Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX is reporting XXXX and XXXX credit cards on my account after being notified of identity theft and fraud these account and balance do not belong to me I have reached out on this numerous times now
Company Response:
State: CA
Zip: 93065
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: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I would like to ask the investigation on your possible service of soft inquiries on, XXXX XXXX. I have found out your company name on the credit report of Equifax. And this credit report company, Equifax, asked me to give the detailed content of my concern regarding my credit report, since it might be used for the illegal movement, which might have caused the result of fraud alert on me, XXXX XXXX. As far as I understand the system of the United States and possibly globally, the soft inquiries on home lending must be performed by the person, who has the interest to purchase the home or real estate ; however, my family never have had the interest for an extensive period, because of the unfortunate happenings, such as the huge earthquake in XXXX, XXXX XXXX, physical operation, and death of family members. Also, this year, we never had the idea to move out from our rented apartment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; therefore, I want to ask why you had the soft inquiries to Equifax for XXXX times, which were performed on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. If you have the question and concern, please contact Equifax and discuss together. Sincerely,
Company Response:
State: NJ
Zip: 076XX
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: Report provided to employer without your written authorization
Consumer Complaint: Per the FCRA as a federally protected consumer I XXXX XXXX XXXX am OPTING OUT of any and all authorizations I the consumer may have given you written, non written verbal and non verbal PER 15 USC 6802, EFFECTIVE IMMEDIATELY INDEFINITELY. The law also states its illegal to report Transactions History.Title 12 Also states anything dealing with a securities is and automatic Federal Court Case.
Company Response:
State: NY
Zip: 12901
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: These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report.. The following account is listed as an open collection, XXXX XXXX XXXX. A collection account can not be listed open, it is inaccurate.
Company Response:
State: TX
Zip: 77396
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 information incorrect
Consumer Complaint: Why did my XXXX credit score drop by XXXX points and my Equifax credit score drop by XXXX points when there were no negative items reported ; I paid off the XXXX credit card with a balance and other accounts are reporting balance decreases. This isn't the first this has happened, I've had my scores drop by as much as XXXX points in XXXX month even though nothing negative was reported. This also happened in XXXX as well few months prior to XXXX as well.
Company Response:
State: GA
Zip: 30265
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: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of myTeletrack consumer credit report sent to me via mail.
Company Response:
State: MA
Zip: 01757
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: Please accept this letter as my formal writing request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act 15 U.S.C S 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : 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: KY
Zip: 403XX
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: Account is incorrect
Company Response:
State: MO
Zip: 641XX
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: DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA as a federally protected consumer. I am now opting- out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX may have given to provide my personal information to XXXX, EQUIFAX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. I can OPT-OUT of any account being reported on my credit file or credit report. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX responded saying that XXXX XXXX sold my account to them while XXXX XXXX was still being reported on my credit report. My debt was illegally sold to a third party debt collector that I XXXX XXXX never agreed to. When XXXX received my letter I clearly stated that I am revoking and any and all authorization to use my nonpersonal/personal data and report any information on MY CREDIT FILE OR REPORT. I NEVER GAVE XXXX XXXX XXXX XXXX XXXX ANY CONSENT. XXXX DOESNT NOT UNDERSTAND THE LAW. XXXX has told the CFPB THAT THEY DONT HAVE THIS ACCOUNT REPORTING. YET HAS SHOWED UP AS A COLLECTION ON MY CREDIT REPORT ON XX/XX/XXXX. I have disputed it and XXXX AND XXXX XXXX has violated my privacy rights ( THE PPRIVACY RIGHTS ACT OF 1974 ) and sold my account to them a year ago. This account is to be deleted on all of the credit reporting agencies XXXX, EQUIFAX, XXXX NOW. I SENT XXXX XXXX XXXX, XXXX A CEASIT AND DESIST LETTER ALREADY ON XX/XX/XXXX. I HAVE SENT XXXX MY OPT- OUT LETTER AND INVESTIGATION LETTER OF HOW AND WHEN THEY PURCHASED MY ACCOUNT FROM XXXX XXXX. per The PRIVACY ACT OF 1974 THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS UNDER THIS ACT WHICH IS A FEDERAL LAW MY PRIVACY IS PROTECTED AND GOVERNS THE COLLECTION OF MY PERSONAL INFORMATION BEING SOLD TO ANY CORPORATION/COMPANY AND MY PERSONAL INFORMATION SUCH AS MY NAME, ADDRESS, SOCIAL SECURITY NUMBER, PHONE NUMBER, ACCOUNT NUMBERS, BEING SHARED WITH. 5 U.S. Code 552a - Records maintained on individuals states that my social security number is only suppose to be shared with government agencies. Unless I XXXX XXXX chooses to release my social security number to XXXX XXXX XXXX. XXXX which I did not. The privacy rights act of 1974 and 5 usc 552a also states that I XXXX XXXX MUST give permission to any company to disclose my non personal or personal information to them. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public. Both laws protect the nature disclosures. XXXX XXXX XXXX XXXX is not a government agency. They have no PERMISSION OF MINES TO BUY, PURCHASE, OR SELL MY INFORMATION FROM XXXX XXXXXXXX XXXX XXXX CFR 29.518 - Reporting delinquent debts to credit bureaus. Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX XXXX XXXX XXXX XXXX is saying that they hold the rights to my non personal and personal information and can disclose this information if they wanted to per their last letter which was XXXX response to me here on the CFPB WHEN I QUESTIONED WHY IS THIS ACCOUNT BEING REPORTED DUE TO IT BEING SOLD WITHOUT MY KNOWLEDGE OR CONSENT. That sounds like they are stealing my social security number, name, address, account information and doing what they would like with it. Because of an alleged owed debt and they are NOT the ORGINAL creditor of this debt. XXXX nor XXXX XXXXXXXX XXXX never sent me any NOTICE in the mail stating how the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. My nonpersonal and personal information is suppose to be safeguarded to insure the security and confidentiality of customer records and information to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Per the LAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. This account is not with XXXX XXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX ) WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, XXXX XXXX, Equifax with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, XXXX is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. FROM MY CFPB DISPUTE IN XX/XX/XXXX. DELETE IMMEDIATELY - XXXX XXXX XXXX XXXX XXXX XXXX THESE OPT-OUT LAWS THAT I HAVE AS A FEDERALLY PROTECTED CONSUMER THAT XXXXXXXX XXXX XXXX HAS ILLEGALLY WENT OUT A BOUGHT MY INFORMATION TO FURNISH AND THIS ALLEGED DEBT. WITHOUT ALLOWING ME AS THE CONSUMER TO OPPORTUNITY TO OPT-OUT AND EXCERISE MY RIGHTS OVER MY OWN INFORMATION. 12 CFR 1022.24 - Reasonable opportunity to opt out.- ( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.- ( 1 ) Form of opt out notice you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure 17 CFR 162.6 - Reasonable opportunity to opt out.- A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} {$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully 15 U.S. Code 1681c2 - Block of information resulting from identity theft BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Company Response:
State: NY
Zip: 11226
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: Their investigation did not fix an error on your report
Consumer Complaint: I've furnished my FTC report and supporting documents to Equifax asking them to follow the law as written in the paragraphs below they refuse to follow the rules and regulations put in place by the United States government to regulate consumer finance, Equifax has and is actively inflicting tyranny on American Consumers by abusing their power, disregarding the codes and parameters put in place by the U.S Government. The governing bodies i.e. CFPB, FCRA won't intervene, so I have retained a consumer law firm. as a last attempt to get justice from a system I pay taxes and worked all my life to build. I have lost significant amounts of money. paying inflated interest rates on cars, homes and loans, suffered with stress, XXXX, hospitalizations, stress and XXXX due to my consumer profile which led to diminished finances. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy. of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information the FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A