Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear CFPB, Equifax continues to improperly report information on my Equifax report. They are failing to follow their own policies, and the XXXX of having 100 % verifiable accurate information on my credit report. XXXX is still reporting inaccurately despite my dispute with the CFPB. Information included within this account is NOT accurate, and has false information. In accordance with my right to not have my character defamed, and due to Equifax inability to accurately report my information. I am requesting deletion. EQUIFAX information on my credit report is NOT 100 % verifiable and is hurting my credit report an issue I have had with Equifax for XXXX years on this account.
Company Response:
State: MD
Zip: 20774
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: To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report. 1. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. XXXX XXXX Account Number : XXXXXXXXXXXXXXXX**** This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 4. THIS COMPANY IS IN VIOLATION OF XXXX USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore, please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information as contained on the reported trade- line is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please do not provide some generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports. There is clearly already a problem with the system as it is. In fact, one recent consumer study proved that over 79 % of consumer credit reports contain errors. Another report shows that more than 90 % contain errors. Why does your company continue to operate with such low standards of success? My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, XXXX, XXXX, as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying with the above-mentioned laws and/or acts. Your companys continued reporting of this derogatory item will be considered willful noncompliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any unnecessary legal expenses. I have filed an attorney general complaint reporting your ignorance in processing this request and greeting your mistakes CORRECTED. **ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS OFFICE Sincerely, 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 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 XXXX
Company Response:
State: DC
Zip: 20002
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: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I am being harassed. Last week, I began the process of applying for a mortgage. During that process I have contacted 3 mortgage companies to look at competitive rates. Along with that I authorized XXXX, XXXX, and Equifax to run my credit score and send reports to those 3 specific banks. Afterwards, starting Monday XXXX and all day today XXXX I have received nearly XXXX phone calls and dozens of unsolicited texts offering more competitive rates. I never opted into sharing my information. Only after I started being harassed did I research and discover XXXX where I can ask to opt out of these types of phone calls. This can take 5 days, and my name and phone number are already out there. The people calling me are unsolicited strangers, and they know my name, phone number, email, and credit score. The harassment is incessant and has caused me distraction at work.
Company Response:
State: CA
Zip: 92104
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: According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it is essential to ensure that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the Congress 's policy that financial institutions must actively protect customer privacy and the confidentiality of nonpublic personal information. A " furnisher of information to credit agencies, '' classified as a financial institution, falls under this title. 15 USC 1681 section 604 ( a ) ( 2 ) stipulates that a consumer reporting agency may only provide a consumer report in accordance with the written instructions of the respective consumer. I want to make it clear that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, Equifax and XXXX, lack my consent to furnish this information, and they certainly do not possess my written consent. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, granted to Equifax, XXXX, or the Furnisher of information to credit agencies is hereby revoked. Referring to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without explaining how the consumer can exercise the nondisclosure option. The Furnisher of information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits a consumer reporting agency from including adverse information in a consumer report without authorization. This account, reported as an adverse item, is being presented without my permission, violating the law. According to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes. Equifax and XXXX are failing to uphold reasonable procedures. Additionally, 12 CFR 1016.7 affirms that a consumer has the right to opt out at any time. I am choosing to opt out of your reporting services.
Company Response:
State: CA
Zip: 92841
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 have been a victim of identity theft. XXXX XXXX XXXX XXXX where I was a patient/client at, their computer system was hacked and my information was stolen.
Company Response:
State: KY
Zip: 400XX
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: THE FOLLOWING INQUIRIES WERE NOT INITIATED BY ME IN WRITING AND BEAR NO PERMISSIBLE PURPOSE. THESE ARE FRAUDULENT, DELETE IMMEDIATELY. XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Other XXXX XXXX XX/XX/2022 Other XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Other XXXX
Company Response:
State: TX
Zip: 75043
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 mailed certified letters to the credit bureaus on XX/XX/23 containing a complaint about the accounts on my credit report along with a copy of my state ID, SSI card and a utility bill. I received a letter from the credit bureaus asking that I provide a copy of my ID, proof of address, and SSI to prove my identity and other said the information was factual.
Company Response:
State: TN
Zip: 38016
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 requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 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 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 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 XXXX XXXX
Company Response:
State: TX
Zip: 78681
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: Old information reappears or never goes away
Consumer Complaint: I appreciate XXXX 's efforts in addressing some fraudulent items in my file resulting from alleged identity theft. However, there are remaining items that require removal. It has come to my attention that XXXX and Equifax are not removing items despite being provided with an FTC fraud report # XXXX. According to Section 605b of the FCRA, you are legally obligated to remove items identified as opened due to identity theft. The disputed items do not belong to me. I have attached the new FTC Report XXXX and identity verification documents. The following items still need removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX
Company Response:
State: NY
Zip: 10452
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: Their investigation did not fix an error on your report
Consumer Complaint: Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A