Date Received: 2024-01-21
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. 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: 33647
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.
Company Response:
State: FL
Zip: 33603
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi XXXX. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX on Account XXXX below. I want to emphasize that I did not authorize XXXX to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report. I did not receive XXXX benefi ts, funds, goods, or services associated with the events described in the report. Furthermore, I have no knowledge or informati on about the individual ( XXXX ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.
Company Response:
State: FL
Zip: 33603
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: 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. 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: MD
Zip: 20720
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Collecti on Account Summary below. I want to emphasize that I did not authorize anyone to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report. I did not receive any benefi ts, funds, goods, or services associated with the events described in the report. Furthermore, I have no knowledge or informati on about the individual ( s ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.
Company Response:
State: FL
Zip: 33603
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company reported a late payment on my credit report and i wasn't XXXXdays past due i have always kept up with payments and ive tried to speak with them on this matter and the results where not successful.
Company Response:
State: VA
Zip: 245XX
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: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX : XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] Report # XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. Please Investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also respectfully request to be provided proof of these alleged items specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late please update my payment history to PAANL, status ( paid as agreed never late ). And supply a corrected credit report to any creditors who have requested a copy of my credit report in the last six months. I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. It Is my understanding that you must validate these items with the reporting creditor for aaccurac, please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. Please send an updated copy of my credit report to the above address.
Company Response:
State: NC
Zip: 28390
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: 2024-01-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My oldest credit card which is XXXX XXXX XXXX XXXX card with a limit of {$80000.00} has strangely disappeared from my credit report on XXXX the credit bureaus ( XXXX, Equifax and XXXX ) and I have contacted them individually since XXXX, XXXX when I XXXX noticed it and nothing has been done, I keep calling them and they say same thing XXXX time that they see it from their end but I do not see it when I check my report and more importantly the banks and creditors do not see as well and that has affected my credit card and loan applications because my credit profile without the XXXX XXXX XXXX XXXX card looks not good enough. I have already contacted XXXX XXXX XXXX and they told me they report my credit to these bureaus and it is a problem from them and not XXXX. Also Equifax since XXXX has totally wiped out my credit history and when I check my profile every is blank and I have contacted since XX/XX/year> and nothing has been done. Kindly help me fix my credit report. Thank you.
Company Response:
State: NY
Zip: 10701
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.
Company Response:
State: FL
Zip: 33603
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: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
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. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Company Response:
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A