Date Received: 2024-01-17
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Can you update my address and name on my credit profile.
Company Response:
State: TN
Zip: 38125
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: Looking over my credit report and found various violations that have been keeping me the consumer from getting credit. I have disputed these issues several times and have came to the point that there has to be a resolution to these violations that you the credit reporting agencies are reporting unlawfully. According to the fair credit reporting act 15 USC, 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness in impartiality, and a respect for me the consumers right to privacy. I have the right to make sure my private information is in shared which is backed by 15 USC 6801 that states it is the policy of all Congress that each financial institution has an affirmative and continuing obligation, to respect the privacy of his customers, and to protect the security and confidentiality of those customers nonpublic personal information. These are all financial institutions by under the title 15 USC 1681 section 604, section 2 states that in general subject to subsection C, any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer, to whom it relates, the financial institution and the consumer reporting agencies. Equifax does not have my consent to furnish this information, and they surely do not have my written consent. In all consent to Equifax and any furniture, whether it be verbal nonverbal, written implied or otherwise revoked. 15 USC 6802 ( b ) ( C ) states that a financial institution may not disclose non-public personal information to a non-affiliate third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 USC 1681C ( A ) ( 5 ) states acceptance authorize under subsection B no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse items of information, other than records, of conviction of crimes, which antedates the report by more than seven years. These accounts are adverse items. They are reporting again without my permission, which is against the law 15 USC code 1681S-2 ( a ) ( 1 ) a states, 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 in accurate. 15 USC code 1681E states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title, and to limit the furnishing of the consumer reports to the purpose listed under section 1681B of this title. Equifax is not maintaining reports to the purpose listed under section 1681B of this title Equifax is not maintaining reasonable procedure And it states that a consumer may exercise the right to opt out at any time. I have a attached a copy of the violations. Please remove these accounts from my report.
Company Response:
State: VA
Zip: 23666
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: Per the F.C.R.A as a federally protected consumer I am now opting out any and all authorizations I the consumer may have given you written and unwritten verbal and nonverbal per 15 USC 6802. I also am opting out any and all authorizations given to report to a third party.
Company Response:
State: OH
Zip: 44125
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: 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. Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: MI
Zip: 48183
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: 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. Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: FL
Zip: 32256
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 did not consent to authorize nor benefit from such account ( s ). These companies are commenting Securities Fraud by utilizing the securities and selling them on the secondary market without consent and ultimate commenting Securities Fraud and tax evasion.
Company Response:
State: GA
Zip: 30127
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: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is my second time writing to file a formal complaint regarding a CHARGEOFF/COLLECTION account labeled " XXXX XXXX XXXX ( Balance {$12000.00} ), XXXX XXXX ( Balance of {$7900.00} ), XXXX XXXX ( Balance of {$6000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Company Response:
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2024-01-16
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 data breach in 2017 I am writing to address a serious matter regarding the data breach. It has come to my attention that my credit report has been reflecting several instances of fraudulent activity, specifically the opening of a credit card from XXXX XXXX with a balance of {$1400.00}. I have taken the necessary steps to rectify this situation by providing proof of the Equifax data breach in 2017, as well as an Identity Theft report. Additionally, I have attached a dispute letter pertaining to the fraudulent credit card and evidence of the deletion of all related inquiries from all three credit bureaus.
Company Response:
State: GA
Zip: 30093
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see the attached documents for these accounts I am complaining.
Company Response:
State: NC
Zip: 287XX
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: PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.
Company Response:
State: IN
Zip: 46375
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A