Date Received: 2024-01-22
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I sent a dispute letter to Equifax Information services as a formal written complaint for reporting inaccurate and incomplete credit information. the fair credit act states that I should have a resolution within 30 days of filing a formal complaint. It has been over 30 days and Equifax has not been able to verify information, or provide me with any feedback about the formal complaint. XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. Reached agreement with company to remove late payment history XXXX XXXX XXXX Account XXXX : XXXX Please remove late payment history
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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 a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. XXXX has refused to do so. On XX/XX/23, I called XXXX and spoke to an agent named XXXX who refused to provide me with an Employee ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. I will be uploading documents as proof of my dispute letters
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name :. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. Potentially XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$450.00} written off.XXXXotentially negativeDate XXXX $ XXXX. {$1600.00} written offXXXX XXXXPotentially negativeDate XXXX $ XXXX. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX charged off. {$890.00} written off. {$890.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX account. {$860.00} past due as of XXXX XXXX XXXX negativeDate XXXX $ XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$450.00} written off.XXXXPotentially negativeDate XXXX $ XXXX. {$1600.00} written offXXXX XXXXPotentially negativeDate XXXX $ XXXX. {$100.00} past due as of XXXX XXXX XXXXPotentially negativeDate XXXX $ XXXX charged off. {$670.00} written off. {$670.00} past due as of XXXX XXXX XXXX XXXX negativeDate XXXX $ XXXX charged off. $ XXXX account. $ XXXX XXXX XXXX XXXX XXXX $ XXXX account. {$860.00} past due as of XXXX XXXX XXXX inquiriesXXXXInquired XXXX record untilMay XXXX XXXX record XXXX XXXX XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXX XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXXXXXX XXXXInquired XXXX record untilAug XXXX XXXX XXXXInquired XXXX record XXXX XXXX XXXX record XXXX XXXX XXXX record untilJul XXXX XXXX
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: See attached documents. Remove this personal information that does not belong to me.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Someone went to this store and requested financing with my information without my authorization. I request financing for XXXX in a named store : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The financing company is called XXXX ( XXXX XXXX XXXX XXXX ) by placing an email : XXXX Details about what happened Phone : XXXX and using these addresses : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX Fl XXXX And mi SS number I have never been to that store, I have never bought anything from that store and I have never used XXXX to finance anything. I have already filed a police report about it.
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: the following account is negative without furnishing XXXX proof of verification of this debt or that you followed XXXX laws and regulations to report, therefore you must remove XXXX negative and adverse remarks under 15 USC 1681 ( b ), 15 USC 1681a ( 2i ), and 15 USC 1681c ( 5 ) of the Fair Credit Reporting Act ( FCRA ) : the company alleged I owed them money, however, they closed the account and charged it off. In addition, the company alleged I maxed out the credit limit at {$130.00}, but the highest limit it shows is {$790.00}.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already sent a letter addressing the XXXX and unknown items on my XXXX report, but unfortunately, I have not received XXXX response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my XXXX report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Company Response:
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A