Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. I discovered unauthorized and fraudulent transactions on my account issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred. Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 75227
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX 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: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sending the complaint because I receive a letter from the bureaus saying I using credit repair company which is wrong. I'm sending letter on my own. I never use any 3rd party to file and send complaint This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Please delete. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Please delete. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Please delete. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} Please delete. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Please delete. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Please delete. Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} Please late payment status on my credit report. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX : Bankruptcy XXXX XXXX XXXX XXXX Please delete. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} Please delete. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} Please delete. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$600.00} Please delete. Pursuant to 15 USC 1681eb this account is in violation of maximum possible accuracy and 15 USC 1666b for violation of billing error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} Please late payment status on my credit report. This account is unknown and I did not authorize this account. It's an unauthorized account and it appears to be fraud. XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX. XXXX, XXXX Please delete. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete. This inquiry is unknown and I did not authorize this inquiry. It's an unauthorized inquiry and it appears to be fraud. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Please delete. .
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
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 discovered that some of the information was erroneous. The Equifax ad XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX, XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Dispute of Inaccurate Information and Unlawful Actions by XXXX XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX regarding their persistent reporting of inaccurate information on my credit report and illegal activity with my XXXX XXXX account XXXX XXXX Despite having previously disputed these inaccuracies with XXXX XXXX directly, as acknowledged in their email dated XX/XX/XXXX, the errors persist, and the bank has engaged in additional unlawful activities. On reviewing my account statements for XXXX and XX/XX/XXXX, I discovered that XXXXXXXX XXXX has erased these statements from my account, a clear violation of my rights and illegal under the Fair Credit Reporting Act ( FCRA ). This obstructs my ability to monitor my financial transactions and is unacceptable. Moreover, XXXX XXXX is reporting a XXXX missed payment in XXXX and a XXXX missed payment in XXXX, both of which are inaccuracies. I have evidence of a payment of {$2100.00} made in XXXX and {$370.00} made in XXXX. It is clear that XXXX XXXX has failed to update their records accurately and is misrepresenting my payment history. Furthermore, XXXX XXXX erroneously charged off my account in XX/XX/XXXX, even though payments were being made. According to the law, a charge-off can only occur after XXXX days of non-payment. XXXX XXXX XXXX premature charge-off is not only a violation of my rights but also indicative of their disregard for legal and ethical standards. In light of these egregious actions, I am including evidence of these illegal transactions and demand compensation of {$1000.00} for each illegal transaction committed. I also insist that XXXX XXXX rectify the inaccurate reporting on my credit report, updating the account to " paid as agreed in full with no late payments. '' If XXXX XXXX is unable to correct this information, I request the immediate removal of the account from my credit report. I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX for their violations. I appreciate your prompt attention to this issue and look forward to a resolution that upholds consumer rights. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXXXXXX XXXX XXXX XXXX regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of my credit report.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to express my deep dissatisfaction and concern regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist. I discovered unauthorized and fraudulent transactions on my [ credit card/bank statement/account ], and I promptly contacted your institution to report the fraudulent activities. Since then, I have made several attempts to rectify this situation, including reaching out to your customer service department, submitting detailed reports, and following the prescribed procedures for disputing unauthorized charges. Regrettably, my experiences thus far have been marked by a series of setbacks and a lack of progress in removing the fraudulent items. I would like to bring the following issues to your attention : Despite my detailed reports and supporting evidence, it appears that the investigation into these fraudulent transactions has not been conducted with the thoroughness and urgency required. There has been a lack of clear and consistent communication throughout this process. Timely updates on the status of the investigation and the actions being taken would have provided some reassurance during this stressful situation. To my dismay, the fraudulent items persist on my account, leading me to question the effectiveness of the measures taken to address the issue. I understand that addressing fraud cases is a complex matter, but as a concerned customer, I expect a higher level of diligence and commitment to resolving such issues promptly. I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX : {$45.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$4900.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX Bankruptcy Chapter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 76116
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A