Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you
Company Response:
State: VA
Zip: 22554
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: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following unauthorized inquiries on my credit report that I would like removed. XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX According to the FCRA these unverified and unauthorized items must be removed.
Company Response:
State: TN
Zip: 37312
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Company Response:
State: MS
Zip: 38637
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 information incorrect
Consumer Complaint: The 3 credit Agency reporting inaccurate on my credit report for my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX account. XXXX, Equifax, XXXX reporting a Balance of {$940.00} my credit Limited in {$1000.00} This was paid sometime about of XX/XX/2023 Is {$200XXXX00} not {$940.00} like been reported. I call my bank and ask did the update My Balance to the 3 Credit Bureaus My bank say they Update my Account Immediately to all 3 Credit Bureaus. I have Document of my Ture Balance. The 3 Credit Is still reporting this Inaccurate which is Damage me my Credit. I beleive this is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. My Bank has Asured it was reported to the 3 Credit Bureaus
Company Response:
State: CT
Zip: 06511
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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Company Response:
State: TX
Zip: 79763
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report. In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG. Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights. It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Company Response:
State: CA
Zip: 91977
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've identified several deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the information in my report. Consequently, I refute the allegations against me and challenge you to substantiate the reporting of this incomplete negative information on my credit report. As per 15 U.S.C 1681e, consumer reporting agencies must adhere to reasonable procedures to ensure the utmost accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) stipulates that furnishers must provide information about consumer accounts with integrity and accuracy, conducting reasonable investigations of consumer disputes following Metro 2 compliance standards outlined in the XXXX. Departing from these standards jeopardizes the integrity of the data, as highlighted in the XXXX. Reporting errors can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my request would signify a disregard for my consumer rights. Reporting unconfirmed and potentially unethical information that does not meet certified standards is unjust. I dispute these claims and request evidence of proper reporting standards. Your actions are a violation of my rights, as detailed in this document. The incomplete and non-compliant nature of the report fails to meet legal standards. I demand certification of all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to comply may prompt me to escalate these issues to the CFPB, FTC, and my Attorney General.
Company Response:
State: CA
Zip: 925XX
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: My original car lender was XXXX XXXX XXXX on a new car XXXX. This car was traded for another new vehicle with XXXX XXXX XXXX XX/XX/XXXX. I made several calls to XXXX informing my orig car loan is in the process of being paid off by XXXX XXXX in TX, ph ( XXXX ) XXXX, in the amt from the docs {$17000.00} and as of XX/XX/XXXX, I was no longer in possession of this vehicle due to the trade towards a diff car. Advised, dealer states its on the way be patient due to the Holidays ( XXXX and XXXX XXXX ) which I stressed and wanted notation on account. XXXX XXXX received and OR posted the payment which was for more {$17000.00} on XXXX XXXX XXXX*PAID IN FULL in their system BUT XXXX reported this account as late past due {$430.00} as of XX/XX/XXXX. I upload copies of my XXXX online account which I believe was not used in the dispute investigation of the bureaus. I received, investigation completed, see results rather quickly and if you would like the dates I submitted and dates I received, your disputed is completedI will supply them. I verbal spoke to XXXX and the Expedited Manager XXXX at XXXX XXXX who BOTH on XXXX verified account paid in full, check received and posted XX/XX/XXXX. I also asked if they would reconsider removing the negative item of past due since the account was paid in full but due to holidays it was paid and posted on XX/XX/XXXX. As well as I had been in contact with XXXX on status of receipt of check to payoff prior to posting. XXXX stated it was out of his hands, nothing he could do. Who is the NEW lender and was I trying to purchase a home? I answered the new lender is XXXX XXXX and yes I am in the process of homeownership. After answering both, XXXX still could not do anything so I really dont know but WHY ASKED in the 1st place! Regardless, I disputed all 3 credit bureaus with proof of payment posted to my XXXX XXXX account received and posted with statement reflect Acct XXXX XXXXXXXX ( PAID OFF ) Maturity date XX/XX/XXXX and a copy of my online account reflect date of payment posted XX/XX/XXXX {$17000.00}, Paid in Full. All 3 bureaus return investigation of dispute complete. All three XXXX, XXXX and Equifax returned the dispute stating basically the same thing ; Investigation results-Verified AS reporting ACCURATE and UPDATED. My question would be how can you make a negative statement which is incorrectly reporting and contributing to a decreased score across all 3 bureaus as high of a drop of OVER XXXX points and it shows I have 2 car loans which is incorrect as well and increase my debit ratio when the check has already posted BUT not reporting correctly to bureaus. I even received a letter from XXXX dated XX/XX/XXXX re : car, model, year and VIN, notifying me that XXXX XXXX XXXX has provided the appropriate party with a release of interest document as required by state. If thats case how can they still be reporting a balance due with past due to all 3 bureaus and reflecting incorrect debt ratio as if I have 2 car loans? Im a XXXX recipient with one check monthly. I dont even make that much to pay 2 car loans on my own. Is this a retaliation method of not being able to get the full interest on the original car loan I used to trade? This is unacceptable and needs to be rectified immediately! This cant be Fair Credit Reporting, you think?
Company Response:
State: TX
Zip: 77007
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: Equifax had a data breach back in 2017. In that breach my non public private information was stolen such as name, ssn, d.o.b., address, phone number, and DL #. In this trespassing I have been having trouble getting approved for loans, lines of credit with a fair apr % rate, and deformation of my credit worthiness which is very unfair and abusive. To add to insult of injury Equifax didn't notify me of this data breach settlement. I had to find from XXXX XXXX This should fall under UDAAP. This is not acceptable to me as a consumer!
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A