Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/, I sent my FTC report and my license to XXXX, Equifax, and XXXX. I will be filing a civil suit for reporting fraudulent accounts on my consumer report.
Company Response:
State: PA
Zip: 19426
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company XXXX XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.
Company Response:
State: WA
Zip: 980XX
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: XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights violated numerous time. The credit bureaus violated my given right under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States have the right to privacy. According to 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. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: MO
Zip: 63137
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear XXXX, EQUIFAX, and XXXX My information was exposed in a Caresource data breach The Accounts Below Violate My Rights and the FCRA!!! DELETE IMMEDIATELY, OR I WILL TAKE LEGAL ACTION AND FINE YOU {$1000.00} FOR EACH VIOLATION IN COURT!!! XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF ASAP. THESE ARE FCRA VIOLATIONS, AND I DEMAND ALL CREDIT BUREAUS TO UPDATE MY INFORMATION IMMEDIATELY TO, OR ELSE I WILL FINE YOU {$1000.00} PER FCRA VIOLATION!!! BELOW ARE THE XXXX LAWS THAT YOU XXXXXXXX XXXX BROKE AND YOU NEED TO REMOVE THIS STUFF FROM MY REPORT NOW! Fair Credit Reporting Act ( FCRA ) : The FCRA regulates credit reporting agencies and requires them to ensure that the information they report is accurate and up-to-date. If a consumer disputes an item on their credit report and it is found to be inaccurate or outdated, the credit bureau is required to remove it. Fair Credit Billing Act ( FCBA ) : The FCBA provides protections for consumers who dispute billing errors on their credit card statements. If a billing error is found, the creditor is required to correct it and update the credit reporting agencies. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of debt collectors and prohibits them from engaging in abusive, deceptive, or unfair practices. If a debt collector violates the FDCPA, the consumer may be able to seek damages and have the negative information removed from their credit report. Uniform Commercial Code ( UCC ) : The XXXX provides guidelines for transactions involving goods and commercial transactions, and protects consumers from unfair business practices. The XXXX also provides remedies for consumers who have been harmed by these practices. Consumer Financial Protection Bureau ( CFPB ) : The CFPB is a federal agency that oversees financial institutions and enforces consumer protection laws. The CFPB has the authority to investigate and take action against entities that violate consumer protection laws. XXXX XXXX XXXX Laws : Many states have their own consumer protection laws that offer additional protections to consumers. For example, some states have laws that regulate credit reporting agencies and require them to remove inaccurate information from credit reports. The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY XXXX AND XXXX CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX XXXX!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!! Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listen up, because I'm about to unleash a torrent of legal wrath upon you. I want to make it abundantly clear that I won't tolerate your sloppy work and flagrant disregard for the law. Under the hallowed authority of FCRA, Section 611, I demand that my credit report be a paragon of accuracy, completeness, and appropriateness. This is non-negotiable. I hereby request, nay, demand that you promptly furnish me with all the information necessary to review my credit report. It is your duty to ensure that every single piece of data is in line with the stringent requirements set forth by the FCRA. If you think for XXXX second that I will accept anything less, you've got another thing coming. Now, let 's be clear. If you're too lazy, inept, or simply too ignorant to gather the required information, then do the bare minimum and reopen my dispute. However, this time, I demand that you actually conduct a thorough and proper investigation. No half-hearted attempts or shoddy workmanship will be tolerated. I won't stand idly by while you trample over my rights and tarnish my creditworthiness. I expect, no, I demand a swift and timely response from you, outlining the precise steps you will take to rectify this gross injustice. Don't even think about stalling or brushing me off, because I won't hesitate to invoke my rights under FCRA, Section 616. That's right, I will take legal action against you and expose your despicable practices for the world to see. Furthermore, I'll have you know that I am well-versed in the consumer laws that protect me from the likes of you. I have the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and a host of other deeply-rooted statutes firmly on my side. So don't underestimate me or think for a moment that I won't back up my words with formidable legal action. In fact, let 's delve into the Unified Commercial Code ( XXXX ) while we're at it. XXXX assured, I have studied and internalized its provisions, and I am ready to wield its mighty arsenal against your flagrant violations. I will hold you accountable under XXXX Sections XXXX, XXXX, XXXX, and XXXX, just to name a few. Your unlawful actions will not go unpunished. Let this be a final warning : correct the erroneous information on my credit report immediately, or face the full fury of the law. I will not back down, I will not be silenced, and I will not rest until justice is served. The choice is yours, credit bureau. Do the right thing or prepare to face the consequences of your malevolent actions. The inquiry was not authorized Please remove this inaccurate information from my credit report. Yours unyieldingly, XXXX XXXX WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM XXXX XXXX AND EQUIFAX I am looking for a lawyer to represent me in suing Caresource out of XXXXXXXX XXXX for exposing my information in a XXXX data breach. Please call me at XXXX.
Company Response:
State: OH
Zip: 45385
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: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.
Company Response:
State: TX
Zip: 75048
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: XXXX is reporting collections on a case that was already addressed here with the CFPB. XXXX XXXX. Two accounts are showing on my report. Earlier this year, I reported them here. They failed to return a reply in 30 days. Please have both XXXX XXXX removed from my credit report for failing to comply within the legal 30 day statue.
Company Response:
State: TN
Zip: 37122
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: 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 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. These inaccuracies are preventing me from buying a new home.
Company Response:
State: NJ
Zip: 08060
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: PA
Zip: 18702
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX Equifax Consumers XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX Inquiry by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account XXXX Account XXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX In accordance with XXXX privacy act 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 consumers right to privacy. '' XXXX, Equifax 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Experian, ( Furnisher of information to credit agencies ) 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 non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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 against the law. 15 U.S. Code 1681s2 ( 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 1681e 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. XXXX, Equifax 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 3rd party services. Which includes the following Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Company Response:
State: VA
Zip: 238XX
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: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Reinvestigation procedure letter was received by Equifax on XX/XX/2023 See certified USPS tracking # XXXX XXXX XXXXno description received after 15 days. This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A