Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Company Response:
State: TX
Zip: 75034
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: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response:
State: VA
Zip: 238XX
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: Account information incorrect
Consumer Complaint: This compliant is about Equifax and XXXX unwillingness to respond or follow suit to prevent a lawsuit. In XX/XX/, I sued XXXX for the removal of 23 identity theft accounts. These same accounts appear on Equifax and XXXX. In XX/XX/, I won my case against XXXX, proving their negligence in reporting these ID theft account after my numerous attempts for years to get them removed. I have also made these same exact attempts with both Equifax and XXXX. The settlement required XXXX pay my attorney fees and a significant penalty for the reporting of these accounts, however most importantly the settlement required the removal of the 23 accounts. I sent a certified letters to both Equifax and XXXX, XX/XX/XXXX asking for them to follow suit and the removal of these accounts since it has already been proven in a court of law that these accounts are indeed ID theft, but I have received no response from either credit bureau. I am asking that both Equifax and XXXX, take into consideration the settlement against XXXX and remove all 23 accounts and associated inquires, or I will be forced to seek legal action against both credit bureaus.
Company Response:
State: TX
Zip: 77025
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: 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. XXXX incorrect personal information on credit reports XXXXXXXX XXXX inaccurate information XXXXXXXX XXXX unauthorized hard inquiries XXXX XXXX XXXX XXXX reporting negative XXXX inaccurate and unverifiable information. XXXX. XXXX XXXX inaccurate, unverifiable information and several inquiries XXXX inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60409
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: Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant concerns and apparent violations of the Fair Credit Reporting Act ( FCRA ) by consumer reporting agencies, Equifax and XXXX, and the furnisher of information to credit agencies. My intention is to seek your assistance in addressing these issues and ensuring the proper enforcement of my rights under the FCRA. As mandated by 15 USC 1681 section 602 ( a ), the FCRA emphasizes the critical need for consumer reporting agencies to fulfill their duties with fairness, impartiality, and a profound respect for consumers ' right to privacy. Equifax and XXXX, as consumer reporting agencies, are subject to these obligations under the FCRA. Furthermore, my rights to privacy and protection of nonpublic personal information are reinforced by 15 USC 6801, which establishes the affirmative and continuing obligation of financial institutions to safeguard their customers ' privacy. The furnisher of information to credit agencies falls within the definition of a financial institution under this title. I would like to draw your attention to 15 USC 1681 section 604 ( a ) ( 2 ), which explicitly states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. Despite this, both the furnisher of information to credit agencies and the consumer reporting agencies, Equifax and XXXX, lack my explicit written consent to furnish my private information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise, granted to Equifax, XXXX, and the furnisher of information to credit agencies. Additionally, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided an explanation of how they can exercise their nondisclosure option. Regrettably, the furnisher of information to credit agencies failed to inform me of my right to exercise this option, a clear violation of the aforementioned statute. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse items of information in a consumer report without the consumer 's explicit authorization, except as authorized under subsection ( b ). The reporting of adverse information without my permission, as witnessed in the case of the mentioned account, constitutes a violation of the law. According to 15 U.S. Code 1681s2 ( a ) ( 1 ) A, 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. Equifax and XXXX 's reporting practices may be in contravention of this provision. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. It appears that Equifax and XXXX may not be adhering to these reasonable procedures. Finally, as outlined in 12 CFR 1016.7, I am formally exercising my right to opt out of the reporting services provided by Equifax and XXXX. In light of the aforementioned concerns and apparent violations of the FCRA, I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters. I seek your assistance in ensuring that Equifax, XXXX, and the furnisher of information to credit agencies adhere to the statutory requirements, rectify any non-compliance promptly, and provide written confirmation of the resolution. Thank you for your prompt attention to this matter. I trust that your intervention will lead to a fair and just resolution of these issues.
Company Response:
State: IL
Zip: 62221
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 send a certified letter XXXX XXXX I ask the XXXX to investigate my account. it came back verified which by 15 US code 1681 sub chapter XXXX says rules of construction whole an interview with family friends and people who know me. I need to know who they verified it with. Every thing has to be 100 % accurate her is my credit report please delete this accounts Equifax us Bankruptcy court case or ID # XXXX and XXXX XXXX XXXX ID # XXXX
Company Response:
State: TX
Zip: 77042
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: 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 XXXX 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: 30296
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: 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: TX
Zip: 77316
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: 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: TX
Zip: 75050
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: 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: 30213
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A