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: 91702
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XX/XX/2023 i went in to buy a car and i told the finance manager. i will only apply for the car if its one hard inquire and he said it would. ( he said it in front of my wife as well and the sales rep ) so i unlocked my credit and i got FIVE hard inquires! after bringing it up to him he said that they only had a copy of my credit its not a hard inquire. Day later all the inquires posted and he refuse to talk to me about it. the following inquires are the UNATHORIZED inquires. XX/XX/2023 XXXX XXXX XXXX, XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XXXX Ive already tried to dispute my case to Equifax and the attachment added is the results of me trying to get the inquires removed.
Company Response:
State: NC
Zip: 27502
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: 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: 92881
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: 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 beyond was a victim of the Equifax data breach.I want these items Deleted from my credit reports effectively 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 reports
Company Response:
State: MS
Zip: 39401
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: 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: 913XX
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: Old information reappears or never goes away
Consumer Complaint: XXXX and Equifax have both removed XXXX XXXX accounts from my report of a balance of XXXX they both have removed the balance and remarks from company and its documented to place the accounts back on my reports with more remarks after being closed and removed to be reopened and placed back on my report with late payments which is directly in violation of consumer protection laws!
Company Response:
State: NC
Zip: 28262
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: On XX/XX/XXXX I was in a car accident. The other driver was at fault. My car was totaled. The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to XXXX for my XXXX XXXX in the amount of {$14000.00}. I had GAP insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. The pay off was {$21000.00} The total paid was : XXXX XXXX owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, XXXX closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. I have contacted XXXX for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of XXXX accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by XXXX, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer
Company Response:
State: GA
Zip: 30084
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: 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: MD
Zip: 211XX
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 information incorrect
Consumer Complaint: Account has been paid in full and has not been updated in system
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-12-30
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: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A