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 this account has violated my rights. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: CO
Zip: 80013
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am writing to express my extreme frustration and dissatisfaction regarding the apparent negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ) in your handling of my credit report. Specifically, I am addressing the inaccuracies related to the account with XXXX XXXX XXXX, originally held by XXXX XXXX, bearing the following details : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/2023 Balance : {$250.00}. It has come to my attention that other credit bureaus have promptly and responsibly removed these erroneous accounts from their records after identifying an error. These agencies were diligent in their investigations and successfully rectified the issue. I am left bewildered as to how your bureau claims to have verified the information, while others have acknowledged and corrected their mistakes. I am left to question your procedures, integrity, and commitment to complying with the law. It is both disheartening and infuriating that, as a victim of inaccurate reporting, my pleas for resolution have fallen on deaf ears. The blatant discrepancy between your actions and those of other bureaus is not only confusing but also indicative of a systemic failure within your organization.
Company Response:
State: CA
Zip: 92705
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10456
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: In accordance with the Fair Credit Reporting Act this account has violated my rights. XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: CO
Zip: 80013
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute the presence of fraudulent accounts on my credit report, as provided by your bureau. After a recent review of my credit report, I discovered unauthorized accounts that I believe to be the result of identity theft. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I understand the importance of accurate reporting and expect swift action to rectify this situation. As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into the legitimacy of these accounts and take prompt action to delete them from my credit report. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Company Response:
State: CA
Zip: 90504
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: My information was sold and bought illegally I found out because i was trying to buy a house and now I know that I was a victim of the Equifax data 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 this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Company Response:
State: TX
Zip: 78573
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to you regarding my recent review of my credit report obtained from your bureau. Upon careful examination, I noticed that there are late payments reported on my account. I have taken proactive measures to address and rectify any late payments, and I am pleased to inform you that other credit bureaus have already removed the late payments from their reports. I would like to understand the reason behind the discrepancy in reporting between your bureau and others. XXXXXXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX XXXXXXXX customer service representative. XXXX have already corrected this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. To provide additional context, I have attached relevant documentation, including proof of payments and any correspondence with the creditor in question. I believe that there may be an error or oversight that has led to the discrepancy in reporting. I kindly request that you investigate this matter thoroughly and, if appropriate, update my credit report to accurately reflect the current status of my accounts. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter.
Company Response:
State: CA
Zip: 90504
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: There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Company Response:
State: GA
Zip: 31404
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: I have requested to XXXX XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Company Response:
State: FL
Zip: 32765
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: DELETE HARD INQUIRIES. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer inges to privacy and confidentiality under 15 UC 1681 The accounts below have violated my rights 15 USC 1681 section 602A, States I have the night to privacy 15 USC Bar Section 004 A Section 2 : It also states a consumer reporting pency camot Sumish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may maka any consumer report containing any of the following items of information Any other adverse em of information, other than records of of convictions of crimes which antedates the report by moe than seven years 15 USC 1681-2 ( A ) ( a ) A person shall not furnish any information relating to a consumber to any consumer reporting agency if the person knows or has reasonable cause to believe that Information is inaccurate. Delete the accounts bellow : 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: FL
Zip: 34207
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A