Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a fraudulent account on my credit report, titled XXXX XXXX XXXX. It is not my account, I have no knowledge of this account. Some one has stolen my information and has opened up and has opened up a fraudulent account without my permission.
Company Response:
State: MS
Zip: 39305
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Per The FRCA, as Federally protected consumer and per 604 - 15 U.S.C. 1681b, Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This was not initiated by me nor did I get any written, electronic, verbal nor, non verbal disclosures about these inquiries. Additionally I did not provide the credit reporting agencies nor these none affiliates to report nor disclose my private personal information. This is a violation also of the Privacy Act of 1974. 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 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: FL
Zip: 33311
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: Reporting company used your report improperly
Consumer Complaint: I noticed some unauthorized hard inquiries Equifax has on my report with XXXX XXXX. Which I dont know what that is and I see that they have it down twice and also they have a company called XXXX XXXX which I dont have no knowledge of what that can be. I sent the company documents back on XX/XX/23 which Equifax explained to me they will investigate it, it would take 7 to 10 business days or 30 days for them to find out about this. Which its been 30 days, I still see both companies on my Equifax which Equifax fail to remove this hard inquiries along with the documents I sent to them!
Company Response:
State: NJ
Zip: 08360
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: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate. Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution. Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights. Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation. FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. Thank you for your prompt attention to this matter
Company Response:
State: TN
Zip: 37138
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: The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal. They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information. 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. Equifax, XXXX, and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Company Response:
State: FL
Zip: 338XX
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: On XX/XX/XXXX, I utilized my rights under various federal laws ( including 5 USC 6802 ) to send an opt-out request to the major credit reporting agency : Equifax. The purpose of this request was to withdraw any consent, previously given in any form ( written, unwritten, verbal, and nonverbal ), for using and sharing my personal and financial information in relation to specific accounts on my consumer report. The accounts are as followed : XXXXXXXX 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 15 USC 6802 ( Gramm-Leach-Bliley Act ) : This statute is a key provision of the Financial Services Modernization Act, which requires financial institutions to provide customers with a privacy notice that explains the information collected, where it is shared, and how it is used. Importantly, it provides consumers the right to opt-out of their information being shared with nonaffiliated third parties. My request to Equifax, XXXX, and XXXX was based on this right. 2. Privacy Act of 1974 : This act establishes a code of fair information practices that govern the collection, maintenance, use, and dissemination of personal information about individuals that is maintained in systems of records by federal agencies. While primarily applicable to federal agencies, its principles are echoed in the consumer rights afforded under the FCRA, particularly regarding individuals ' control over their own personal information. 3. 16 CFR 313.7 ( Regulation P - Privacy of Consumer Financial Information ) : This part of the Code of Federal Regulations requires financial institutions to provide clear and conspicuous notice to consumers about their privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties, and provide a method for consumers to prevent such disclosures by " opting out. '' 4. 15 USC 1605 ( Consumer Financial Protection Bureau portion of the Truth in Lending Act, also known as Regulation Z ) : This section of the Truth in Lending Act is enforced by the CFPB and governs the transparency of consumer credit transactions. The CFPB 's portion includes rules for fair handling of credit reports and ensuring accurate and fair credit billing and credit card practices. It also includes the enforcement of penalties for non-compliance with these provisions. My complaint relates to this law 's provision for enforcing fair and accurate credit reporting practices. Issues Encountered : Despite referencing these legal provisions in my opt-out letter and the ample time provided for the credit reporting agencies to respond and comply with my request, there has been no satisfactory acknowledgment or action. My personal and financial information continues to be handled in a manner that I believe is inconsistent with these legal provisions.
Company Response:
State: GA
Zip: 30349
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: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently had 2 XXXX accounts that was in collections removed from my credit report and deleted because the debt was not valid. One account was XXXX XXXX ( acct # XXXX ) the other account was XXXX XXXX XXXX ( acct # XXXX ). Today I received a inaccurate derogatory mark on my fico report, reported from EQUIFAX for late payment history related to these deleted accounts. I did not pay a balance that was owed to get these accounts removed, the late payment were associated because the debt was invalid. This type of negative reporting is prohibited by the Fair credit reporting act!!. I request to IMMEADIATELY remove the late payment history that is associated with these deleted accounts so my credit report reflects accurate by law. In accordance with the fair credit reporting act converging account # 's XXXX & XXXX has violated my rights again. 15 U.S.C 1681 section 602a states the right to privacy. 15 U.S.C 1681 section 602a section 2 also states a consumer reporting agency can not furnish a account without my written instruction or consent. Under the FCRA ( Fair Credit Reporting Act ) prohibits this type of negative reporting to ensure fairness, accuracy, and privacy of the consumer credit information.
Company Response:
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2024-01-06
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my report that I did not consent. It is against the law to report inaccurate information.
Company Response:
State: AR
Zip: 723XX
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: My complaint simple and plain. My credt is being affected by unlawful reporting as i pulled my report. i sent the credit reporting agencies a affidavit 2 times to resolve this matter ammicably. since they didn't comply, i need your help CFPB. 15 usc 6802b stance about late payments. non public information can not be published to nonaffiliate third parties withouth my consent. unlesss i was given opportunity before the time that such information is innitialy disclosed to a third party. i was never given that opportunity and the CRA 's a third parties and in violation of that law. congress says ( exclusions ) the term consumer report does not include solely my transaction or experiences between ( me ) the consumer and the person making the report.therfore, late payments can not be included in my credit report. 15 usb 1666b states the timing of payments. the financial agency must send written notices/statement 21 days before the payment due date with information from section 15 usc 1637b . it must be mailed or delivered within 21 days of the payment due date from the consumer. they have never done that. they are all in violation of those laws. how could XXXX Equifax XXXX treat a payment as late without proof that these items were delivered to me the consumer. 15usc 1692k and 1640 civil liabilities {$1000.00} per violation not to exceed {$500000.00}. ive been damaged by them. all 3 of my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX a copy of the banks account statement of when the payment hit their account, or remove all late payments from my report. please be reminded as the consumer i'm protected by the privacy act.
Company Response:
State: NC
Zip: 28208
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: In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an 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 moreover 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: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A