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: A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07093
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: I complaint this complaint because I receive a response from the 3 credit bureaus saying I not sending letters on my own the bureaus said that I'm using 3th party to send my dispute letters which is wrong I sending it on my own. I will list all the fraudulent, inaccurate and unauthorized accounts and inquiries : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$1500.00} Account Name : XXXX, XXXX. Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$660.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$260.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$170.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$710.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$2500.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$1200.00} Account Name : XXXX, XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$490.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$660.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$260.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$170.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$2500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XX/XX/XXXX Account Balance : {$710.00} Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry Name : XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX Inquiry Name : XXXX Inquiry : XXXX XXXX, XXXX
Company Response:
State: PA
Zip: 18102
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 336XX
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 appreciate the effort taken to address the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there are still remaining items that require removal from my credit reports. As a victim of identity theft, this serves as another request to eliminate these outstanding items from my credit file, attributed to alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. Despite the passage of several months, only a few items have been removed. I have previously raised this issue in my initial complaint, and I am reiterating it now, along with my new FTC Report XXXX XXXX Additionally, the information provided on these items is UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about their accuracy. Below are the specific items identified for removal per bureau : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: PA
Zip: 19020
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: Investigation took more than 30 days
Consumer Complaint: I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Company Response:
State: TX
Zip: 75212
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 336XX
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: According to the FCRA. 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 have responsible cause to believe that the information is inaccurate. I have filed several complaints with the CFPB also with the federal trade commission about this violation of my rights. This credit reporting agency has failed to do a investigation according to the guidelines of the FCRA. The accounts listed below are the accounts in question. XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX I have filed serveral disputes with these companies and they still continue to VIOLATE my rights.
Company Response:
State: FL
Zip: 32277
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: I am writing to file a formal complaint against Equifax Reporting Agency, underscoring significant concerns related to potential violations of privacy laws, particularly emphasizing the lack of adequate disclosures regarding opt-out rights, and drawing attention to the provisions of The Privacy Act of 1974, 15 USC 6805, 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ). As a responsible consumer, I expect credit reporting agencies, such as Equifax, to uphold the highest standards of transparency, fairness, and compliance with pertinent regulations. Recent observations have raised serious concerns, necessitating a thorough investigation into the practices of Equifax Reporting Agency. My primary concern revolves around the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a critical aspect of consumer privacy. Section 15 USC 6802 ( b ) ( c ) mandates credit reporting agencies to provide clear explanations on how consumers can exercise their opt-out rights. However, it appears that Equifax may not be effectively communicating this crucial information to consumers. Furthermore, the absence of information regarding the option to opt out, a right afforded to consumers under 16 CFR Part 313, is deeply troubling. This omission not only hinders consumers from making informed decisions but also raises questions about compliance with regulatory requirements mandating the provision of clear and accessible information regarding opting out. In addition to the lack of opt-out disclosures, my concerns extend to potential violations of the Fair Credit Reporting Act ( 15 USC 1681 ). Section 602a of this act underscores the importance of credit reporting agencies exercising their responsibilities with fairness, impartiality, and utmost respect for consumer privacy. Equifax may not be fully compliant with these provisions. Moreover, the apparent lack of information regarding opt-out options may indicate a broader issue of insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits credit reporting agencies from disclosing certain adverse information without proper authorization, underscores the necessity for clear and explicit privacy disclosures, particularly in light of the provisions of The Privacy Act of 1974. Additionally, under 15 USC 6805, I note that the privacy notice included in the terms and conditions reveals the involvement of third-party companies. This implies that my privacy rights may have been violated by Equifax under both The Privacy Act and the terms and conditions. I am also aware that 16 CFR 433.2 outlines specific requirements related to creditors and consumer leases. Furthermore, I emphasize the critical importance of 5 USC 522a, particularly in relation to identity theft. Protecting personal information is paramount in preventing identity theft, and Equifax must adhere to the highest standards in safeguarding consumers ' sensitive data. I suspect that Equifax may have violated 5 USC 522a, which prohibits the unauthorized use of personal information. Adding to these concerns, Equifax appears to have violated FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), as the law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. Any such violation contributes to a breach of consumer trust and a failure to adhere to the fundamental principles of consumer protection. Finally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, emphasizing the importance of furnishing accurate information to consumers. Any failure to ensure the accuracy of shared information may potentially contravene this stipulation. In light of these grave concerns, I urgently request that the Consumer Financial Protection Bureau conducts a thorough investigation into the practices and procedures employed by Equifax Reporting Agency. Additionally, I implore the Bureau to address the lack of opt-out and privacy disclosures, considering The Privacy Act of 1974, 15 USC 6805, 16 CFR Part 313, 16 CFR 433.2, 5 USC 522a , and FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ), and take appropriate measures to ensure compliance with privacy laws and consumer protection statutes. I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to safeguard consumer rights. Account name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$4700.00}
Company Response:
State: FL
Zip: 33437
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32725
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Company Response:
State: GA
Zip: 30116
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A