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: NY
Zip: 11435
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: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Requested information freeze to protect from unwanted inquiries, improper use of my information, etc. Inaccurate information reporting.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, Equifax XXXX, I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to 15 USC 1666b 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. I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX XXXX XXXX XXXXXXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. To constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED XXXX I was never late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on this account please update the account as Paid/Current. XXXX I was never late on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter. Please send an updated copy of my credit report Reflecting the requested Changes. Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, All Natural Inalienable Right Reserve
Company Response:
State: FL
Zip: XXXXX
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: My social security number is XXXX On credit report XXXX their is Two negative fraud items that have the same account number and balance these duplicate fraud items supposed to be removed and blocked I have a federal trade commission identity theft report on file regarding equifax their is one negative item that's fraud on my equifax report and XXXX XXXX theirs three negative items I have a federal trade commission identity theft report on file please have XXXX and equifax and XXXX XXXX removed these negative items
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have filed sever disputes with XXXX and Equifax who keep verifying the account under false pretense and information. The company XXXX XXXX does not have my address and they are unable to verify my address or information but the credit agency been doing computer generated not using a live person to verify my info. These 2 agencies need to clear this off my report before I file a lawsuit.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three XXXX, Equifax, and XXXX are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.
Company Response:
State: NV
Zip: 89502
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've written to various companies regarding their income reporting in my Credit Report. The IRS Publication 166. states ' The IRS views Charge-offs or canceled debt as income, necessitating its inclusion on tax returns, similar to job or business income. Under 15 U.S. Code 1681, which emphasizes the accuracy and fairness of credit reporting, income should not appear on my Credit Report. Therefore, these charge-offs are required by law to be promptly removed. Thank You XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with customer service
Subissue:
Consumer Complaint: XXXX of XXXX I had 2 disputes I made and nothing did not happen and it keep messing up my credit, which they knew it was frod and keep coming back and 1 stayed..no action was taken cause.its still on my credit
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX XXXX for {$1200.00}. They did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2 by keeping this inaccurate account on my credit file. This company has no permission to report illegitimate details using my personal information pursuant to 15 USC 1681 4. After months of disputing, this account is still reporting inaccurate late payments well past the statute of limitations. This account has incorrect details reporting through different agencies regarding last payment dates and late payment history, which are false. For example, the collection account had been active for years in collection status, then in XXXX marked up to 180 days past due, and then continued collection status thereafter. Furthermore, in XX/XX/2023 one or more credit reporting agencies have REMOVED this account from my credit file due to these violations and inaccurate reporting. I have seen this account only closed with other reporting agencies who have not validated this debt or details reporting, nor have provided me proof.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A