Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CFPB, I am writing to file a complaint against Equifax, XXXX and XXXX for violating the Fair Credit Reporting Act ( FCRA ) and TILA 15 U.S. Code 1666 ( b ) regarding a billing error on my credit report. Please see the dispute letters I attached on this complaint. It consist the account details. The presence of this inaccurate billing error on my credit report is causing me significant harm, including : 1. Difficulty obtaining credit at favorable rates. 2. Higher interest rates on existing loans. 3. Denial of credit applications for housing, car loans, or other financial products. 4. Damage to my credit reputation. I urge the CFPB to investigate this matter thoroughly and take appropriate action against the Bureau involved for violating TILA 15 U.S. Code 1666 ( b ) and the FCRA. I request that the CFPB : 1. Order the credit bureau ( s ) to remove the inaccurate billing error from my credit report. 2. Require the credit bureau ( s ) to provide me with a copy of my updated credit report reflecting the changes. 3. Ensure that the credit bureau ( s ) take all necessary steps to prevent similar errors from occurring in the future. 4. Consider taking further action against the bureau ( s ) for their violations, including potential fines or penalties. I have attached the copies of my dispute letters sent to the credit bureau, and any other relevant documentation for your reference. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 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.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On Thursday, XX/XX/XXXX, XXXX XXXX XXXX XXXX made a hard inquiry on my credit. I called Friday, XX/XX/XXXX and informed them of this. They told me someone applied online and hence the hard inquiry. I told them this was not me. They told me it was declined due to misinformation. I asked them how the person applied and where. They told me it was online. I asked them to tell me what information was provided so I can see if I can figure out if I know who did this or if it was a stranger. They would not tell me. They confirmed with me that it was NOT me. They told me they would remove the hard inquiry and I was just alerted of a SECOND hard inquiry made today on XX/XX/XXXX after talking to them. I now have XXXX hard inquiries from them.
Company Response:
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I, XXXX XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at : 1.Name : The Names on my report should be corrected and these Inaccurate names must be removed : NAMES : XXXXXXXX XXXXXXXX 2. My Address : These Addresses are not mine and should be removed : XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: None of my credit reports match. My XXXX loans were paid in full and yet XXXX shows them as being deleted from Their files. XXXX and Equifax also do t show the loans as paid In full {$100000.00} was forgive as I am a XXXX XXXX and the reflector just shows my accounts as deletedXXXX and Equifax are showing last updates are over 2 years ago. My rent is actually only showing on credit agency. Also XXXX XXXX removed my credit progress that was not showing correct at all. My utility are paid monthly but the system doesnt pick up the payments it shows that I have to XXXX months of payments these are the same bil for over 3 years
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to follow up on my previous correspondences via mail and through the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the removal of disputed negative items from my credit report. To date, I have not received any resolution or response from your department, and this matter remains unresolved.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.
Company Response:
State: TX
Zip: 79932
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A