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 do not recognize these credit inquiries. I have asked the credit bureaus to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.
Company Response:
State: CA
Zip: 92223
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.
Company Response:
State: FL
Zip: 33133
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please see attached file
Company Response:
State: FL
Zip: 33071
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 have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Company Response:
State: FL
Zip: 33314
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: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: About XX/XX/2024 I got alerts from XXXX XXXX about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company XXXX XXXX nor was I notified of data breach. Since I have been made aware all payments have been posted. XXXX XXXX did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Company Response:
State: CA
Zip: 90262
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: 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. Account name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NY
Zip: 11710
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: Incorrect information on your report
Subissue: Information belongs to someone else
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. has violated my rights. Or a list of inquiries : 15 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: GA
Zip: 30315
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX Subject : Request to Remove Inaccurate Late Payments from Credit Report Dear equifax I hope this letter finds you well. I am writing to raise a serious concern regarding the inclusion of inaccurate late payments on my credit report. It has come to my attention that XXXX has erroneously reported late payments on my account, which is a clear violation of the laws and regulations governing credit reporting. First and foremost, I would like to bring your attention to the Fair Credit Reporting Act ( FCRA ), which is a federal law designed to protect consumers ' rights and ensure fair and accurate credit reporting. Under the FCRA, Section 623 ( a ) ( 2 ), consumers have the right to dispute any inaccurate information contained within their credit report. In the case of late payments reported by equifax, I must express my strong belief that these entries are not a reflection of my credit history. Upon thorough examination of my payment records, I have found no instances of late payments during the period indicated by equifax. Therefore, I assert that by reporting such inaccurate information, equifax is in violation of the FCRA. Furthermore, I would like to draw your attention to the Fair and Accurate Credit Transactions Act ( FACTA ). Under FACTA, Section 605B ( b ), creditors are mandated to provide accurate and complete information to credit reporting agencies, ensuring the fairness and integrity of credit reports. By falsely reporting late payments, equifax is violating this critical provision of FACTA, which undermines the trust and reliability of credit reporting. In light of the FCRA and FACTA violations committed by equifax, I kindly request your urgent assistance in rectifying this matter. I am enclosing supporting documentation comprising bank statements, payment receipts, and any written correspondence with XXXX during the disputed period. These records substantiate my claim that I have consistently maintained a timely payment history on my account. I request that you take this evidence into careful consideration during your investigation and subsequent rectification process. As a responsible consumer, it is my duty to ensure the accuracy of my credit report. Therefore, I once again emphasize my request to have the inaccurate late payments promptly removed from my credit report, as mandated by the FCRA and FACTA. I further request that you provide me with written confirmation once the necessary corrections have been made. Lastly, I would like to be informed of the steps you will take to address Equifax 's unlawful actions. It is imperative that appropriate action be taken against equifax for their violation of federal laws and to prevent the recurrence of such unjust reporting practices in the future. I greatly appreciate your attention to this matter and your commitment to upholding the principles of fair credit reporting. Please do not hesitate to reach out to me at XXXX or via email at XXXX if you require any additional information or if I can assist you in any way. Thank you for your prompt and thorough investigation into this dispute. I eagerly anticipate a swift resolution and the removal of inaccurate late payments from my credit report. Sincerely, XXXX late payments XXXX remove open date XXXX XXXX XXXX XXXX apr XXXX XXXX late payment remove XXXX XXXX XXXX open XXXX XXXX late payment remove XXXX XXXX XXXX XXXX XXXX late payment remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove account Also inquiries : 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: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: PLEASE I'M BEGGING YOU TO REMOVE THE INTERNAL LOCK TO MY CREDIT REPORT BECAUSE OF THAT I CAN'T ACCESS MY CREDIT REPORT.
Company Response:
State: IN
Zip: 46410
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: 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. has violated my rights. Or a list of inquiries : 15 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A