Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting that it will be removed from my credit report as soon as possible.
Company Response:
State: AL
Zip: 35405
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: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX I disputed incorrect information in writing related to my credit file ( see attached letters to Equifax ). The dispute was very specific stating the credit file #, date and page number of each account in dispute. On XX/XX/XXXX Equifax sent me a response stating the items I disputed were not reporting on my credit file, despite the proof I sent in with my initial dispute. I received this response on XX/XX/XXXX and pulled another comprehensive credit report from Equifax ( also attached to this email ). This new credit report clearly showed each of the disputed accounts still being reported in my Equifax credit file. This is a factual claim as is supported by the attached evidence. I'm not sure how Equifax can claim the creditors are not reporting on my file when clearly they are, as proven by credit reports before and after their response. The accounts are as follows : Creditor Name : XXXX XXXX Page on Credit Report : XXXX Reason : XXXX. Account PAID IN FULL BALANCE INCORRECT CLOSED. See attached evidence. Creditor Name : XXXX XXXX XXXX Page on Credit Report : XXXX Reason : XXXX. The account balance is incorrect. XXXX XXXX : XXXX XXXX on Credit Report : XXXX Reason : XXXX. This account is not mine and I am not financially liable for the account nor was I ever. This should not be on my credit record. I am not an authorized user on this account which means the information is incorrect. I have made requests previously to remove it and you site that I am/was an authorized user but this does not accurately reflect my credit worthiness or liability because I am not legally liable for the account. Finally, if you continue to insist that this file belongs on my credit history, the Historical Account Information is incorrect and incomplete which does not accurately reflect the extent of the credit history which negatively affects my report scoring. Creditor Name : XXXX XXXX XXXX # XXXX Page on Credit Report : XXXX Reason : XXXX. Account status reads Included in Wage Earner Plan My Chapter XXXX bankruptcy was XXXX, all debts were paid in full under a 100 % plan, and this account is no longer in bankruptcy as it was PAID IN FULL - CLOSED Creditor Name : XXXX XXXX, XXXX Page on Credit Report : XXXX Reason : XXXX. Account status reads Included in Wage Earner Plan My Chapter XXXX bankruptcy was XXXX, all debts were paid in full under a 100 % plan, and this account is no longer in bankruptcy as it was PAID IN FULL - CLOSED
Company Response:
State: TN
Zip: 37043
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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response:
State: TX
Zip: 756XX
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 was reviewing my credit report and was riddled with anxiety seeing a few inquiries that I did not authorize. I am working to get some credit and will be denied due to these errors being wrongly verified by the bureaus without my authorization.
Company Response:
State: FL
Zip: 32738
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: FRCA Vilolations Not mine Hippa Vi ; oation Not my account XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Payment history not my accounts XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2600.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX Original creditor not my auto account XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. Status updated XX/XX/XXXX never lived here XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX type Single family not my name XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX INSTALLMENT Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) 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: TX
Zip: 76133
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: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I previously disputed the following accounts on multiple occasions and did not receive a response from XXXX, XXXX, or Equifax, which within itself, is 100 % grounds for removal of the disputed information. ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX [ Unverified account : XXXX XXXX are already aware that my personal information was compromised and that this account was fraudulent. This account was not removed four days after receipt of notice. Years ago they vowed to remove this account from my credit report when I first filed a FTC complaint. They continued reporting! If this account continues to report after 45 days of receipt, I will begin to seek monetary relief for damages ] ; XXXX XXXX XXXX XXXX [ Unverified account : This account was removed a couple of times, but keeps coming back. They did not follow reinsertion laws per the FCRA, Section 611 ( a ) ( 5 ) ( B ) ) which I did NOT receive notice within 5 business days, -nor did I consent for the item to be furnished again. Plus, XXXX has openly admitted, and likely on a recorded call, on MULTIPLE occasions that after their investigations had concluded, they found this account to be fraudulent and that it would be removed permanently! Why is it still reporting!!? If this account is not removed from my credit report within 45 days, I will begin to seek monetary relief for damages ] ; XXXX XXXX [ Unverified Third-Party ; Documentation Requested ; never provided ] ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ EQUIFAX ] [ Unverified account : Third-Party ; Documentation requested, never provided ] ; XXXX XXXX XXXX XXXXXXXX [ Unverified account ; Third-Party ; Documentation Requested, never provided ] ; XXXX XXXX XXXX XXXX [ Unverified account ; Third-Party ; Documentation Requested, never provided. ] I informed all three Credit reporting agencies, also referred to in this document as, THE CRAS, of the federal laws listed in this complaint, and politely demanded that the they follow the laws during the dispute process, -to which none of THE CRAS adhered to, -and continued to furnish the disputed information. Below are excerpts of FEDERAL LAW, which I have provided to THE CRAS, and trusted and expected them to follow, and to do what is right. [ # XXXX ]. The CRA 's did not follow 15 U.S. Code 1681i, being that they did not respond to my dispute within the allotted time set by the FCRA. ( # 2 ) I gave notice, by informing The CRA 's that there is information being reported that I believe to be inaccurate and or fraudulent. Per 15 U.S. Code 1681s2 section ( a ) ( 1 ) ( A ), it states that 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. The CRAS continued reporting the disputed information even upon being notified that information was incorrect and or inaccurate, and even more serious, fraudulent. [ # 3 ] I also informed the CRAS of 15 U.S. Code 1681c2 ( a ), which states that the consumer reporting agency SHALL block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS. I provided proof and appropriate identity documents, identification of such information, a statement by me informing The CRAS that " the information is not relating to any transactions made by me, the consumer ''. I even filed a case by reporting the fraudulent accounts with FTC.gov, and uploaded documentation, yet, all of these accounts are still somehow reporting by The CRAS. [ # 3 ] Furthermore, due to being a long term victim of identity theft, I informed the CRAS that I was concerned with my privacy being violated, and specifically referred them to 15 U.S. Code 6801, which states that I am supposed to be 100 % " protected from having my nonpublic private information being shared. This federal law specifically states that ( 1 ) it is the policy of the CONGRESS that EACH FINANCIAL INSTITUTION have an affirmative and continuing obligation to respect the privacy of its customers, ( 2 ) to protect the security and confidentiality of those customers nonpublic personal information, ( 3 ) to protect the security and confidentiality of customer records and information, ( 4 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and lastly, ( 5 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Also according to this law, I also informed The CRAS that I was never provided with the opportunity or choice to opt out. By continuing to report this information, it keeps me at risk. ( # 4 ) In addition to # 3, I informed The CRAS that they are in violation of U.S. Code 6802 which speaks on obligations with respect to disclosures of personal information. This law specifically states the following : that A FINANCIAL INSTITUTION may NOT, directly or through any affiliate, disclose to a nonaffiliated party [ ie : XXXX/Equifax ] ANY NONPUBLIC PERSONAL INFORMATION, unless such financial institution provides or has " provided to the consumer a notice that complies with section 6803 of this title [ I NEVER RECEIVED THIS ]. This LAW goes on to state that, In general, A FINANCIAL INSTITUTION may NOT disclose nonpublic personal information to a nonaffiliated third party [ ie : Transunion/ExperianXXXX ], unless ( A ) such FINANCIAL INSTITUTION, CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, in writing or in electronic form, that such information may be disclosed to such third party ; [ I DID NOT RECEIVE ANY CLEAR AND CONSPICUOUS DISCLOSURES OF ANY KIND. ] ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party [ WAS NEVER GIVEN SUCH OPPORTUNITY OR NOTICE ] ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, [ I WAS NOT GIVENY ANY EXPLANATIONS OF ANY KIND, NOR OPTIONS TO EXERCISE ; ( D ) with the consent or at the direction of the consumer ; [ I DID NOT PROVIDE CONSENT OF ANY KIND ]. You can find more about this here : 15 U.S. Code 6801, in both sections A and B, which are also being violated. ( # 5 ) I then went on to explain to The CRAS that TRANSACTIONAL INFORMATION, OR EXPERIENCES, between the CONSUMER AND THE FURNISHER are to EXCLUDED FROM CONSUMER REPORTING per federal law -15 U.S. Code ( 2 ). Even by THE CRAS being made aware of this, they still REFUSE to remove any of the disputed information, and have not provided me with ANY physical documentation ( # 6 ) It is really unsetting that I am having this experience with the CRA 's because according to 15 U.S. Code 1681 further findings by CONGRESS, pertaining to the ACCURACY AND FAIRNESS of credit reporting states that, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM, AND UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. ( 2 ) An ELABORATE MECHANISM has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. ( 3 ) CONSUMER REPORTING AGENCIES have ASSUMED A VITAL ROLE in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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. It is the purpose of this subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR AND EQUITABLE TO THE CONSUMER, WITH REGARD to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. For further context, please see 15 U.S. Code 1681a - Definitions ; rules of construction to define and make clear distinction of various words being used in the laws. Lastly, although both companies, XXXX and XXXX, have agreed to remove its respective account from my credit report, neither have provided any methods of verifications which I have previously requested on many occasions. Per my right under 15 U.S.C. 1681g, I requested full validation from XXXX, CREDIT COLLECTION, and XXXX XXXX XXXX XXXX, which I have not received. I asked them to disclose all of the documents that they have recorded and or retained at the time of my dispute, and nothing was sent to me, therefore should be DELETED IMMEDIATELY under Section 611 ( a ) ( 5 ) ( A ) ( i ). These companies are also not METRO2 compliant! Lastly, I do not appreciate how my character, reputation, and credit worthiness, are being damaged by the day, as long as these inaccurate, unverified, and fraudulent items continue reporting on my credit report. At this point, depending on the results of this dispute, I am willing to seek relief from the year XXXX when I first disputed, until now, and I am STILL unable to obtain financing due to these matters.
Company Response:
State: GA
Zip: 300XX
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: I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response:
State: IL
Zip: 60107
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: Account information incorrect
Consumer Complaint: on XX/XX/XXXX i checked my credit on XXXX i seen incorrect information on account i disputed this XX/XX/XXXX certified mail i don't know what they are doing maybe still looking or stalling i need you guys help to investigate also my credit has been giving alerts that my information is being used on the dark web so i went to equifax breach to see if my information has been breach it claimed my info is breached i really need you guys help in this situation.
Company Response:
State: TX
Zip: 77598
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Act Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 USC 1681 Section 602 A states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( a ) ( 5 ) 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 7 years XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX Account Number # # # # # # # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
Company Response:
State: FL
Zip: 32209
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: Account information incorrect
Consumer Complaint: I am very concerned with these discrepancies on my credit report. As a consumer I am very concerned and need everything corrected. The information is not 100 % accurate and these errors are making it impossible for me to buy a new house, which is already hard enough. This is putting a tremendous strain on myself, effecting not only my mental, but physical health. I need these discrepancies corrected and removed right away
Company Response:
State: IN
Zip: 46041
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A