Date Received: 2024-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold and bought illegally because I am a victim of Equifax data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX XXXX XXXX XXXX As well as inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. 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 I do not contact these companies for the following dates that have been listed with XXXX XXXX nor do I have accounts for the other companies. I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from Equifax. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Company Response:
State: FL
Zip: 32305
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/, I applied for an XXXX XXXX Credit Card with XXXX XXXX Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only XXXX who was able to use the account. Despite numerous calls to both XXXX and XXXX XXXX over XXXX months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all three credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. This has resulted in a significant impact on my credit score, and neither XXXX nor XXXX XXXX has attempted to resolve the problem in over a year.
Company Response:
State: FL
Zip: 33065
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: Account status incorrect
Consumer Complaint: My car was totaled and I had GAP coverage, which means that it was paid in full. The credit bureaus are constantly reporting the account delinquent and past due. This is affecting me really badly.
Company Response:
State: TN
Zip: 38128
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 status incorrect
Consumer Complaint: My car was totaled and I had GAP coverage, which means that it was paid in full. The credit bureaus are constantly reporting the account delinquent and past due. This is affecting me really badly.
Company Response:
State: TN
Zip: 38128
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: Information belongs to someone else
Consumer Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Pursuant to 15 USC 1692a ( 3 ) I am theconsumerand I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor. I Declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted byFEDERAL AND STATE LAWto file this dispute. I also understand that Knowing and willful misstatement or omissions of material facts constitutes aFEDERAL CRIMINAL VIOLATIONpunishable under18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization -used my personally-identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All are being investigated by theFTC. **15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. **15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement o f purpose ( consumer right to privacy ) - ( 4 ) There is a need toinsurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have a right to privacy. **18 U.S. Code 1028A - Aggravated identity theft a ) Offenses. ( 1 ) In general. Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) Terrorismoffense. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. **18 U.S. 1028- Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in acircumstancesdescribed in subsection ( c ) of this section- ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a felony under any applicable State or local law ; Shall be punished as provided in subsection ( b ) of this section ( b ) The punishment for an offense under subsection ( a ) of this section is- ( 1 ) ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or use of 1 or more means of identification if, as a result of the offense obtains anything of value aggregating {$1000.00} or more during any 1-year period ; **12 CFR. 1022.3 ( h ) - Identity theft means a fraud committed or attempted using the identifying information of another person without authority. You ViolatedTheUnited States Code Law 15 U.S. Code 1666b. Timing of payments - A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Your Registered Agent alsoreceivedNotice of Pending Litigation andNoticeof Default with the opportunity to cure. Notice to all, I am presenting myself as a federally protected consumer and to my understanding, you have assumed a vital role in assembling and evaluating consumer credit. I also understand that you have been developed to uphold a consumers creditworthiness, credit standing, credit capacity, character, and most of all the REPUTATION of consumers. While looking at my consumer reports, I noticed accounts that were listed without my permission and written instruction. This is a violation of federal law pursuant to 15 USC 1681b. I want these accounts deleted immediately. The accounts are listed below XXXX XXXX XXXX XXXX XXXXXX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- DELETE IT 2. XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- DELETE IT 3. XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- DELETE IT The following accounts were not made by me : XXXX. XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account 1 of 10 is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once 8. XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account is inaccurate. I'm seeking Litigation. Please delete at once XXXX. XXXXXXXX XXXX XXXX XXXX XXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - Please review attached documents and proof of identity. Please delete once the investigation is complete. 15. CHILD SUPPORT ENF AGXXXX - XXXX - This account is unknown and I did not authorize this account. It's an unauthorized account and i t appears to be fraud. - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. Also, a credit report that reflects updated changes should be sent. You have 4 days to respond pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( iii ) ( A ). Please look into this matter imminently before you are held civilly and criminally liable pursuant to federal law. Be advised that thedescriptionof the procedure used to determine the accuracy and completeness of theinformation is hereby requested as well, to be providedwithin ( 5 ) days ofthe completion of your re-investigationand I am keeping a carefulrecordof your actions, including your Method of Verification.I do not consentto e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certifiedletter may result in a small claims action against your company, seeking {$1000.00} per violation for each month reported for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY18 U.S. 1028 Aggravated Identity Theft 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting 10. ) United States Code Law 15 U.S. Code 1666b. Timing of payments
Company Response:
State: TN
Zip: 37601
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: I recently checked my credit report and saw accounts reporting that I do not recognize
Company Response:
State: MD
Zip: 20744
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 status incorrect
Consumer Complaint: RE : Acct # XXXX Dear CFPB, XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate and incorrect information to the consumer reporting agency XXXX and Equifax. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting by the institution has damaged my livelihood. 15 U.S. code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS 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. 1 ) Duty- A moral or legal obligation : a responsibility 2 ) Prohibition-A law or regulation forbidding something 3 ) Accurate- correct in all details ; exact. According to the law it is the credit union 's moral and legal obligation to provide information that is correct in ALL details, and the information must be exact. Exact- not approximated in any way : precise. The furnisher by law is forbidden from reporting information with knowledge of errors. As defined in the Internal Revenue publication under canceled debts, A charge off or canceled debt is gross or ordinary income. A canceled debt of {$600.00} or more requires the lender to file a 1099c with filed taxes. The canceled debt is deemed by the internal revenue as gross and ordinary income and taxable. This information is found on page 3 IRS publication 4681 titled Canceled Debts. Gross or ordinary Income of any sort is not reported on a consumer report, doing such is illegal. The account can not be both income and debt at the same time. The IRS clearly defines a charge off as gross or ordinary income. The reporting of this account as a debt after it has been charged off, written off or canceled, by admission is what makes the reporting of this account inaccurate. The credit union is prohibited by law from reporting inaccurate information on a consumer report. I demand you to cease and desist from reporting this inaccurate information on my consumer report. 15 U.S code 1681s-2 ( a ) ( 1 ) ( A ) : 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. You are hereby put on notice that you are furnishing incorrect, inaccurate information! 15U.S code 1681s-2 ( B ) Reporting information after notice and conformation of errors : A person shall not furnish information relating to a consumer to any consumer agency if- ( i ) The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate : and ( ii ) The information is, in fact, inaccurate. In conclusion I have shown you and youve been put on notice, that you are reporting inaccurate information. The information is in fact inaccurate. The continued reporting of this information is a clear violation of law 15U.S code 1681s-2 of your responsibilities as a furnisher of information. You have caused me, and my family, severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and delete this erroneous inaccurate account from my consumer report. YOU HAVE XXXX CALLENDER DAYS TO DELETE THIS ACCOUNT FROM CONSUMER REPORT.
Company Response:
State: PA
Zip: 19130
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: 2024-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a dispute for an account that did not belong to me, on XX/XX/2023, and they didn't respond as the law says. It has been more than XXXX days since I asked Equifax to delete this account from my credit report and they didn't delete the account from my credit report.
Company Response:
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A