Date Received: 2024-01-02
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 XXXXXXXX XXXX informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.
Company Response:
State: MI
Zip: 48083
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to address several critical discrepancies and concerns regarding financial transactions with XXXX XXXX XXXX, identified through an extensive review of relevant legal statutes and financial practices. The outlined issues require immediate attention and resolution : Misrepresentation and Legal Compliance : Discrepancies observed in contractual language referencing the Treaty of Paris of 1783 and the classification of Americans as " citizens. '' Lack of clarity regarding the compliance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ). Financial Transparency and Reporting : Inadequate disclosure of disaggregated revenue by customer type pursuant to IFRS 15.114 and 115. Absence of detailed information in contract liabilities, remaining performance obligations, and unrecognized revenue, as mandated by IFRS 15.120 ( b ). Ambiguities in Contractual Clauses : Unilateral clauses and ambiguous terms such as " LATE CHARGE, '' " DEFAULT, '' " REPOSSESSION, '' and " YOUR RIGHT TO REDEEM '' demand clearer definition and explanation. Securitization Practices and Alleged Violations : Allegations pointing to potential conflicts between securitization practices and adherence to US bankruptcy laws. Accusations of fraudulent securitization practices and purported violations of federal statutes. Legal Matters and Procedural Concerns : Concerns raised regarding unauthorized signature use, creation of trusts without consent, and suspected manipulation of financial records. Lack of transparency leading to potential misinterpretation and misrepresentation in financial agreements. Request for Equitable Relief : Urgent request for suitable remedies, including subrogation or equitable relief, to rectify perceived discrepancies and injustices. Moreover, the following legal references and specific concerns warrant immediate attention : Procedural or Remedial Law : Implications and importance of the Alien Tort Statute ( ATS ) and Alien Tort Claims Act ( ATCA ), along with concerns about Sale Proceeds Transparency. Borrowers ' Rights and Legal Recourse : Rights of borrowers to ensure accuracy of credit bureau information post-repossession and redemption rights provided in certain states. Identified Violations and Offenses : Violations encompassing the Glass-Steagall Act, Offenses related to fraud, Phantom Fees, Falsified Income or Asset Information, Misleading Loan Terms, Identity Theft, Coercion or Undue Pressure. Specific Legal Acts and Their Implications : References to crucial legal acts including the Alien Tort Statute, Securities Exchange Act of 1934, Equal Credit Opportunity Act ( ECOA ), Fair Debt Collection Practices Act ( FDCPA ), and 16 CFR Part 433. I earnestly request a comprehensive investigation into these legal concerns and financial discrepancies, adhering strictly to applicable laws and regulations. Timely resolution and provision of requisite documentation are imperative.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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 filed a complaint in XXXX about misreporting to my credit. I have never been late. XXXX simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just reviewed my Equifax and XXXX credit reports and it shows inaccurate and unauthorized account. Please see the copy of my dispute letters that were already sent to the involved Bureaus. I have not received any responses yet
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Company Response:
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing to formally file a complaint against Equifax XXXX XXXX XXXX XXXX XXXX due to the failure to respond to a dispute letter I sent on XX/XX/2023. The dispute was related to several inaccuracies present on my credit report, which included personal information, XXXX XXXX ( Account Number : XXXX ), XXXXXXXX XXXX ( Account Number : XXXX ), and a bankruptcy filing with reference number XXXX. Despite mailing my dispute within the appropriate timeframe as required, I have not received any response from Equifax to date. This is a direct violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ), which mandates a timely response and resolution within 30 days. Enclosed with this letter is a copy of the original dispute I sent to Equifax, serving as proof of my attempts to rectify these inaccuracies.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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. has violated 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: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just reviewed my credit reports and it shows inaccurate and unauthorized account. Please see the copy of my dispute letters that were already sent to the involved Bureaus. I have not received any responses yet
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A