Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Company Response:
State: CA
Zip: XXXXX
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 : Formal Complaint - Urgent Remedy Request for Updating Student Loan Status to " Paid in Full '' and Addressing Reporting Inaccuracies- Legal Support References Dear [ Credit Bureau Name ], I am writing to file an urgent formal complaint regarding persisting inaccuracies in the reporting of my student loans on my credit report. The inclusion of these loans from XXXX, XXXX, and the XXXX XXXX XXXXXXXX is appreciated, but the current status and associated reporting inaccuracies significantly impact my credit profile and financial standing. 15 USC 6801-6805 - Right to Financial Privacy Act ( RFPA ) : The RFPA safeguards the privacy of consumer financial records held by financial institutions. The inaccurate reporting of transaction history and failure to update the status of my student loans as " Paid in Full '' violate the RFPA and have immediate adverse effects on my creditworthiness. 15 USC 1681 - Fair Credit Reporting Act ( FCRA ) : The FCRA governs credit reporting agencies and creditors, emphasizing the accuracy and fairness of information provided to consumers. The misrepresentation of my student loan status and payment history constitutes a clear violation of the FCRA, impacting my ability to secure favorable credit terms. 15 USC 1602 - Truth in Savings Act ( TISA ) : TISA ensures transparent disclosure of terms and conditions of deposit accounts. Although not directly related to student loans, the principles of accurate disclosure and reporting in financial matters apply universally. 12 CFR 1026.3 - Truth in Savings Act ( TISA ) : This regulation further reinforces the need for clear and accurate disclosure of terms and conditions in credit transactions, providing additional support for my complaint. 16 CFR Part 313 - Privacy of Consumer Financial Information : These regulations supplement the FCRA and outline privacy requirements for financial institutions. The inaccurate reporting of financial information, including student loan transactions, directly violates these regulations, compromising my financial privacy. 16 CFR 433.1 and 433.2 - Preservation of Consumer Claims and Defenses : As the holder of a copy of the contract, I assert my rights under these regulations, demanding accurate reporting that reflects my true financial standing. 16 CFR 433.3 - Preservation of Consumer Claims and Defenses ; Open-End Credit : This section underscores the importance of preserving consumer claims and defenses in open-end credit transactions. The misreporting of my student loans negatively impacts my credit history and financial stability. Title 12 of the United States Code ( USC ) : Title 12, governing banking and financial matters, underscores the significance of accurate reporting and disclosure in financial transactions. The current reporting inaccuracies undermine the integrity of the financial system. Open-End Credit - Definition : The misrepresentation of my student loans, which fall under the open-end credit category, has immediate consequences on my creditworthiness ( see 15 USC 1602 ( j ) ). Accurate reporting is crucial to maintaining the integrity of my credit profile. Language Fraud Shall Not Be Committed Code : Any acts of language fraud, such as misrepresenting the terms of credit agreements, violate general principles of fairness and honesty in credit transactions. The misreporting of my student loans constitutes a breach of this code. The urgency of this matter is heightened by the fact that President Biden 's directives mandate the refunding of any forgiven student loan amounts to the student. The reporting inaccuracies hinder my ability to benefit fully from this relief, as the loans should be accurately reflected as " Paid in Full. '' I am requesting an immediate remedy to update the status of my student loans from XXXX, XXXX, and the XXXX XXXX XXXXXXXX to " Paid in Full '' and address the associated reporting inaccuracies. The impact of these violations on my creditworthiness and financial standing necessitates a prompt resolution. Additionally, as per applicable laws, I am entitled to compensation for any and all violations. Your immediate attention to this matter is crucial, and I expect a timely resolution within the stipulated time frame mandated by the FCRA
Company Response:
State: GA
Zip: 30909
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to bring to your attention an ongoing and concerning matter regarding the inaccurate reporting of late payments on my credit report. Despite my repeated efforts to address and rectify this issue, I have not received a satisfactory response, and I am compelled to formally dispute and request the immediate removal of these inaccuracies. Account Information : Account Holder Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXXXXXX Account Holder Name : XXXX Account Number : XXXX Date opened : XX/XX/XXXX Dates of Inaccurate Late Payments : XXXX I have been diligently working to resolve this matter, and it is disheartening to note that my previous attempts to communicate and rectify the inaccuracies on my credit report have not yielded the desired results. I am confused as to why my requests seem to be ignored, especially considering my status as a victim of inaccurate reporting. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the accuracy of the information they report. It is concerning that, despite my efforts to provide evidence and documentation supporting the inaccuracies in the reported late payments, my requests have not been addressed appropriately.
Company Response:
State: IL
Zip: 60108
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing this complaint to bring to your attention that there is inaccurate and incomplete credit information included in my credit report profile, and I believe that your bureau has failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports that are published. As per credit reporting laws, it is mandatory for bureaus to report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore, I would like to request a re-investigation of the following information that I believe to be inaccurate : XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$24000.00} and XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$18000.00}. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible. 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.
Company Response:
State: CA
Zip: 90274
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: FL
Zip: 347XX
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 appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. XXXX XXXX
Company Response:
State: FL
Zip: 34667
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: In accordance with the Fair Credit Reporting act. The List of accounts below violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. This also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681. ( 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: MI
Zip: 48111
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXX Education XX/XX/XXXX Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months Individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX 0 % {$18.00} {$1000.00} 120 Months XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 0 % {$31.00} {$1700.00} 120 Months Individual
Company Response:
State: NJ
Zip: 07304
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I want to emphasize that I am a victim of identity theft, and the presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have taken the necessary steps to dispute these inaccuracies, providing supporting documentation and evidence of the fraudulent nature of these accounts. However, my previous disputes have not been adequately addressed, and I am particularly puzzled by the Bureau 's request to extend the investigation period to 60 days. Despite this extended timeframe, there has been no resolution, and I am left in a state of confusion as to why my requests seem to be ignored or not properly addressed. XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure the accuracy of the information they report. It is disconcerting that, as a victim of identity theft, the fraudulent accounts are still tarnishing my credit report.
Company Response:
State: IL
Zip: 60108
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after violation. This is causing me stress because I have no hope with this system
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A