Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. This discrepancy is alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the XXXX. I want to bring to your attention Creditor Type ( - ) reporting Personal Loan Companies .The data for this account appears to be inaccurate or inconsistent with established reporting standards of the XXXX XXXX I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! Upon inspecting Dispute Status ( XXXX ) exhibiting Account not disputed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! Furthermore, this has been ongoing with XXXX and they have not addressed any of my concerns and I demand that this credit file be removed from my credit report for several inaccuracies mentioned and included in this complaint. In addition, the loan was apparently sold to a company named XXXX XXXX and the complaint and response from XXXX XXXX is also included in this complaint. According to 15 US Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX has neglected to address any of my concerns and have failed to provide accurate information to the data furnishers and Credit Reporting Agencies such as Reporting information after notice and confirmation of errors ( a copy of the 15 US Code 1681s-2 is also included in this complaint ) Additional copies include my credit report with the inaccuracies listed such as showing a charge off and a past due balance which is a clear violation of the FCRA.
Company Response:
State: TX
Zip: 773XX
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: I had disputing this account with XXXX XXXX XXXX multiple times this is not my account I was incarcerated during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as 13late payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints
Company Response:
State: IL
Zip: 60651
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: I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX EQUIFAX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX EQUIFAX
Company Response:
State: NY
Zip: 10468
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: 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 effectively immediately.I am attaching proof that Equifax has admitted that i was a victim of this Data Breach and Equifax has done nothing.Please help me Delete these illegal accounts from my Credit Reports. XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX I ALSO WANT ALL HARD INQUIRIES DELETED FROM ALL XXXX CREDIT REPORTS BUREAU 'S MADE FROM YEAR XXXX TO XX/XX/XXXX IMMEDIATELLY DELETED.15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
Company Response:
State: MA
Zip: 01420
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 information incorrect
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Legal Department : 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 attached 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. Listing all negative accounts from the credit reports. Account names and account numbers attached with complaint with the CFPB. This information is damaging me since it is affecting the interest rates that I am able to get and limits my credit capacity. This letter is a formal complaint that you are reporting invalid and incomplete account information as well as both inaccurate and incorrect account information. After consultation I found that there are Federal Laws to ensure credit reporting bureaus such as yours may only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors. Therefore, Pursuant to 15 U.S.C section 1681 ( e ) of the Fair Credit Reporting Act. Upon receipt of this notification The Fair Credit Reporting Act requires you and I am requesting that you verify the following items : Account Name : XXXX XXXXXXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX XXXX : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Account Name : XXXX XXXX Type : Revolving - Account : XXXX Please remove from my credit report Please also notify the subscribers who reported these items within 5 days after receiving these disputes, and verify with that person my full name, address, date of birth, social security number, account number, status, date of last activity, balance, high balance, and amount as applicable. Please know that if your response to my request contains any remark such as changed, updated or new information below rather than deleted you are in violation of Federal Law, I will be forced to take further action against you as the Federal Law clearly states that the item must be deleted. When you finish your investigation Pursuant to 15 U.S.C. section 1681 ( i ) ( 7 ) whereby a consumer reporting agency shall provide to a consumer the requested detailed description referred to in paragraph and section ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from a consumer for that description, of the method of verification used and the name of the person at the source you contacted, the furnishers business name, address, phone number and date this verification has transacted. In the event that you continue to list the disputed item on my credit report I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. I look forward to an uneventful resolution of this matter. Thank You In Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN # : XXXX D.O.B. XX/XX/XXXX
Company Response:
State: CA
Zip: 94619
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, 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: 79928
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: My information was sold and brought illegally because I was a victim of 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. Equifax confrimation that my information has been breached # XXXX
Company Response:
State: UT
Zip: 84047
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: I had disputing this account with XXXX XXXX XXXX multiple times this is not my account I was XXXX during the times this account was open I has summited multiple supporting documents as well as police report. XXXX and XXXX has already removed this item from my file .everytime I dispute it threw Equifax they say the dnt have my documents on file here I am once again resending the documentsthis account is showing inaccurate such as XXXXlate payments as well as its not my account ..I ask that u removed all late payments or removed whole account this has cause pain and suffering to me. I have file multiple complaints
Company Response:
State: IL
Zip: 60651
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: Account information incorrect
Consumer Complaint: XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Company Response:
State: PA
Zip: 19145
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: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are reported as late.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A