Date Received: 2024-01-16
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: CO
Zip: 80910
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: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX - closed account XX/XX/XXXX XXXX - open account original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX - XX/XX/XXXX the account was removed then added without proper notice of within 5 days of a reinsertion letter according to FDCPA and my credit account reported it 100 % paid off and on time Equifax - original balance - {$7200.00} past due {$9200.00} - date open XXXX status update XXXX XXXX balance updated XXXX Reporting illegal transaction history. XXXX & XXXX are saying they validated my consumer report with creditor when FDCPA 15 usc 1681 ( A ) 2 ( E ) - investigative consumer report must be obtained through neighbors ALL of these are also violations of The Privacy Act of 1974
Company Response:
State: NJ
Zip: 07201
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: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one. I noticed that these accounts reporting on my credit file listed below have been reporting as charged off on my credit report bring my credit down. This account was discharged and I am not responsible for the debt. The credit bureaus are repeatedly reporting on this debt and has marked it as charge off then marked it as paid charge off. I am requesting that these account below be removed from my credit file. I never applied for a loan or signed for any loan I have not attended high school or college. I received a letter over 5 years ago stating that the loans have been canceled I am on social security. and I am not working I am XXXX. I keep getting denied for housing because of these accounts and the unfair reporting of these accounts. 1. XXXX XXXX XXXX XXXX ending XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX. XXXX XXXX XXXX XXXX ending in XXXX
Company Response:
State: FL
Zip: 33137
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: 2024-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I reviewed my consumer report and noticed there were several late payments and inaccurate payment history information, the accounts are XXXX, XXXX XXXX, AND XXXX XXXX. I hav never been late on my payments for those accounts. Please investigate and provide proof that those payments were late. If proof can't be provided I demand that these payments be updated to " PAID AS AGREED/NEVER LATE '' as they should due to the fact that I was never late. Thanks!
Company Response:
State: PA
Zip: 165XX
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: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Review the attached documents. Initiate an investigation on these accounts where I have never been late, but they are erroneously reported as such.
Company Response:
State: AL
Zip: 35173
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: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 604 a 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. '' XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: CT
Zip: 06492
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: 2024-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts, name and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90601
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am submitting this complaint to address unauthorized inquiries on my credit report.
Company Response:
State: IL
Zip: 60443
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: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Examine the attached documents. I want the bureau to initiate an investigation into these accounts, as I am never late, but they are incorrectly reported as such.
Company Response:
State: WI
Zip: 535XX
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: 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: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A