Date Received: 2024-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00} and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}. Failure to comply within 30 days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Company Response:
State: FL
Zip: 33183
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: Old information reappears or never goes away
Consumer Complaint: I am submitting to address my ongoing concern, referencing my complaint dated XX/XX/XXXX. As previously communicated, it has come to my attention that XXXX and Equifax have not taken the necessary steps to expunge the items I requested to be removed. I expect the remaining fraudulent entries, outlined in both this and the preceding complaint, to be expeditiously deleted within 15 days from today. To facilitate this process, I will be providing my FTC report with reference # XXXX for your review. It is my anticipation that you will act to remove these items from my reports before the stipulated timeframe concludes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ***********EQUIFAX : XXXX XX/XX/XXXX
Company Response:
State: GA
Zip: 30349
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: Personal information incorrect
Consumer Complaint: I am reaching out urgently to highlight a critical issue involving incorrect personal information being reported on my credit report. This situation has caused me considerable distress and raised significant concerns.
Company Response:
State: IL
Zip: 60827
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: 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: NY
Zip: 105XX
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: I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Company Response:
State: PA
Zip: 19023
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: Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: VA
Zip: 23320
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: I have called and emailed XXXX requesting correct and fair credit reporting for my student loan. They have not done so for all 3 credit bureaus. This is preventing me from getting a mortgage.
Company Response:
State: PA
Zip: 195XX
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: Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Company Response:
State: VA
Zip: 23320
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: 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: 79928
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: 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: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A