Date Received: 2024-01-10
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. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights. 15 USC 1681 section ( A ) states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 It also states a consumer reporting agency can not furnish accounts without written instructions. 15 USC 1681 ( C ) ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC ( C ) 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NC
Zip: 27704
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my credit history with Equifax, XXXX, and XXXX and I've noticed several inquiries that I did not do. Those inquiries are transactions that I do not authorize. These are the following transaction with Equifax. XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Company Response:
State: FL
Zip: 33054
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 information incorrect
Consumer Complaint: Fix the problem and add car payments FCRA for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as PAID on time. Send me new credit reports.
Company Response:
State: AZ
Zip: 85258
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: [ I will upload a PDF of this in case the formatting gets lost ] I pulled my Equifax Consumer Report and noticed a whole bunch of things I do not want on there, which I had never consented to them having or sharing. I mailed them a very detailed letter requesting they prove they had the right to receive and share my information. I clarified that even if I HAD accidentally consented, I hereby revoke that consent and I listed all the things they must remove. I extended Equifax 30 days to provide proof of my contract with them as well as proof they have provided clear and conspicuous notice. I also extended them 30 days to remove the particular things I wanted removed, requesting they send me an updated report. I made it clear I will hold them accountable for {$1000.00} per violation. I also made it clear that, as Im currently traveling, they must respond via email. And therefore, if they mail their updated report and/or proof of contract or consent INSTEAD of emailing it to me as well, it shall be considered as though they have not responded at all. I have not received any email. I am not aware of any mail sent to the mailing address they have on file. And, as I can see from todays Equifax report, there are still XXXX data points which they have yet to remove. For the record, I will attach my letter to Equifax in this complaint.
Company Response:
State: OR
Zip: 972XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. Please see attached drivers license, social security card, proof of address, FTC Identity Theft Report, and complaint letter.
Company Response:
State: FL
Zip: 34471
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: In XXXX when Equifax and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge Equifax never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.
Company Response:
State: FL
Zip: 334XX
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: Account information incorrect
Consumer Complaint: On XX/XX/2023 I submitted a formal complaint to all XXXX credit bureaus ( XXXX, Equifax Information Services LLC, and XXXX XXXX XXXX in regards to reporting inaccurate and incomplete credit information in reference to the Fair Credir Reporting Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I submitted a second dispute letter in reference to the same issue via no update. It has now been passed 30 days and no investigation results have been emailed or mailed to me.
Company Response:
State: FL
Zip: 33025
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: In XXXX i found out i had been a victim of identity theft. Now i have a few fraudulent items on my credit report.
Company Response:
State: CA
Zip: 95757
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: Their investigation did not fix an error on your report
Consumer Complaint: ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXXK # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NJ
Zip: 07087
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 information incorrect
Consumer Complaint: The company recently sent me a letter stating my balance owed is {$0.00} but the account is reflecting that I owe {$15000.00} on my consumer report. There is obviously a discrepancy between the company and the reporting agencies which appears to result in erroneous/inaccurate information being reported on my consumer report.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A