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: Dear CFPB & Equifax, On XX/XX/2023 I filed a complaint asking for the investigation into account listed on my consumer report that believe to be inaccurate and I requested an investigation. There are still items remaining on my credit report that is not accurate and I request the deletion of these account immediately. XXXXAccount # XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXXXXX XXXX-Account XXXX Furthermore I request the deletion of the unauthorized and unverifiable late payment reporting on my report dated XX/XX/2023 for XXXX XXXX XXXX XXXXXXXX15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.15 U.S. Code 1666b - Timing of payments FCRA , specifically 15 U.S.C. 1681, Section 602 ( A ), affirms my right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( A ), Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c, ( a ) ( 5 ) Section sets forth that no consumer reporting agency may include specific items of information in a consumer report, including " any other adverse item of information, '' except for records of convictions of crimes that predate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I demand the removal of these erroneous accounts and late payment. With the following attached proof that these accounts is not in compliance with the FCRA. The mentioned account has violated my right. I demand immediate deletion of mentioned account and late payment. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), I am seeking a detailed description of the procedure employed by your bureau in providing all relevant information to the original creditor during the processing of my dispute. As stipulated in FCRA 611 ( a ) ( 2 ) ( b ), it is my understanding that your agency is obligated to forward all pertinent information to the original creditor to facilitate a thorough investigation of my dispute. Therefore, I kindly request that you furnish me with ALL information utilized in your investigation, as mandated by FCRA 611 ( a ) ( 7 ). Please ensure that your response is sent via mail to the address listed above. I wish to remind you that, per FCRA regulations, you are required to provide this information within 15 days or, alternatively, delete the negative items from my credit report.
Company Response:
State: LA
Zip: 712XX
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 XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX 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: XXXXXXXX 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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen, and someone opened up fraudulent accounts.
Company Response:
State: TX
Zip: 77034
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: XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXXXXXX, 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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Equifax, XXXX, and XXXX incorrectly show me listed as a joint owner on the XXXX XXXX XXXX mortgage account opened XXXX/XXXX/18. Attached is documentation confirming my ex-husband assumed the loan in XXXX 2018 after our divorce. I filed a dispute with Equifax in XXXX, but they did not fix the issue. I tried calling XXXX XXXX XXXX customer support, but since the account is now closed, I was unable to reach to anyone there to discuss the issue.
Company Response:
State: WI
Zip: 53211
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/XXXX I was notified my info was breached in the EQUIFAX DATA BREACH and I promptly filed an FTC AFFIDAVIT and reached out to the credit bureaus. In accordance with the Fair Credit Reporting Act. The accounts below and credit bureaus has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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. XXXX XXXX {$10000.00} address XXXX XXXX ND, XXXX DELETE this address and incorrect DOB XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CA XXXX The info above you have on my report are inaccurate and want them deleted. I have attached a copy of my credit report showing your inacurrate and blatant violations of my consumer rights. My correct info. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 91350
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: Account information incorrect
Consumer Complaint: I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.
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: 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 have been made aware of the ongoing fraudulent actions being committed against my estate. These fraudulent actions are in multiple violations of 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, and in turn have caused me a great deal of stress along with an exponential amount of loss. Therefore, I am requesting that the reporting of the information be blocked and deleted along with payment of the civil liabilities outlined in 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION. n accordance with 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 account number : XXXX {$670.00} XXXX XXXXXXXX account XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} dept of education/XXXX account number : XXXX {$1700.00} XXXXXXXX XXXX account number : XXXX {$1700.00} XXXX XXXX XXXX account number : XXXX {$760.00} account number : XXXX {$680.00} us dept of XXXX account number : XXXX {$1700.00} hard inquiries as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I havright 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. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of alleged debt, nor therefore any such debt, in fact exist
Company Response:
State: NJ
Zip: 07018
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: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: My information was sold and bought 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 report list all those negative accounts from your Equifax credit reports.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A