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: By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33141
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: When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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: 79936
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/XXXX I reviewed my consumer report and noticed an adverse item being furnished by XXXX XXXX for an alleged debt owed in the amount of {$1100.00}. As of XX/XX/XXXXXXXX XXXX XXXX had been notified of ; the misleading, inaccurate information, my right to refuse to pay such alleged debt and to cease all further communication conveying the inaccurate information. This included but not limited to ; telephone calls, emails or any furnishing of information to the consumer reporting agencies. XXXX XXXX can not furnish this alleged debt to a consumer reporting agency before first contacting the consumer. I Never received any initial notice and communication or ANY correspondence or communication in regards to such alleged debt. pursuant to sections 814 ( d ) and 817 of the Fair Debt Collection Practices Act ( FDCPA or Act ), 15 U.S.C. 1692l ( d ), 1692o ; title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Pursuant to 1006.38 XXXX XXXX must cease collection of the debt until XXXX XXXX sends a copy of verification of the debt or of a judgment to the consumer in writing or electronically in the manner required by 1006.42 ; XXXX XXXX is a furnisher under the Fair Credit Reporting Act. by law at the time of XXXX XXXX being notified at the address specified in Exhibit ( ) of the inaccurate information they are furnishing, XXXX XXXX shall have cease the furnishing of any information to the consumer reporting agency Pursuant to 15 USC 1681S-2 ( a ) ( 1 ) ( ( B ) ( i ). It has been well over 30 days and XXXX XXXX has failed to comply and respond to such notice and correspondence. XXXX XXXX has failed to XXXX XXXX has strict liability and must comply with all statutes and regulations set forth. Negligence of the law is no excuse. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, XXXX XXXX can and will be held Civil liability due to Non-compliance. ( 15 usc 1692k ( c ) XXXX Midland Funding, LLC XXXX XXXX 137 S. Ct. 1407 ( 2017 ) XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77373
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: I just noticed XXXX XXXX card services on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with XXXX ever. Partial account XXXX XXXX from my credit report XXXXXXXX XXXX
Company Response:
State: CA
Zip: 94941
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: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: FL
Zip: XXXXX
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: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: NY
Zip: 11208
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. 15 U.S. Code 1635(b) Return of money or property following rescission - Right of rescission as to certain transactions XXXX Account Number: XXXX 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. 15 U.S. Code 1635(b) Return of money or property following rescission - Right of rescission as to certain transactions XXXX Account Number: XXXX 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. 3. 15 U.S. Code 1692g(b)Disputed debts - Validation of debts XXXX Account Number: XXXX 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. 4. Under 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i (5) this account in violation not reporting 100 accurate XXXX XXXX Account Number: XXXX Please remove it from my credit report. 5. 15 U.S. Code 1692g(b)Disputed debts - Validation of debts XXXX XXXX XXXX IXXXX Account Number: XXXX 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. 6. The following personal information is incorrect Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX 7. The following personal information is incorrect Previous Address(es): XXXX XXXX XXXX XXXX WASHINGTON, DC 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, RICO, SSCRA, 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 CC:XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC: Law Firm XXXX XXXX XXXX XXXX XXXX CC: Consumer Financial Protection Bureau via fax XXXX XXXX CC: Attorney Generals Office CC: XXXX XXXX XXXX CC: State Senate CC: Federal Deposit Insurance Corporation CC: Comptroller Of The Currency CC: Federal Reserve System CC: Credit and insurance CC: Federal Trade Commission CC: State Regulatory agency
Company Response:
State: MD
Zip: 20721
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: I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Company Response:
State: IL
Zip: 60615
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: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: NY
Zip: 10473
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: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A