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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$3500.00} ; DEPT OF EDXXXX XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; US BKPT CT GA XXXX Bankruptcy XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX ; U.S. Bankruptcy Court XXXX XXXX bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Company Response:
State: MS
Zip: 39180
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. XXXX XXXX - XX/XX/2023
Company Response:
State: GA
Zip: 30315
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: I let the company know that Im the XXXX XXXX XXXX XXXX XXXX and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.
Company Response:
State: SC
Zip: 296XX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33169
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NY
Zip: 11207
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: 2024-01-10
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 being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN XXXX DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please UPDATE this late payment in the Credit Report or I will seek LEGAL OPTIONS against your AGENCY in favor of my FCRA. 6. This account was CLOSED. XXXX Account Number : XXXX Please remove it from my credit report. 7. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. XXXX Account Number : XXXX If can not be supported with documentation, this account must be removed from my credit profile. 8. 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 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. 9. 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 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. 10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX 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. 15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. Thank you, XXXX XXXX
Company Response:
State: MD
Zip: 20772
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Request for Removal of Information and Resolution of Privacy Violations XX/XX/2023 XXXX, Equifax XXXX XXXX To Whom It May Concern : I am writing to bring to your attention certain privacy violations and request the immediate removal of specific information from my credit report. I believe these actions are in violation of relevant federal laws, and I am pursuing formal resolution through the appropriate channels. I have identified the following entries on my credit report that require your immediate attention : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX The inclusion of the Department of Education/XXXX XXXX XXXX is a direct violation of The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), as it pertains to the privacy of student education records. Additionally, the disclosure of nonpublic personal information without proper notice and consent is in violation of various sections of the United States Code, including 15 U.S. Code 6801, 6802, and 6805. Please UPDATE the student loan accounts to PAID AS AGREED. DO NOT REMOVE. I am opting out of any and all authorizations, whether written, unwritten, verbal, or nonverbal, per 15 USC 6802, as a Federally Protected Consumer under the Fair Credit Reporting Act. I have used 16 CFR 313.7 as a reference to opt-out as well. Please remove any late payments from my credit as well. According to 16 CFR 444.4, it is an unfair act or practice within the meaning of section 5 of that Act for a creditor, directly or indirectly, to levy or collect any delinquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period when the only delinquency is attributable to late fees or delinquency charges assessed on earlier installments. Furthermore, I am requesting the removal of all hard and soft inquiries from my credit report in accordance with 15 U.S. Code 1681b, as there has been no explicit written instruction for such inquiries. Regarding promotional inquiries, I have identified the following entities : XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect immediate action to address these promotional inquiries, as outlined by the relevant legal provisions, with each violation incurring a penalty of {$1000.00}. In accordance with 5 U.S.C. 552a ( g ) ( 1 ) ( C ), I may pursue legal action for any failure to maintain accurate, relevant, timely, and complete records that result in adverse determinations. If it is determined that the agency acted intentionally or willfully, I may seek damages in accordance with the mentioned statute. Please provide instructions on where I should send my invoice for the promotional inquiries, as each violation incurs a {$1000.00} penalty, as per the aforementioned legal provision. I look forward to your prompt attention to this matter and the resolution of these privacy violations. Your cooperation in this regard is greatly appreciated. Sincerely, XXXX XXXX.
Company Response:
State: GA
Zip: 30032
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: 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: PA
Zip: 19149
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 331XX
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: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my DataX consumer credit report sent to me via mail
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A