Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent in documents that my loan has been forgiven. It took me over one year to speak with a representative. It took another year for XXXX to report that my Department of Education balance has been forgiven. But XXXX has failed to report this information to all three credit bureaus. XXXX is showing closed on my XXXX. I want all three credit bureaus to report the same information.
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to inform you that, based on my review of my credit reports and communication with your agency, it has come to my attention that there have been multiple violations of federal laws, specifically 15 U.S. Code 1681 and 15 U.S. Code 1692. 15 u.s. code 1681 ( No Damage Defamation of charter ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter 15 u.s. code 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Addresses : XXXX XXXX XXXX XXXX, Tn XXXX, XXXX XXXX XXXX, XXXX, TN XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Current : XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX Employers : REMOVE XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX Open Date XXXX XXXX Collections : XXXX XXXX {$8300.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX According to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), consumers have the right to accurate and fair credit reporting. It has come to my attention that your agency has committed violations in this regard, which have caused harm to my creditworthiness and financial standing. Additionally, the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) outlines the permissible and prohibited practices for debt collectors. It appears that your agency has violated these provisions during its attempts to collect a debt from me. I hereby notify you of XXXX distinct violations, each of which is subject to a penalty of {$1000.00}, as outlined in the relevant statutes. The total amount owed for these violations is {$4000.00}. Please be advised that failure to address and rectify these violations within 15 Days from the date of this letter may result in further legal action. I expect your prompt attention to this matter to avoid any escalation of the situation. Enclosed with this letter are copies of the relevant documentation supporting my claims. I urge you to conduct a thorough investigation into these matters and provide a written response within the specified timeframe. Your immediate attention to this matter is appreciated. If you have any questions or require additional information, please contact me via email XXXX.
Company Response:
State: TN
Zip: 37207
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: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I sent your company a letter on XX/XX/XXXXXXXX to request that you please include the additional information attached to my credit history report. As of yet, the account has not been added and I have not received a response. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. XXXX is already reporting this account. You may verify this information with the source, and I have included their contact details. Please see the referenced account below and see the attached dispute letter dated and time stamped and add the following account to my credit report : XXXX XXXX XXXX XXXX Authorized user Credit limit {$30000.00} Open date XX/XX/XXXXXXXX Contact XXXX
Company Response:
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The following companies have violated my rights and the Fair Credit Reporting Act by reporting incorrect information on my credit report. Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demanded to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this was clearly a billing error. The items below should all be updated as agreed on my consumer report. also, The Consumer reporting agency has published defamatory and false statements of alleged facts to my consumer reports, and Doing so has caused and will continue to harm me and my standing. The information reported entails private personal information which they have no right to communicate or convey to anyone without my written consent pursuant to 15 USC 1692c ( a ). XXXX XXXX Account number XXXX late payment XX/XX/XXXXXXXX XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I feel as if my privacy rights have been violated also. Correct these billing errors immediately
Company Response:
State: AL
Zip: 365XX
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: 2024-01-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX CFPB Complaint No. : XXXX Dear Equifax Representative , I am writing to follow up on my recent dispute submission, referenced under CFPB Complaint No. XXXX. I understand the importance of verifying my identity to protect my personal information, as emphasized in your previous communication. However, I wish to clarify that I have already submitted all required documentation to confirm my identity and address. The delay in resolving the inaccuracies in my credit report is not only inconvenient but also significantly detrimental to my financial stability and day-to-day life. These errors are adversely affecting essential aspects of my livelihood, such as my ability to acquire credit, seek housing, and manage my financial affairs effectively. Therefore, I respectfully urge a prompt review and correction of the disputed items in my credit report. The requested corrections, as previously detailed, include : Updating my current address to XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Correcting my phone number to XXXX. Rectifying my name to XXXX XXXX. Removing all outdated employment information. I trust that Equifax will expedite the processing of my dispute in light of these circumstances. Please acknowledge the receipt of my previously submitted documents and proceed with the necessary corrections without further delay. Your immediate attention to this matter is greatly appreciated. I look forward to a swift resolution. Sincerely, XXXX XXXX
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 90017
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act FCRA 15 USC 1681 section 602a states " 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. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXX is a financial institution by definition stated in 15 U.S. Code 6827 ( 4 ) ( a ) The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. Gramm Leach Bliley Act section 501 ( b ) ( 1 ) states that an agency or authority need to to insure the security and confidentiality of customer records and information and section 502 ( a ) states Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503. XXXX XXXX XXXX XXXX may not disclose my transactions and credit utilization to any nonaffiliated third party, such as and including XXXX, Equifax, and XXXX. 15 USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX and the consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish non public information of my credit transactions and credit utilization and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX whether it be verbal, non-verbal, written, implied, non written or otherwise is revoked. In 16 CRF 313, which is under the authority of 15 USC 6801, part 313.6 ( a ) ( 6 ) it states that privacy notices must include An explanation of the consumer 's right under 313.10 ( a ) to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ;. With that, 12 CFR 1016.1 also requires that the financial institution Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. XXXX XXXX XXXX XXXX did not provide an adequate or reasonable opt out notice to me to opt out of nonpublic personal information pertaining to my transactions and credit utilization to non affiliated third parties. I am exercising my right to opt out of any nonpublic personal information XXXX XXXX XXXX XXXX is disclosing to nonaffiliated third parties pertaining to transaction details of monthly payments, effective immediately and back dating to XX/XX/XXXX. There will be an opt out letter attached in supporting documents. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This transaction information and credit utilization is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Not only have these listed agencies violated the Fair Credit Reporting Act, but also the Privacy Act of 1974 5 USC 552a, and the Gramm Leach Bliley Act as these grievances fall under these Acts as well.
Company Response:
State: MN
Zip: 55330
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, XXXX, XXXX, and Equifax are damaging my estate by reporting illegal transactions that I never gave written, verbal, or any type of communication or permission to do. XXXX XXXX XXXX XXXX does not have an original contract with me and they can't produce the original documents and are using fake documents in violation of 15 USC 1692j. On top of that, The credit bureaus XXXX, XXXX, and Equifax are also in violation of 15 USC 1692g, 15 USC 1692f, Privacy Act of 1974, 15 USC 1681g, 15 USC 1681b, 15 USC 1681c, 15 USC 1692d, 15 USC 1681c, 15 USC 1681i. XXXX, Equifax, and XXXX has reported multiple addresses on my consumer report. I only have XXXX XXXX XXXX XXXX XXXX TX XXXX. All 3 Credit Bureaus are in direct violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXXXXXX XXXX XXXX are not companies that I have an agreement with and I never gave these companies my social security number and I never permitted anyone to place collections on my consumer report. That is identity theft!!!! It is a shame that these credit bureaus do not have regulations or standards in place to protect the consumer. XXXX is the worse allowing any company to be posted to my consumer report. Neither did I receive any type of notice from XXXX, Equifax, or XXXX while these companies are taking adverse action on me and that is a violation of 15 USC 1681m. In addition, all of these hard inquiries should not be on none of consumer reports : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX - XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX ) XXXX XXXX XXXX XXXX - XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX Failure to update my consumer report will result in my filing arbitration against each bureau for these violations.
Company Response:
State: TX
Zip: 75126
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: While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Company Response:
State: PA
Zip: 19135
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: Old information reappears or never goes away
Consumer Complaint: As of XX/XX/23, I paid an account listed on my credit report in full. This was reported to Equifax and the collection agency requested a delete and the account still remains on my credit report. This is a violation of the Fair Credit Reporting Act! This paid in full account remaining on my credit is hurting my good name.
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A