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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33157
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 am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts to remove fraudulent items from my credit report maintained by Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing significant distress and impacting my financial well-being. I discovered unauthorized and fraudulent items on my credit report, raising concerns about potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted detailed dispute letters, and provided all necessary supporting documentation to facilitate the removal of the fraudulent entries. Regrettably, despite my continued efforts, these unauthorized items remain on my credit report, tarnishing my credit history and hindering my financial stability. Enclosed with this letter, you will find a comprehensive timeline outlining each attempt made to address this issue, including reference numbers and specifics of each communication. I urge you to thoroughly review this information and take immediate action to rectify the situation. The prolonged presence of fraudulent items on my credit report is not only causing financial harm but also creating undue stress and anxiety. As a responsible consumer, I expected a more expedited and effective response from your agency to correct these inaccuracies promptly. I urgently request that your agency conducts a thorough and expeditious investigation into the matter, removes the fraudulent items from my credit report, and provides written confirmation of the corrections made. Additionally, I seek clear communication on the progress of the investigation and the steps being taken to resolve this issue. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and explore legal avenues to protect my consumer rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXXXXXX XXXXXXXX XXXX Balance Owed : {$6300.00}.
Company Response:
State: AR
Zip: 72019
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 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: LA
Zip: 70817
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Company Response:
State: IN
Zip: 46234
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: XXXX XXXX XXXX XXXX XXXX XX/XX/2024 To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) XXXX. ( XXXX XXXX XXXX XXXX XXXX # XXXX ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) XXXX. ( XXXX XXXX XXXX XXXX # XXXX ), Delete this account immediately because of 15 USC 1681s-2 ( a ) & amp ; ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & amp ; ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated report. Thank you,
Company Response:
State: MA
Zip: 01104
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: Equifax received FTC Identity Theft report and a Police Identity Theft report in XX/XX/XXXX. It is now XXXX & I'm still having to dispute with Equifax about the same Inquiries put in my credit file by the XXXX XXXX employees who say they're XXXX ( XXXX ). They also received a request for the Extended Fraud Alert & I provided them a copy of a Utility Bill, State Identification Card & a copy of my Social Security Card. They refused my request as they granted the thief to keep adding false information & fraudulent accounts to my Equifax Credit File & report. I am a Victim of Identity Theft by thieves who added a CREDIT CARD account as XXXX. This is being reported by XXXX XXXX as they added the XXXX Credit Card to appear as ONE ACCOUNT. I've constantly disputed this account but Equifax keeps denying the account is FRAUD. Equifax has known this since XX/XX/XXXX when they sent me a credit alert that I had NEW ACCOUNTS opened in my name & added to my credit file and report. Equifax REMOVED the XXXX XXXX from my credit report but keeps the Inquiry that allowed the thief who added the XXXX account without my knowledge. Equifax also has allowed the thief to add another inquiry to my account as XXXX on XX/XX/XXXX which is FALSE. I do not acknowledge this inquiry. Equifax will be held accountable for allowing this to continue with my attorneys in court. Both XX/XX/XXXX & XXXX Inquires are linked to a Fraudulent account that's been disputed for the last 5 Months. The scammer reported a STORE CARD as a CREDIT CARD to harm my credit. I had Credit Monitoring with Equifax in place. I did NOT receive a Credit Alert for XX/XX/XXXX. I received credit alerts for XX/XX/XXXX & XX/XX/XXXX and each of those NEW ACCOUNTS are FRAUD. The scammer also responds with a XXXX letter constantly removing & adding FALSE information. There is never a SIGNATURE OR NAME that is provided on the response. There is a number but it is NOT A DIRECT NUMBER to speak with anyone. I've spoken to XXXX dozens of time & they do NOT acknowledge me as a customer nor do they have any information in their system that declares this account is a Credit Card nor does the card belong to them. I received a copy of a XXXX XXXX application ( through disputes in CFPB ) that's NOT in my name & doesn't have my signature. XXXX or XXXX is on the application so this is fraud. REMOVE THE XX/XX/XXXX INQUIRY XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX REMOVE THE XX/XX/XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXXWhoever reports these account are the scammers who've used my personal information to add false accounts, dates of opened & closed accounts without my knowledge or consent. Equifax is the ONLY Credit Bureau who refuses to remove the fraud inquiries. They've removed the account in XXXX when they received the Identity Theft Reports BUT Refuses to REMOVE the Inquiries that belong to the fraudulent accounts. The scammer should've been BLOCK from my credit file and reports but Equifax continued to let them gain access putting more harmful info on my credit file. I've been a victim since last year when I started disputing these accounts. I didn't become a victim recently as Equifax responds in their responses recently. REMOVE THESE INQUIRIES BECAUSE I WILL SEE YOU IN COURT.
Company Response:
State: IL
Zip: 600XX
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: " 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 consumer 's 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 Consumer 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 168IC ( 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc 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: IA
Zip: 50310
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: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Company Response:
State: FL
Zip: 34714
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: Account status incorrect
Consumer Complaint: This is XXXX 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: MD
Zip: 207XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A