Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have attached the police report in regards to the fraudulent inquiries on my consumer credit report and the fraudulent XXXX XXXX account. I have attached pictures as well.
Company Response:
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive received a copy of my credit report, and XXXX XXXX XXXX is claiming I have an account with them, or I owe them something. Im a victim of Identity theft and I have never entered any business arrangement, and I have never signed any contract to conduct any kind of business with XXXX XXXX XXXX. Also, because they are a 3rd party collector, they should have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you must get my authorization to access my credit report for any reason. XXXX XXXX XXXX didnt do that at first, and theres no way I would ever have given a slimy collection company permission to slander me on my credit reports. There company is reporting a collection account as an open account with 180 days late is a violation of the law as well. A Collections account can not have a OPEN STATUS as a creditor account. Heres the law in case you have never read it before. ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. Also, another company named XXXX XXXX XXXX XXXX stated it sold an alleged debt to XXXX XXXX XXXX in the amount of {$0.00} with a different account number, dollar amount, open dates, and account status. Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easily for you. But know this, should you fail to provide each and every thing I request from you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature not a fraudulent application submitted on my behalf, Especially Naming XXXX XXXX XXXX as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
Company Response:
State: FL
Zip: 33181
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Company Response:
State: IN
Zip: 46202
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: Their investigation did not fix an error on your report
Consumer Complaint: Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. The collection actually just have XXXX not XXXX or 60 days only XXXX. Kickoff lending has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in pdf, I circle all these inaccurate things on these reports. Need fixed or deleted
Company Response:
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have wrote disputes to XXXX XXXX sent threw credit bureaus the dispute took longer than 30 days and the did not provide any documentation required by FCRA LAW that I asked for This is the letter I sent certified mail on XX/XX/XXXX this is my second attempt to verify this account only to have my consumer rights violated XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of birth XX/XX/XXXX Social Security Number XXXX To XXXX XXXX Credit Report Verification Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. Account numbers XXXX XXXX XXXX 15 USC 1692g refers to a section of the Fair Debt Collection Practices Act ( FDCPA ) that requires debt collectors to send consumers a written validation notice about the debt within 5 days of initial contact. Specifically, 15 USC 1692g states that the written notice must contain : 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement. 4. Proof that you are legally allowed to collect on alleged debts in the state of California, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. This validation notice gives consumers certain rights and protections in verifying and disputing debts under the FDCPA. Debt collectors must include the 15 USC 1692g notice in their first communication with consumers. Failure to properly notify could be a violation of federal law. Please verify these accounts or delete from my credit report send me a copy of my updated report. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Only XXXX & Last Name : XXXX XXXX XXXX My Only Address : XXXX XXXX XXXX XXXX, NJ XXXX The last XXXX of my SSN # XXXX My Only XXXX XXXX recently reached out to XXXX, XXXX and Equifax MULTIPLE XXXX now XXXX the BBB, XXXX FTC, XXXX CFPB, XXXX California, XXXX protection and innovation, as well as identity theft.gov and sent over affidavits of truth that were signed and notarized in the state of California the XXXX continues to persist with fraudulent information on my consumer report, and they are previous investigation, which rendered no results via XXXX Equifax XXXX XXXX, XXXX solutions, XXXX and XXXX XXXX under the fair credit reporting XXXX XXXX XXXX XXXX A ) ( XXXX ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. after speaking with all of the national credit reporting agencies, the violations continues. According to XXXX XXXX XXXX ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.So I then asked them to provide me a description of the investigation according to XXXX XXXX XXXX ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax are in blatant violation of the following XXXX codes and legislation for the reasons specified : XXXX XXXX XXXX ( XXXX ) : Unauthorized communication with third parties about my debt. XXXX XXXX XXXX XXXX : Failure to correct and update inaccurate information in my consumer reports. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX : Inadequate procedures for disputing the accuracy of my consumer reports. XXXX XXXX XXXX XXXX : Unauthorized access or use of my consumer reports for impermissible purposes. XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. Section XXXX of the XXXX PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section XXXX : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section XXXX : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach- Bliley Act, Section XXXX : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX XXXX DATA SOLUTIONS XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By XXXX Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. I [ XXXX XXXX, issue this urgent and non-negotiable XXXX XXXX XXXX. I am the original creditor, lender, executor, and XXXX for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX ] I also serve as my agent and attorney-in-fact in all relevant matters. XXXX and XXXX XXXX penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX, XXXX, and Equifax XXXX DATA SOLUTIONS XXXX XXXX are in blatant violation of the following XXXX codes and legislation for the reasons specified : XXXX XXXX XXXX ( XXXX ) : Unauthorized communication with third parties about my debt.-ACCOUNT NAMES ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( REGIONS BANK ) ( XXXX XXXX DEALER ) ( STATE OF NJ XXXX )- ( XXXX APPLIANCES ) ( _LENDINGPOINT ) ( XXXX XXXX L XXXX XXXX ) ( UPSTART NETWORK ) ( XXXX XXXX SOLUTION XXXX XXXX XXXX. XXXX XXXX ) ( XXXX. XXXX XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX ) ( NJ XXXX XXXX ) XXXX XXXX WEDS XXXX CRDSRVC INQUIRIES NAME XXXX XXXX XXXX XXXX XXXX A P XXXX NA CAPITAL XXXX AUTO XXXX APPLIANCES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX F U REGIONS BANK ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX NC SETTLEMENT O SYNCB SYNCB/PAYPAL TRANSUNION WE BANK NA XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX HUNTERS HORN XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, GA XXXX Violations and XXXX : XXXX and Desist I allege that XXXX XXXX XXXX, and Equifax are in blatant violation of the following XXXX codes and legislation for the reasons specified : XXXX XXXX XXXX ( XXXX ) : Unauthorized XXXX with third parties about XXXX debt. XXXX XXXX XXXX XXXX : Failure to correct and update inaccurate information in my consumer reports. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX : Inadequate procedures for disputing the accuracy of my consumer reports. XXXX XXXX XXXX XXXX : Unauthorized access or use of my consumer reports for impermissible purposes. XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. Section XXXX of the XXXX PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section XXXX : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section XXXX : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section XXXX : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) ( REGIONS BANK ) ( XXXX XXXX DEALER ) ( STATE OF NJ XXXX )- ( XXXX APPLIANCES ) ( _LENDINGPOINT ) ( XXXX XXXX L XXXX XXXX ) ( UPSTART NETWORK ) ( XXXX XXXX XXXX ) ( XXXX. XXXX XXXX ) ( XXXX. XXXX XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX ) ( NJ XXXX XXXX ) XXXX XXXX WEDS XXXX CRDSRVC INQUIRIES NAME XXXX XXXX XXXX XXXX XXXX A P XXXX NA CAPITAL XXXX AUTO XXXX APPLIANCES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX F U REGIONS BANK ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX NC SETTLEMENT O SYNCB SYNCB/PAYPAL TRANSUNION WE BANK NA XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX HUNTERS HORN XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, GA NOTICE TO AGENT XXXX Thus XXXX if you are reporting this fraudulent XXXX on any of your sites and affiliated site EXPERIAN/TRANSUNION/EQUIFAX INNOVICE XXXX XXXX then XXXX XXXX must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA XXXX. theyve received the paperwork from the XXXX XXXX Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified orvalidated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt Experian/Transunion/Equifax are XXXX VIOLATION XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX code XXXX Responsibilities XXXX furnishers of information to consumer reporting agencies. XXXX XXXX code XXXX ( XXXX ) ( XXXX ), XXXX XXXX code XXXX ( XXXX ) ( XXXX ), XXXX XXXX code XXXX - procedure in case of disputed accuracy, XXXX XXXX code XXXX - Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft XXXX XXXX of XXXX. Section XXXX of XXXX XXXX XXXX. Gramm-leach-Bliley XXXX XXXX XXXX XXXX A XXXX ( XXXX ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( XXXX ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before end of the XXXX period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX XXXX EQUIFAX XXXX XXXX XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to XXXX XXXX XXXX ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " So I then asked them to provide me a description of the investigation according to XXXX XXXX XXXX ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. They are also breaking these laws as well below XXXX XXXX XXXX ( b ) : Unauthorized communication with third parties about my debt. XXXX XXXX XXXX XXXX : Failure to correct and update inaccurate information in my consumer reports. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX : Inadequate procedures for disputing the accuracy of my consumer reports. XXXX XXXX XXXX XXXX : Unauthorized access or use of my consumer reports for impermissible purposes. XXXX. XXXX Social Security Number Privacy and Identity Theft Prevention Act of XXXX : Unauthorized use or disclosure of my Social Security numbers. Section XXXX of the XXXX PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section XXXX : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section XXXX : Unauthorized sharing of my non-public personal information with non-affiliated third parties. XXXX XXXX XXXX, Section XXXX : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ) ( REGIONS BANK ) ( XXXX XXXX DEALER ) ( STATE OF NJ XXXX )- ( XXXX APPLIANCES ) ( _LENDINGPOINT ) ( XXXX XXXX L XXXX XXXX ) ( UPSTART NETWORK ) ( XXXX XXXX SOLUTION ) XXXX XXXX. XXXX XXXX ) ( XXXX. XXXX XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX ) ( NJ XXXX XXXX ) XXXX XXXX WEDS XXXX CRDSRVC INQUIRIES NAME XXXX XXXX XXXX XXXX XXXX A P XXXX NA CAPITAL XXXX AUTO XXXX APPLIANCES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX F U REGIONS BANK ACCOUNT NUMBER XXXX XXXX XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX L XXXX XXXX XXXX XXXX XXXX XXXX XXXX X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX NC SETTLEMENT O SYNCB SYNCB/PAYPAL TRANSUNION WE BANK NA XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX HUNTERS HORN XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, GA XXXX, which XXXX have XXXX by aggravated identity theft in accordance XXXX XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX the XXXX FTC XXXX Federal Trade Commission for XXXX XXXX XXXX and XXXX. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims XXXX be XXXX XXXX Code XXXX XXXX Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, theagency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX DATA SOLUTIONS EQUIFAX XXXX the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply ( XXXX XXXX XXXX - Block of information resulting from identity theft NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXX EQUIFAX XXXX XXXX REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( XXXX ) XXXX U.S.C XXXX. ( XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party XXXX for maintaining the account. XXXX Concrete F.C.U v. XXXX, XXXX XXXX. XXXX, XXXX P. XXXX XXXX ( XXXX ), XXXX Hawaii, XXXX v. XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX, ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ), and Town of XXXX XXXX XXXX Shores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Conn.l ( XXXX ). and XXXX v. Godbole, XXXX XXXX. App. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ). XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the XXXX above. My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. i demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Ive sent paper work and complaints from the XXXX XXXX Department ( BBB ) ( CALIFORNIA XXXX ATTORNEY GENERAL COMPLAINT ) CALIFORNIA XXXX XXXX AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO - XXXX XXXX EQUIFAX XXXX DATA SOLUTIONS XXXX XXXX ( XXXX XXXX a ( d\ ( XXXX ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report XXXX NOT XXXX on the consumer reports. Yet XXXX XXXX EQUIFAX XXXX DATA SOLUTIONS XXXX XXXX XXXX DATA SOLUTIONS XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT -EXPERIAN XXXX EQUIFAX XXXX DATA SOLUTIONS XXXX XXXX DATA SOLUTIONS -LEXISNEXIS
Company Response:
State: NJ
Zip: 080XX
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: Their investigation did not fix an error on your report
Consumer Complaint: Credit report agency continues to report incorrect information and is improperly reporting per FCRA. Identity theft had been recorded with social security, federal trade Commission, attorney general, etc. As a victim, the agency is required to instantly blocked transactions within 4 days ( 15 USC 1681 ( C ) ( 2 ) ) and 5 days ( 15USC 169 ( G ) ( A ) ) to validate debt with proof. It has been over six months dealing with this fraud. All communication must be USPS no phone calls will be taken.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A