Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These XXXX Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD 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 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: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
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: XXXX XXXX, XXXX, and EQUIFAX is reporting account information without proper consent or authority. The account information is associated with identity theft and other criminal activity. The XXXX credit reporting agencies also failed to take reasonable measures to prevent my identifying information from being used, shared, and sold, after having knowledge of the identity theft and criminal activity. I have discovered more criminal activity on the credit report and have filed another identity theft report to have the account information block and permanently deleted.
Company Response:
State: GA
Zip: 30064
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: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I just got my credit report on XX/XX/2024, and noticed some accounts on my credit report that are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Company Response:
State: AZ
Zip: 85251
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: 2024-01-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After reviewing my credit profile, I identified discrepancy with my account and validation was requested as this was account I did not recognized I reviewed my account again and the accounts continue to reflect on my credit report and I have not received any correspondence from creditors to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a second certified letter was sent out. These company are reporting fraudulent inaccurate information on my credit report. I requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me 15 U.S.C 1681. These account continue to affect me negatively.
Company Response:
State: MA
Zip: 026XX
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: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold and bought illegally because I was a victim of 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 Equifax, XXXX and XXXX. XXXX XXXX Account Number : XXXX Thank you, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91406
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: 2024-01-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
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: According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a 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, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX 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. '' The companies listed are financial institutions by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' These companies listed are financial institutions and the XXXX reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX and these companies whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX 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. '' These companies Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 more than XXXX years. '' The accounts listed are adverse items they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services for the following accounts and personal nonpublic information : Remove all non-mailable address equifax has XXXX listed XXXX has XXXX listed and XXXX has XXXX listed the only current mailable address is XXXX XXXX XXXX XXXX, Fl XXXX Remove all phone numbers that no longer belong to me XXXX has XXXX listed Remove all employers listed Remove all inquiries per XXXX XXXX XXXX Remove all collection accounts affirm and ccs per XXXX XXXX and XXXX XXXX XXXX Remove all charge off accounts Capital XXXX and Grow Financial FCU. They are charged off and now considered ( Certificates of Indebtedness ) income which is not allowed to be listed on a credit report. Remove US Dept of XXXX per The Family Educational Rights and Privacy Act, this reporting violates my rights to privacy per XXXX XXXX XXXX g ( b ). It's also listed inaccurately by each reporting agency. Remove these accounts and info from my consumer report. I am opting out of all of the above being reported on my consumer report per XXXX XXXX XXXX and XXXX XXXX XXXX. Remove all transaction history and credit utilization for the XXXX XXXX XXXX Bank and the Bank XXXX XXXX credit card accounts mark them as pays as agreed per XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) ". This is effective immediately and indefinitely. These adverse items which are being reported without my permission has not only damaged my right to extend credit but it has made me lose trust and hope in the banking system. I have been denied for credit and loans because of this and my character has not only been defamed but my mental and physical health has suffered greatly. There is no law that says a consumer reporting agency must furnish information about a consumer which is why XXXX made it very clear that your company assumed this vital role pursuant to XXXX XXXX XXXX ( a ) ( XXXX ). Also your company failed to be fair and respect my right to privacy according to XXXX XXXX XXXX ( a ) ( XXXX ). I'm requesting valid proof and documentation that these negative items were investigated fairly and properly. Also provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. I'm giving your company the opportunity to make this matter right. Included are denial letters and my letters sent to each reporting agency and the furnishing companies.
Company Response:
State: FL
Zip: XXXXX
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: 2024-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My husband and I checked my FICO credit score on XX/XX/XXXX to find that it was significantly lower than expected. I looked at the details of my credit report to find that there was a delinquency for a missed credit card payment. I contacted my credit card company ( XXXX ) on XX/XX/XXXX to inquire about the missed payment because I had no recollection of missing a payment. They confirmed that they never filed a delinquency on my account. I created an account with XXXX to look at the credit report there and file a dispute, and when I looked at the credit report, it said that there was an adverse account with XXXX XXXX XXXX XXXX The account as an address that is a XXXX XXXX XXXX XXXX, XXXX. I did not create that account. I filed a dispute with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and Equifax, and XXXX XXXX on XX/XX/XXXX.
Company Response:
State: NC
Zip: 28269
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: 2024-01-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX EQUIFAX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Company Response:
State: TX
Zip: 75093
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: 2024-01-06
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 accounts below has XXXX my federally protected consumer rights to privacy and confidently under 15 USC 1681. XXXX XXXX XXXX XXXX portfolio recovery XXXX last XXXX of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXXXXXX XXXX XXXX last XXXX of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX XXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXX.current balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A