Date Received: 2024-01-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Under the Fair Credit Reporting Act ( FCRA ), the reported information falls under the category of billing errors that must be promptly corrected. These include discrepancies between the purchase price and the billed amount, charges for undelivered products or services, mathematical errors, and entries requiring further clarification. I insist that you conduct a thorough investigation with the creditors involved, and you will undoubtedly discover the veracity of my claim. Once the error is confirmed, I demand the immediate removal of this egregious misinformation from my credit report. Furthermore, I require that this letter becomes a permanent fixture in my credit record. Any questions regarding my request or the disputed credit information should be directed to me without delay. I demand your immediate attention to the following gross inaccuracies : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Balance : {$5700.00}.
Company Response:
State: NY
Zip: 11204
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response:
State: KY
Zip: 40219
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: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: XX/XX/XXXX to XXXX I have argued this situation from the beginning of time I found out about Myself XXXX XXXX XXXX XXXX when l was in middle school I was rewarded a chance to receive a XXXX year scholarship from XXXX XXXX if I completed high school which I did and received My scholarship and chose to go to XXXX XXXXl to work and XXXX XXXX XXXX XXXX XXXX I never filled for a student aid assistance or a loan if it happen I was unaware and wouldn't have authorized any type of signing on My behalf or My parents I was not informed or My Parents informed of a student loan public or private it doesn't meet compliance standards per CFPB USC.15.6802 My personal and private information has been Breached due to the sharing of My consumer reports it is a negative and derogatory item that prevents Me from gain personal and financial gain to credit or financial stability and I ask it be investigated and removed immediately from My consumer reports on this date of XXXX I opt out of any of My personal or private information be shared with any creditors and also financial institutions and services that don't provide Me with a XXXX number and offering lines of credit or credit and authorized by Myself XXXX XXXX XXXX be considered unauthorized and fraudulent and should be verified by Myself XX/XX/XXXX My personal and private information is all over the dark web due to third party entitys sharing My information unauthorized and I demand it stop and alerts be put ony name consumer reports social security numbers personal and private accounts please any assistance towards My situation would be and truly gratefully appreciated Thank You
Company Response:
State: IN
Zip: 46208
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: Old information reappears or never goes away
Consumer Complaint: Approaching the XXXX mark from my anticipated monthly credit report update, I am becoming increasingly apprehensive about the prospect of XXXX, Equifax, and XXXX taking lawful measures to rectify the errors present in my credit reports. Despite my persistent efforts to address this matter from its inception until the present moment, there have been no discernible changes in the items I specifically requested for removal. It is imperative to reiterate that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items identified by the consumer as resulting from alleged identity theft, no later than XXXX business days after the date of receipt. I have conclusively identified these items as being linked to the aforementioned crime, and I earnestly implore you to proceed with the removal of these fraudulent entries : 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 *********EQUIFAX : 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: AR
Zip: 722XX
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: 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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: KY
Zip: 40219
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax Data Breach.
Company Response:
State: WI
Zip: 53213
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Company Response:
State: IL
Zip: 60621
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX I disputed several account in my equifax consumer report and they came back verified BUT are still reporting with unverified information on the file. I demand a description of the procedure and the notices sent out to the furnishers of information who provided any information I disputed including name tans telephone numbers. Consumer reporting agencies have a vital role in assembling credit and have a duty to report information with maximum accuracy
Company Response:
State: NY
Zip: 10462
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: I eagerly anticipate receiving positive deletion updates within the next 15 days. My sincere expectation is that the majority, if not all, of the fraudulent items listed in my complaint dated XX/XX/XXXX will be expeditiously removed. To ensure the realization of these deletions, I am submitting this complaint as a follow-up to my recent ones. Additionally, I am re-attaching my FTC report with reference numbers # XXXX and # XXXX. I earnestly request the prompt removal of the listed fraudulent items from my credit reports : -- -- -- -- -- -- 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX APT XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX LOANDEPOT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ADVANTAGE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: 93536
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: This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. [ XXXX XXXX Account XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accurate. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Pay As Agreed, Never Late ) according to consumer protection laws. I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. Thank you for your time and help in this matter.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A