Date Received: 2023-12-31
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 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 reports. 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: NJ
Zip: 07304
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've mail a letter XXXX XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report.
Company Response:
State: MD
Zip: XXXXX
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've mail a letter XXXX XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report.
Company Response:
State: MD
Zip: XXXXX
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: Old information reappears or never goes away
Consumer Complaint: XXXX - XXXX XXXX is reporting late payments as well as delinquencies when it comes up on my credit bureau 's. This account was paid in full XXXX year before the loan length. I should show a " XXXX '' balance paid as agreed but they continue to report late payments. As per your rules XXXX I have never been given an opt-out notice nor have they followed Title 15 chapter 94 Commerce and trade Subchapter Sec. 6802- obligation with respect to disclosures of personal information. They never supplied section 6803 as prescribed under section 6804. I am asking for a complete removal of this reporting to all credit bureaus.
Company Response:
State: AK
Zip: XXXXX
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: Account status incorrect
Consumer Complaint: I've mail a letter XXXX XXXX asking to about out per FCRA federally protected rights but, the item is still on my credit report.
Company Response:
State: MD
Zip: XXXXX
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: Recently, I did an investigation on my report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Company Response:
State: TN
Zip: 38125
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: On XX/XX/XXXX, I checked my consumer report, In accordance with the fair credit Report act. 15 U.S.C. 1681 section 602A- states that a person has the right to privacy. 15 U.S.C. 1681 section 604A section 2- states that a consumer reporting agency ( CRA ) can not provide an account without written instructions. 15 U.S.C 1681 ( a ) ( 5 ) Section - States no consumer reporting agency may have any consumer report containing any of the following information, other than the convention of a crime. 15 U.S.C. 1681-2 ( 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. The following list of accounts below has violated my rights 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 23602
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: Information belongs to someone else
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 reports. Incorrect ADDRESS AND JOB IS REPORTING ON MY REPORT I Dont work at XXXX XXXX XXXX XXXX XXXX PLS DELETE THESE ARE A VIOLATION OF MY RIGHT 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. 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
Company Response:
State: NJ
Zip: 07304
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: Dear Consumer Financial Protection Bureau, Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is emphasized that consumer reporting agencies, such as Equifax, XXXX, and XXXX must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I am entitled to ensure the protection of my private information, as supported 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. '' The entity providing information to credit agencies, commonly known as the 'Furnisher of information, ' qualifies as a financial institution under this title. According to 15 USC 1681, Section 604 a ( 2 ), a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the relevant consumer. In this case, both the financial institution ( Furnisher of information ) and the consumer reporting agencies, Equifax, XXXX, and XXXX lack my consent and, specifically, my written consent to furnish this information. Referring to 15 USC 6802 ( b ) ( c ), which 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. Unfortunately, the furnisher of information did not inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly 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. Therefore, reporting this adverse item without my permission is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b. Equifax, XXXX, and XXXX appear to be failing in maintaining these reasonable procedures. Furthermore, as per 12 CFR 1016.7, Equifax, XXXX and XXXX have failed to comply with all the laws mentioned above. I, the consumer, am rescinding any previous authorization given to XXXX XXXX, whether it was written, unwritten, verbal, or nonverbal, to report ANY of my transaction history to ANY credit bureau. Not only am I opting out of all or any authorization, but I am also requesting that XXXX XXXX cease and desist immediately from all illegal activities. Finally, the CFPB is required to contact the consumer reporting agencies to update my consumer credit profile accordingly, specially for any transactions that XXXX XXXX has reported or any other transaction history or experiences I have with XXXX XXXX, please have them fix these violations by deleting these transactions from my consumer report. Best regards,
Company Response:
State: GA
Zip: 30096
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 information incorrect
Consumer Complaint: I would like a full report on all the payment dates, late payments, payment amounts, all amounts owed, the credit limit and all information they used to prove the information on this closed account was accurate.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A