Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance with the written instructions of the consumer to whom it relates. I the natural person have been suffering for years by being denied open-ended credit, and car loans for the enjoyment of my family. Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states it's illegal to report transaction history. Title 12 Also states anything dealing with a securities is an automatic Federal Court Case. 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or
Company Response:
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed some unauthorized inquires on my Equifax consumer file report. I tried to call and write them regarding this. they have not responded and refuse to remove these over the phone after I verified myself and explained I did not authorize these inquires : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax data 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 nothing. Please help me delete these illegal accounts from my credit reports. Thank you
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As the consumer, whom XXXX XXXX ; XXXX XXXX XXXX greatly benefited from because they securitized my auto contract unbeknownst to me, I have also experienced the horrors, mental and emotional frustration, as well as the embarrassment, pain, and sheer frustration of having my rights consistently violated under The Fair Credit Reporting Act. 15 U.S.C. 1681 et seq. protects my personal financial information collected by consumer reporting agencies, limiting those who can access such information, and the process by which consumers should be able to obtain and correct the information collected about themselves. Also, XXXX 's implementing Regulation V, 12 C.F.R. pt. 1022 ( known as the Furnisher Rule ) and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ). Creditor account name inconsistencies have been misrepresenting and misleading in appearance presenting the false perception, that I have defaulted on two car installment loans around the same period. This has hindered and prevented me from obtaining reasonable, good faith from creditors to finance the necessary transportation needed, since I completed the settlement payment on XX/XX/XXXX, due to the inconsistent creditor account names reported accurately across all reporting bureaus. ( XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX, Equifax - XXXX XXXX XXXX ) The account status of the charge-off is inaccurate due to me and the co-signer receiving a 1099C to file. The settlement payment, which was reported and filed as income, was made on XX/XX/XXXX. I requested through the 'collection agency company to have the status updated to paid, if not able to delete the reporting of the income. They stated that it was not up to them, and XXXX had to not only agree to the payment amount, but they would advise them on if the collection agency could make my request of delete the account, or paid status. XXXX XXXX XXXX has since added, or as they would like to believe, 'updated ', the information that they have been consistently and inaccurately reporting for just shy of 2 years on the XXXX of this month. Not to mention the most recent opportunities to make all required changes, even dating back from XX/XX/XXXX, when the CFPB announced their findings and penalized XXXX XXXX for, " repeatedly provided inaccurate credit report information about consumer payments on loans and leases that XXXX purchased and serviced. In many cases, XXXX knew it was providing inaccurate information and failed to take reasonable measures to address the inaccuracies. XXXX identified many of the issues causing these inaccuracies in its internal audits, but still took years to address the problems. '' - CFPB XXXX XXXX - XX/XX/XXXX. Delinquency first reported inconsistencies and inaccuracies are, ( XXXX - XX/XX/XXXX, Equifax - XX/XX/XXXX, XXXX - No Date Listed ). Late payment reported inconsistencies and inaccuracies are, ( XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Account balance inconsistencies and inaccuracies are, ( XXXX- {$3400.00}, XXXX- {$7200.00}, Equifax - No balance showing ). Last reporting date inconsistencies and inaccuracies are, ( XXXX - XX/XX/XXXX, XXXX - No Date Listed, Equifax - XX/XX/XXXX ). Also, what responsibilities and most importantly, accountability do the credit reporting agencies, XXXX, XXXX, and Equifax, play in the consumers right to fair, consistent, and accurate reporting, having known how long this was going on. What controls or assessments, as agencies responsible for compiling and recording this information, are being implemented to ensure furnishers are providing the best and most accurate information?
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have made several attempts to reach XXXX but they only have contact options through email. I have a different number and can not sign into account The app is set up for you to pay XXXX & XXXX dollars a month to help build credit it says its a loan but there is no loan only my payments into a account that after a year I get returned I have. All the payments I made on file from my bank account XXXX up until my car and belongings were stolen in XX/XX/year>. After which a few months go by and my credit score dropped by over XXXX pts for default on payments. I never received any money nor do I owe them I in fact am owed the money I paid into my account but can not access due to not having the same phone number and the email they send to verify yourself has a XXXX min window after which you have to contact them again the response has always been days later and no resolution. My credit went from XXXX to below XXXX
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 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: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been reporting Date Of Last Activity incorrectly/differently on my XXXX and Equifax report which is in violation of the FCRA reporting compliance guidelines. Also when I disputed these inaccuracies in XXXX of XXXX with the credit bureaus the referenced companies went in and updated my Date Of Last Activity to XX/XX/ when the date of last activity on the referenced accounts were initially different which is also a violation. Credit bureaus continue to say these accounts are verified as accurate when they clearly are not.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Double Reporting by XXXX has reported a debt account number XXXX of {$550.00} on XX/XX/XXXX and has reported this debt for XXXX & XXXX and it as being closed on Equifax and XXXX on XXXX & XXXX XXXX report date XXXX XXXX as of XX/XX/XXXX they still have been duely reporting this dept And this same debt was simultaneously being reported by XXXX XXXX XXXX last reported on XX/XX/XXXX these XXXX reporting companies have discrepancies all over they accounts from closed to open and past due at from either {$0.00} to {$550.00} So I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then again on XX/XX/XXXX All while on all three XXXX XXXX XXXX reported this same Debt XX/XX/XXXX as opened to some and closed on others CRAs which is in violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act
Company Response:
State: CT
Zip: 06106
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 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: 20032
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the XXXX reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A