL
Zip: 60617
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 a victim of the Equifax data breach and have Included proof. Please delete unauthorized accounts I have Identified on my credit reports Immediately.
Company Response:
State: TX
Zip: 77089
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 am writing to bring to your attention serious concerns regarding inaccuracies in my credit report, as reported by Equifax, XXXX, and XXXX. It has come to my attention that these credit reporting agencies are in violation of 15 USC 1681 and 15 USC 1666b by incorrectly reporting late payments from XXXX XXXX XXXX, XXXX XXXX, and XXXX on my credit profile. Additionally, there is an entry from XXXX XXXX that does not belong to me, and I am requesting its immediate removal from my credit report. I believe this inaccurate information is not only damaging to my creditworthiness but also a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Furthermore, I request the removal of any inquiries that are not attached to open accounts. My personal information was compromised in the Equifax data breach, and as a result, I am concerned about the potential misuse of my credit information. Removing unauthorized inquiries will help protect my credit profile from any further harm. I have previously written to XXXX regarding certain discrepancies in my credit report, and to date, I have not received any response. As per the FCRA, it is my understanding that prompt attention and resolution are required in such matters. I request that XXXX address and rectify the issues raised in my communication promptly and ensure the necessary corrections are made to my credit report. I kindly request the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate action to ensure compliance with the relevant statutes. The inaccurate reporting by these credit bureaus, the inclusion of unauthorized inquiries, and the lack of response from XXXX have adversely affected my financial standing, and I am seeking resolution to rectify these issues promptly. Enclosed with this letter, please find copies of the relevant sections of my credit reports highlighting the inaccuracies and unauthorized inquiries in question. I believe that a comprehensive review of the provided documentation will support my claims and prompt the necessary corrective actions. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will work diligently to rectify these credit reporting errors. Please inform me of any steps taken and the resolution reached. Thank you for your prompt assistance in this important matter.
Company Response:
State: IL
Zip: 60612
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response:
State: FL
Zip: 33062
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: Account status incorrect
Consumer Complaint: On XXXXXX/XX/XXXX a collection account was placed on my credit report for an account previously paid in full. I disputed and submitted the proof in XX/XX/XXXX that the balance of {$1000.00} was paid on XXXX And received and email on XXXXXX/XX/XXXX saying my new balance owed is XXXX. And it's still sitting on my credit report. The account information below : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XXXX Status Collection account. {$1.00}, XXXX
Company Response:
State: OR
Zip: 97015
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 AM A VICTIM OF ID THEFT FROM THE EQUIFAX DATA BREACH engagement number ( XXXX ). THESE FRAUDULENT ACCOUNT ARE DEMAGING MY NAME AND STOPPING ME FROM GETTING MY HOME.
Company Response:
State: CT
Zip: 06902
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: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 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. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Company Response:
State: ME
Zip: 04210
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 a victim of identity theft. I followed the law and filled out an FTC Affivadit along with filing a police report with my local sheriffs office. I dent this documentation along with proof of my identity to Equifax. The law states that if I sent all the legally required documents Equifax has four business days to block the accounts from my report. Equifax sent me a letter claiming to not be able to verify my identity. Per the FCRA all documents needed were sent to them. They have violated my rights under FCRA and broken the law. Now I have to hiring an attorney and go to court to force Equifax to follow the law by blocking these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) and compensate me for damages.
Company Response:
State: TX
Zip: 77351
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: Account status incorrect
Consumer Complaint: It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Company Response:
State: TX
Zip: 77407
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A