Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I reviewed my credit report and noticed that there are addresses listed that are not mine.
Company Response:
State: FL
Zip: 33023
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Company Response:
State: IN
Zip: 46218
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: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Someone robbed me and did id theft, they got prison time and these items are still on my report! XXXX XXXX XXXX accounts XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
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: This is my complaint that the Bureaus did not Resolve my request to remove these negative Items from my Credit report. 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: FL
Zip: 33177
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: I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07047
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: Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: 33177
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: I have put XXXX, XXXX and Equifax on notice for months. I am a victim of identity theft. I sent in police reports FTC REPORTS to no avail. I even identified the persons who stole my information and used it to set up multiple accounts in my name for XXXX XXXX. XXXX XXXX has video evidence of the fraud. this amount to willful non compliance 15 USC 1681N this is hurting me and harming my business and mode of living see attached documented 1 identity theft letters identifying the fraud accounts 2 ftc report 3 police report 4 state ID 5 SSN 6 Proof of address insurance card this fraud listed in my letter is not related to any transaction initiated by me If this continues to report I will send all said docs including this complaint to my North Carolina Attorney General XXXX XXXX please remove asap 15USC1681C-2 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: NC
Zip: 28273
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: Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report.
Company Response:
State: FL
Zip: 33177
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: I have diligently followed the established dispute process, providing irrefutable evidence of the fraudulent nature of these items and any other relevant documents. Regrettably, these fraudulent entries continue to tarnish my credit report, exacerbating the negative impact on my financial standing. I wish to emphasize the urgency and severity of this matter, and I express the following concerns : The persistent existence of these fraudulent items not only continues to harm my credit score but also raises serious concerns about the security of my personal information. Immediate action is crucial to rectify this situation and prevent further damage. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate or fraudulent information. The prolonged existence of these fraudulent entries on my credit report is a direct violation of this legal requirement. Despite my repeated attempts to resolve this issue, the lack of resolution is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed. I insist on your immediate attention to this serious matter and a swift resolution to remove the persistent fraudulent items from my credit report. I demand detailed information on the steps being taken to investigate and correct this issue. I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the persistent fraudulent entries. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$990.00}.
Company Response:
State: GA
Zip: 30102
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: I am writing to express my deep frustration and disappointment with the multiple unsuccessful attempts I have made to correct inaccuracies in my credit report, specifically pertaining to the incorrect reporting of late open accounts and charge-off accounts. Despite my persistent efforts and the submission of relevant documentation, these issues remain unresolved. I have diligently followed the established dispute process, submitting letters and supporting documentation to rectify the inaccuracies related to the late open accounts and charge-off accounts on my credit report. Unfortunately, these corrections have not been implemented, negatively impacting my credit score and financial standing. I would like to highlight the following concerns : The inaccuracies in reporting, including late open accounts and charge-offs, have significantly affected my creditworthiness. This has resulted in challenges obtaining favorable interest rates and credit approvals, hindering my ability to make financial decisions. The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate information. It is disheartening to note that, despite my diligent efforts, the necessary corrections have not been made to my credit report, indicating a failure to comply with the FCRA. The persistence of these inaccuracies, despite my multiple attempts, is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed. I insist on your immediate attention to this matter and a swift resolution to correct the inaccuracies related to late open accounts and removal of charge-off accounts on my credit report. I demand detailed information on the steps being taken to investigate and correct these issues. I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the inaccuracies. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to correct these late open and remove the charge off accounts in my credit file : XXXX. XXXX XXXX XXXX XXXX : {$1500.00} - Please check the Payment History and Status information on this account and adjust accordingly. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX. XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Company Response:
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A