Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Illegally charged off and/or purchased my personal information from a third party and is reporting open and charged off and closed negative accounts, that I have no knowledge of. as evidenced in my previous complaint XXXX XXXX was sued by the for illegal practices for inaccurate information which previously appeared on my report as i am being compensated. from the suit as referenced in account number XXXX on my consumer credit report. These open accounts, that I have no knowledge of, constitutes identity theft and a is violation of my privacy. Equifax XXXX and XXXX are guilty of identity theft as they have reported this inaccurate information without my written consent and without good cause.as section 623 [ a ] [ 6 ) clearly outlines the law. per the fair credit act this is violation of my privacy and constitutional rights as seen in FCRA AS PROVIDED IN SECTION 333 ( a ) of the act the violator shall be assessed a civil penalty of up to XXXX for each violation. These violations have caused me to suffer irreparable repair to my life and quality of life as such. PLEASE REMOVE THESE INACCURACIES FROM CONSUMER REPORT IMMEDIATLY
Company Response:
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
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: TX
Zip: 79703
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Accounts not properly updated following multiple multiple disputes.
Company Response:
State: LA
Zip: 70785
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Accounts not properly updated following multiple multiple disputes.
Company Response:
State: LA
Zip: 70785
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I contacted XXXX on XX/XX/XXXX with no recourse. I am due an accurate credit report I have misspellings as well as several unmailable addresses that need to be deleted immediately, I choose to opt out of reporting pursuant to 15 usc 6802. I the consumer choose to opt out. Any authorization I have given whether written or unwritten verbal and non verbal as a federally protected consumer.According the privacy act of XXXX states 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 [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). I've also reached out to dept of Ed/XXXX to remove all accounts due to the XXXX It prohibits educational institutions from disclosing personally identifiable information in education records without the Witten consent of an eligible student. 2o uses 1232g ( ( b ) )
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I noticed that there were multiple addresses recorded on Equifax, XXXX, and XXXX. My correct address is the one indicated on the billing information I am sending you along with this complaint. There is also a misspelled name entry under XXXX. I tried sending them letters to request the removal of this incorrect information on my report, but apparently, they are still there as we speak. It has been causing me inconvenience whenever I apply for a bank loan or credit card because the creditors question me about these multiple addresses and employer information that are not mine.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Company Response:
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Company Response:
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A