Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold and bought illegally because I was a victim of the Equifax 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 the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sincerly XXXX XXXX
Company Response:
State: MS
Zip: 39047
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: As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Company Response:
State: NM
Zip: 871XX
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: Reporting company used your report improperly
Consumer Complaint: As a Federal Protected Consumer I have a Consumer right and Privacy right to opt out those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Company Response:
State: NM
Zip: 871XX
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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX 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 Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX AND XXXX XXXX XXXX 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX AND XXXX XXXX XXXX never XXXXnformed 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. '' These account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX AND XXXX XXXX XXXX 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. Effective immediately. I have exercised my rights multiple times about these adverse accounts and nothing has happened. Equifax, XXXX and XXXX have XXXX days to remove these adverse accounts off my credit. After the XXXX days allotted I will seek civil damages in a Wisconsin court.
Company Response:
State: WI
Zip: 53208
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: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Company Response:
State: IL
Zip: 60620
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: My information was sold and bought illegally because I was a victim of the Equifax XXXX. 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 the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX XXXX Open XX/XX/15 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerly XXXX XXXX
Company Response:
State: MS
Zip: 39047
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: Personal information incorrect
Consumer Complaint: Upon pulling my credit report I observed my full name, address and employer were reported incorrectly.
Company Response:
State: TX
Zip: 78109
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: 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: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello CFPB, I'm submitting a complaint on the credit reporting bureaus XXXX, Equifax, and XXXX on my consumer reports. I requested a verification and removal of a XXXX XXXX XXXX from the consumer report, Verification of Creditor accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to Charge offs, Late payments, Evictions 15 USC 1681a 2. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information. I requested that the bankruptcy be verified, since its showing on my credit report/consumer report. They came back saying it was verified on XX/XX/23. How could they have verified a bankruptcy? Who did they contact in the court to verify the information? I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. A charge off on my consumer report is a violation of my consumer rights. A late payment 15 usc 1681a is a transaction and should not have been added to my consumer report/ credit report. I've requested by phone that my name and address information be updated and all information not current be removed. It's still showing on my reports. I've requested all inquiries be removed off credit report Will you please check into this and have this bankruptcy removed and all transactions removed from my consumer reports/ credit report.
Company Response:
State: OH
Zip: 45417
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A