Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I contacted the credit bureaus more than 45 days ago via the mail, so I know they received it.They are violating my FCRA rights by not investigating my dispute.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing this letter regarding payments that were marked as late by your company for the following accounts and dates : Account Number : XXXX, Late Payment Dates : XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX, Late Payment Dates : XX/XX/XXXX and XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX, Late Payment Dates : XXXX, XXXX, and XX/XX/XXXX, and XX/XX/XXXX XXXX
Company Response:
State: PR
Zip: 00957
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I hope you're doing well. I'm writing to talk about an issue I found in my credit report. My name is XXXX XXXX XXXX, and I noticed that some of my personal information was shared with another company without my permission. I think this goes against the law that says you can't share someone's personal info without their say-so. I read about the rules ( 15 U.S. Code 6802 ) that say my personal info should be protected, but it seems like that didn't happen. The Fair Credit Reporting Act ( FCRA ) also gives me the right to control who gets my info, and it looks like my info went to someone who isn't connected to your company. This worries me because I didn't get a chance to say no, like the law says I should. Just to be clear, I don't have a problem with the companies I owe money to. My concern is with your company for sharing my info without checking with me first. I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal info. I never gave that permission, so I need you to prove that I said it was okay. If you can't, it might mean you broke the rules of the FCRA. I already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried this might be a kind of identity theft ( 18 USC 1028a ). I'm officially asking you to take these accounts off my credit report in the next four business days : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court XXXX Account Number : XXXX I also want you to remove these unauthorized inquiries in the same time frame : XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXX - Inquiry date XX/XX/2023 XXXXXXXX XXXX - Inquiry date XX/XX/202XXXX XXXX XXXX Inquiry date XX/XX/2023 I have the right to fair and accurate credit reporting, and fixing these mistakes is important for my credit report to be correct. I also need you to show me how you checked that the information you have is right and that I had a chance to say no to it. This is important to make sure credit reports are fair and accurate. I hope we can sort this out quickly, within the four business days I mentioned. If not, I might have to take legal action. Thank you for looking into this right away.
Company Response:
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( 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.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, Equifax, and XXXX are all violating my consumer rights and reporting non public information without my consent which goes against the terms and conditions reporting banks have provided me. All three entities are third party affiliates and no one can approve the information reported except for the consumer. According to the FCRA 15 USC 1681 section 602 explains that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. I also have the right to opt of of reporting which is supposed to be provided to me and has never once be provided in the entire credit profile history and age. According to 15 USC 1681b permissible purpose must be presented and under no circumstances can any non public information be reported without the order of the court or the written consent of the consumer therefore leading to inaccuracys on accounts that are considered certificates of idebtdedness which is considered income by the IRS. It is illegal to report income in my consumer reports. These entities are also reporting names I do no go by, and reporting addresses that are non mailable. This is also a Violation of the Privacy Act of 1974. XXXX, Equifax, and Experian can not demonstrates, display, provide, or gather any evidence that I have given any consent to reporting nor can that show or prove they have guven me an opportunity to opt of of reporting if I choose to do so. According to 16 CFR 313.17 XXXX, Equifax, and XXXX are required to provide me with the necessary documentation to opt out. 15 USC 6802 states financial institutions may not, directly or through any affiliate, disclose to a non affiliated third party any non public personal information, unless given proper notice to the consumer as well as giving the consumer an option to Opt out. Under 15 USC 6805 the Consumer Financial Protection Bureau has the fiduciary duty, obligation, and oath to enforce these regulations. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non verbal permission in accord with 15 usc 6802. At this time I want the follow non public information and accounts removed from all reporting agencies. XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on the accounts listed above. All inquiries listed below are in violation of 15 USC 1681 for inaccurate reporting, 15 USC 6805, and 16 CFR part 313 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on accounts listed All inquiries listed below are in violation of 15 USC 1681 for inaccurate reporting, 15 USC 6805, and 16 CFR part 313 - XXXX auto sales- XXXXXXXX XXXX - XXXX - XXXX - XXXX FL - XXXX Bank - XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on the accounts listed. All inquiries listed below are in violation of 15 USC 1681 for inaccurate reporting, 15 USC 6805, and 16 CFR part 313 - All XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX All XXXX XXXX All 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
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened a XXXX credit card in my name without my permission and has ran up a bill amounting to XXXX dollars. I have never applied for, nor opened a XXXX credit card. Please block this fraudulent account pursuant to section 1681 of the Fair Credit Reporting Act.
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive reviewed my consumer reports and notice that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the accounts that I have included in this screenshots inside this complaint in on this date of XXXX XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand that these payments be updated to paid as agreed on time as they should due to the fact I was never late. Thanks! Please see screenshots attached :
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: To whom it may concern : XX/XX/2023 Per the Fair Credit Reporting Act, As a federally protected consumer, I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or nonverbal per 15 : USC-6802. Thank you XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: identy theft with equifax
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: To Whom It May Concern, I hope these letters will reach the appropriate departments. They reported multiple numbers of collection accounts on my credit report, yet, my personal information from their records were incorrect. They have NO uniformity of information. How can they say that a certain account is mine and my responsibility if they can't even be 100 % accurate with my personal information. Where did they obtain my details then? As a consumer, my concern here is the security of my private information, and I'm receiving a lot of unauthorized access on my account, doing hard inquiries and inquiry removals without my approvals and permission. Now, I'm totally shocked that multiple derogatory and collection accounts came popping in my credit report lately. I deemed it all to be misleading, invalid, inaccurate and inconsistent! I want these removed. I asked for reinvestigation in the past but I received letters not following what was written in my debt validation letter. Since they failed to follow the correct procedures. I request for these accounts to be remove immediately from my credit report.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A