Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. 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: OH
Zip: 43613
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: I added the following part to the letter to Equifax. Also, I found out my extended XXXX XXXX XXXX was removed along with XXXX XXXX alert. I have asked to remove XXXX XXXX alert. I enclose the fraud alert request form, which I submitted before. I expect your company shows the respect toward the victims identity theft, especially whose nationality is not the United States citizen.
Company Response:
State: NJ
Zip: 076XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 To whom it may concern : I need to know who you verified the Public Record Information XXXX XXXX XXXX. According to the XXXX report, this public record has been deleted and removed from their credit file. According to XXXX, they disputed the XXXX XXXX information with Equifax XXXX XXXX XXXX, because it's not verifiable. I demand for this public record to be removed from my credit file immediately, and please do not send me that it has been verified with your dispute, without evidence that you verified it. This must be a lie or you not doing your job accurately according to the law. Please find XXXX the attachments down below, for XXXX evidence to support my case. I just got my credit report and the Account of Public Record Information XXXX XXXX XXXX on my credit report is incomplete and inaccurate, violating 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) XXXX person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Accounts : Public Record Information XXXX XXXX XXXX XXXX you have deleted the accounts from my credit report, please send me a copy of my updated report. Thank you.
Company Response:
State: CA
Zip: 91764
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: ( 15 u.s. Code 1602p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ( 15 USC 1692b ) Not state that such consumer owes any debt ; Analysis a debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another party 's ability to identify him, and the collection laws of his or her state allow the same. Telling a 3rd party that you owe a debt is illegal! First, it may not be true thus unjustly damaging your reputation and second, it is simply nobody else 's business. " XXXX XXXX XXXX '' CAN NOT PROVIDE A CONTRACT PROVING ANY BUSINESS I HAVE DONE WITH THEM. I DO NOT OWE ANY MONEYS TO SAID PARTY. 15US CODE 1692J ( A ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating
Company Response:
State: MI
Zip: 49015
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 more 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: 33167
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. XXXX XXXX XXXX card balance shows {$16.00} balance and credit limit shows {$3000.00}. Authorized user as of XX/XX/23. XXXX XXXX shows credit balance of {$8100.00} with credit limit {$10000.00}. XXXX XXXX shows balance {$240.00} opened on XX/XX/23.
Company Response:
State: CA
Zip: 92880
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 more 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: MI
Zip: 48306
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: For a number of years, Ive been XXXX and have not been able to have access to apply for any accounts due to my absence. They were quite a few accounts open in my name, and I gave no one authorization to do so. I also sent in the police report and called these companies, Also sent letter to the credit bureaus but they have failed to remove these items off my credit report. XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its been past 30 days since I reach out any response
Company Response:
State: GA
Zip: 30319
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: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate 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 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 But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: IL
Zip: 60644
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: As 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. '' Supporting this is 5 U.S. Code 552a " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Equifax violates of - 15 U.S. Code 1681b " Equifax would need my written consent to add anything to my consumer report which I did not give. - 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) " Reporting Transaction history is illegal. Under 15 U.S. Code 1681c " No adverse items besides the conviction of crimes should be on a consumer report. - 15 U.S. Code 1681s2 " Equifax has been put on notice of the inaccurate information and must immediately stop reporting that information. Under 15 U.S. Code 1681n Equifax is liable for {$1000.00} per violation for noncompliance. ( There have been 71 violations counted. ) Per the FCRA as a federally protected consumer. I am now Opting Out of any authorization. I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Company Response:
State: CA
Zip: 92802
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A