Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This complaint involves the following parties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that Ive already tried repeatedly to resolve these issues ( with all parties ) via certified mail before filing this CFPB complaint. Summary of Problem / Complaint Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX is committing securities fraud and willfully violating the Fair Credit Reporting Act by furnishing false, inaccurate, non-public information to non-affiliated third parties ( specifically credit agencies XXXX, XXXX and EQUIFAX ). XXXX XXXX XXXX XXXX a written request to OPT-OUT ( per 15 USC 6802 and 16 CFR 313.7 ) via certified mail back in XXXX XXXX XXXX, which XXXX ignored. Included in this same round of certified mail was also a notorized affidavit from XXXX XXXX detailing 16 different statements of fact which XXXX also ignored and did not respond to. Rather than conducting a reasonable investigation into XXXX XXXX concerns and addressing the 16 specific issues listed, XXXX XXXX XXXX mailed back a generic response letter XXXX XXXX XXXX XXXX XXXX XXXX addressed to XXXX XXXX XXXX stating that they investigated the concerns and determined that no billing error occurred because their records indicate the credit reporting regarding this account is accurate ; despite XXXX XXXX having documented over 48 factual discrepancies and FCRA violations at that time. This generic response letter from XXXX also listed a total outstanding balance of {$590.00} despite this account having been charged off and closed in XXXX. Theres no way a closed/ charged off account can still have an outstanding balance in XXXX. In addition to this generic response letter, XXXX attached a copy of the accounts transaction history which shows that the account accrued finance charges and a currency conversion fee in XXXX ( despite XXXX reporting that this account was charged off in XXXX ). Again, once an account is charged off, that account is considered XXXX. So theres no way an account that was closed/charged off in XXXX could suddenly be accruing finance charges and currency conversion fees one year later in XXXX. XXXX XXXX has sent multiple rounds of certified mail to XXXX in an attempt to resolve this matter in good faith outside of court ; this certified mail has included a formal cease and desist letter, a follow up estoppel letter and letter of demand with invoice, yet XXXX willfully persists in furnishing false information to the credit agencies ( violating 15 USC 1681s-2 ) as well as the Privacy Act of 1974, the Truth in Lending Act and the Securities Exchange Act of 1934. XXXX XXXX has also repeatedly notified the credit agencies XXXX, XXXX and EQUIFAX via certified mail about this matter, sending them formal cease and desist letters, estoppels and letters of demand with invoices, yet all three credit agencies continue to willfully report this false, inaccurate, non-public information ( furnished to them from XXXX ) despite the ongoing factual discrepancies that they have been notified of time and time again. Rather than conducting reasonable investigations into the matter, XXXX, XXXX and EQUIFAX conducted superficial examinations based on presumption ( not proof ) that XXXX was telling the truth without requiring XXXX to provide actual account documentation that could be verified. This is a violation of the Fair Credit Reporting Act ( 15 USC 1681i ). XXXX XXXX has attached his most recent XXXX report XXXX XXXX XXXX XXXX XXXX XXXX to this CFPB complaint which shows side by side that all three credit agencies are reporting wildly different information in regards to this XXXX XXXX XXXX, XXXX and EQUIFAX are reporting different high balance amounts, different dates of last activity, different dates opened, and all list a current balance owed while simultaneously reporting that this account was closed/charged off. Theres no way a closed/charged off account still has an active balance. XXXX, XXXX and EQUIFAX should all be reporting the same information for this XXXX account, yet they are not. This is proof that XXXX, XXXX and EQUIFAX are not doing their due diligence in verifying the maximum possible accuracy of the information being furnished to them by XXXX. This also shows that the credit agencies are not exercising their grave responsibilities with fairness, impartiality and respect with the consumers right to privacy, thus impairing the efficiency of the banking system and undermining public confidence ( 15 USC 1681 ). This is grounds for immediate deletion of this XXXX account from all of XXXX XXXX credit reports ( per 15 USC 1681i ). Per 15 USC 6805, it is now the CFPBs responsibility to enforce compliance in this matter and see to it that XXXX XXXX credit reports are promptly corrected and that XXXX XXXX is now compensated for FCRA violations in the amount of {$1000.00} per violation ( per 15 USC 1681n ). Please see the attached documents which include notices of default and opportunities to cure. XXXX XXXX has also attached updated invoices addressed to XXXX, XXXX, XXXX and EQUIFAX. XXXX XXXX has repeatedly attempted to resolve this matter in good faith for over a year now. This will be his last attempt to settle outside of Federal court where XXXX not only be seeking compensation for FCRA violations, but also attaching claims for securities fraud and damages upwards of 4 times what hes requesting compensation for at this time. In conclusion, the outcome desired is that this XXXX account should not be showing any transaction history ( including late payments and charge-offs ). Transactions are not allowed to be included in consumer reports ( per 15 USC 1681a ). Also, 15 USC 1666b makes it clear that payments on a consumer credit plan can not be marked as late for any purpose. Additionally, charge-offs are considered certificates of indebtedness ( which the IRS considers income per publication 4681 ), so charge-offs are also not allowed to be reporting. The only thing XXXX XXXX, XXXX and EQUIFAX have XXXX XXXX permission to report is that this account was PAID IN FULL, ON TIME, AS AGREED. No adverse information should be reporting. Any information beyond this would be considered furnishing a deceptive form with the intent to mislead the public ( 15 USC 1692j ). From the beginning, XXXX engaged in contract and securities fraud. XXXX used misleading and deceptive language and practices to elicit a signature for an alleged purchase money loan, but XXXX XXXX never recieved any cash advance in exchange for finance charge ( 16 CFR 433.1 ). Instead, XXXX conducted a consumer credit transaction whereby XXXX XXXX signature was used ( without his full knowledge and understanding ) to securitize a bond on a promissory note which is now an obligation of the United States ( per 18 USC 8 ). This was a violation of 17 CFR 240.14a-9 and 17 CFR 240.15c1-2.
Company Response:
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Company Response:
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Peruse the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are erroneously reported as late.
Company Response:
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX are being reported negatively on my credit file and should not be. These are fraud charges and accounts and have been notified of such multipole times now. these accounts do not belong to me.
Company Response:
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address and request the immediate correction/removal of late payments on my credit report. After reviewing my credit report, I noticed inaccuracies that are adversely affecting my credit standing. The late payments in question are associated with the following accounts : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative. XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself oXXXX XXXX XXXX XXXX customer service representative XXXX XXXX XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX XXXX customer service representative. XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit history. I have thoroughly reviewed my financial records, and I am confident that these late payments are inaccurately reported. I kindly request that you investigate and correct these errors promptly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough and reasonable investigation into these disputed entries within the legally mandated 30-day period. Please remove or correct any inaccurate information on my credit report and provide me with written confirmation of the changes made. I have enclosed copies of relevant supporting documentation, including bank statements or payment records, to substantiate my claim. I trust that these documents will assist you in expediting the resolution process. Your prompt attention to this matter is greatly appreciated. I kindly request that you notify me in writing once the investigation is complete and the necessary corrections have been made to my credit report. If there are any additional steps or information required from my end, please do not hesitate to contact me. Thank you for your prompt assistance in resolving this matter.
Company Response:
State: CA
Zip: 90047
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: THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : 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: CA
Zip: 91331
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: I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 339XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXX XXXX XXXX XXXX. I have reached out to XXXX XXXX regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.
Company Response:
State: NY
Zip: 10977
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: My information was sold and bought illegally because i was a victim of XXXX XXXX data breach. I want these items deleted form my credit report immediately. ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX and Acct # XXXX XXXX XXXX XXXX XXXX I am attaching proof that XXXX XXXX has admitted that I was in fact a victim of this data breach and has done nothing. Please help me deletes these illegal accounts from my credit report.
Company Response:
State: TN
Zip: 380XX
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: I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX
Company Response:
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A