Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX I was scammed and hacked, by individuals impersonating XXXX XXXX ( I received the caller ID for XXXX ), and my identity was stolen. The result was that a XXXX XXXX XXXX XXXX was open using my identity. I filed a police report, as well as a report with the Federal Trade Commission, the IRS and SSA were also informed of the identity theft. I contacted XXXX XXXX Bank on XX/XX/XXXX, and was asked by them to send a police report and the FTC report so they will not make me liable for the fraudulent XXXX card account, which I did.. I also sent documentation to XXXX, Equifax and XXXX. XXXX XXXX 41 days later.is making me liable for the fraudulent account and refuses to provide a letter to remove the hard inquiry in my report. XXXX, XXXX and Equifax are not willing to fix my credit ( eliminate the XXXX XXXX XXXX XXXX and hard inquiry ), after over a month of being alerted to the fraud, and sent all documentation. Today, XX/XX/XXXX, after talking to the credit Bureaus only fraud alert is as far as they are willing to help me with. I have not only been a victim of cyber crime but also of the Institutions I now depend on for help ( XXXX XXXX, Equifax, XXXX, XXXX ). Can't these people understand that it makes no sense for me to open a XXXX XXXX Credit Card a month ago, Spent zero dollars on it and then go through all the pain and aggravation which represents to deal with this bank and the credit bureaus to try to fix it?????
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX business credit card with XXXX XXXX is reporting incorrectly to my personal consumer report. XXXX XXXX reduce the credit limit to account balance and my score is affected because of this.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We have been trying to get XXXX XXXX to respond to our issues with no fair resolution... They added a forebarnce account to our credit report without our permission... we did not sign anything related to this account and XXXX XXXX can not show us the documents .... This has caused us great pain financially... We think that this is a racial issue and is discrimation ... .We both are disable and I am retired military .... We deserve better .... Please see attached documents ....
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I took a look at my credit report and noticed several hard inquiries that I did not authorize. I filed a report. Please see attached. 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: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold or bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that I was a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 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: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Delete this accounts on my credit report
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Company Response:
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A