Date Received: 2024-01-16
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: A couple years ago had identity theft and fraud. XX/XX/XXXX of XXXX. I witnessed a horrific accident that took my XXXX childs life. It is messed me up mentally but for the past 8 to 10 months I have been trying to battle XXXX updates my credit and let me print it off regularly. Because I have gotten a lot of stuff off my credit but XXXX XXXX and Equifax will not update my credit report unless I pay {$24.00}. I guess its a monthly fee or something. My credit report has not updated since XX/XX/XXXX of XXXX. There is numerous addresses, Social Security numbers and accounts that are not mine that I am trying to get removed because I need a vehicle so I can go to my doctors I do not have one. I can not get to my doctors. This is causing health problems and if I do not get to the doctors, it will cause problems with my XXXX. These companies are playing with peoples lives and Im very upset because I can not refinance my house because they will not release my credit. Theyre holding it as ransom that is illegal. I want to sue them because they cant keep picking on the little people. I have called them. I have updated the information theyve asked me to and they say its not me. Its just plain XXXX. I want my credit fixed, and I want to sue them.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2024-01-16
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 have written and sent in over 30 days ago, my letter opting out Per 15 usc 6802 & 6805. I have chosen to opt out with these companies ( XXXX XXXX XXXX ) yet they are on my report for all 3 credit bureaus The XXXX account was sold and is charged off. A charge off is considered a certificate of indebtness, which is also considered income and MUST be removed The collections account was sold to a third party violating the privacy act of 1974. This need to be removed. I the consumer also never authorized my credit card utilization. The law states it is ILLEGAL to report transaction history without my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports
Company Response:
State: NY
Zip: 10034
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: 2024-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: CA
Zip: 94501
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: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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. OPEN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX - {$1000.00} open XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$1000.00} open XX/XX/XXXX XXXX XXXX open revolving {$590.00} XXXX XXXX open. {$740.00} credit card XX/XX/XXXX & line of credit {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX open Mortgage {$89000.00} XX/XX/XXXX CLOSED ACCOUNTS : XXXX XXXX XXXX closed accounts XX/XX/XXXX secured Card XX/XX/XXXX XXXX for {$320.00} XX/XX/XXXX for {$740.00} XX/XX/XXXX installment account XX/XX/XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX XXXX XXXX XXXX closed XX/XX/XXXX revolving {$810.00} XXXXXXXX XXXX XXXX XXXXXXXX closed XX/XX/XXXX revolving {$0.00}
Company Response:
State: NY
Zip: 132XX
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this.
Company Response:
State: CA
Zip: 90012
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 a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have consistently disputed the inaccuracies in the given information with Equifax, XXXX, and XXXX, but unfortunately, the matter remains unresolved to this day. Equifax 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 2. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 5. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Company Response:
State: IA
Zip: 523XX
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 a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: FL
Zip: 32962
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 a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am filing this complaint against XXXX. Despite the fact that I recently filed Identity Theft disputes in XXXX XXXXXX/XX/year> and a second letter was sent in XX/XX/year>, the following accounts are still reporting on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided proof of identity, an FTC report, and a letter from XXXX stating that they could not provide me with proof of my signature authorizing the account. I have attached copies for your review. I have been a victim of Identity Theft in the past and it is very hard to challenge these accounts when the creditors feel that they have your correct information on file. In cases of Identity Theft, of course it is the correct information used to create the accounts, however, the information was not provided or authorized by me to be used to open these accounts and none of the creditors nor XXXX responded to my disputes and provided the documentation that I requested to show otherwise nor did they provide a description of the procedure used to determine the accuracy and completeness of the information as I requested within the 15 days as outlined in the FCRA. I also requested to not have my dispute processed through systems such as eOscar to ensure that it is properly investigated. Furthermore, XXXX is required by the FCRA to block the reporting of these accounts not later than 4 business days after the date of receipt. When the results of the XXXXXXXX XXXX investigation resulted in the accounts still reporting, I submitted a reinvestigation in XXXX XXXX. In both letters I affirmed that I had not received any money or goods from these accounts, however, XXXX declined to block the information within the 4 days during the XXXXXXXX XXXX dispute so I contacted them via phone to inquire about this and was told that they would not be blocking the information but I was not given a reason except that it was due to their internal policy. I informed them of their obligation to inform me in writing, which I had not received and nothing was done on that call nor did I ever receive a notice of the information being declined or rescinded as I should have according to 605B - 15 U.S.C. 1681c-2. I also requested documentation, verification, or proof of their claim of money or goods received by me and have not received anything to date from XXXX or any of the creditors. I also requested to have all previous addresses, telephone numbers, and places of employment removed so that no one could use this information in further Identity Theft attempts, however, they are still reporting the old personal information that I asked to have removed. In addition, my social security number they are reporting is not accurate either. The report shows the last four digits as XXXX, which is not accurate and I informed them of that as well and it still has not been corrected. Similarly with XXXX and Equifax, the accounts with XXXX XXXX and XXXX are still reporting as well and I also called them just as I did with XXXX with the same exact information begin given to me over the phone as to why the information was not blocked after the XXXXXXXX XXXX letter and I did not receive any written notice as outlined in the FCRA from either of them as well. They both did, however, address and correct all other accounts and information disputed.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX XXXX : {$240.00}.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A