Date Received: 2024-01-12
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: 79938
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
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: 46235
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Equifax Information Services, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). Moreover, it has come to my attention that the information shared through credit bureaus like Equifax has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX. Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. Please be advised that persistent contacts from XXXX XXXX based on false or unverified information reported through Equifax may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX Contrary to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Equifax Information Services, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information. Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ). Moreover, it has come to my attention that the information shared through credit bureaus like Equifax has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors. As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts. Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX. Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions. Please be advised that persistent contacts from XXXX XXXX based on false or unverified information reported through Equifax may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent. I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Kindly see the documents i attached for the dispute of the late payment that should not be listed on my credit report.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A