Date Received: 2024-01-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX card acct # XXXX I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! Your company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On ( XXXX XXXX Account ) XXXX XXXX XXXX- XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX ( XXXX XXXX XXXX Acct XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XX/XX/150 ) ) you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports! The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to 69 a consumer report is Clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the late payment transactions deleted from my consumer reports effective immediately. Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. Further more 15 USC 1666b ( a )
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2023, I made several disputes to the three major credit reporting agencies, through the CFPB, notifying them of inaccurate information reporting on my consumer report ( Credit Profile ). At that time I included screenshots of the inaccurate information and requested that the items be promptly REMOVED due to the inaccurate information. I also notified the reporting agencies that, at the time, this was my third time notifying them of inaccurate information and also unverified and incorrect information.
Company Response:
State: AZ
Zip: 85051
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
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 sent Equifax multiple dispute letters regarding the following collection account : Alleged account : XXXX XXXX XXXX Alleged original Creditor : XXXX XXXX XXXX XXXX Alleged amount owed : {$10000.00} and I received the response, but they have not shown me proper procedures and that they did a real investigation. They just said, this item was verified. How was it verified when the collection company has not validated or verified this information with me? Also, I want the item deleted immediately. THEY ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING!
Company Response:
State: PA
Zip: 17356
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX Office of the Attorney General California Department of Justice XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Equifax Credit Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Request for Correction of Inaccurate Late Payments on Auto Loan Account [ XXXX ] I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically related to late payments on my auto loan account with XXXX XXXX, identified by account number [ XXXX ]. The inaccuracies have had a detrimental impact on my credit score, and I am seeking your assistance in rectifying this situation. Description of the Inaccuracies : Upon reviewing my credit report from [ Credit Reporting Agencys ], I discovered that there are inaccuracies in reporting late payments on my auto loan account with XXXX XXXX. The reported late payments are not reflective of my payment history, and I believe they have been erroneously included in my credit report. this company has reported payments late for the months of XXXX XXXX XXXX XXXX and XXXX of XXXX, when all payments were made on time. i have requested and attached checks made out to this company that were sent from my bank to pay for this loan on time. i request that these late items be removed immediately Supporting Documentation : I have attached supporting documentation, including copies of payment records, bank statements, and any correspondence with XXXX XXXX, that clearly demonstrate the accuracy of my payments and the error in reporting late payments. Request for Immediate Correction : I am formally requesting that the Consumer Financial Protection Bureau, XXXX XXXX, the California Attorney General 's Office, and the XXXX major credit reporting agencies ( Equifax, XXXX, and XXXX ) conduct a thorough investigation into this matter and promptly correct the inaccuracies on my credit report. Legal Precedence : I would like to draw attention to legal precedents where companies have been held accountable for inaccurately reporting information on consumers ' credit reports. One notable example is XXXX XXXX XXXX XXXX. This case highlights the importance of accurate credit reporting and the potential legal consequences for companies that fail to uphold this standard. Consumer Rights and Protections : As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). I believe that the reported inaccuracies violate my rights under this federal law. Request for Confirmation : I kindly request written confirmation from XXXX XXXX once the corrections have been made and the accurate information has been updated on my credit report. I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if additional information is required. Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Subject : Update on my {$30000.00} line of credit on my credit reports ( XXXX, XXXX and Equifax ) I am contacting you through this letter because attempts to contact the Lender : XXXX XXXX have been unsuccessful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone : XXXX The purpose of this communication refers to the following matters : Unreported or inaccurate information on my consumer credit reports : If you review my XXXX XXXX XXXX account number XXXX, you will notice that I have a {$30000.00} line of credit, which is not being included on my Consumer Credit Report. a ) When reviewing my XXXX report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. b ) When checking the XXXX credit report, I noticed that the {$30000.00} credit limit is not reported or reflected anywhere. nor the payment history of the last 24 months. c ) When checking my Equifax credit report, I noticed that the {$30000.00} credit limit does not appear
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There is an account listed as XXXX on my credit report that does not belong to me. It is violating my consumer right to accurate reporting. Equifax is the only bureau reporting this unknown account. In addition the information listed on the account does not match my address or personal identifying information. Ive asked Equifax to validate the account by providing documentation for which that have not. Ive filed a FTC claim in XX/XX/XXXX that the company ignored. In addition, I filed a police report in XXXX ( attached ) regarding fraud and accounts that do not belong to me being on my report. In a currently open claim regarding a vehicle company ( carmax ) that was also included in the FTC report and police report.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are numerous inquiries on my reports that I did not make. These inquiries are violating my right to accurate credit reporting. They need to be deleted from my credit file ( s ). FTC advised me to report them to CFPB directly. 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
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking at my report and noticed there was some things that was not correct. I sent a letter to Equifax on XXXX XXXX. Here is the information, but it has been more than 35 days since the credit bureau havent responded thats a violation of 15 U.S. Code 1681i Under 15 U.S. Code 1681i -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, 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Company Response:
State: NJ
Zip: 07018
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: According to 15 U.S. Code 1681c2, " 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 4 business days after the date of receipt. On XXXX XXXX XXXX I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my 2nd demand for removal. If not corrected, the next step will be legal action. Remove and block the following accounts : - XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A