Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Company Response:
State: TN
Zip: 381XX
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: XXXX XXXX is still reporting information as correct ; they keep updating the new dates. I have tried to dispute this account and still no resolution. XXXX XXXX XXXX Equifax is the only company reporting this account incorrectly. XXXX and XXXX.
Company Response:
State: TX
Zip: 78586
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: A few weeks ago I got and reviewed my credit report and noticed unauthorized Inquires on it I called XXXX, Equifax, and XXXX to get them removed and they said I had to send in a FTC report so I did then when I followed up they said that they have yet to receive the report
Company Response:
State: MD
Zip: 20706
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: Information belongs to someone else
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. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 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.
Company Response:
State: CT
Zip: 06511
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: I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.
Company Response:
State: TN
Zip: 38128
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: Incorrect information on your report
Subissue: Information belongs to someone else
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. Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 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.
Company Response:
State: MI
Zip: 482XX
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: my information was bought or sold illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. i am attaching proof that Equifax has in fact admitted i was a victim in the data breach and eqifax has done nothing. please help me remove these accounts XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$380.00} written off. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1000.00} past due as of XX/XX/XXXX. XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Account charged off. {$3800.00} written off. {$1600.00} past due as of XX/XX/XXXX. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$740.00} Status Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1200.00} written off. {$1100.00} past due as of XX/XX/XXXX. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$470.00} written off. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Petition for XXXX XXXX Bankruptcy. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$470.00} Status Collection account. {$470.00} past due as of XX/XX/XXXX. XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. XXXX XXXX Hard inquiries XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX Inquired on XXXXXXXX On record untiXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX XXXX XXXX Inquired on XXXX On record untiXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX On record until XXXX XXXX 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 : 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.
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: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: OH
Zip: 452XX
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: Information belongs to someone else
Consumer Complaint: I have XXXX hard inquires on my Equifax report that i did not authorized XXXX is XXXX XXXX AND THE OTHER IS digital XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07040
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Company Response:
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A