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: My information was sold and brought illegally because 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 these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I was a victim of the Equifax data breach. I want these items Deleted from my credit reports.
Company Response:
State: TX
Zip: 76227
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: My information was sold and brought illegally because 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 these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX I was a victim of the Equifax data breach. I want these items Deleted from my credit reports.
Company Response:
State: TX
Zip: 76227
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 violated my rights of fair credit reporting
Company Response:
State: MI
Zip: 481XX
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: I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials about this inquiry, please provide them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 33177
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have disputed information several times and each time my credit report gets updated with meets FCRA requirements, consumer disagrees Its not a disagreement if it is illegal. 15 U.S.C 1681-Congressional findings and statement of purpose a. ) Accuracy and farness of credit reporting -Congress makes the following findings : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Privacy act of 1974 ( 5 U.S.C 522a ) safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices '' under 5 U.S.C 522a, anyone who knowingly and willingly requests or obtains any record concerning an individual from an agency under false pretense shall be guilty. failure to comply with any provision of this Section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual ; the individual may bring a civil action against the agency and the district courts of the united states shall have jurisdiction in the matters under this provisions of this subsection. 15 U.SC. 6802-obligations with respect to disclosures of personal information a financial institution may not, directly, or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information-unless a financial institution clearly and conspicuously discloses to the consumer in writing or via electronic form or other form permitted by the regulations prescribed under this subsection 6804 of this title. according to the IRS a charge off is considered a certificate of indebtedness, which means it is income it must be removed. The law also states it is illegal to report transaction history. All hard, soft and promotional inquiries must be removed. failure to delete the disputed will result in a report to FTC for identity theft and legal action
Company Response:
State: CA
Zip: 93610
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: hello on XX/XX/23 i sent Equifax information regarding some late payment inforamtion they reported to my credit. It has been over 30 days and i have yet to get any information regarding this matter. I know by law they have to process my request but seems as if they are refusing to do so.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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: 798XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Can you update my address and name on my credit profile.
Company Response:
State: GA
Zip: 30253
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: 2024-01-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: YOU HAVE A GRAVLY DUTY TO UPHOLD. REGARDLESS IF THE FURNISHER RESPONSE. PLEASE DO A PROPER REINVESTIGATION IMMEDIATELY. I ask that you please review the information submitted I HAVE PROVED MY CASE ALONG WITH EXHIBITS. XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, ZIP XXXX ACCOUNT # XXXX Account opened XX/XX/ Account status closed XXXX EQUIFAX AND XXXX ARE ALLOWING XXXX XXXX XXXX TO ILLEGALLY reporting this account they sold this account to resurgent. Which means they no longer own account. However resurgent was wrong so they deleted account however XXXX XXXX is still reporting also this account was marked as identity theft. Youre require to fill FCRA regardless of the furnishers negligence PURSUANT TO THE EMAIL THE ALLEGED ACCOUNT WAS PURCHASED ON XXXX. BY XXXX. ( EXHIBIT 1 ). WHICH INFACT MEANS XXXX XXXX XXXX SHOULD HAVE NO ALLEGATIONS OR RECORDS OF ME ALLGEDLY HAVING ANY ACCOUNT OR ALLGED DEBT WITH THEM AS OF XXXX. PURSUANT TO THE LAW AND METRO 2 ONCE A ACCOUNT IS PURCHASED THE COMPANY IN WHICH SOLD THE ACCOUNT IS NOT OWED ANYTHING THAT COMPANY NO LONGER OWNS THE ACCOUNT WHICH MEANS THEY REQUIRED TO DELETE AND REMOVE ANY AND ALL INFORMATION ABOUT THE ACCOUNT FROM THE RECORDS OF THEMSELVES AND ANY ALL 3rd PERSONS THAT THEY HAVE SHARED ANY INFORMATION CONCERNING THE ACCOUNT. IT IS UNLAWFUL FOR AN ALLEGED ORIGINAL CREDITOR TO SELL ACCOUNT BUT STILL REPORT ACCOUNT ALLEGED ACTIVITIES TO ANY 3RD PARTY WHEN THAT COMPANY NO LONGER EVEN OWNS THE ACCOUNT NOR SHOULD THEY HAVE ANY INFORMATION OR REFERENCES OF THE ACCOUNT. THIS IS NOT A OPTION. MOST IMPORTANT NOTE XXXX XXXX XXXX HAVE SOLD AN ACCOUNT AND DIDNT TELL THE BUYER THAT THIS ACCOUNT WAS REPORTED AS IDENTITY THEFT ON XX/XX/. ( EXHIBIT 2 ) AND CFPB REPORT NUMBER XXXX ( EXHIBIT 3 ) I ALSO DEMAND THAT YOU CEASE COLLECTION REMOVE AND DELETE ANY ANY ALL INFORMATION ABOUT THIS ACCOUNT IMMEDIATELY I ALSO DEMAND YOU REMOVE THIS ACCOUNT FROM ANY 3RD PARTIES IN WHICH YOU HAVE SHARED AND LAST BUT NOT LEAST {$4000.00} FROM EACH XXXX XXXX XXXX XXXX, EQUIFAX AND XXXX COMPENSATION FOR WILLFULLY NONCOMPLIANCE AND NEGLIGENCE. THEY EACH FAILED TO UP HOLD INTEGRITY THEY HAVE ALL CAUSED DAMAGE TO MY LIFE I BECAUSE OF THE WRONGFUL NEGLIGENCE REPORTING AND HANDLING OF CONSUMER CREDIT INFORMATION. OBVIOUSLY WILLFULLY FAILED TO OBEY ANY LAWS OR THE STANDARDS OF METRO 2XXXX XXXX XXXX SOLD THE ACCOUNT ALLEGEDLY TO XXXX AKA XXXX HOW PURSUANT TO MY CONSUMER REPORT THIS ACCOUNT IS STILL SHOWING AS XXXX XXXX XXXX. I SPECIFICALLY NOTIFIED EACH OF THE PARTIES I DEMAND PAYMENTS FROM THEY THEN ALLEGEDLY STILL VERIFIED THE ACCOUNT. HOW AS YOU CAN SEE IN PRIOR INFORMATION THAT IS LEGALLY IMPOSSIBLE ALSO NOTICED THAT XXXX SPECIFICALLY DELETED ( EXHIBIT 4 ). THE ACCOUNT AND STATES ACCOUNT WOULD NOT BE SOLD ETC. SO XXXX XXXX CANT EVEN PURCHASE THE ACCOUNT BACK IF IT COULD. ALSO THIS ACCOUNT WAS REPORTED AS IDENTITY THEFT AND XXXX XXXX STILL SOLD AND CONTINUE FURNISHING INFORMATION TO XXXX ALSO EACH CRA WAS NOTIFIED BY ME ALSO HOWEVER YOU ALL DISREGARDED ANYTHING THEY HAVE ALLOWED THE NEGLIGENCE FROM XXXX XXXX OVER AND OVER THEY HAVE HAD LITTLE REGARD TO THE LAW, METRO 2, AND ME AS A CONSUMER. THEY HAVE ALL HINDERED MY RIGHTS TO FAIR AND ACCURATE CREDIT REPORTING AND LIVING IN ABUNDANCE THAT WAS PROMISED AND GIVEN TO MY BY THE MOST HIGH. I DEMAND TO SEE THE DUNNING LETTER OF WHEN THIS ACCOUNT WAS SOLD TO RESURGENT I DEMAND TO SEE HOW MUCH THE ACCOUNT WAS ALLEGEDLY SOLD FOR I DEMAND TO SEE ANY INTEREST THAT WAS ADDED AND HOW WAS IT CALCULATED I WOULD LIKE TO HOW WAS THIS ACCOUNT SOLD DELETED AND STILL XXXX XXXX XXXX ALLEGES THAT ACCOUNT IS VERIFIED AS CORRECT??? I DEMAND THIS ACCOUNT TO BE DELETED I DEMAND MONETARY COMPENSATION IN THE AMOUNT OF {$4000.00} USD EACH FROM EACH ENTITY XXXX = {$4000.00} EQUIFAX {$4000.00} XXXX {$4000.00} XXXX XXXX XXXX {$4000.00} TOTAL {$12000.00} ( UCC 1-308 ) ( Vi ) XXXX XXXX REPRESENTATIVE AND HIER OF THE BRAND names XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note these are not only owned brand names.
Company Response:
State: GA
Zip: 31768
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
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: 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. 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: 33578
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A