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 discovered that some of the information was erroneous. The 3 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 XXXX : {$250.00}.
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I trust this letter finds you well. I am writing to bring to your attention the ongoing issue of fraudulent items on my account with your company. Despite numerous attempts on my part to address and rectify this matter, I have faced significant challenges in having these fraudulent items removed from my records. The presence of fraudulent items on my account not only poses a serious threat to my financial well-being but also undermines the integrity of your company 's services. I am deeply concerned about the potential consequences of these inaccuracies, and it is disheartening to experience a lack of responsiveness in resolving such a critical matter. I urge you to conduct a thorough investigation into the fraudulent items on my account and take immediate action to rectify this situation. Furthermore, I request a detailed explanation for the delays in addressing this issue and seek your assurance that appropriate measures will be implemented to prevent similar incidents in the future. If this matter is not resolved within the exact timeframe from the date of this letter, I will be compelled to escalate this complaint by reporting the issue to relevant regulatory authorities and seeking legal counsel. 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
Company Response:
State: FL
Zip: XXXXX
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 hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the numerous attempts I have made to rectify the issue of a late open account with your company. Despite my persistent efforts to resolve this matter, I have not received the necessary assistance or cooperation from your team. This ongoing delay has not only caused inconvenience but has also had a negative impact on my financial standing. I believe in fair and transparent business practices, and it is disheartening to experience such a lack of responsiveness from a company of your stature. I kindly request that you investigate this matter promptly and take the necessary steps to rectify the late open account issue. Additionally, I expect a thorough explanation for the delays and a commitment to improving your customer service procedures to prevent such issues from occurring in the future. If this matter is not addressed within the specified timeframe from the date of this letter, I will be forced to explore alternative courses of action, including filing a complaint with the appropriate regulatory authorities and seeking legal counsel. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance : {$190.00}.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have recently reviewed my credit report and have found inquiries on my file that I did not authorize.
Company Response:
State: IL
Zip: 60625
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: Information belongs to someone else
Consumer Complaint: I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 33144
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: 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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXXXXXX XXXX XXXXXX/XX/2023. 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: NY
Zip: 11429
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: Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION 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, XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$7400.00} ; XXXX XX/XX/2023. 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: NY
Zip: XXXXX
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: I am writing to formally address a concerning matter related to my credit report. Despite several attempts to rectify the situation, there continue to be unknown inquiries on my credit file, negatively impacting my credit standing. I believe this is a serious violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting your prompt attention to resolve this matter. I have attached supporting documentation, including copies of my credit report highlighting the unknown inquiries and any correspondence related to my previous disputes. I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the unknown inquiries from my credit report. As per the FCRA, it is imperative that credit reporting agencies ensure the accuracy of the information they report, and the presence of unknown inquiries is a direct violation of this regulation. I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the unknown inquiries. Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Company Response:
State: MO
Zip: 631XX
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: Old information reappears or never goes away
Consumer Complaint: It seems that my credit with you has been compromised. I have noted that you are not eliminating items even when they are submitted with an FTC fraud report XXXX XXXXXXXX. Upon reviewing my records, I observed that the fraudulent items, which have never belonged to me, are still adversely impacting my credit records. Under section 605b of the FCRA, it is a legal requirement for you to remove these fraudulent items that are found to be opened due to identity theft. The disputed items unequivocally do not belong to me. I am attaching the required newly filed FTC Report XXXX XXXXXXXX and the necessary documents for identity verification. Please proceed to remove these fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 722XX
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: 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 XX/XX/2022 XXXX XX/XX/2022
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A