Date Received: 2023-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Company Response:
State: TN
Zip: 38128
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: Investigation took more than 30 days
Consumer Complaint: I've recently had my XXXX and Equifax accounts taken over by fraudsters. Both of these accounts have been locked down for weeks. I've sent via mail all the necessary identity information they requested in order to give me back access and after placing weekly calls to both these credit bureaus they still say its being processed and I don't have access.
Company Response:
State: CA
Zip: 911XX
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: Their investigation did not fix an error on your report
Consumer Complaint: I have sent multiple disputes to your respective bureaus regarding inaccurate information on my credit report. I meticulously detailed the accounts in question, highlighting the blatant violations against my consumer report. Despite the legal requirement of a response within 60 days, your bureaus have failed to address these issues adequately. For your reference, I am attaching copies of all the letters previously submitted. The lack of action on your part is unacceptable and a clear violation of consumer rights. It is now imperative that you rectify these inaccuracies promptly. I expect an immediate and comprehensive response to the concerns raised in my previous communications. Failure to address these issues will leave me with no choice but to escalate this matter further, seeking legal remedies for the damages caused to my creditworthiness. Time is of the essence, and I trust you will handle this matter with the urgency it deserves.
Company Response:
State: TX
Zip: 76002
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: LA
Zip: 70726
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: Public record information inaccurate
Consumer Complaint: First of all the previous complaint number was # XXXX and it was closed because when I called I was unable to answer a question due to a medical condition. I am reopening this complaint or starting a new one with the same dispute and additional added knowledge. This is also from a previous dispute against mortgage company, XXXX XXXX. The national settlement did in fact include me as well as a few others but because XXXX XXXX lied and said they made me whole ( OCC ) and others I was not compensated. Now, according to DOJ settlement and agreement with this same bank there were to include no foreclosure claims, filings or lawsuits while in a mortgage modification ( temporary, permanent, proceeding, etc. ). If in fact this occurred they all the banks included in the lawsuit were in violations and agreed to pay the billions of dollars settled by the Federal Agencies, one mainly is the Department of Justice. I was never notified of the sale while paying a modification monthly after it was approved, or did they the bank forget that. Yes, I was still paying each month while you told me ( the bank ) they withdrew the foreclosure. Yes, to date I have still have that conversation recorded and the bank representatives emails and voice messages. According again to the national settlement agreement the bank foreclosed erroneously and wrongfully and they know this. But what I did not know after they requested over {$300000.00} for me to pay to purchase the home, when they in fact sold it for under {$70000.00}. I just learned of this recently by and from the Department of Treasury why was I not told this then. I also am being told that there were know request in the court motion or otherwise that a motion was filed to set aside by XXXX XXXX XXXX. In fact, my attorney filed that motion after I discovered while paying the modification that it had been sold. Who is telling these lies, the bank should have never filed a foreclosure the entire time they offered me the modification, temporary and permanent while I was paying on a timely basis and was never told of any violations or was never warned of a sale. How could they confirm that this foreclosure was valid, when they agreed to the terms of the national settlement class action wrongful modification and sale lawsuit. Also, with the other lawsuits they precluded me from when in fact I was automatically a candidate and victim of the same treatment. Because they did not divulge the truth is why I was not compensated each time. In fact, when I was notified of the first and recently spoke to XXXX XXXX and the oversight monitor they were never notified the house had been sold! All applicable state laws were not followed, in fact you violated the agreement with the Department of Justice, IRS, FTC and many other Federal Agencies. You were on my credit for years with this foreclosure/sale in which you conducted wrongfully. The servicing guidelines and agreement from and by XXXXXXXX XXXX were also in violation. Remember the servicing practices, was challenged and won each time against XXXX XXXX for violating your servicing practices in which all applies and included me. Especially from XXXX XXXX XXXX and now I am told XXXX I wasn't notified, and when I was it was submitted and when I was not it still was submitted. You chose to ignore your federal many agreements with the settlement and yes, I was never notified not one time to retrieve my belongings because I never of a sale until weeks and months afterwards. In fact, this year is when I learned of the sale amount when you lied and told me I owed $ XXXX dollars. These court proceeding must now entered the docket since I disputed all of which is owed to me. How could the court deny your request for sale when you filed the foreclosure in the beginning? Did the court not recognize the national and federal agreement? I am sorry why was all not voided what judge signed off on this, did you inform my then attorney because I know you did not inform me? By the way who did they inform? Where is the copy of notification? This was a fraud and they know, the bank knows they owe me for this fraud and breach of settlement national agreement with the Department of Justice and others. Also, the additional request that was made XXXX XXXX XXXX to cancel is not on my docket sheet, the original from XXXX where is it? Because of loss mitigation efforts XXXX stated. My many medical conditions precluded this for so long, and to be told and shown more lies continue as well as violations and breach of contracts still exists. By the way I submitted originally a copy of the proposed settlement of class action lawsuit related to XXXX XXXX XXXX, just one I submitted but there is more.
Company Response:
State: FL
Zip: XXXXX
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: The wrong information has been uploaded to my credit report and is causing me to have bad credit and many denials
Company Response:
State: FL
Zip: 32909
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: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2023 I requested in writing proof of debt. My information was involved in the Equifax Data Breach. Claim # XXXX. XXXX XXXX XXXX did not send anything one letter stating was valid account. I have not received copies of anything.
Company Response:
State: TN
Zip: 380XX
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 please remove this fraud inquiry from my credit report.
Company Response:
State: IN
Zip: 47909
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: Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Company Response:
State: TX
Zip: 76108
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 sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A