Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see some fraudulent inquiries on my credit report and I already sent information via mail and they haven't removed them. 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: 339XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Credit reporting or other personal consumer reports ISSUE Improper use of your report I file a complaint with the CFPB against XXXX XXXX for violating 15 U.S. Code 1681b, a consumer report containing information about an individual 's child support payments should be kept confidential and only used for specific purposes, such as establishing the individual 's capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment. The law explicitly states that this information should not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. The company did not respond to this complaint. They responded with a script about the accuracy of the information which was not the complaint, so therefore, my complaint was never addressed, and I would like for my complaint to be addressed specifically for what I wrote in the complaint. I do not understand how the CFPB can accept this without doing any type of investigation to see whether or not my issue was addressed. My issue was not addressed, and I need for somebody to make sure that the issue that I am reporting is addressed.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. Sincerely,
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. Please remove these accounts these inaccuracies are adversely affecting my credit score and reputation. I will be contacting appropriate agencies such as the Security Exchange Commission pertaining to security fraud. These addresses are not associated to me and non mailable residences. XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove these addresses.
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted a Method of Verification request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ) via CFPB # XXXX on XX/XX/XXXX and as of today have not received any information accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ). I should have received the results I requested within 15 Days from Equifax and it could mean I collect {$1000.00} due to the violation because It has exceeded the 15 Days, I submitted the XXXX request on XX/XX/XXXX and todays date is XX/XX/XXXX and I have yet to receive any information from Equifax that even remotely resembles what is required in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( a ) ( 7 ). I disputed initially via CFPB # XXXX on XX/XX/XXXX and Equifax sent me the results via CFPB on XX/XX/XXXX falsely stating the Trades listed below did not appear on my credit report but I consider Equifax is acting in BAD FAITH because I am a paid monthly subscriber to Equifax monitoring and as of today the accounts Equifax states do not appear on my credit report in actuality unforetunately are still reporting on my Equifax consumer report. The basis of my dispute was that my Privacy rights were being violated in accordance with FCRA 602 which states I have a right to privacy and FCRA 604 ( A ) which states a credit reporting agency can not furnish an account without my written instructions. Additionally, Equifax sent me another letter requesting my identification that I keep submitting over and over again and have uploaded my identification again in this complaint. I want the accounts removed or I may seek legal representation.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-12-31
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: Personal information incorrect
Consumer Complaint: I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles. XXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. XXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. XXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights. XXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights. XXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights. XXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights. Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, 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 ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately! THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter. Might it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge. XXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. XXXX ) Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( XXXX ), the XXXX applicable and precise sequenced XXXX pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable 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 COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation. XXXX. Tell me in writing what information you refuse to remove and why. XXXX. Tell me in writing what you did to determine that the information was accurate. XXXX. Note the in-formation as disputed BY the CONSUMER on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, ad-dresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the ad-dress listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must re-quest that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX XXXX reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information oc-curs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry XXXX NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a RE-AL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance XXXX SPECIAL-IST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compli-ant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL EN-TRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any con-sumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced XXXX XXXX MUST BE Metro 2 Compliance Data XXXX Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how report-ed/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful report-ing demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of cur-rent MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, cor-rect, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
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: 2024-01-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Supervisor of Department, According to The Gramm-Leach-Bliley Act it requires financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. However, i was never explained to that my information would be shared with the Credit bureaus or Credit Reporting Agencies which is a violation of my rights. I demand to be opted out from any of my information accounts history, personal information etc from reporting to them. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. You have violated United States Code Law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information You are required by federal law to verify, through the physical verification of the original signed consumer Promissory Note, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
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: 2023-12-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello to whom all this may concern My Only First & Last Name XXXXRLES LA SHAWN XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The last 4 of my SSN # XXXX My Only XXXXUnder penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. I have reached out to all three at the national credit reporting agencies, including 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 sent paper work and complaints from the US Justice Department XXXX XXXX XXXX XXXX CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT XXXX XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and the creditors/ ( XXXX XXXX XXXX XX/XX/XXXXXXXX {$2300.00} ( XXXXXXXX XXXX XXXX XXXX XXXX {$3000.00} ( XXXXXXXX XXXX XXXX XXXX XXXX {$900.00} ( XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX {$570.00}. ( Fraudulent inquiries ) Dates 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 are IILEGALLY REPORTING FRAUDULENT collections/Charge-Offs, late payments/other derogatory information in my consumer reports, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.XXXX XXXX EQUIFAX-XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d\ ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX EQIUFAX XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. I allege that XXXX, XXXX, and Equifax are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX XXXX EQUIFAX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX/EQUIFAX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ( Fraudulent Accounts ) Inquiries Account Name Account number Date open Dollar Amount 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts 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 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: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A