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: 77386
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have previously disputed ( XXXX XXXX Bankruptcy XXXX ) With you. And i NEVER received a response, you previously verified the item as accurate, stating that you have verified this information with the court and XXXX XXXX. I contacted the court, and XXXX XXXX their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately.
Company Response:
State: IN
Zip: 46322
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: This marks my third complaint, asserting my status as a victim of identity theft and disputing an inquiry in my file resulting from this criminal activity. The inquiries subject to dispute are unrelated to any transactions involving the acquisition of goods, services, or money that I have either made or authorized. Kindly expunge the record of this inquiry from my credit file, as it stems from an alleged identity theft. I also include in this complaint my newly filed FTC report XXXX XXXX The nature of this inquiry is unfamiliar to me, and I hold reservations about its accuracy, especially considering that the information on this inquiry has been DELETED from other bureaus. Additionally, the reported payment history on this inquiry remains a mystery. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, and FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES are obligated to remove any items in the file of a consumer identified by the consumer as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt. Please see the inquiry details for removal below : -- -- -- -- -- -EQUIFAX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11413
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 XXXX XXXX Account name : XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$540.00}
Company Response:
State: CA
Zip: 90723
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: Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am writing in response to the documents that were not legible regarding the block pertaining to the 605 ( C ) Fair Credit Reporting Act ( FCRA ). I sincerely apologize for any inconveniences caused by the poor quality of the documents. I have attached the updated documents to meet your requirements to move forward with the block!
Company Response:
State: GA
Zip: 30294
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: XXXX is showing different last days paid on account to the credit bureaus.
Company Response:
State: NY
Zip: 11422
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: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I just recently checked my Equifax and XXXX credit reports and It shows some unauthorized accounts. This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately.
Company Response:
State: WI
Zip: 53072
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: Account information incorrect
Consumer Complaint: I have DISPUTED The XXXX XXXX XXXX Closed Credit Card Account # XXXX, on my Equifax Credit Report, numerous times ; but, Equifax is still reporting this ERRONEOUS LATE PAYMENT for XX/XX/2020 in PAYMENT HISTORY -- SEE ATTACHED. I have submitted the Account 's Creditor [ XXXX XXXX XXXX XXXX ] evidence to Equifax, which TOTALLY proves this XX/XX/2020 Late Payment is ERRONEOUSSEE ATTACHED. Why provide SUPPORTING EVIDENCE if Equifax WILL NOT REVIEW it to support my dispute? This evidence proves that the ERRONEOUS LATE PAYMENT is being reported by Equifax, and not being reported by the Account 's Creditor [ XXXX XXXX XXXX XXXX XXXX ; therefore, the reported XX/XX/2020 ERRONEOUS LATE PAYMENT is ILLEGAL. I am strongly considering a LAWSUIT against Equifax because this ILLEGALLY reported ERRONEOUS LATE PAYMENT is adversely affecting my Equifax Credit Score.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A