Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Company Response:
State: GA
Zip: 30274
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response:
State: SC
Zip: 29681
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: I pulled my credit report and trying to see where in the process will I be for buying a house and I saw a lot of items that are not mine. I called all creditors and tried to get information and some I told them that these accounts are invalid due to fraud but they still did nothing and some I was unable to speak with. I am a victim of identity theft and have been since XXXX of XXXX. Someone gained my information due to me losing my purse and they took all my information such as ID Credit cards and Social. I have been trying to get this back right, but I have run out of options.
Company Response:
State: GA
Zip: 30087
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I previously disputed this account XXXX XXXX XXXX XXXX debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern Im reaching out to you to get some type of resolution for my XXXX XXXX by XXXX XXXX. I have been dealing with this issue for over 2 years and I hope you can assist. During the XXXX pandemic I received notification from several credit card companies including XXXX XXXX XXXX assist users affected by the crisis and how they were there to assist. I had the card for a year or so with on time payment history. I reached out to XXXX XXXX around XX/XX/XXXX to obtain assistance from the said company above. I explained to them that I was not able to make my monthly payment that month due to reduction of hours and wanted to be placed on the program that will prevent me from going 30 days past due. My credit is one of my top priorities, so I wanted to be proactive with this beforehand. I spoke with a representative who advised they could assist and to make sure I dont go into delinquency. To my surprise I get an alert that my credit scored dropped. When I checked the alert, it was due to a miss payment from XXXX XXXX. I immediately called XXXX XXXX to explain to them that I was placed on a program for customers effected by covid. I was told that they would need to find and listen to the phone call and would be contacted under pending investigation. A few months later at the end of XXXX I was told they would refund the interest and that credit reporting would be updated with all 3 bureaus. Since XXXX this has not been done and it still shows a late payment for both XXXX and XX/XX/XXXX. I have called into XXXX XXXX several times the last two years to get this resolved and Ive been getting the run around every single time. I asked them where the recording is so you can hear the discussion and was told its only for internal used. I have called several times to explain whats been going on and Ive been hung up on, kept on hold, or being told to dispute it with the credit agencies. I explained to them to look at my payment history and that I never missed a payment until the rep gave told me which I now found out was the wrong information. Ive tried to speak with the XXXX XXXX department and financial services regarding this matter. The representative gave me incorrect information that negatively impacted my credit. This is negligent and unfair as a consumer and the consequence is my credit history being dropped due to this. I asked a supervisor what happens if the rep gives out wrong information to a consumer that could damage their credit and was told it was nothing, they can do about that. Im reaching out in hopes that you can assist with me getting the incorrect information removed. Thank you so much.
Company Response:
State: FL
Zip: 33647
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 recently checked my credit report and saw reporting that I do not recognize.
Company Response:
State: PA
Zip: 19150
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: Personal information incorrect
Consumer Complaint: Can you update my address and name on my credit profile.
Company Response:
State: CT
Zip: 064XX
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: Although I appreciate your efforts to correct certain errors in my credit reports, one account still has to be fixed. The XXXX and XXXX Credit Bureaus are required to verify this account ( A ) by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This disputed account has to be corrected. XXXX XXXX XXXX XXXX : {$0.00}.
Company Response:
State: CA
Zip: 94087
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: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist 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 Balance : {$2000.00} US DEPT ED XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75048
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A