Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax 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 the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Company Response:
State: CA
Zip: 90706
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: Information belongs to someone else
Consumer Complaint: There r names on my credit report. XXXX my address says Georgia. Please help take that offf as it is not my address. Also on XXXX it has my name as XXXX XXXX please take off and my birthday is XX/XX/XXXX not XX/XX/XXXX. And on Equifax the address are wrong. Iowa I never lived in, XXXX XXXX XXXX XXXX Nebraska, XXXX XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX please take off. I have filed a data breech settlement report with equifax and need help to protect my identity. I had fraud which caused me to close debit card and XXXX dollar loss and had XXXX usd lost in XXXX account compromised loss and XXXX ; XXXX in remitely transfer loss scammed. I also ask compensation for losses and for time spent for days if calling XXXX and my bank account having to be closed 3 times in XX/XX/2023 and over XXXX hours with time spent due to the data breech from equifax and fraud. It also caused me to not have a credit report score and I was denied a cc. Thanks
Company Response:
State: NE
Zip: 688XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: CA
Zip: 92410
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 was looking at my report and notice that were some things that was not correct. I sent a letter to Equifax on XX/XX/2024 here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is dipsuted by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Company Response:
State: TX
Zip: 77034
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: I the consumer am writing to dispute the following information that appears on my consumer report due to inaccuracies from credit reporting agencies Equifax, XXXX and XXXX. According to The Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) 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. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. I have the right to make sure my private information is correct and accurate. Please see accounts below : Dispute XXXX : XXXX XXXX XXXX XXXX Account # XXXX - INACCURATE REPORTING On Equifax the last payment made reports on XX/XX/XXXX but payment history reflects last paid on time payment was in XX/XX/XXXX with Term Duration listed as XXXX and account date closed is blank. XXXX indicates last payment was made on XXXX/XXXX/XXXX but payment history reflects last paid on time payment was in XX/XX/XXXX with Term Duration listed for XXXX months, account date closed on XX/XX/XXXX. XXXX indicates blank on last payment but payment history reflects XX/XX/XXXX with Term Duration listed for XXXX months with no account closed date listed.. Dispute XXXX : XXXX XXXX XXXX XXXX Account # XXXX - INACCURATE REPORTING On Equifax the last payment made, reports on XX/XX/XXXX but the payment history reflects last paid on time in XX/XX/XXXX, with a term duration listed as XXXX and no closed date listed. XXXX reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was made in XX/XX/XXXX with a Term Duration of XXXX months with an account closed date of XX/XX/XXXX. XXXX reports blank on last payment but payment history reflects XX/XX/XXXX with Term Duration listed as XXXX months with no account closed date listed. Dispute XXXX : XXXX XXXX XXXX Account # XXXX -INACCURATE REPORTING Equifax reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was in XX/XX/XXXX with no closed date listed.XXXX reports last payment made was XX/XX/XXXX but payment history reflects last paid on time payment was XX/XX/XXXX with an account closed date of XX/XX/XXXX. XXXX reports a payment of {$0.00} on XX/XX/XXXX and also {$50.00} on XX/XX/XXXX payment date but payment history reflects last paid on time payment was XX/XX/XXXX with no account closed date listed. Dispute XXXX : XXXX XXXX XXXX - INACCURATE REPORTING Equifax reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was on XX/XX/XXXX with no closed account date listed. XXXX reports last payment date was made on XX/XX/XXXX but payment history reflects last paid on time payment was made in XX/XX/XXXX with an account closed date of XX/XX/XXXX. XXXX reports last payment was made on XX/XX/XXXX for {$6.00} but payment history reflects last paid on time payment was made in XX/XX/XXXX with no closed account date listed. Dispute XXXX : XXXX XXXX - INACCURATE REPORTING Equifax reports last payment was made on XX/XX/XXXX with no account closed date listed. XXXX reports last payment XX/XX/XXXX with an account closed date off XX/XX/XXXX. XXXX reports last payment history paid on time was made on XX/XX/XXXX with no account closed date listed. Dispute XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX - INACCURATE REPORTING Equifax reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was made on XX/XX/XXXX with a closed date of XX/XX/XXXX. XXXX reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was made in XX/XX/XXXX with an account closed date of XX/XX/XXXX. XXXX reports last payment of {$56.00} on XX/XX/XXXX and {$0.00} on XX/XX/XXXX but payment history reflects last payment made on time was made on XX/XX/XXXX with no account closed date listed. Dispute XXXX : XXXX XXXX - INACCURATE REPORTING Equifax reports last payment was made on XX/XX/XXXX but payment history reflects last payment paid on time was in XX/XX/XXXX with no account closed date listed. XXXX reports last payment was made on XX/XX/XXXX but payment history reflects last paid on time payment was XX/XX/XXXX with a closed account date listed as XX/XX/XXXX. XXXX reports last payment was made on XX/XX/XXXX for {$52.00}, {$100.00} on XX/XX/XXXX and {$0.00} on XX/XX/XXXX but payment history reflects last current payment was made on XX/XX/XXXX with no account closed date listed. 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, XXXX, XXXX are not maintaining reasonable procedures. In accordance to The Fair Credit Reporting Act and The Privacy Act of 1974 5 U.S.C. 552a as my rights have been violated
Company Response:
State: GA
Zip: 303XX
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: 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 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: 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: Reporting company used your report improperly
Consumer Complaint: YOU ARE IN VIOLATION, Per the FCRA AS A FEDERALLY PROTECTE DCONSUMER I AM NOT OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL, KNOWN AND UNKNOWN 15 USC 6802.THE FOLLOWING COMPANIES HAVE ACCESSED MY CREDIT REPORT WITHOUT ANY PERMISSABLE PURPOSE AND EQUIFAX HAS FAILED TO PROVIDE ME MY DISCLOSURE TO OPT OUT OF UNAUTHORIZED REPORTING. YOU DO NOT HAVE MY WRITTEN CONSENT TO REPORT THIS INFORMATION. PLEASE UPDATE MY CREDIT REPORT IMMEDIATELY, YOU CAN NOT VIOLATE ME FOR OPTING OUT AND I CAN SUE FOR {$1000.00} PER VIOLATION.
Company Response:
State: GA
Zip: XXXXX
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: Personal information incorrect
Consumer Complaint: I am not associated with any of the address on my report only one is correct
Company Response:
State: FL
Zip: 33023
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: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: All three major credit bureaus Equifax, XXXX XXXX and XXXX solicit paying for account services including credit monitoring or offer unsolicited products including checking accounts and credit cards that promote fixing my credit. Is this not an obvious conflict of interest? How can a supposedly unbiased 3rd party that controls if I'm able to buy a car, buy a house or even feed my family solicit me for services to pay them to fix my credit that they report on and that all credit providers use to judge my credit worthiness?
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A