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 XXXX compliance. Provide me with the XXXX 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: 11746
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: On XXXX, and EQUIFAX XXXX account stating my business called XXXX XXXX XXXX XXXX owes monies is fraud!!! XXXX was the account, also XXXX sends a XXXX of the account {$0.00} balance as of XX/XX/2024
Company Response:
State: NY
Zip: 146XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
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: LA
Zip: 705XX
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: 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. Account Name : 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 has violated my rights. Or a list of inquiries : 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: GA
Zip: 30058
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: 79915
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: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: After thoroughly checking my credit reports, I spotted some inaccurate Personal Information that need reporting and correction through your company. I have attached the copy of my dispute letters that were sent it to the Bureaus.
Company Response:
State: TX
Zip: 78641
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: I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Company Response:
State: NY
Zip: 10550
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You have XXXX % left to pay on this loan. Balance {$0.00} Highest Balance XXXX XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Term 73 months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Purchased by another lender Times XX/XX/XXXX days XXXX XXXX Closed XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You have XXXX % left to pay on this real estate loan. Balance {$0.00} Highest Balance XXXX XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 360 months Payment History XXXX made 86 % of payments for this account on time. Payment history table, broken down by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status XXXX Days Late Account Details Account status Derogatory Type FHA real estate mortgage Responsibility Individual Remarks Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Home/Office Furnishings Collections If you've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$9100.00} Needs Attention Overview You have 91 % left to pay on this collection. Balance {$9100.00} Highest Balance {$10000.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You're currently using XXXX % of your account 's limit. Balance {$0.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Paid and Closed Type Credit Card Responsibility Individual Account. Remarks Account closed at XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
Company Response:
State: TX
Zip: 78237
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: 798XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I went to apply for a mortgage. Credit report came back showing that I had been sent to collections for a medical charge. This adversely affected my credit score. I contacted all medical providers which showed only a {$30.00} bill which I paid over the phone. I then contacted the collections company XXXX and they showed that the bill came from XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ). After several calls to Equifax, XXXX, and XXXX XXXX I was able to discover that the account was for another person with my same first name, AND patient had MY birth date and MY social security number attached to the account. Her address is listed differently than mine. I never received mail or bills from either the hospital or the collections dept regarding this. My only indication of an issue was when I went to apply for a loan. I contacted the Consumer dispute line at Equifax, and a report has been filed, and was instructed to file a report with CFPB. I'm frustrated because this impacted my percentage rate on a loan, and I am worried about what else is going to show up.
Company Response:
State: MS
Zip: 39564
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A