Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine. I have listed the inaccurate in XXXX and sent it to the Bureaus. Please see the attached file on this complaint
Company Response:
State: OH
Zip: 44128
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 XXXX Equifax XXXX XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!
Company Response:
State: TX
Zip: 75287
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: Two credit reporting agencies are reporting incorrect information on my credit report. They are reporting a Bankruptcy that is not mine. I sent them what I found on file under my name, but it is not my bankruptcy. The address on the Bankruptcy petition is not my address and I sent them the petition. I asked them to validate the information they have and sent my identification and notarized each letter.
Company Response:
State: NY
Zip: 11433
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: 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. 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: 30316
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: Identity information was sold and bought illegally because I was a victim of the Equifax data breach I want these items removed off my credit report immediately I am attaching proof that Equifax admits that I was in fact a victim of this data breach and Equifax has done nothing please help me delete these negative items off my credit report thank you
Company Response:
State: TX
Zip: 75002
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: Their investigation did not fix an error on your report
Consumer Complaint: I filed a dispute with Equifax & XXXX against a collection agency called XXXX collection agency original creditor was XXXX XXXX. I have two accounts with this same creditor, One account is XXXX Account number XXXX and XXXX XXXX account number ending in XXXX. The second account number is XXXX account number XXXX and XXXX XXXXXXXX account number ending in XXXX. I filed a dispute because XXXX XXXX XXXX XXXX negotiated a settlement with them for a lesser amount. I provided Equifax and XXXX with the Settlement letter provided from XXXX directly stating that XXXX account number XXXXXXXX XXXX XXXX number ending in XXXX was originally {$670.00} and they agreed to accept {$310.00} per their letter to XXXX XXXX XXXXXXXX XXXX provided me the settlement letter and I sent over with my dispute that the amount is incorrect on my report and that I have made 3 payments to this date and they are reflecting no payments and the amount owed is incorrect. The same exact thing was done with XXXX account number XXXXXXXX XXXX XXXX account ending in XXXX. The dispute was made, stating the amount is incorrect and payments are not being reflected on my accounts. Equifax sent me a response back stating the creditor told them they were reporting this correctly despite my documentation I provided. Regardless if they have the amounts incorrect they are not posting my payments which is against the law. I contacted Equifax to find out what the problem is and what documentation is the creditor providing to prove they are reporting correctly. They refused to give me that information so I asked if they actually provided documentation or did they just call them to ask if they were reporting correctly, they refused to give me that information as well. I then proceeded to ask them if the documentation I provided even mattered, and the said NO, it only mattered if the creditor stated they were reporting correctly. I explained that I provided a settlement letter directly from XXXX stating the agreement and it shouldn't matter what they say on the phone that I have it in writing and they are not reporting the correct information. They stated I needed to contact the creditor myself and that they can not do anything to change the report. I asked for a supervisor, they kept me on hold for an hour, the next person stated he was a supervisor named XXXX and he basically told me the same thing and refused to do anything about my report. I asked where they were located and if they were in the United States because everyone I had spoken to had very broken English, and he refused to tell me if they were in the United States, he stated he did not care that I had documentation and that they believed the creditor over me but couldn't and wouldn't tell me if they have documentation to prove they were reporting correctly. I told him it is illegal for them not to be reporting my payments each month and he stated he did not care, and proceeded to talk over me. I then asked for someone over him as I contacted your office They hung up on me multiple times, and on the final call he put me on hold for a supervisor, another long call, the lady came on stated that I have exceeded my hold time and that I would have to call back? Who does that? Especially a company that is handling all our critical, vital credit information? All of this is recorded on their end but I doubt they will provide all of the portions of the call. Regardless they were unprofessional and were not abiding by the law because I have been making payments which were not reflected on the report which they must report every month, and the amounts were incorrect per XXXX 's settlement letter. I have attempted to contact XXXX 10 times today XXXX and left a message at XXXX Central time with the information and nobody has called back. I keep calling and they will not let you hold for a person longer than a few minutes and then XXXX disconnects the phone call. Equifax if their call center is not located in the United States we could have some serious security breaches because they have everyone 's social security information and basically everything about everyone, but if they are located in the US then they are extremely unprofessional with the constant hang up 's, stating my hold time has exceeded their acceptable hold time which is ludicrous because is that not what they are here to do is correct our incorrect information which brings me to the fact they basically disregarded my documentation from the collection agency that was written in their ( XXXX ) own words that there is a settlement! What else do I need to do to get my report corrected when I have documentation directly from the collection agency? Equifax does not care about our credit information as they told me on the phone. This is unacceptable from a credit reporting agency and very unprofessional for a company in general regardless. Equifax should not be handling people life long information if they are going to be that unprofessional!
Company Response:
State: OK
Zip: 74137
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: Subject : Request to Block and Delete Fraudulent Accounts Due to Identity Theft Under 15 USC 1681c-2 ( a ) Dear Equifax Team , I am reaching out to urgently address a critical matter on my consumer credit report. Upon reviewing my credit report, I identified several unauthorized accounts that I believe are a result of identity theft. These accounts are : 1. XXXX XXXX XXXX XXXXXXXX - No account number reported, opened XXXX, with a balance of {$86.00}. 2. XXXXDEPT OF ED - Account ending in XXXX, opened on XX/XX/XXXX, with abalance of {$220000.00}. 3. XXXX XXXX XXXX - Account ending in XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}.
Company Response:
State: GA
Zip: 30141
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: Recently I decided that I would keep a closer eye on my credit. When I first looked I was freaked out to find that there were some MAJOR errors on my report. My rights and privacy are being violated and it is causing a major riff in my life ; I have been unable to focus at work, because this is dominating my thoughts day in and day out and I need help
Company Response:
State: FL
Zip: 34787
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: I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statutes. I believe it is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. I have previously contacted your agency through multiple letters regarding the following concerns : XXXX. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. XXXX Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. 3. Personal Information : The reporting of personal information such as names, addresses, phone numbers, and employers is incorrect. I assert that the entities providing information to credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 4. Revocation of Consent : I hereby revoke any forms of consent, be it verbal, non-verbal, written, or implied, for the Furnishers to furnish my information. XXXX. Non-Disclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 6. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). 7. Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 U.S. Code 1681s2 ( A ) ( 1 ). XXXX. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my credit profile with XXXX, Equifax, and XXXX. XXXX. Removal of Credit Utilization : The credit utilization information should only show the amount of the credit line, not the utilization level. Immediate update across all three credit agencies is requested. XXXX. Correction of Personal Information : I request the correction of personal information to reflect only one name on my report ( XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX TX XXXX ), one phone number ( XXXX ) and no employers. XXXX. Deletion of Personal Statement on XXXX, Equifax, XXXX Report : I request the immediate deletion of the personal statement on the XXXX, Equifax, XXXX XXXXnsumer report and the balance of credit scores. 12. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Equifax, and XXXX systems concerning my consumer report. XXXX. Compensation : I request {$1000.00} per violation in accordance with applicable laws. I appreciate your prompt attention to this matter. Please investigate and resolve these issues within the required time frame as per FCRA guidelines. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 78415
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: I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. I have disputed these inquiries providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A