Date Received: 2024-01-20
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: NY
Zip: 14609
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX-Submitted claim online for the Equifax data breach settlement. Claim number is XXXX It was determined ( and I have the screenshot ) that my information was affected by the Equifax data breach. My information was stolen due to Equifax negligence. This account is reporting inaccurately and needs to be deleted : XXXX XXXX/XXXX These accounts have erroneously decreased my credit limit and has subsequently hurt me as I try to reconcile the fraudulent activity and get my accounts restored back as they should. These accounts are listed as follows : XXXX XXXXCredit limit needs to be restored/increased to {$18.00}, XXXX. Due to Equifax data breach, these accounts were closed by grantor and need to be re-opened and my accounts reinstated to the credit limit I had previously as I gave no instructions to close these accounts. They are listed as follows : XXXX XXXX-restored/ increased to {$4000.00} credit limit XXXX XXXX XXXX-restored/increased to {$700.00} credit limit XXXX XXXX XXXX XXXX XXXX-restored/increased to {$830.00} credit limit I did not give instructions for these accounts to be closed or for the credit limits to be negatively tampered with. None of these accounts need to be closed but they should be adjusted as stated so that it can report accurately. I had a phone call in XXXX where I could not get a lower interest rate on my mortgage with XXXX XXXX because they said my credit report reflected negative information. I could not get a XXXX car loan with low interest rates as requested in XXXX, because they said my credit report reflected negative information. In XXXX, I was denied a {$5000.00} XXXX XXXX XXXX XXXX XXXX because they said my credit did not meet qualifying criteria. In XXXX, both my car insurance premiums escalated with XXXX and XXXX. They stated it was because of data in my credit. Before the Equifax data breach, my credit scores were in XXXX range. Now it is ranging between XXXX and XXXX because of the erroneous credit reporting, fraudulent activity, and other unknown reasons that I can only attribute to the data breach.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
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: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In the month of XXXX or XXXX of XXXX XXXX XXXX XXXX XXXX ( address : XXXX XXXX XXXX, XXXX, FL XXXX ) was added to my Equifax and XXXX Credit Report with a delinquent balance of XXXX. When this happened, I contacted the company ( XXXX XXXX XXXX ) who continued to state that I owe and or own the Resort. I've spoke with them and different attorneys ( but not represented ) which advised me to dispute the action with supporting documentation reflecting that this is not my debt or property. I disputed the action twice with XXXX and Equifax, however recently this debt has appeared on my XXXX account as well. I've made it very clear with supporting document showing that I did not purchase, nor do I own this Resort at any time in my life. I have never purchase nor sign any documents to purchase this or any other Resort at any time however I do have a ex-wife ( owner ) who already owned this Resort years before our meeting, and this is where we spent the honeymoon in XXXX of XXXX but I did not sign or co-sign with her or for her, for purchase or upgrade. During the divorce we verbally agreed that we would finalize any and all finical obligation between us with no interruptions however I did have her signed a agreement prior to our divorce concerning the XXXX XXXX Account because they started calling me sometime in XXXX, after our legal separation. Again, XXXX XXXX was bought by my ex-wife before I meet her sometime in XXXX or XXXX and she ( or the company ) upgraded the account in XXXX. Never has this Company obtain a Credit Report from me ( by my permission ) for my own purchase nor to add me to the financial obligation or deed. This account was not reported on my Credit Report in the year of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and for XXXX or XXXX of the months in XXXX. Then XXXX years ( and more ) after the opening of this XXXX XXXX XXXX Account ending in XXXX, it suddenly appears on my Equifax, XXXX and now XXXX Credit Reports. This account number that was associated with my e name and Social Security Number ( as reflected with the legal IRS Form 1098 ) mysteriously in XXXX, suddenly reflects my name and SSN ( with the same XXXX Account Number ending in XXXX ). I believe that my identity has been illegal used and signature has been forged in order to put this in my name to release the original owner of the debt and relationship with XXXX XXXX XXXX XXXX. This is a false and forged action not only by signatures but also by residential address. At least two address were used as well and listed on my Credit Report in which I've never known about or seen until their appearance on my credit report. XXXX XXXX XXXX has never sent me mail or certified mail at any of my actual address concerning this manner. Since the year of XXXX XXXX XXXX XXXX has harassed me by phone and email concerning this debt, in which I referred them to the owner. They did continue to call me but I did not answer. They did email me trying to convince me to sign documents agreeing to owning or selling to release myself from the debt but I told them Im not the owner. This has been going on since XXXX and I've been fighting with XXXX XXXX XXXX for almost XXXX years and Credit Bureaus for close to XXXX years. This XXXX XXXX XXXX XXXX has now been foreclose in my name on XXXX of XXXX. I've attempted to resolve these issue in many different direction with you being the last along with a few other agencies to insure that the correct actions take place and are finalized and reported.
Company Response:
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear equifax & XXXX XXXX XXXX XXXX To Whom It May Concern : This account was opened XX/XX/XXXX closed XX/XX/XXXX & reopen XX/XX/XXXX. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in XXXX. There comment of dispute in progress not on file thats a violation & its been over XXXX days. XXXX for proof Documents of me signing or payment history Inaccurate late payments XXXX. XXXX other XXXX these are closed accounts so they cant change them. The collection actually just have XXXX not XXXX or XXXX days only XXXX. XXXX XXXX has XXXX & XXXX & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX, I circle all these inaccurate things on these reports. Need fixed or deleted many inaccurate items i circled ALSO COULDNT PROVIDE ME ANY BANK DOCUMENTS. This is wild but everything in XXXX
Company Response:
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Items on my credit file are inaccurate and have not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies for these debts nor can they place any item on my credit file. No Validated Proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND NET. TO INCLUDE : XXXX EQUIFAX XXXX ACCOUNTS IN DISPUTE : XXXX XXXX XXXX-Collection Account-No Signed Contract with this company to validate. XXXX XXXX-Collection Account-No Signed Contract with this company to validate. XXXXPaid in full/No lower settlement amount was agreed on. PAID FULL AMOUNT OWED-NOT a Collection-Charge-Off. There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. This is harming my credit and has been detrimental to my credit file.
Company Response:
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
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: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been back and forth with Equifax for since XXXX. They only do a portion of what I request then don't respond/ignore my other requests. I have XXXX accounts reporting inaccurate and negative information that is causing me great harm. I need these accounts deleted and removed immediately as I have no business with them and they are absolutely due to Equifax 's negligence in keeping my consumer information private. These accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I sent letter asking for removal of these accounts on XX/XX/XXXX. I have also tried to call multiple times and have encountered and endured long wait times with no resolution. This happened several times in XXXX. I have asked for my credit FILE as well as my credit report in the past. They have only sent my credit report. I would like to attain my credit file. Additionally, I can not access a downloadable version of my credit report from my equifax. When trying to go through free annual credit report, I can not get my credit report from equifax there either. This needs to be rectified immediately. I have reported Equifax to CFPB in XXXX. I will include in the attachments. Most of what I asked they continued to report fraudulent accounts as mine as I told them they were not mine. I asked for proof that they were mine. They ignored the question. I have sent an invoice for the violations they have tallied up against me. The number in XXXX was approximately XXXX violations and I invoiced for {$40000.00}. I have also submitted a claim online for the Equifax XXXX XXXX XXXX. I did that on XXXX. The claim number is XXXX.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax data breach I want these items deleted from my credit reports 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 reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file your complaint with the CFPB.
Company Response:
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A