Date Received: 2024-01-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance
Company Response:
State: AL
Zip: 36832
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00}
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Based on a letter I received from XXXX dated XXXX, my loan account was transferred to XXXX effective XXXX. I received a letter from XXXX dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXX Acct Letter, XXXX Welcome letter attached ) Based on views from all three credit reports, XXXX nor XXXX updated my credit report with this information. I reviewed and have filed XXXX disputes regarding incorrect information sent to XXXX, XXXX and Equifax from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from XXXX dated XXXX informing me that I had received from the XXXX XXXX XXXX XXXX Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment IDR forgiveness letter indicating XXXX balance ) Each time I submitted a dispute with each credit bureau ( XXXX, Equifax, and XXXX ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that XXXX was my current loan service provider. XXXX has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, XXXX is not listed as a service provider on my credit report. This fraudulent reporting from XXXX has impacted XXXX, XXXX, and Equifax from reporting my current credit utilization on my credit reports which also impacts my credit score. As of XX/XX/2024, XXXX is still reporting that the Dept of Education loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, Equifax is still reporting that the Dept of Education loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and Fair Credit Consumer Financial Protection Bureau to assist me with my complaint. In closing, I do not have an active educational loan and my loan should reflect a XXXX balance and not a balance of {$92.00}, XXXX. Thank you for reading my email and your attention to this email.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX. ) XXXX Report # XXXX has a account listed as fraud and money owed to XXXXXXXX XXXX XXXX. They reported the wrong balance and status of account as suspected fraud. I have requested to opt-out of their reporting per ( 15 USC 68-02 ) as well as Inaccurate Reporting per ( 15 USC 16-81 ), Privacy Act of 1974 and 16 CFR 433.3 ( Illegal to report Transaction History ) 2. ) XXXX Report # XXXX / XXXX # XXXX / Equifax # XXXX A ) First Progress Credit Card XXXX XXXX XXXX ( Inaccurate Reporting ) B ) XXXX XXXX XXXX XXXX opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 3 ) XXXX XXXX XXXX A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness , which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 4 XXXX XXXX XXXX A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) XXXX XXXX XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 6 ) XXXX XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 7 ) SECU Loan A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) XXXX ) XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02-05 ( Payment History Illegal ) C ) Privacy Act of 1974 D ) 16 CFR 433.3 ( Illegal to report Transaction History )
Company Response:
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
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 hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open account associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. Since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. The late open account issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. I am formally requesting the following actions to be taken promptly : Immediate correction of the late open account on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. A written confirmation of the resolution, including the date when the correction was made. An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXXXXXX Balance Owed : {$12000.00}.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXXXXXX Balance : {$310.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 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: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I trust this letter finds you well. I am writing to express my deep frustration and disappointment regarding the continuous presence of fraudulent items on my credit report, despite my persistent efforts to rectify this issue. The repeated lack of resolution has had a profound impact on my financial stability and has caused considerable distress. The fraudulent items, associated with account, were first reported to your agency. Since then, I have diligently followed your established procedures for disputing fraudulent activity, providing all necessary documentation, including police reports, affidavits, and supporting evidence to demonstrate the fraudulent nature of these entries. Despite my numerous attempts to rectify this situation, each met with cooperation on my part and compliance with your agency 's requirements, the fraudulent items persist on my credit report. I have made multiple submissions and engaged in numerous communications with your agency, yet the issue remains unresolved, causing ongoing harm to my creditworthiness. I am formally requesting the following actions be taken immediately : A comprehensive and thorough reevaluation of the fraudulent items on my credit report to verify their accuracy. The immediate removal of these fraudulent items from my credit report. A written confirmation of the resolution, specifying the date when the fraudulent items were removed. A detailed explanation for the repeated failures to address this matter in previous attempts. An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my numerous attempts to rectify the situation, is both frustrating and damaging to my financial standing. Failure to address this matter within the exact timeframe from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Company Response:
State: NC
Zip: 28001
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A