Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold and bought illegally, and I am a victim of the Equifax data breach. I would like to have these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax should be held accountable, as my personal life has been deeply affected. Please help me delete these illegal accounts from my credit report. EQUIFAX DATA BREACH SETTLEMENT Based on the information you provided, our records indicate your personal information was impacted by this incident. The services and payments are listed as follows : XXXX XXXXXXXX XXXX XXXX {$59.00} X XXXX months = {$1000.00} XXXX XXXX XXXX XXXX XXXX Payments of {$100.00}, XXXX payment {$99.00} = {$420.00} XXXX XXXX XXXX XXXX XXXX {$99.00} for XXXX months = {$690.00} XXXXXXXX XXXX XXXX {$39.00} for XXXX months = {$270.00} Total Spent on Service {$2400.00}
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Company Response:
State: LA
Zip: 70043
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Company Response:
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Company Response:
State: OR
Zip: 97478
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Filed a complaint with CFPB in XXXX XXXX regarding a debt for XXXX. They were unable to locate any information in their system. I called to confirm the company and was again told theres no record of this debt in their system.
Company Response:
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 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: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I received my Equifax credit report on XX/XX/2024 and I noticed some accounts on my credit report are in fact inaccurate and incomplete. Which is a clear violation of USC 1681e ( b ) They also violated 15 USC 1681s-2 ( a ) % ( b ), 15 USC 168i ( 5 ) ( A ) ( i ) & ( ii ). I believe honestly that they are doing this on PURPOSE. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. They must be blind because XXXX XXXX can see that everything is inconsistent. How can One data furnisher or one source of information. That's coming from ONLY one business, report 3 different information. I have attached supporting documentations to support my complaint.
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX Bank is reporting a debt as open. I requested a letter of validation for this account because I don't believe this to be mine and I never received one and I also reported thar this account is reporting inaccurate information and by law this account must be removed for failing to report accurate information on my report. I disputed this and requested it's removal which is my right by law. Equfax did not remove it and changed it from open to charged off. And they took XXXX points off my credit report. Please help me to remove this account and put back my points that were unjustly removed from my credit score.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, XXXX XXXX XXXX put my XXXX XXXX account into collections. They put it into collections because XXXX XXXX was in a company corporate name that wasn't personally guaranteed. This account never belonged on my credit in the first place. They took my consumer information and placed it on my credit report and that's not what should have happened. 16 CFR 313.7 15 usc 6802 Per the FCRA as a federally protected consumer I am now opting out of any and all authorizations I the consumer may have given you written, unwritten, verbally and non verbally per 15 USC 6802 it is effective immediately andindefinitely. Since the debt is now with a third-party collection agency, it has already been charged off. As outlined in Tax Topic 431, this represents a certificate of indebtedness, which is categorized as income. It's important to note that income is not reportable on my credit report. " If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. '' - Tax Topic 431
Company Response:
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A