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: Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Company Response:
State: CA
Zip: 936XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have contacted the debt collectors, third parties, and other affiliates regarding my report to consult them about my request to opt out of reporting as well as the formalities around requesting termination of the reporting based on the statues, policies, regulations, etc. as I referred to in this complaint based on USC and FCR regulations, the privacy act of 1974, and the education family act of. I requested also because of the violations that occurred against my credit report, that the reporting that is associated with these same parties also be removed from my report without prejudice. ( Please see letters and documents attached ). I havent seen nor received a response from any of the parties involved in my efforts to clean up my credit. Under the provisions and regulations of the Fair Credit Reporting act, the privacy act of 1974, the Code of Federal Regulations, the Family Educational Rights and Privacy act, and other related agencies where these codes, laws and regulations are relative and protect me as a consumer, I am putting in a complaint on the grounds that the persons, third parties, etc. have violated my rights as a consumer. Codes and laws that I am referencing in relation to the violations occurred against me as a consumer are listed here with descriptions : * 15 USC 1681C Sect. 605 ( a ) ( 1-6 ), 15 USC 1681 Sect. 605 ( b ) ( 1-3 ) * 15 USC 1681B Sect. 605 ( h ) ( 1 ), 15 USC 1681B Sect. 609 ( a ) ( 5 ) * 15 USC 1681B Sect. 615 ( d ) ( 1 ) ( A-E ), 15 USC 1681B Sect. 615 ( 4 ) * CFR Req. Title 12, Chpt. X SS. 1006.6 * CFR Req. 1006.42 * CFR Req. 1006.10 * CFR Req. 1006.34 ( b ) ( 3 ) ( 4 ) * CFR Req. 1006.34 ( c ) ( 3 ) ( i ) * CFR 1016.7 ( a ) ( 1 ) ( i-iii ) * CFR 1016.7 ( g ) * CFR 1016.7 ( h ) * 15 USC 6802 * CFR 12 X ss 1016.7 ( a ) ( i-iii ) * CFR 12 X ss 1016.3 ( b ) ( 1 ) * CFR 12 X ss 1016.3 ( a ) ( I ) ( A-E ) * CFR 12 X ss 1016.3 ( c ) * CFR 12 X ss 1016.3 ( q ) ( 1 ) ( i-iii ) * CFR 12 X ss 1016.3 ( q ) ( 2 ) ( i ) ( A-G ) * CFR 12 X ss 1016.4 ( a ) ( 1-2 ) * CFR 12 X ss 1016.4 ( b ) ( 1-2 ) * CFR 12 X ss 1016.4 ( c ) ( 1-2 ) * CFR 12 X ss 1016.6 ( a ) ( 1-9 ) * CFR 12 X ss 1016.6 ( c ) ( 4 ) ( i-iv ) * CFR 12 X ss 1016.7 ( g ) * CFR 12 X ss 1016.7 ( h ) * CFR 12 X ss 1016.10 ( a ) ( 1 ) ( i-iv ) * CFR 12 X ss 1016.10 ( a ) ( 2 ) * CFR 12 X ss 1016.10 ( a ) ( 3 ) ( i-iii ) * CFR 12 X ss 1016.10 ( b ) ( 1-2 ) * CFR 12 X ss 1016.11 * CFR 12 X ss 1016.12, FCR 12 X 1016.12 ( a ) * CFR 12 X ss 1016.15 * CFR12 X ss 1016.13 * CFR 12 X ss 1016.17 ( c ) ( 2 ) ( g ) ( 2-5 ) * CFR 12 X ss 1016.17 ( c ) ( 3 ) ( b ) ( 1-3 ) * 15 USC ss 1681 ss 602 ( a ) ( 1-4 ), 15 USC ss 1681 ss 602 ( b ) * 15 USC ss 1681a ss 603 ( b ), 15 USC ss 1681a ss 603 ( c ) * 15 USC ss 1681a ss 603 ( m ) ( 1-2 ) * 15 USC ss 1681b ss 604 ( a ) ( 2-5 ) * * 15 USC ss 1681b ss 604 ( b ) ( 1-2 ) * * 15 USC ss 1681b ss 604 ( c ) ( 1-3 ), ( Emphasis ) * * 15 USC ss 1681b ss 604 ( c ) ( 2 ) ( A-C ) * 15 USC ss 1681b ss 604 ( e ) ( 1 ) * * 15 USC ss 1681b ss 604 ( f ) ( 1-2 ) * 15 USC ss 1681c ss 605 ( a ) ( 1-8 ) * 15 USC ss 1681e ss 607 ( b ) * * 15 USC ss 1681j ss 612 ( b ) * 15 USC ss 1681m ss 615 ( a ) ( 1-4 ) * 15 USC ss 1681n ss 616 ( a ) ( 1-3 ), 15 USC 1681n ss616 ( b ) **** ( Compensation ) * 15 USC ss 1681q ss 619 * 15 USC ss 1681o*** ( Justifies ss619, reserved ) * 15 USC ss 1681s-2 ss 623 ( a ) ( 1 ) ( A ) * 15 USC ss 1681s-2 ss 623 ( a ) ( 1 ) ( B ) ( i-ii ) * 15 USC ss 1681s-3 ss 624 ( a ) ( 1-2 ) ( A-B ) Emphasis on laws/violations : As outlined in the laws, particularly the Fair Credit Reporting Act 15 USC 1681 ss 602, it states and emphasizes that agencies are to insure ( as a need ) their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy and the consumer themselves in ordinance with the laws. Equifax, XXXX, and XXXX are consumer reporting agencies and I am the consumer as defined by the laws and the reference of laws that I have outlined in terms of definition, policies, laws, and compliances where these violations were made by these entities. Moreover, I have the right to make sure my private information is not shared in any and every way which is indeed backed by 15 USC 6801, additionally which states It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information again in any way. ( The Furnisher ( s ) of information to credit agencies ) is a financial institution which is defined under title 15 USC 1681 ss 604 ( a ) ( 2 ), stating that In general, to subsection c, any consumer agency may furnish a consumer report under the following circumstances and no other ; In ordinance with the written instructions of the consumer to who it relates [ Furnisher of information to credit agencies ) The financial institution and the consumer reporting agencies Equifax, XXXX, and XXXX do not have my consent ; written, unwritten, verbally, and non verbally, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose no public information to a nonaffiliated third party unless the CONSUMER is given an explanation of how the consumer can exercise that nondisclosure option ( Furnisher of information to credit agencies ) I was never informed of any of my rights nor my right to exercise my disclosure option at any given moment and time. Not only was this relative and the case, I would like to reference and acclaim 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years The account is an adverse item they are reporting, again, without my permission, thereby proving and showing that they are breaking the law and another law. 15 USC Code ss 1681s-2 ( A ) ( 1 ) ; A states and outlines, 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. XXXX5 USC Code ss 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to the limit the furnishing of consumer er reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining these procedure nor and reasonable procedures. Additionally, 12 CFR ss 1016.7 states that A consumer may exercise the right to opt out at any time. Therefore and within he scope of the laws and my rights, I am OPTING out of your reporting services by way of the laws and regulations. These agencies, persons, creditors, debt collection agencies, etc have been participating and maliciously have been violating my rights as a consumer without an opportunity to remedy these cases nor do they have the intention to remedy the circumstances and situation based on the repetitive actions that have been taken against me and my rights as a consumer.
Company Response:
State: WY
Zip: 82009
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: 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: WA
Zip: 984XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: TX
Zip: 77055
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Account Number XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Company Response:
State: FL
Zip: 33428
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: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I obtained my Equifax, XXXX, and XXXX credit reports online. There were Tax U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and frequently are, reported by third-party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The EQUIFAX, XXXX, and XXXX Credit Bureau need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per Federal Law, you have exactly 30 days to complete this investigation as outlined in the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission and Consumer Financial Protection Bureau. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX, XXXX, and XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Company Response:
State: WI
Zip: XXXXX
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: 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: 79912
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: I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.
Company Response:
State: AL
Zip: 357XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern : Re : Non-compliance with Rule 1002. Requirement of the Original Upon reviewing my consumer report, I discovered Equifax, LLC and several creditors are violating several laws. According to rule 1002, you must provide an original writing, recording or photograph which is required in order to prove its content, unless these rules or federal statute provides otherwise. I've contacted the companies requesting documentation of my alleged consent and to date, the company listed below have failed to provide me with the requested written authorization of the alleged initiated inquiries. The listed institution mentioned below are willfully violating my rights as a federally protected consumer ; rights that have been established by Congress. Considering I have not received any information from these companies, I have to assume the inquiries are unverified and therefore should be deleted according to 15 U.S. code 1681i. Pursuant to 15 U.S. Code 1681i, treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX look forward to receiving an updated copy of my credit report reflecting the deletion of ALL NON-ACCOUNT HOLDING INQUIRES. Thank you in advance.
Company Response:
State: PA
Zip: 19130
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 am following up and to bring to your attention a concerning matter regarding my credit report and the recent inquiry made by XXXX without my explicit consent.
Company Response:
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A