Date Received: 2024-01-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to XXXX, Equifax, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not " help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address VIOLATIONS OF CREDITORS & XXXX, EQUIFAX & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report. VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have Records of my proper identification. CREDITORS AND ACCOUNTS TO BE REMOVED : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 4. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 5. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 6. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 7. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 8. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 9. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 10. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely yours, XXXX XXXX
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO OPT OUT OF REPORTING, DISCLOSING AND SHARING CREDIT CARD/ LOAN ACCOUNTS LISTED BELOW TO THIRD PARTY NONAFFILIATED THIRD PARTIES ( XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX ) To : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Equifax, XXXX XXXX et al. From : XXXX XXXX Date : XX/XX/XXXX RE : Notice to Opt Out as per 15 USC 6801- 6805 ; 16 CFR 313.7 ; and the Privacy Act of 1974 5 USC 552a This Notice to Opt Out is to inform Chase and nonaffiliated third parties, that I am now and forever exercising my rights as a federally protected consumer to opt out of having my private financial information i.e. XXXX credit cards ending in XXXX and XXXX disclosed, reported and shared with XXXX, Equifax and XXXX XXXX XXXX al. Any consent whether verbal, non-verbal, written that XXXX, XXXX, Equifax, XXXX XXXX assumed existed never existed. In addition, as a consumer, my rights were intentionally violated by XXXX and the nonaffiliated third parties ( XXXX, Equifax, XXXX XXXX XXXX al ) as I was never provided with any conspicuous notice whether in electronic or paper format informing me of the right to opt out of any disclosures. I am also stating for the record that this is not the first time, I have exercised my rights by requesting that XXXX and the nonaffiliate third parties cease and desist from reporting my non-public personal information. Therefore, by law the XXXX credit card accounts ending in XXXX and XXXX must be immediately removed from the files of the nonaffiliated third parties XXXX, Equifax and XXXX XXXX within 48 business hours. In addition, this correspondence and the prior correspondence will be entered into Court as evidence and used as a basis to seek enforcement, remedy and compensation for damages as I have repeatedly requested that my privacy not be violated by reporting, sharing and disclosing my confidential financial information without my written consent. This notice is also being filed with the Consumer Financial Protection Bureau because as 15 USC 6805 provides : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection. According to 15 USC 6801 ( a ), a financial institution such as XXXX has the continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. This clearly did not happen in my case as XXXX without my knowledge and consent shared, reported and disclosed my confidential account numbers to various non-affiliates including but not limited to XXXX, Equifax, and XXXX XXXX. According to 15 USC 6802 ( a ) Notice Requirements : a financial institution may not disclose a consumers nonpublic personal information to a nonaffiliated third party unless notice is given. In ( 1 ) ( A ) ( B ) ( C ) : the financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form that the consumer has the right to exercise the nondisclosure option. XXXX never provided any notice explaining that I have the right to opt out but as the law provides me with this option I am exercising it anyway. The law in 15 USC 6803 clearly states that I have the right to be notified of my right to opt out at the start of the relationship with the financial institution and not less than annually. XXXX never complied with this. According to 16 CFR 313.7 ( a ) Form of opt out notice to consumers ; opt out methods. 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( 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. Furthermore 16 313.7 ( e ) under Time to comply with opt out states You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it and ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. By not complying with the requirement to provide notices of disclosure and the right to opt out, XXXX has engaged in Unfair and Deceptive Practices. XXXX is thus obligated to comply with my notice to opt out by immediately ( within 48 hours ) removing the accounts ending in XXXX and XXXX from the files of the nonaffiliated third-party agencies XXXX, Equifax and XXXX XXXX XXXX XXXX, and these nonaffiliated third parties are civilly liable for conspiring to violate my rights by not informing me of my rights to opt out.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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 this account. I have no knowledge of obtaining any of the accounts listed here.
Company Response:
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Company Response:
State: TX
Zip: 75702
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After I filed a complaint with you they continue to report it late, they are still reporting it late, I now have XXXX negative reports for XXXX payment that wasn't late
Company Response:
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account has caused me significant distress, to XXXX XXXX where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Company Response:
State: TX
Zip: 78238
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found inquiries that dont belong to me
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A