Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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: 380XX
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: XXXX refuses to update my credit history and continues to report me as XXXX days late on a loan since paid-off. The issue is, according to XXXX, I should not have received a Payment Deferral Agreement Offer. Instead they say underwriters or some other internal investigative team discovered my loan was restricted by my investor and should have never been granted the forbearance in question. Therefore, XXXX corrected their error, which immediately put me in arrears and multiple month 's late. The multiple payments I sent based on my executed Payment Deferral Agreement Offer were then put into suspense and/or applied to previous balance, resulting in additional months of missed payments according to them. XXXX also consistently showed differing, erroneous account status and amounts due both on their website and during calls with multiple agents and management spanning many months. Below is an initial overview of the issue and my first of many attempts to resolve the issue. However, there is plenty more including detailed notes from multiple calls with XXXX representatives over several months. XXXX. On XX/XX/2022 XXXX XXXX received a Forbearance Plan Offer ( attachment A ) issued due to XXXX XXXX indication that his ability to make payments on his loan was negatively impacted by the XXXX pandemic. In the letter, XXXX confirmed monthly payments were paused effective XX/XX/2022 with an expiration date of XX/XX/2022. The communication further noted that while payments were not forgiven, XXXX XXXX could engage with XXXX at the end of the forbearance term for a payment solution, should he continue to need assistance after XX/XX/2022. Solutions included, but were not limited to, repayment plan, payment deferral, among others. XXXX. On XX/XX/2022 XXXX XXXX received a Payment Deferral Agreement Offer ( Attachment B ) from XXXX indicating he was approved for a payment deferral which would : a. Adjust the due date of the following scheduled monthly payments, making the mortgage current ; b. Defer the scheduled repayment of the total XXXX past-due amounts to the maturity date of the mortgage or upon sale or transfer of the property, refinance or payoff ; c. Waive any late charges. According to the offer instructions, XXXX XXXX returned the signed offer to the indicated address within the acceptance period and waited for further communication from the XXXX team indicating the following scheduled monthly payments, as indicated in the notice. XXXX. On XX/XX/2022, XXXX XXXX received a Notice of Default for failure to pay amounts due ( Attachment C ). The monthly payments included in the notice ranged from XX/XX/2022, to XX/XX/2022. XXXX XXXX was required to make full payment on the amount of {$9700.00} by XX/XX/2022, to cure the default. Given XXXX XXXX entered a Forbearance Plan from XXXX to XX/XX/2022 and then accepted Loancares Payment Deferral Agreement Offer, my clients dispute the Notice XXXX XXXX from XX/XX/2022. They further request XXXX immediately halt any foreclosure procedures against them and issues them with the new scheduled monthly payments, as indicated by the XX/XX/2022 notice.
Company Response:
State: MD
Zip: 21213
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: While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Company Response:
State: SC
Zip: 29673
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: Reporting company used your report improperly
Consumer Complaint: Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Company Response:
State: CA
Zip: 93722
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: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Kindly update my account this causing me a lot of stress and XXXX
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: my information was sold and bought illegally because i was a victim of the equifax breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that equifax has admitted that i was in fact a victim of this data breach and equifax has done nothig. Please help me delete these illegal accounts from my crredit reports. XXXX XXXX XXXX XXXX Under dispute Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXXXXXX {$5900.00} XXXX Account charged off. {$5900.00} past due as of XX/XX/XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Balance {$21000.00} Status Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights. Account Name : XXXX XXXX XXXX XXXX Account number XXXX Account Name : XXXX XXXX XXXX Account number XXXX Account Name : DEPT OF EDXXXX Account number XXXX Account Name : US DEPT OF EDUCATION Account number XXXX 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 an account without my written instructions
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A