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 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 attached documents and letter for referenced issues from above.
Company Response:
State: IL
Zip: 60446
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: 79938
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. XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX 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 an 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: SC
Zip: XXXXX
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: Was not notified of investigation status or results
Consumer Complaint: I have filed complaint to constantly contested the inaccuracies in the following information with Equifax, XXXX and XXXX and unfortunately, the issue remains unresolved to this day. EQUIFAX : 1 ) Previous Address ( es ) : XXXX XXXX XXXX XXXX CA XXXX 2 ) Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX 3 ) Employers : XXXX XXXX XXXX 4 ) Employers : XXXX XXXX 5 ) Employers : XXXX XXXX 6 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 9 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX : Incorrect Personal Information : 1 ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX 2 ) Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX 3 ) Employers : XXXX XXXX ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. XXXX : Incorrect Personal Information : 1 ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX 2 ) Employers : XXXX XXXX 3 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 5 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 6 ) Under 15 U.S.C. 1681i Paragraph ( 5 ), any information disputed by a consumer that is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall promptly delete : Creditor : XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 7 ) Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Company Response:
State: CA
Zip: 95337
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 an alert for a hard inquiry performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no previous or current accounts with this entity. At no time did I apply for credit or loan services with XXXX or the XXXX XXXX. I filed an Identity theft report, contacted and disputed the hard inquiry with all three credit bureaus and placed fraud alerts with all three credit agencies. XXXX and XXXX removed this hard inquiry. Equifax has declined to do so. No evidence was provided proving I was involved with an application for services. In addition, on XX/XX/, I called and filled out a credit dispute form to XXXX stating this was an unauthorized hard inquiry and no application for credit or loan was made by myself. At this time, XXXX has not contacted me concerning the seriousness of this potential attempted identity theft.
Company Response:
State: CA
Zip: 92648
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: Personal information incorrect
Consumer Complaint: Equifax has has my first name spelled wrong on my credit report, I have contacted them multiple times by email, phone and written letter to correct this. I have sent them documents and copies of my drivers license, birth certificate and social security card to support my claim but I have not received any response from them. I have been denied credit cards, loans and other forms of credit because of this issue.
Company Response:
State: LA
Zip: 70663
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 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 to remedy this breach. Please help me delete these illegal accounts from my credit reports. Account names and account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28269
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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Company Response:
State: GA
Zip: 30067
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: CT
Zip: 06320
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: 79912
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A