Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 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: TX
Zip: 77494
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: 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 Account Number:XXXX Account Name : XXXX/XXXX Account NumberXXXX Account Name : XXXX/XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number: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: MD
Zip: 206XX
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: Information belongs to someone else
Consumer Complaint: My information was sold 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 in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit score reports.
Company Response:
State: CA
Zip: 935XX
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: I am writing to bring to your attention certain inaccuracies on my consumer report. I have recently reviewed the report provided by the credit reporting agencies and identified errors related to credit card utilization and late payments. I believe these inaccuracies are adversely affecting my credit score. Per the Fair Credit Reporting Act '' 15 USC 1681 section 602 ( a ) 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 information. 15 USC 1681 ( a ) ( 4 ) states " 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. 15 U.S.C 1681a ( 2 ) ( A ) ( i ) states The term consumer report does not include ANY report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1681b ( a ) ( 2 ) states 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. 15 USC 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The Financial Institutions { XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. } and the Consumer Reporting Agencies Equifax, XXXX, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. { XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. never informed me of my right to exercise my nondisclosure option. These accounts are reporting adverse items without my permission which is against the law. 15 USC 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. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. My terms and conditions on my contracts state clearly that these companies will not report non-public personal information to non-affiliated third parties. I also discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. PRIVACY ACT OF 1974 ( 5 U.S. CODE 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. ( b ) Conditions of disclosure -- - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. As a bona fide purchaser acting in good faith I am giving you an opportunity to correct said mistakes and have all my accounts updated to paid as agreed under an open end consumer credit plan pertaining to 15 U.S. Code 1666 ( b ) Timing of Payments. All accounts should also be updated with proper utilization pertaining to 15 U.S Code 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report. REMOVE ALL LATE PAYMENTS - 15 U.S. CODE 1666b REMOVE ALL INACCURATE INFORMATION RELATING TO TRANSACTIONS AND EXPERIENCES - 15 U.S. CODE 1681a ( 2 ) ( A ) ( i ). 15 U.S. CODE 1681e ( b ) - Accuracy of Report 15 U.S. CODE 1681n - Civil Liability for willful noncompliance. 12 C.F.R. 1022.3 - Definitions 15 U.S. CODE 1681 c-2 - Block of Information resulting from Identity Theft. 15 U.S. CODE 1681o - Civil Liability for negligent noncompliance. 15 U.S. CODE 1681s-2 Responsibilities of furnishers of information to Consumer Reporting Agencies . PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ). 12 C.F.R 1016.1 - Purpose and Scope. 12 C.F.R 1016.4 Initial privacy notice to consumers required. 12 C.F.R. 1016.7 Form of opt out notice to consumers ; opt out methods. 15 U.S. CODE 6802 - Obligations with respect to disclosures of personal information. XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXXXXXXXXXX XXXX ACC # XXXX ; DEPT OF EDUCATION/XXXX ACC # XXXX. SECURITY AND EXCHANGE COMMISSION XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX. ( I.R.S. Employer Identification Number ) XXXX ( XXXX ) XXXX. XXXX XXXX XXXX - PRESIDENT AND CHIEF EXECUTIVE OFFICER AND DIRECTOR XXXX XXXX - EXECUTIVE VICE PRESIDENT, CHIEF DATA & ANALYTICS OFFICER XXXX XXXX XXXX - EXECUTIVE VICE PRESIDENT & CHIEF FINANCIAL OFFICER EQUIFAX INC. XXXX XXXX XXXX XXXX. XXXX, Georgia XXXX ( I.R.S. Employer Identification Number ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX - CHIEF ( PRINCIPAL ) EXECUTIVE OFFICER XXXX XXXX XXXX, XXXX - EXECUTIVE VICE PRESIDENT, CHIEF FINANCIAL OFFICER, CHIEF OPERATIONS OFFICER ( PRINCIPAL FINANCIAL OFFICER ) XXXX XXXX XXXX - CHIEF ACCOUNTING OFFICER, CHIEF OPERATIONS OFFICER ( PRINCIPAL FINANCIAL OFFICER ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX ( I.R.S. Employer Identification Number ) ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX XXXX XXXX XXXX - XXXX VICE PRESIDENT & CHIEF FINANCIAL OFFICER ( PRINCIPAL FINANCIAL OFFICER ) XXXX XXXX - CHIEF EXECUTIVE OFFICER ( PRINCIPAL EXECUTIVE OFFICER ) XXXX XXXX - CHIEF ACCOUNTING OFFICER ( PRINCIPAL ACCOUNTING OFFICER )
Company Response:
State: FL
Zip: 33069
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: Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax regarding their failure to address and rectify unauthorized inquiries on my credit report. I have attempted to resolve this issue directly with the credit reporting agency to no avail, and I am now seeking your assistance in resolving this matter. Details of the dispute are as follows : XXXX. On XX/XX/2023, I first contacted Equifax in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. XXXX. Subsequently, on XX/XX/2023, I reached out to Equifax again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. XXXX. Despite multiple attempts to engage with Equifax, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute. XXXX. Regrettably, Equifax has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being. Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that Equifax addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). Attached with this complaint, please find copies of all relevant documentation, including my previous communications with Equifax, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation. I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. If you require any further information, please do not hesitate to contact me. Thank you for your time and assistance.
Company Response:
State: TX
Zip: 77346
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: This is in reference to a bankruptcy that is reported on my credit report. XX/XX/23 - Sent letter advising that this account is not accurate, and to please remove from my report. Never received a response. XX/XX/23 - Sent a second letter letting them know that this is still showing negatively and inaccurately on my report and requesting for it to be removed. Still no response. XX/XX/23 - Sent a third letter advising that this is still on my report in a negative status, that I have never received any response and once again requesting this be removed from my report. Again, no response. XX/XX/23 - Sent letter requesting method of verification and if not able to provide this, to remove from my report immediately. Again, no response. XX/XX/23 - Sent letter of formal complaint that they are reporting inaccurate and unverifiable information on my report. I was demanding to see their verifiable proof and that if they couldn't provide this - to remove the account immediately from my report. - Once again, no response. XX/XX/23 - Sent last letter advising of the numerous times I have requested this account to be verified including the method of verification and the person with whom they verified it with - or to be removed. I let them know that if this was not done, I would be filing an official complaint with the CFPB - and that is what I am doing today.
Company Response:
State: WI
Zip: 535XX
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: 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 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 has violated my rights. 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 an 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: NC
Zip: 27526
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: 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: 77033
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Company Response:
State: NJ
Zip: 08723
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: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A