Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights. 15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report. FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading. 15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance. 18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared. And several other violations, which I have detailed in the attached document. I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded. Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Company Response:
State: NJ
Zip: 07206
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Information was removed from XXXX reports XXXX, XXXX and Equifax due to Fraud and from there XXXX transferred the debt to another collection agency and also changed the initial date they stated that the account was actually opened defraud the XXXX XXXX XXXX as well as the XXXX XXXX.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX To whom it may concern : Per 12 CFR 1016.4 Initial privacy notice to consumers required, ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. Per 12 CFR 1016.7, states that, A consumer may exercise the right to opt out at any time. I am opting out of your Per The Fair Credit Reporting Act, as a Federally protected consumer I am now opting out of any and all authorization, I, the consumer may have inadvertently given you written, unwritten, verbal and non-verbal, per 15 USC 6802. I am opting out of your reporting services to XXXX, Equifax and XXXX. XXXX XXXX, XXXX XXXX XXXX for XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party 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. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 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: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Company Response:
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, I am not a third party. I am a natural person submitting this complaint, and I am requesting that these negative inaccurate items be removed from my credit report. XXXX XXXX XXXX Account number XXXX Account type Credit Card Responsibility Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XXXX XXXX Status updated XXXX XXXX Balance {$6500.00} Balance updated XXXX REASON ; I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 2. XXXX XXXX XXXX Account number XXXX Account type Secured Card Date opened XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XXXX XXXX Status updated XX/XX/XXXX Balance {$200.00} Balance updated XX/XX/XXXXXXXX REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 3. XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. Status updated XXXX XXXX Balance {$4000.00} Balance updated XX/XX/XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 4.XXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXXXXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1800.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a XXXXXXXX XXXX with Consent to share/ opt out of personal information being shared with 3rd parties. Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 5.XXXX XXXXXXXX, XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXXXXXX Status Collection account. {$840.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$840.00} REASON : I don't recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated. 6.XXXX XXXX Account number XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XXXX XXXXStatus updated XX/XX/XXXX Balance {$4000.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS. The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated. The debt collector is not properly reporting on this debt. This account is inaccurate and needs to be removed. Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties. Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My recent credit score is decreased by XXXX points, when I accessed my credit history. I can see accounts that was paid off and closed still show as delinquent. Also, the account of XXXX never been delinquent and was voluntary closed by me. I had been working had to get my score back to the right direction However the credit Bureaus don't want to clear my old accounts which they are impacting my credit negatively.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Greetings, it has came to my attention that some inquiries were placed on my credit report without my consent and this violated my consumer rights according to the fair credit reporting.The following inquiries are not authorized by me nor do I have anything to do with them.please kindly remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My information was bought and sold 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. ACCOUNTS : DEPARTMENT OF EDUCATION # XXXX
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A