Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account is reported as completely incorrect. I will attach proof of payments for as far back as my bank can pull statements for the reported late payments, but the last state of activity, the last state of payment, the payment history, the account balance, everything on this credit item on my credit report looks to be incorrect.
Company Response:
State: KS
Zip: 66604
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: Account information incorrect
Consumer Complaint: I am including XXXX and XXXX in this complaint because I am receiving a similar response from all three credit reporting agencies for years now and have spent thousands trying to rectify their errors. On the XXXX of XXXX of 2023 I filed a complaint against Equifax with the CFPB because for the past 2+ years I have repeatedly disputed accounts that are incorrect, incomplete and or not mine along with documents showing that the information is inaccurate, incorrect and or not mine, including Equifax own admission that my information was compromised in Equifaxs recent data breach. This morning I call Equifax to inform them once again that the information they are reporting on my consumer file regarding all XXXX XXXX XXXX, is inaccurate, incomplete and/or not mine. I requested that they send me the investigation results they obtained from the furnishings company verifying the disputed accounts are in fact verified as they claim. I was disheartened and disappointed to learn that not only did Equifax close my previous dispute with no reinvestigation leaving the disputed accounts still reporting but was also told that Equifax does not verify the account is accurate, complete and verified themselves but relies on the company that is paying Equifax to determine whether or not the information they are furnishing is verified. This has been going on for years and continues to damage my reputation and livelihood. I have sent Equifax proof that these accounts are inaccurate, incomplete and or are not mine in addition to the same account double reporting and reporting to other credible reporting agencies under a different name account information. Equifax continues to do nothing but claim they will respond and then sends an irrelevant automated letter in the mail. I have attached a copy of the proof sent by XXXX which clearly shows information that does not belong to me. These documents include a different name, different ID, different address, different phone, different email, different state and no signature and no mention of a loan with either company and shows a document that could easily be filled in online, printed and mailed by anyone. I asked the company for a copy of the loan and promissory note and neither were provided. Equifax, XXXX and XXXX have failed to truly reinvestigate to insure the information being furnished by these companies is mine and accurate and complete. I am attaching a copy of the companys and Is correspondence in addition to the original complaint filed on the XXXX of XXXX, 2023. Additionally, I have repeatedly reached out to XXXX and have ONLY heard back from XXXX. XXXX and XXXX have no business with me and I do not owe them a dime. They are using information that does not belong to me in an attempt to verify these disputed accounts. Additionally they are reporting the same accounts, it would appear, 7-8 times on two of the three agencies and with inconsistent information across the board. How is this allowed, how is this VERIFIED of UPDATED?
Company Response:
State: AZ
Zip: 85041
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 a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: CA
Zip: 95376
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
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: 2024-01-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Per FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and non-verbal per 15 USC 6802. In accordance with the Fair Credit Reporting act. The List of accounts and addresses 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 ( AN ( 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: KY
Zip: 402XX
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: Account information incorrect
Consumer Complaint: XXXX, XXXX, EQUIFAX is breaking the consumer law pertaining to : XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX CARD HOLDER
Company Response:
State: GA
Zip: 30318
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: 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Company Response:
State: AZ
Zip: 85008
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response:
State: TX
Zip: 77041
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: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). These accounts I am demanding your PROOF, you legally HAVE to provide to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. You have failed to provide any PROOF of validation to me. Best Regards, XXXX XXXX
Company Response:
State: TX
Zip: 76052
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: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A