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 immediate attention the presence of fraudulent accounts on my credit report, which I believe have been included in error. I demand that you investigate and rectify this situation with utmost urgency and aggression. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Upon reviewing my credit report, I discovered several accounts that are not legitimate and were opened without my knowledge or consent. The inclusion of these fraudulent accounts is not only damaging my credit score but is also an alarming breach of my financial security. XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!! It is imperative that you delete these fraudulent accounts from my credit report immediately, as they are tarnishing my creditworthiness and causing me undue distress. I expect you to exercise due diligence in this matter and resolve it in the shortest time possible. Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that inaccurate and fraudulent information be promptly corrected. Failure to comply with these regulations will result in legal action being taken against the credit bureau. I insist on receiving regular updates on the progress of your investigation and the actions taken to remove the fraudulent accounts from my credit report. Any delay or negligence in addressing this matter will be considered a violation of my consumer rights. Please treat this dispute with the urgency and severity it deserves.
Company Response:
State: CA
Zip: 94122
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: Old information reappears or never goes away
Consumer Complaint: CREDIT REPORTING AGENCIES Each year I request my consumer reports from Equifax, XXXX, and XXXX. I request updates but to no avail. Its not only frustrating but a waste of time and money to ask repeatedly for the same information to be either verified, removed, and/or updated. Especially sending an Affidavit of Identity, and copies of two ID cards to verify myself as the consumer. a. My request is to have All three agencies update the following information : 1 ) Name : XXXX XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX ) Employer : XXXX XXXX XXXX XXXX ( 1 ) Reinserted an address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that was deleted some years ago. ( Ref. FRCA ( a ) ( 5 ) ( b ) ( ii ) ). ( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. ( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. ( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. ( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) ( 6 ) Thirty-three ( 33 ) inquires on my credit report without written permission. ( Ref Privacy Act 1974 ) ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs. XXXX XXXX ( XXXX ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs. ( 2 ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. ( 3 ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. ( 4 ) XXXX XXXX account # XXXX was paid I in full in a settlement. ( 5 ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) d. Equifax ( 1 ) Reinserted an address ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that was deleted some years ago. ( Ref. FRCA ( a ) ( 5 ) ( b ) ( ii ) ). ( XXXX ) Reporting accounts ending in XXXX, XXXX, XXXX as income ; Account XXXX XXXX XXXX XXXX is being reported as income. ( XXXX ) XXXX XXXX XXXX account # XXXX was paid in full in a settlement. ( XXXX ) XXXX XXXX account # XXXX was paid I in full in a settlement. ( XXXX ) XXXX XXXX XXXX XXXX RE-AGED ACCOUNT # XXXX ; Account was opened in XXXX ( XXXX XXXX ) with the last payment being listed as XX/XX/XXXX ; the same day the XXXX XXXX account number XXXX was opened. ( Ref. FCRA sec 605 ( c ) ) ( 6 ) Thirty-three ( 33 ) inquires on my credit report without written permission. ( Ref Privacy Act 1974 ) ( 1 ) Reported a name XXXX XXXX. I requested that ALL personal information be updated to the information listed above. DO NOT USE AKAs.
Company Response:
State: NC
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: 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. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has viold my rights. Or a list of inquiries : 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: 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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33033
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 hope this communication finds you well. I am writing to express my deep concern and frustration with the unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple efforts to address this issue, the resolution process has proven to be challenging and unproductive. I discovered unauthorized and fraudulent transactions on my account, which has caused significant distress and inconvenience. Since then, I have been diligently working to rectify this matter by contacting your customer service department on [ dates of contact ]. Regrettably, each attempt to resolve the issue has been met with limited success. I understand that fraud-related matters require thorough investigation, and I appreciate your commitment to addressing such concerns. However, the lack of progress and effective communication has left me feeling dissatisfied and vulnerable. I kindly request the following actions to be taken promptly : A comprehensive and expedited investigation into the fraudulent items on my account. Clear and transparent communication about the steps being taken to address and rectify the fraudulent transactions. Timely removal of the fraudulent items and restoration of my account to its rightful state. I expect a resolution to this matter within the exact timeframe from the date of receipt of this letter. It is crucial that the necessary measures are taken to ensure the security of my account and to prevent any further unauthorized transactions. If the issue persists without a satisfactory resolution, I may have no choice but to escalate this matter further, including involving 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, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00}.
Company Response:
State: FL
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: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX 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 and XXXX XXXX XXXX XXXX , is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX and the above mentioned, the financial institutions and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they never had my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX and the above mentioned whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' All the above Furnishers of information to credit agencies never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I will persue a lawsut for monitary relaif for these violations per 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they willfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, willful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so they are aware that they are breaking the law. I demand {$30000.00} for these violations. i have been injured as a result i suffer financial loss, embarrassment, loss of apatite, rejection from acquiring things to live my life in the pursuit of happiness, and liberty.
Company Response:
State: MN
Zip: 55311
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXXXXXX 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: XXXX submitting today a complaint 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 and 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 are being posted to my report. Here is the list of items which 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IN
Zip: 46530
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: To whom it may concern : I am writing this letter in accordance to the fair credit reporting act 15 USC 1681 section 602. 15 USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercised a gray responsibilities with fairness impartiality and respect for the consumers right to privacy. There is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is back by 15 USC 6801. XXXX XXXX, Equifax and XXXX are consumer reporting agencies and I am the consumer and I have been willfully violated by the noncompliance of the law. 15 USC 6801 states it is the policy of the Congress, that each financial institution as an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security and confidentialities of those customers nonpublic personal information. XXXX, XXXX XXXX XXXX NOT ME XXXX XXXX XXXX XXXX XXXX XXXXNOT ME XXXX XXXX XXXX XXXX XXXX XXXX ME Inaccuracies 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accurate information The entities listed below are furnishings of information to credit agencies. 2nd income.. fraud/ false information Distribution solutions for XXXX XXXX XXXX XXXX, NJ XXXX. Inaccurate information. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hard inquiry, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are financial institutions by definition under that title, 15 USC 1681 section 604 section 2 states that in general subject to subsection see any consumer reporting agency may furniture, consumer report under the following circumstances, and no other in accordance with written instructions of the consumer, to whom it relates the financial institution and the consumer reporting agencies, XXXX XXXX Equifax and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX XXXX, Equifax, or XXXX whether by verbal, nonverbal, written, implied, or otherwise is revoked. According to the FCRA 15 US C 6802 ( b ) ( c ) states a financial institution, may not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option XXXX XXXX XXXX Equifax, or XXXX never informed me of my right to exercise my non-disclosure option. also backing that law XXXX5 USC 1681C ( a ) ( 5 ) states I except as authorized under subsection be 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, with antedates the report by more than seven years these accounts are adverse items. They are reporting again, without my permission, which is against the law. 15 USC 1681 s-2 ( A ) ( XXXX ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows that has reasonable cause to believe that the information is inaccurate. With all the misspellings and inaccuracies is present in the credit reports from those credit reporting agencies, they will fully know that there is incorrect and in accurate information. Are 15 USC 1681e says and I quote every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title, and to limit the furnishing of consumer reports to the purposes listed on the section 1681 be of this title XXXX XXXX, Equifax, and XXXX Im not maintaining reasonable procedures. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states a consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Opt out of inquiries 15 USC 6802-6805 12 CFR 1016.1 Privacy act of 1974 The remedies for these violations will be : immediate deletion of the accounts and 1000 per violation of the FCRA per month recorded. These reports have violated. My American dream have kept me from financial freedom. They have caused me hardship and undue stress, not to mention the anguish of rejection for Credit, I wish to remove any old or duplicate addresses from my report. They are all non-mailable addresses remove any old or duplicate phone numbers. They are all noncontactable numbers, remove any variations of my name. That are incorrect they maybe even identity fraud. I have no middle name. At this time I wish to opt out of the following agencies, XXXX XXXX XXXX, XXXX otherwise known as ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, as well as XXXX XXXX XXXX PLEASE UPDATE ME AS SOON AS POSSIBLE. IF I DO NOT HEAR FROM YOU WITHIN TWO WEEKS, I WILL FOLLOW UP WITH THE PROPER AUTHORITY.
Company Response:
State: NJ
Zip: 07206
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dispute letters were sent to both Equifax and XXXX regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. I've sent 3 dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part. If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by Equifax and XXXX are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe Equifax is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A