Date Received: 2024-01-20
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: 76020
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: You are reporting several inaccuracies in my consumer report pursuant to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You need my written consent to add anything to my consumer report since I did not give this authorization then you are in violation of the Fair Credit Reporting Act. Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. My rights to privacy pursuant to Violation of Privacy Act 1974-5 USC 552a , 16 CFR 313.1, 15 USC 1681c other adverse information, 12 CFR 1016.1 Privacy of Consumer financial info and 15 USC 1681b Permissible. I am relying on you to report with accuracy and fairness pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. It is imperative that you assist in protecting my right to privacy
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXXXX/XX/year> PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner. A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer. A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information. A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach. The engagement number Equifax assigned to me is : XXXX. Please help me delete these innacurate accounts from my credit reports. XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX I tried to apply for credit in XXXX because I lost my job during the Covid 19 pandemic but because my identity had been stolen I was not approved for credit to help pay my bills. That resulted in negative remarks on my credit report in addition to the identity theft. This remained the same in XXXX, XXXX and XXXX. ( I will attach some recent denial letters, copies of my FTC reports, etc. ) In XXXX I had to purchase XXXX XXXX to draft all of my letters to the bureaus. I also paid for various applications and subscriptions to be able to make my affidavit of identity theft, to scan documents for my FTC and CFBP reports, etc. I submitted a claim for the breach and I will attach a copy of that as well. ( CLAIM # XXXX )
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I trust this correspondence finds you well. I am writing to express my profound frustration and disappointment concerning the continuous presence of fraudulent items on my credit report, despite numerous attempts to address this issue through your dispute resolution process. I have engaged in a persistent effort to rectify this matter by submitting numerous dispute requests, each accompanied by thorough documentation and evidence establishing the fraudulent nature of the listed items. Unfortunately, these diligent attempts have proven ineffective, and the fraudulent items persist on my credit report. I urgently request the following actions be taken : XXXX an immediate, thorough, and comprehensive investigation into the fraudulent items listed on my credit report. Provide a detailed explanation for the repeated failures to remove the fraudulent items despite multiple disputes. Expedite corrective measures to rectify the inaccuracies and promptly update my credit report accordingly. Furnish written confirmation of the resolution, including a clear timeline for completion. In light of the ongoing challenges and the adverse impact on my financial standing, I insist on a resolution withinthe exact timeframe from the date of this letter. The persistent presence of these fraudulent items has caused significant distress, and a swift resolution is imperative. Failure to address this complaint promptly XXXX necessitate escalation to regulatory authorities, and I XXXX seek legal counsel to uphold my rights as a consumer. I trust in your commitment to upholding fair and accurate credit reporting standards and expect an immediate and decisive resolution to this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00} 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 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: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have XXXX days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within XXXX days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove a charge-off from my account with your company. I believe in fair and transparent financial practices, and I have been diligent in addressing this matter through various channels without resolution. I have made multiple requests to your customer service department, both over the phone and in writing, seeking assistance in rectifying the charge-off on my account. Unfortunately, despite my efforts and numerous promises from your representatives, the charge-off remains on my account. This persistent issue has not only caused undue stress but has also negatively impacted my credit score and financial well-being. I have attached copies of previous correspondences, including reference numbers and dates, for your review and reference. I understand that errors can occur in financial transactions, but the lack of resolution after repeated attempts is unacceptable. As a valued customer, I expect timely and efficient resolution to rectify this situation. I kindly request the following actions be taken promptly : Conduct a thorough investigation into the charge-off on my account. Provide a detailed explanation for the failure to remove the charge-off despite previous assurances. Take immediate steps to rectify the charge-off and update my credit report accordingly. Provide confirmation of the resolution in writing, including the expected timeframe for completion. I expect this matter to be resolved promptly, within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I trust that your commitment to customer satisfaction and ethical business practices will prevail, and I look forward to a swift resolution to this matter. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Opened XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, These Accounts are STOPING me from ability of getting a new house for my family. Account name : XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have to right for 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 ) Sections 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 crime 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: 31707
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Several demands over the past XXXX and you are still reporting several inaccuracies in my consumer report pursuant to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with my name many of them are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable and I have requested removal of these on several occasions and it is now evident that many of these inaccuracies reporting is intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. Inaccuracies are all throughout my consumer report with missing information and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Company Response:
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A