Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My purse was stolen in XXXX in a nightclub, it included my driver 's license and a copy of my social security card. Most recently I began to monitor my credit report. I contacted the credit reporting agencies and notified them that someone has been attempting to access my credit profile and applying for accounts in my name. I noticed accounts in XX/XX/XXXX from creditors XXXX, XXXX, and XXXX. I have no knowledge of the accounts or affiliation. I requested verification from XXXX, Equifax, and XXXX in XXXX .Furnishing these accounts to my profile due to identity theft is in violation of 15 USC 1681c-2. I have requested twice for these accounts to be removed. I also noticed credit inquiries that I have no knowledge of nor have I applied for any credit with these creditors, 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 Furnishing this information to my account without my written consent is in violation of 15 USC 1681B To ensure my information is not compromised I previously requested that addresses that are not mine and where I never resided be removed from my credit report. I see addresses are still reporting that I have no knowledge of.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute the following items on my credit report XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I contacted XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information . I have not gotten a response from this company and they continue to report my personal information to third parties.
Company Response:
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There are several items that appear on my consumerreport from entities that I have never signed any contract/agreement with, done business with, and/or provided consent or authorization to furnish any information to a third-party. Under section 609, I have requested that this credit reporting agency provide the original documents that also contains my physical signature along with any other supportive information to conclude their dispute ; or remove the items from my credit report As stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are legally obligated to verify the authenticity of all accounts posted on a credit report by physically verifying the original signed consumer contract. Otherwise, there is a risk of fraudulent accounts being submitted through fax, mail, or email by anyone utilizing their reporting services.Their failure to adequately verify these accounts has adversely affected my creditworthiness. According to the FCRA, any unverifiable accounts must be removed. If they are unable to furnish verifiable proof, they must eliminate the accounts specified in my dispute letters. In addition, I have requested a thorough and manual verification, including the date that they have contacted the furnisher, the name and address of the furnisher, the name of the agent, the method of communication, and most importantly if the furnisher provided my name, address, and/or dob. I have yet to receive any of this information! They are willfully being non-compliant. It is injurious to my credit report and has significantly impacted my financial well-being and credit score.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX XXXX XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : 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. Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Grand Rising XXXX XXXX is obligated by the FCRA to report accurate accounting. The consumer has advised ALL the inquires, accounts and reported was fraud said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number. I will be filing form XXXX treasury omb forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. SEC file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California. XXXX XXXX XXXX XXXX subsidiary XXXX XXXX XXXX HAPPILY VIOLATED the SEC filing and failed to simultaneously satisfy the filing obligation of the registrant under any of the following provisions : Pursuant to Section 13 OR 15 ( d ) of The Securities Exchange Act of XXXX Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Section 604 of the FCRA, 15 U .S.C. 168 1b, prohibits a consumer reporting agency from furnishing a consumer report except for specified " permissible purposes. '' Your practice was, and is, an unfair act or practice in or affecting commerce in violation of Section 5 ( a ) of the Federal Trade Commission Act, 1 5 US C. 45 ( a ) 15 U.S.C. 1681b ( f ). FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ) 16 C.F.R. ' 603.2 ( a ) Identity Fraud 15 U.S. Code 1681b - Permissible purposes of consumer report is inquiries is a promotional and solicitation. This is a-direct violation on your SEC agreement Ref. Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) 18 U.S.C. 1028 was amended to make it a federal crime to knowingly commit, attempt to commit, or aid in committing identity theft. XXXX violated the XXXX XXXX XXXX Reform and Consumer Protection Act by deceiving me about the use of my credit scores being sold with my consent and not benefiting from it. 15 U.S. Code 1679c - Disclosures 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater and will be a claim for pain and suffering damages. 15 U.S. Code 1666b. Timing of payment violation to request the removal of late payments from my credit report and update as paid as agreed. A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Privacy Act of XXXX as amended. 5 U.S.C. 552 is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education My student loans amounts on my credit report is a direct violation of my privacy and amount shouldnt be on my credit report. I am requesting all payments to paid as agreed status. FTC identity thief. 5 usc 522a. A charge off is considered as a Certificate of Indebtedness. Which is income. Income doesnt belong on my credit. I am requesting to keep these accounts on my credit report updated to be paid as agreed. 15 U.S. Code 1637 - Open end consumer credit plans
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I contacted XXXX XXXX XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, Equifax, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX. Per 15 U.S.C. 6802. I have not gotten a response from this company and they continue to report my personal information to third parties.
Company Response:
State: TX
Zip: 77005
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 the company ( s ) were in negligent non-compliance with 15 usc 1681b with XXXX accounts XXXX XXXX and XXXX XXXX XXXX which are actually subsidiaries posing as separate entities both pulling hard inquires without permissible purpose which makes the companies civilly liable under 15 usc 1692k for Monetary relief XXXX per violation
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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 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 the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. XXXX # XXXX open XX/XX/XXXX Furthermore I was affected by their illegal practices listed below A XXXX car loan class action website has been established to inform consumers of a proposed {$550.00} XXXX settlement that they may qualify for. Though the website is live, the settlement is not accepting claims at this time. A judge has yet to approve the settlement deal. Top Class Actions will provide information on how to file a claim as soon as the details are available. The {$550.00} XXXX settlement would resolve a probe by 34 state attorneys general into allegations that XXXX issues unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts. XXXX profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start, California Attorney General XXXX XXXX said in a statement, according to XXXX XXXX . This settlement should be a warning to the industry that we are committed to protecting consumers from abusive business practices. According to the multi-state investigation website, XXXX knew that some of their borrowers were at a high risk of default but turned a XXXX eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. XXXX has agreed to pay {$65.00} XXXX in restitution to the 34 states participating in the investigation. This restitution will compensate certain subprime borrowers who defaulted on XXXX auto loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. For XXXX car loan borrowers who have not had their cars repossessed despite having the lowest quality loans, the company will reportedly allow them to keep their cars and waive any remaining loan balances. In total, these customers will be offered up to {$45.00} XXXX in loan forgiveness. Loan forgiveness will also be extended to other consumers, according to the XXXX car loan settlement website. Certain defaulted consumers will have their deficiency balances waived by the company, with XXXX agreeing to provide up to {$430.00} XXXX in immediate loan forgiveness. Santanders loans were reportedly packaged into bonds by the company and sold to investors. In XXXX alone, the company issued {$8.00} XXXX of these bonds. This is reportedly twice as much as any other subprime auto loan lender. For loans that XXXX has sold, the company will attempt to buy these loans back under the settlement terms. Should the company successfully acquire the loans, they will provide additional deficiency waivers, according to the settlement website. Going forward, the settlement also requires XXXX to change their practices to better serve consumers. The loan company will be required to consider the borrowers full list of actual monthly debt obligations before extending a XXXX car loan. Additionally, if a consumer has a negative residual income after considering these monthly obligations, XXXX will not extend financing. If XXXX loans default in the future, the company will reportedly be required to test these loans to see if the consumer had a negative residual income at the time of the financing origination. This test must account for basic living expenses, according to the settlement terms. Should the test reveal that the loan was unaffordable to the consumer and the borrower defaulted within a certain period of time, the loan must be forgiven by XXXX. XXXX car loan car with money illustrationPreviously, XXXX allegedly allowed problematic third-party dealers, such as those offering vehicle service contracts, to waive documentation requirements for income and expenses. Going forward, the lender will reportedly stop allowing such exceptions and will be required to monitor dealers for income inflation, expense inflation and power booking. The final terms of the XXXX car loan settlement requires the company to maintain fair policies and procedures for deferments, forbearances, modifications and other collection matters that all employees must follow. XXXX has reportedly been expecting to reach a settlement to resolve the XXXX multi-state probe. As a result, the lender has reportedly set aside funding and made changes in anticipation meaning that their earnings will not be impacted. Over the last several years, we have strengthened our risk management across the board improving our policies and procedures to identify and prevent dealer misconduct, and tightening standards to ensure affordability, XXXX said in a statement, according to XXXX XXXX. The settlement was lead by Illinois Attorney General XXXX. Attorneys general from California, Maryland, New Jersey, Oregon and Washington serve as the settlements executive committee. The following states attorneys general are also included in the settlement : Arizona, Arkansas, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Nebraska, New Hampshire, New Mexico, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, West Virginia, and Wyoming.
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like Equifax and XXXX to exercise fairness, impartiality, and respect for my privacy These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed you of my right to exercise your nondisclosure option. Additionally, they are reporting adverse information about my account without my permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. I have the right to opt out of their reporting at any time.
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A