Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 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: FL
Zip: 33165
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: 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. Account Number : XXXX is stating that it is 30 days or more late. This account has never been late. This account is also reporting differently on all 3 credit reports. There is a discrepancy in the last activity, payment status, payment history, as well as other areas. I disputed this information with Equifax, XXXX, and XXXX. They said that the information was verified and accurate. I do not understand how it could be verified, if it's not accurate and incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 15 U.S.C. 1681 Section 602 A : States that I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. Account in question : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Company Response:
State: MI
Zip: 48093
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: The XXXX XXXX XXXX XXXX account information is inconsistent across the credit bureaus. This inconsistency and inaccuracy are harmful to my family and my livelihood as we are trying to purchase a home.
Company Response:
State: TX
Zip: 77536
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: XXXX rights have been violated I did not give XXXX instructions for these accounts to be place on XXXX XXXX report REMOVE IMMEDIATELY THIS IS A Violation ALSO. THESE ACCOUNTS ARE Reporting on XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Procedure in case of disputed XXXX ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of XXXX information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting XXXX shall ( i promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the XXXX. XXXX XXXX XXXX XXXX - Permissible purposes of XXXX reports ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: NJ
Zip: 07304
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 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: FL
Zip: 33142
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 submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you. ''
Company Response:
State: TX
Zip: 77571
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I want to acknowledge your efforts in removing some of the disputed accounts from my credit file, following my previous dispute. However, I wish to address my confusion and concern as there are still discrepancies on my credit report that remain unresolved, despite being successfully rectified by other credit bureaus. The following accounts are still inaccurately reported on my credit file : 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. I want to emphasize that these accounts have already been removed by the other credit bureaus. I have attached the necessary documentation to support my claims, and I request a thorough investigation to correct these inaccuracies promptly. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Company Response:
State: VA
Zip: 22554
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute the late payment days and negative status associated with the following account on my credit report. This account is inaccurately reflecting late payments, and I believe there was a mistake on the bank 's side. The bank has acknowledged this error and has agreed to my request to rectify it as a goodwill gesture. Account Information : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I understand that accurate reporting is crucial, and I appreciate your prompt attention to this matter. Please conduct a thorough investigation, and if necessary, contact the bank to verify the information provided. I trust that you will make the necessary corrections to ensure the accuracy of my credit report. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Company Response:
State: VA
Zip: 22554
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: I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 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 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: FL
Zip: 33013
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: Monday, XX/XX/XXXXXXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required On Accounts : XXXX XXXX Non-Compliance with Written Instructions XXXX TRACKING NUMBER : XXXX And Previous Recission of Permission to Furnished Data on My Consumer Report via Affidavit of XXXX. Dear Consumer Financial Protection Bureau, I am writing to follow up on opt-out letters dated XX/XX/XXXX, opt out letters with notice to cure sent XX/XX/XXXX, and Affidavits of XXXX Notarized XX/XX/XXXXXXXX in which I formally exercised my right to opt out of all authorizations, whether written or unwritten, verbal or non-verbal, that I have given to XXXX XXXX , XXXX and Equifax. This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. Regrettably, XXXX XXXX, XXXX and Equifax have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. This is an ongoing and egregious violation of my consumer rights, as detailed in my previous communications. I must assert my demand for appropriate remedies to rectify the harm caused by the continued dissemination of inaccurate and unauthorized information. As previously stated, I have unequivocally rescinded all permission for the furnishing of my personal information, in perpetuity, in accordance with the Fair Credit Reporting Act ( 15 U.S.C 1681 ), Section 604. Despite these clear and legally binding instructions, XXXX XXXX, XXXX and Equifax have persistently and willfully disregarded the law, leading to a severe compromise of my privacy and financial well-being. The repeated and intentional violation of federal statutes, including the Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Protection of Nonpublic Personal Information ( 15 U.S.C 6801 ), raises grave concerns about XXXX XXXX, XXXX and Equifax 's commitment to respecting the privacy and security of consumers ' nonpublic personal information. At This Time, I am disputing the following accounts : Company Name : Account Number 1. XXXX XXXX Account Ending : XXXX 2. XXXX XXXX Account Ending XXXX 3. XXXX XXXX Account Ending : XXXX 4. XXXX XXXX Account Ending : XXXX 5. XXXX XXXX Account Ending : XXXX 6. XXXX XXXX Account Ending : XXXX 7. XXXX XXXX Account Ending : XXXX 8. XXXX XXXX Account Ending : XXXX 9. XXXX XXXX Account Ending : XXXX 10. XXXX XXXX Account Ending : XXXX 11. XXXX XXXX Account Ending XXXX 12. XXXX XXXX Account Ending XXXX 13. XXXX XXXX Account Ending XXXX 14. XXXX XXXX Account Ending XXXX 15. XXXX XXXX Account Ending XXXX 16. XXXX XXXX Account Ending : XXXX 17. XXXX XXXX Account Ending : XXXX 18. XXXX XXXX Account Ending : XXXX 19. XXXX XXXX Account Ending : XXXX 20. XXXX XXXX Account Ending : XXXX 21. XXXX XXXX Account Ending : XXXX 22. XXXX XXXX Account Ending : XXXX Below shows the proof of correspondence for Opt-Out Letters, notice to cure opt-out letters, and Affidavits of XXXX sent by me to each company which have been fraudulently disregarded. See Additional Attachments for Copies of Contents Sent. AFFADAVIT OF XXXX Company Name : Contact Attempts Certified Mail Tracking Number XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Equifax 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Because the first contact attempts were disregarded, I saw fit to send a second attempt ; although by law, I am not required to tell an agency more than once to have these rectified. As such, they should have been rectified after receiving the first written instruction. XXXX 2nd Sent on XX/XX/XXXXXXXX on route. XXXX XXXX XXXX XXXX XXXX XXXX Equifax 2nd Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2nd Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX All attempts to have my written instruction performed properly have not been successful or rectified as of today by Equifax nor XXXX. OPT-OUT LETTERS Company Name Contact Attempt for Account Number Certified Mail Tracking Number XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CURE OPT-OUT LETTER : Accounts Enclosed : 1. XXXX XXXX Account Ending : XXXX 2. XXXX XXXX Account Ending XXXX 3. XXXX XXXX Account Ending : XXXX 4. XXXX XXXX Account Ending : XXXX 5. XXXX XXXX Account Ending : XXXX 6. XXXX XXXX Account Ending : XXXX 7. XXXX XXXX Account Ending : XXXX 8. AXXXX XXXX Account Ending : XXXX 9. XXXX XXXX Account Ending : XXXX 10. XXXX XXXX Account Ending : XXXX 11. XXXX XXXX Account Ending XXXX 12. XXXX XXXX Account Ending XXXX 13. XXXX XXXX Account Ending XXXX 14. XXXX XXXX Account Ending XXXX 15. AXXXX XXXX Account Ending XXXX 16. XXXX XXXX Account Ending : XXXX 17. XXXX XXXX Account Ending : XXXX 18. XXXX XXXX Account Ending : XXXX 19. XXXX XXXX Account Ending : XXXX 20. XXXX XXXX Account Ending : XXXX 21. XXXX XXXX Account Ending : XXXX 22. XXXX XXXX Account Ending : XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX DELIVERED to XXXX XXXX in XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX ( USPS tracking shown in attachments ) The Above shows a list of every account that has been Opted Out of data Furnishing with XXXX XXXX including their tracking number displaying that they have been delivered and received. All attempts to have my written instruction performed properly have not been successful or rectified as of today. Sincerely, XXXX XXXX
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A