Date Received: 2024-01-11
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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07307
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following are fraudulent inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93313
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 so confuse because a recieved response from the XXXX credit bureaus this month saying I using XXXX party to help me sending my dispute letters. As far I remember I the only one who send all the dispute letters I'm requesting to delete the fraudelents account, incorrect information and inauthorized inquiries listed on my report. Here 's the list of account and inquiris I want to be deleted : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} Please delete the following account. Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error. XXXX XXXX XXXX. XXXX, XXXX {$680.00} Pleas delete the late payment status on my credit report. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Please delete the following account. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} Please delete the following account. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$510.00} Please delete the following account. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} Please delete the following account. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} Please delete the following account. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX, XXXX Please delete the following account. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. Discharged XXXX : Bankruptcy XXXX {$0.00} XXXX. XXXX, XXXX Please delete the following account. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XX/XX/XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX Inquiry : XXXX XXXX, XXXX Please delete this inquiry.
Company Response:
State: GA
Zip: 30253
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: I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 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: FL
Zip: 339XX
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: 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10473
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$6800.00}.
Company Response:
State: FL
Zip: 33511
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: The following student loan accounts were disputed for reporting inaccurately 90 day late payment for XX/XX/XXXX with XXXX, XXXX and Equifax in XX/XX/XXXX. All XXXX accounts were investigated, corrected and reporting pays as agreed/never late account status on these student loans. On XXXX XXXX I received credit report alerts and email from XXXX stating that " my reinvestigation request '' was complete, and that the accounts were added back to my consumer report and reporting the 90 days late again.I called all XXXX credit agencies to have accounts corrected and updated once again. I explained that the accounts had been previously disputed and updated and that I, in fact, DID NOT request a reinvestigation as the email stated, nor was the information correct. I called the student loan servicer, XXXX, as well as logged into the portal to request the account history and to obtain any additional documentation that I could present to the credit agencies so that this can deleted from my consumer report immediately. The student loan servicer stated that they do not show the negative accounts being reported and my accounts were transferred to them in XXXX, and no negative account status reporting on their end ; nor do they show the accounts numbers that XXXX reports on my consumer report. Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$5100.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$4800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$7800.00} 90 days late XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} 90 days late XX/XX/XXXX I also declined the offer to put a security lock and statement of fraud alert on my consumer report. I was given a confirmation Number from XXXX and that this fraud alert statement and lock would be removed from all XXXX credit bureaus on XX/XX/XXXX, but it was not removed and still reporting on my consumer report. Numerous calls, reports and FTC report and letters to XXXX to remove unknown and unauthorized inquiries from report. They continue to state that they have not received reports, etc. Keeps providing different mailing addresses to send disputes and documents, then when i call to follow up, a different agent gives me different information. This has went on since XX/XX/XXXX. Equifax is reporting inaccurate information and only one account showing on the online portal, my credit score is showing over XXXX point difference due to inaccuracy and also has been reported to an entity that my score was much lower than the score I paid online to obtain ( which was still incorrect ). I can not access my credit file from Equifax online and constantly being told that I have to wait for my credit report and score to come via mail for accuracy ... .in which I never receive the score and the credit report is still inaccurate after waiting over one week to receive each report via mail.
Company Response:
State: MS
Zip: 39157
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: 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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. XXXX XXXX XXXX XXXX
Company Response:
State: CT
Zip: 06705
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: Personal information incorrect
Consumer Complaint: Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Company Response:
State: VA
Zip: 23234
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: Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ca XXXX Subject : Opt-Out Request and Notice of Violations Under the Fair Credit Reporting Act Dear Equifax, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX writing to bring to your attention several concerns and violations of the Fair Credit Reporting Act ( FCRA ) as outlined in the United States Code XXXX DATE OPENED XX/XX/2018 According to XXXX XXXX XXXX, section XXXX ( a ), the XXXX emphasizes the importance of ensuring that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Equifax and XXXX, being consumer reporting agencies, are bound by these principles, as am XXXX, the consumer. XXXX XXXX XXXX underscores the policy that financial institutions, including XXXX XXXX XXXX, have an affirmative obligation to respect the privacy of their customers and protect the security and confidentiality of nonpublic personal information. However, I wish to assert my rights under XXXX XXXX XXXX, section XXXX ( a ) ( XXXX ), which states that a consumer reporting agency XXXX only furnish a consumer report in accordance with the written instructions of the consumer. I have not provided written consent for the sharing of my information, and therefore, any assumed consent is hereby revoked. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. XXXX XXXX XXXX failed to inform me of my right to exercise this option. In addition, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from making consumer reports containing adverse information without explicit consent. The reporting of adverse information by Equifax and XXXX without my permission constitutes a violation of this provision. Under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person must not furnish inaccurate information to a consumer reporting agency. I demand that you cease furnishing any information related to me until you can verify its accuracy. Equifax and XXXX are obligated by 15 USC 1681e to maintain reasonable procedures designed to avoid violations of the FCRA. The reported violations indicate a failure to uphold this obligation. Lastly, in accordance with 12 CFR 1016.7, I am hereby exercising my right to opt-out of your reporting services. I expect prompt action to address these concerns and to cease any further unauthorized disclosures of my information. Please provide a written response within 30 days detailing the actions taken to correct these violations and confirm my opt-out request. If you require any additional information to process this request, kindly inform me promptly. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A