Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Company Response:
State: NY
Zip: 10009
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: This letter is being sent to you in response to illegal findings and violations found within Claimants account with your company. According to U.S.C 6802 under subsection ( b ) Opt OUT ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, Such option was never discussed with consumer but, consumer 's private information has been shared with several third party companies. Be advised that your claim is being disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act 15 U.S.C 1692, The Fair Credit Billing Act ( FCBA ), and the Truth In Lending Act 15 U.S.C 1601 all of which work in conjunction with each other. It is not now, nor has it ever been my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith with the request for validation and return it to me within thirty ( 30 ) days of receipt of this letter. This is not a request for verification or proof of claimant mailing address but, a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named title and sections. I respectfully request that your offices provide claimant with competent evidence Declaration and proof of claim that Claimant has any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communications. No phone calls to the Claimant. Accounts include : XXXX 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: GA
Zip: XXXXX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.
Company Response:
State: HI
Zip: 96701
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account in collections in the amount of {$420.00} XXXX XXXX XXXX account in amount of {$300.00} All of these accounts are fraudulent and opened illegally because I was a victim of the Equifax data breach. There is a need to insure consumer reporting agencies exercise the responsibilities with fairness and a respect to a consumers right to privacy.
Company Response:
State: NY
Zip: 10462
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: Information belongs to someone else
Consumer Complaint: I am writing to alert you of a fraudulent credit card that has been issued under my name and account without my authorization. This incident was discovered in XX/XX/2023 and has been reported to XXXX, Equifax, and XXXX. I request that this fraudulent activity / card be removed from my credit report. I have never applied for this credit card, never received a card, never activated a card, or used a card from XXXX XXXX. I noticed this card only when the negative reporting hit my credit report in XX/XX/2023. I called the company to inform them that I did not apply for this. They sent me a letter indicating that they could not find my account and terminated/closed the account because of this. I attached the letter from them stating this.
Company Response:
State: TX
Zip: 77578
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: Investigation took more than 30 days
Consumer Complaint: I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Company Response:
State: IL
Zip: 60637
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: XXXX XXXX XXXX does not belong to me
Company Response:
State: GA
Zip: 30014
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: Account was opened fraudulently without my permission! Please remove from credit file immediately. Police report was made and reported!
Company Response:
State: FL
Zip: 33444
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: Credit bureaus is reporting an account ( XXXX XXXX ) that was not opened by me or authorized by me. It is a fraudulent account. I submitted police report and ftc report. Company refuses to remove or block incorrect information.
Company Response:
State: FL
Zip: 33018
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I started this issue with the XXXX back in XX/XX/XXXXXXXX and it still has not been resolved. I am still waiting on the letter from XXXX XXXX as they once again reported me as delinquent but instead of in XX/XX/XXXXXXXX they changed it to XX/XX/XXXX. I have three weeks to move and my and my kids now have no were to go because of this. I have contacted a lawyer, and plan to sue XXXX XXXX as they are unwilling to fix their issue. They have reported illegal information, this card had nothing at all to do with the bankruptcy, nothing at all, I do not understand why it is so hard for them to read. I will try again the XXXX XXXX was filed in XX/XX/XXXX, and discharged in XX/XX/XXXXXXXX if the card was not open in XXXX it could not be included in the bankruptcy, it was illegal of them to closed the account using an old bankruptcy case. And no payments were late, as they refused to take a payment from me in XX/XX/XXXXXXXX this is all XXXX XXXX error. Attached is a new Equifax report showing the delinquency that XXXX XXXX report on XX/XX/XXXX.
Company Response:
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A