Date Received: 2024-01-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXXXXXX took it upon themselves to change my mailing address to the lawfirm that represents this classaction I never gave them ( XXXX XXXX ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all three of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all three credit bureaus.
Company Response:
State: CA
Zip: 92557
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: I have written to you several times to update my personal information. According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting organizations carry out their grave obligations with justice, impartiality, and respect for the customer 's right to privacy. I demand that all personally identifying information be removed from my consumer credit report. According to the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting my rights is a direct violation of 15 USC 1681 and its subsections.
Company Response:
State: FL
Zip: 33607
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: Dear CFPB, I would like to file a complaint agent Equifax, XXXX and XXXX for violation of my consumer rights. These agencies are violating my rights under the Privacy Act of 1974, FERPA, and other laws that protect my consumer rights. Im being violated on purpose! Per the FCRA as a federally protected consumer I have requested to opt out any and all authorizations that may have been given either verbal or non-verbal written or otherwise expressed per 15 USC 6802, Obligations with respect to disclosures of personal information. this Title it is outlined that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. These companies listed in this letter state they do not disclose information to third parties of which they wrongfully lied and have violated my rights as a consumer. The proof is the information found in my consumer credit reports. 15 USC 1681 ( 2 ) states, In accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency must have my written consent. I have never provided them written consent and when I requested they produce this information it was not furnished as it was never given. This is no my third attempt seeking remedy and enforcement of my consumer rights. I have reported to all the agencies my correct information including verifying my identify, and unfortunately they still are reporting inaccurate information. The only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All other addresses listed are non-mailable addresses. These agencies and companies are also violating my consumer rights protected under the FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) in which the federal law protects the privacy of my student education records. This is also in accordance to violations of my rights under 15 USC 1666 ( a ) and ( b ) Regulation of credit reports and Timing of payments. Under these section it states that a creditor can not directly or indirectly threaten to report or take any adverse action, it also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These agencies have also failed to safety secure my personal information. Each agency has confirmed that my information was subjected to theft due to their data breach within their systems. They failed to protect PI and have yet to offer a remedy. Im requesting that my credit report be reflected correctly within all Agencies and again be investigated thoroughly and correctly. A. Address as mentioned above is the only mailable address. The addresses below are not mailable Not Mailable address that are inaccurately reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX B. Dept of ED/XXXX- this reporting is a violation of the FERPA ACT and Privacy Act of 1974 This should be updated as paid as agreed. C. XXXX XXXX XXXX and - XXXX XXXX XXXX -In violation of 15 USC 1681 ( 2 ) and the Privacy Act and 15 USC 1666 ( a ) and ( b ) D. Hard Inquiries- There are 4 inquiries on my report of which should not be there and are unauthorized. I did not acquire any goods, services or property from these companies E. Incorrect Names are not removed from the credit report despite sending my verifying information. a. The following names should be removed as my Name is 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 name is incorrect, the correct name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX is wrong XXXX. XXXX XXXX is wrong, I did not approve of this and dont recognize this information its inaccurate. G. Dispute for XXXX XXXX XXXX they say they disagree yet are willfully violating my consumer rights. The Agencies did not due their full due diligence to hold them or themselves accountable under the investigation. They are in violation of Privacy Act and 15 USC 1666 ( a ) and ( b ) H. XXXX should be paid as agreed Please see attached report as they are reporting violating my consumer rights.
Company Response:
State: TX
Zip: 76063
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: In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies, such as Equifax, XXXX, and XXXX, exercise their significant responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. Referring to 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. To this effect, neither the financial institution, as defined in 15 USC 6802, nor the consumer reporting agencies, Equifax, XXXX, XXXX, etc., possess my consent, whether explicit or implied, to disclose my information. All forms of consent, be they verbal, non-verbal, written, implied, or otherwise, are hereby revoked. Moreover, in compliance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how to exercise the nondisclosure option. In this instance, I was never informed of my right to exercise such an option. Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. This decision is made in light of the aforementioned legal provisions and the failure of the financial institution and consumer reporting agencies to uphold the necessary procedures and disclosures as mandated by applicable laws.
Company Response:
State: MT
Zip: 59714
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: today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXX took it upon themselves to changew my mailing address to the lawfirm that represents this classaction I never gave them ( XXXX XXXX ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all XXXX of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all XXXX credit bureaus.
Company Response:
State: CA
Zip: 92557
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.
Company Response:
State: FL
Zip: 33162
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 am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: PA
Zip: 19082
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: On multiple occasions Ive tried to accurately report the correct information as well has have the companies take responsibility to have themselves report and to update current and reliable information. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. My student loan are to be considered paid in full but not removed from my report as I would like to have a positive credit score. I do know and understand that by law we have the right to opt out of certain information as well as to be notified weekly and monthly on the terms and conditions of our credit reports. I would like to also like to get my actual credit file not just my credit report. 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 1681s-2 ( 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 168le 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 12 CFR 1016.7 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: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2024-01-12
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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : 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 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 However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: NJ
Zip: 08002
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: Account status incorrect
Consumer Complaint: This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Company Response:
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A