Date Received: 2024-01-03
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: MI
Zip: 48221
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: Information belongs to someone else
Consumer Complaint: Equifax responded to my attempts to ascertain my credit history by 2 pieces of mail stating that I had no credit history and they sent it to the correct address but wrong name. I have made numerous attempts to alert them my identity has been stolen, that I can not use their online or phone services because the personal identifying information you as the consumer must provide before getting access to a menu is based on FRAUDULENT information that I do not have! How am I to identify myself if the information is fraud based?!?! The local precinct will not provide me new police reports as this has been ongoing since 2017! I am desperately trying to deal with something that Equifax clearly mishandled. Im not seeking anything but a fair chance to remove fraud and finally get MY life back.
Company Response:
State: NY
Zip: 10471
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: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Trying to obtain my credit report but only XXXX can provide it
Company Response:
State: MD
Zip: 20906
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 have identified information that appears on my consumer report that is a result of identity theft this account is not mine, and identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX
Company Response:
State: NC
Zip: 28205
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I XXXX XXXX am making this complaint without any third parties. XXXX has violated my right as consumer under there fair credit reporting act 15 use 1681b be furnishing information without the consumers consent or a court order. They have provided false and misleading information of these accounts being verified with no evidence see attachment
Company Response:
State: PA
Zip: 19141
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: 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 consumer 's 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. " Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed is a financial institution by definition under that title. XXXX XXXX XXXX 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 + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} 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 + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} 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 + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} 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 1681s-2 ( 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 168le 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
Company Response:
State: NY
Zip: 10701
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: 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: 79924
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: Personal information incorrect
Consumer Complaint: I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Company Response:
State: OH
Zip: 441XX
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: Information belongs to someone else
Consumer Complaint: XXXX and Equifax continue to allow fraudulent names and addresses to remain on my account. I am unable to dispute this incorrect information ( identity theft ) because the personal identifying information you are prompted to submit either by their online services or over the phone I am unable to provide because they are requesting information that is not mine.
Company Response:
State: NY
Zip: 10471
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: Information belongs to someone else
Consumer Complaint: Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX Trust , and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX and autograph as the agent , attorney in fact. This is NOT a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY. A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. You DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, you are committing fraud and Identity theft and I will contact the ofce of Inspector General SSA and le a report with the federal authorities. 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 XXXX 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 financial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuant to FCRA 605b and 15 USC 1681 c-2 i demand the account be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n . My consumer reports by LAW are supposed to match because XXXX, EQUIFAX and XXXX have a notification system and are supposed to notify each other to maintain fair and accurate reporting. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing. YOU DO NOT HAVE PERMISSIBLE PURPOSE!!! and i have the right to OPT OUT!!!
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A