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 on my credit report. It is not belong to me. It is fraud!
Company Response:
State: AL
Zip: 352XX
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: 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Company Response:
State: NY
Zip: 10469
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: Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I haven't received any response from them. Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Equifax Information Services LLC, I am writing in response to your recent correspondence requesting additional documentation for identity and address verification. I must emphasize that I have already provided the necessary information as per your guidelines. Despite this compliance, it seems there has been an unnecessary delay and runaround from your end in processing my request. Under the Fair Credit Reporting Act, particularly concerning adverse action laws, I understand my rights as a consumer. These laws stipulate your responsibility to ensure accuracy and expedite correction processes in credit reports. Given this legal framework, I urge Equifax to act promptly in rectifying any discrepancies in my credit file, without further unnecessary requests for information already provided. Your request for additional documents, which I have already submitted, suggests either a misplacement of my initial submission or a lapse in your internal processing. As a consumer, it is my right to expect efficient and responsible handling of my personal and sensitive information. To facilitate a swift resolution, I am prepared to resend the documents, but I expect immediate action upon their receipt. Please confirm the receipt of my initial submission and provide a clear timeline for the correction of my credit information. In case of further queries or if additional information is indeed needed, I am available for contact. However, I anticipate a more streamlined and responsible approach from Equifax henceforth. Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution. Sincerely,
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
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: 79928
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 looked at my credit report last month and i saw some accounts that i didn't recognize. I called the creditors and found out that these accounts were open without my knowledge. I called the credit bureaus and followed their instructions but they haven't removed them yet.
Company Response:
State: CA
Zip: 93635
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: According to The Fair Credit Reporting Act ( FCRA ) and LAW, It is ILLEGAL to report TRANSACTION HISTORY to a consumer report. I have already opted out of this type of unlawful stuff. Please remove this history immediately from my reports. I am giving 5 business days for this to be completed. Thank you.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I was applying for an apartment and there was an issue with pull my report for Equifax. After calling multiple times they just tried to tell me I have no exsisting credit and that I would need to submit my documentation to prove I am who I say I am which I did, I follow up a month later and they do not have any of my information on file still. After speaking to my creditors XXXXXXXX XXXX was able to verify that Equifax had deleted my information due to an error that may have acured. I kept asking Equifax why is that all other Credit Bureaus are able to pull my information and yet you guys are not but they were not able/willing to do the work to figure this out. I then advised Equifax of the new information given by XXXX and contact the consumer affairs department I submitted my documentions and was told this would be resolved. This began in XXXX XXXX and I am now following up in XXXX XXXX they advised me that the agent had submitted my information wrong and that I would have to wait another 30 days to get this resolved I asked how can I know this will be resolved I was not given any further description besides a claim number. I have spent over XXXX XXXX in application fees for apartments. Im not able to move due to this issue which is causes me extreme stress and nothing seems to be done about this. Where did my information go why did no one call me why cant I speak to a supervisor, and why can I make no complaints about the the service at Equifax
Company Response:
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Examine the attached documents. I want the bureau to initiate an investigation on these accounts where I am never late, but they are incorrectly reporting me as late.
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
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 am writing to officially dispute certain items on my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy. I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]
Company Response:
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A