Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Company Response:
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Per code XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put in notice
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Act 15 USC 1681 Section 602a states " 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. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under this title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The following financial institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the Consumer reporting agencies : Equifax, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise I the consumer, XXXX XXXX XXXX , am revoking immediately and indefinitely per 15 USC 6802 which states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 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, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 ( h ) states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting. 12 CFR 1016.7 ( g ) state that You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. This letter constitutes receipt of my consumer opt out and you must comply. Furthermore per 12 CFR 1016.7 ( i ) ( 1 ) states A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. Again, I am opting out of your reporting effective immediately and indefinitely. According to 15 U.S. Code 1681n, willful noncompliance with the FCRA results in significant civil liabilities. Willful violations can entail compensation of at least { {$1000.00} } per violation, in addition to any damages incurred due to noncompliance with the law. Continued violations after the initial complaint clearly demonstrate awareness of wrongdoing and disregard for consumer rights. Furthermore, under 15 U.S. Code 1681o, negligent noncompliance also leads to liabilities for any damages resulting from the failure to comply. Please rectify these inaccuracies in my consumer report, failing which, legal action will be pursued to ensure compliance with the FCRA and to obtain justice and compensation as entitled under these laws services. According to 15 U.S. Code 1681n, willful noncompliance with the FCRA results in significant civil liabilities. Willful violations can entail compensation of at least { {$1000.00} } per violation, in addition to any damages incurred due to noncompliance with the law. Continued violations after the initial complaint clearly demonstrate awareness of wrongdoing and disregard for consumer rights. Furthermore, under 15 U.S. Code 1681o, negligent noncompliance also leads to liabilities for any damages resulting from the failure to comply. Please rectify these inaccuracies in my consumer report, failing which, legal action will be pursued to ensure compliance with the FCRA and to obtain justice and compensation as entitled under these laws.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Equifax is unable to verify and complete a full reinvestigation in 90 days. This is a violation of the Fair Credit Reporting Act. Find attached certified letter dated XXXX, XXXX XXXX. Today is XX/XX/XXXX and no response.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of the Equifax data breach. I want these Items Deleted from my credit reports. XXXX. XXXX XXXX Bank Account # XXXX XXXX XXXX XXXX. XXXX Bank Account # XXXX XXXX. XXXX XXXX Bank # XXXX XXXX XXXX XXXX. XXXX Account # XXXX XXXX XXXX I received Confirmation from Equifax. " Based on the information you provided, our recors indicate your personal information was impactedby this incident. XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have unauthorized inquiries on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is a charge off listed on my credit report for XXXX XXXX, the account was never charged off and is paid in full with good statnding,
Company Response:
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The following addresses are not associated with me, and should be removed from all three credit reports. I informed all three credit bureaus to correct this, but it still shows on my report 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: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have pulled a comparison report and they have reported three different things on all reports and I have filed a complaint because I sent a negotiable instrument to pay off the card and they said that I couldnt do that but the item followed the USC as a negotiable instrumment they have also reported three different things on the comparison report. I asked to opt out and I called the number that is listed on their website privacy policy they said that i couldnt do it and finally I was told after being passed around that I didnt do it in 30 days then I couldnt.
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: CHARGE OFF ACCOUNT THATS BEING REPORTED XXXX XXXX XXXX - Reporting Charge off balance of {$1400.00} Dated XXXX. XXXX XXXX Reporting Charge off balance of {$570.00} Date XXXX XXXX XXXX XXXX Reporting Charge off balance {$0.00} XXXX XXXX.
Company Response:
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A