Date Received: 2024-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX, XXXX | sent out proof of verification letters to Equifax, XXXX, and XXXX, the account in question is " XXXX XXXX XXXX ''. I have not been updated on this process even though I have disputed this account that is not mines. The following tracking numbers for proof of delivery for this letters are : XXXXXXXX XXXX XXXX XXXX XXXX ( Equifax ) XXXX ( XXXX )
Company Response:
State: GA
Zip: 30071
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: Dear Consumer Financial Protection Bureau, Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is emphasized that consumer reporting agencies, such as Equifax, XXXX, and XXXX must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I am entitled to ensure the protection of my private information, as supported 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. '' The entity providing information to credit agencies, commonly known as the 'Furnisher of information, ' qualifies as a financial institution under this title. According to 15 USC 1681, Section 604 a ( 2 ), a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the relevant consumer. In this case, both the financial institution ( Furnisher of information ) and the consumer reporting agencies, Equifax, XXXX, and XXXX lack my consent and, specifically, my written consent to furnish this information. Referring to 15 USC 6802 ( b ) ( c ), which states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately, the furnisher of information did not inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly 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. Therefore, reporting this adverse item without my permission is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. Equifax, XXXX, and XXXX appear to be failing in maintaining these reasonable procedures. Furthermore, as per 12 CFR 1016.7, Equifax, XXXX and XXXX have failed to comply with all the laws mentioned above. I, the consumer, am rescinding any previous authorization given to XXXX XXXX, whether it was written, unwritten, verbal, or nonverbal, to report ANY of my transaction history to ANY credit bureau. Not only am I opting out of all or any authorization, but I am also requesting that XXXX XXXX cease and desist immediately from all illegal activities. Finally, the CFPB is required to contact the consumer reporting agencies to update my consumer credit profile accordingly, specially for any transactions that XXXX XXXX has reported or any other transaction history or experiences I have with XXXX XXXX please have them fix these violations by deleting these transactions from my consumer report. Best regards,
Company Response:
State: GA
Zip: 30096
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: 2024-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXXXXXX XXXX XXXX My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been severalfraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, and Idont know what elese. I have fi led a police report as well. I would like for all of these items to be deleted from my credit profile. ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Company Response:
State: IL
Zip: 60643
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: 2024-01-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt was charged off on XX/XX/2023 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.
Company Response:
State: TX
Zip: 78613
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: This debt was charged off on XX/XX/2019 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.
Company Response:
State: TX
Zip: 78613
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 status incorrect
Consumer Complaint: Account is listed as open and has been paid in full
Company Response:
State: GA
Zip: 303XX
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: Dear Consumer Financial Protection Bureau, Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is emphasized that consumer reporting agencies, such as Equifax, XXXX, and XXXX must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I am entitled to ensure the protection of my private information, as supported 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. '' The entity providing information to credit agencies, commonly known as the 'Furnisher of information, ' qualifies as a financial institution under this title. According to 15 USC 1681, Section 604 a ( 2 ), a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the relevant consumer. In this case, both the financial institution ( Furnisher of information ) and the consumer reporting agencies, Equifax, XXXX, and XXXX lack my consent and, specifically, my written consent to furnish this information. Referring to 15 USC 6802 ( b ) ( c ), which states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately, the furnisher of information did not inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly 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. Therefore, reporting this adverse item without my permission is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. Equifax, XXXX, and XXXX appear to be failing in maintaining these reasonable procedures. Furthermore, as per 12 CFR 1016.7, Equifax, XXXX and XXXX have failed to comply with all the laws mentioned above. I, the consumer, am rescinding any previous authorization given to XXXX XXXX, whether it was written, unwritten, verbal, or nonverbal, to report ANY of my transaction history to ANY credit bureau. Not only am I opting out of all or any authorization, but I am also requesting that XXXX XXXX cease and desist immediately from all illegal activities. Finally, the CFPB is required to contact the consumer reporting agencies to update my consumer credit profile accordingly, specially for any transactions that XXXX XXXX has reported or any other transaction history or experiences I have with XXXX XXXX please have them fix these violations by deleting these transactions from my consumer report. Best regards,
Company Response:
State: GA
Zip: 30096
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: 2024-01-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The following accounts and inquiries are a direct result of my information being compromised and used without my authorization. These accounts Im listing are fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. These accounts are hindering me from accessing any credit of my own and unable to buy things such as a car and house. I was hoping you could help and look more into the matter because its fraud.
Company Response:
State: NY
Zip: 10468
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: I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Company Response:
State: CA
Zip: 95118
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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
Company Response:
State: CA
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