Date Received: 2023-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX 4 year secured refinance loan with collateral. Payments were never late. Their last statement generated for this loan account ending # XXXX even states that when they are reporting this loan accounts last payment made 30days and even 60 days past due with Equifax. XXXX XXXX is falsely reporting a Charged off Credit Card account thats been delinquent since XX/XX/XXXX XX/XX/XXXX which is over the 7 year delinquent account reporting statue and they refuse to remove it.
Company Response:
State: MD
Zip: 20744
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: I was a victim of equifax data breach. I want all items deleted from credit report. i was a victim of data breach would you do the same immediately with XXXX and XXXX.
Company Response:
State: AL
Zip: 361XX
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: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: 1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Company Response:
State: TX
Zip: 795XX
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: Accounts : XXXX XXXX XXXXXXXX, amount : {$160.00}, Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, amount : {$970.00}, Date : XX/XX/ In accordance with the Fair Credit Reporting Act, ( 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 permission. Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.
Company Response:
State: GA
Zip: 30094
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: In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected c0nsumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ), has violated my rights XXXX ( XXXX ) XXXX ( Equifax XXXX XXXX ( XXXX ) 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 items 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 resonable cause to believe that the information is inaccurate.
Company Response:
State: GA
Zip: 30094
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information was sold and bought illegally because I was a victim of the EQUIFAX Data Breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and that I emailed Equifax and Equifax has done nothing. Please help me delete these illegal accounts/inquiries from my consumer credit report, permanently. I also ask that Equifax please correct all inaccurate information. NOTE : PER 15 USC 1681i ALL INACCURATE INFORMATION MUST BE REMOVED PERMANENTLY BECAUSE I, XXXX XXXX, THE CONSUMER AM ALERTING EQUIFAX OF THE INACCURACIES ON MY CONSUMER REPORT AND THAT ALL OTHER : ADDRESSES ARE NONMAILABLE, BIRTHDAYS ARE INACCURATE, PHONE NUMBERS ARE INACCURATE AND CAN NOT BE USED TO CONTACT ME, NAMES ARE INACCURATE AND ALL EMPLOYERS LISTED ON MY EQUIFAX CONSUMER REPORT ARE FRAUDULENT. ( I emailed the correct information to Equifax. ) The Following Hard Inquiries Are Fraudulent and Must Be Removed Permanently : Company Name : 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 My identity was stolen because of the EQUIFAX Data Breach. The Equifax Data Breach has caused me needless suffering and great harm. I have not been able to live a healthy and happy life due to EQUIFAXs ' gross negligence. I need relief immediately. I need to be compensated immediately for {$1000.00} dollars for all inaccurate accounts, inquiry, and inaccurate information disputed and removed and {$7500.00} for the actual damages of mental anguish, pain, suffering, homelessness, XXXX, fear, and XXXX delivered to my address by Equifax within the next 14 days. I also need Equifax to deliver my settlement check to my address within the next 30 days. Thank you.
Company Response:
State: GA
Zip: 30012
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: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Company Response:
State: GA
Zip: 30080
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: Equifax, After carefully reviewing my credit report, I cant understand why all this unauthorized inquires & unknown account that are reporting on my credit report. Please remove all and delete. XXXX XXXX INQURIY DATE : XXXX XXXX XXXX XXXX ACCOUNT # XXXX-DELETE NAMES : XXXX XXXX I DO NOT GO BY - DELETE
Company Response:
State: NY
Zip: 10461
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: 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. '' 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. '' XXXX XXXX XXXX is a financial institution by definition under that title. XXXX 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. " XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXXwhether 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 nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX 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 an adverse item they are reporting again without my permission which 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. 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 services. XXXX XXXX XXXX Account # XXXX
Company Response:
State: FL
Zip: 34472
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: My information was sold and bought illegally because I was a victim of the EQUIFAX Data Breach. I want these items to be deleted from my consumer report effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and that I emailed Equifax and Equifax has done nothing. Please help me delete these illegal accounts/inquiries, that I have disputed, from my consumer report, permanently. I also ask that Equifax please correct all inaccurate information. NOTE : PER 15 USC 1681i ALL INACCURATE INFORMATION MUST BE REMOVED PERMANENTLY BECAUSE I, XXXX XXXX, THE CONSUMER AM ALERTING EQUIFAX OF THE INACCURACIES ON MY CONSUMER REPORT AND THAT ALL OTHER : ADDRESSES ARE NONMAILABLE, BIRTHDAYS ARE INACCURATE, PHONE NUMBERS ARE INACCURATE AND CAN NOT BE USED TO CONTACT ME, NAMES ARE INACCURATE AND ALL EMPLOYERS LISTED ON MY EQUIFAX CONSUMER REPORT ARE FRAUDULENT. ( I emailed the correct information to Equifax And Also Disputed the Accounts/Inquiries With Equifax. ) My identity was stolen because of the EQUIFAX Data Breach. The Equifax Data Breach has caused me needless suffering and great harm. I have not been able to live a healthy and happy life due to EQUIFAXs ' gross negligence. I need relief immediately. I need to be compensated immediately {$1000.00} for all inaccurate accounts/inquiry, and inaccurate information disputed and removed and {$7500.00} for the actual damages of mental anguish, pain, suffering, homelessness, XXXX, fear, and XXXX delivered to my address by Equifax within the next 14 days. I also need Equifax to deliver my settlement check to my address within the next 30 days. Thank you.
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A