Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of 2023, I submitted a police report and an identity theft victim 's complaint affidavit to all three credit report agencies. XXXX XXXX removed most of the accounts, but XXXX and Equifax have not complied. I have included XXXX XXXX 's Removal letter. In order for all 3 credit report agencies to be accurate and complete, they must match. XXXX XXXX has removed these accounts INCLUDED IN THE ATTACHED XXXX XXXX REPORT, and Equifax and XXXX must follow suit to comply with the Fair Credit Report Act. ALL CHARGE OFFS AND DEROGATORY ACCOUNTS ASSOCIATED WITH IDENTITY THEFT MUST BE REMOVED.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-12-28
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: Investigation took more than 30 days
Consumer Complaint: I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Company Response:
State: IL
Zip: 604XX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}
Company Response:
State: GA
Zip: 31088
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: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Be advised that I hereby dispute the validity of the alleged debt listed above entirely. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, illegally collected the above-listed alleged debt and took payment on a debt that I do not owe, EXTORTION and theft by deception. Defamation of character and Slander of my name. Fraud and GROSS MISREPRESENTATION. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. Reporting Late payment and Utilization is illegal! XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX have 10 calendar days to update my late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. XXXX Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting per XXXX . 2. Verification of your claim against me. A signed invoice or sworn affidavit. 3. A copy of the contract binding both parties XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. 1. I need full Disclosure. I was not told that I was actually creating the credit. 2. Equal Consideration brought nothing of value to the table and had nothing to lose. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 3. Law terms and conditions were based on fraud! 4. The wet ink signature of both parties. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX actual damages, Defamation of character, consumer rights violations, multiple violations of Federal Debt Collection Practices Act ( FDC PA ), Fair Credit Reporting Act ( FCRA ), fraud, aggravated identity theft, Identity theft, extortion, theft by deception, Securities and Exchange Commission ( SEC ), XXXX XXXX XXXX XXXX XXXX XXXX ) fraud, Conspiracy and Racketeering of {>= $1,000,000}. Within 10 calendar days after receipt of a notice, shall return any m XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX money that has been given to anyone in connection with this transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX will further pursue all of my legal remedies without further notice. This letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a court case. I will demand discovery and trial by jury. Failure to properly respond will be followed up with our FTC, XXXX and Attorney General complaint, fee schedule and lawsuit. Fraud vitiates the most solemn contracts, documents and even judgments [ U.S. vs. Throckmorton, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. Whipp v. Iverson, 43 Wis 2d 166.
Company Response:
State: FL
Zip: 33803
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: 2023-12-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I lost my wallet, called Police, received Police report, then XXXX, XXXX and Equifax did not remove off my credit report Completely erase from my account and account history!!!!
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-12-28
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: i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft. the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO XXXX, EQUIFAX, XXXX ARE HELD LIABLE
Company Response:
State: TX
Zip: 76116
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 XX/XX/2023, I sent correspondences to XXXX, Equifax and XXXX about an unauthorized derrogatory account listed on my credit profile. A resolution has yet to be made.
Company Response:
State: FL
Zip: 32808
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: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The attached XXXX was provided to my when i looked up if my personal information was affected, and it was in fact part of Equifax data breach. Equifax had a data breach and my personal information was obtained and used to get credit that was not authorized by myself. Inquiries were added to my credit report that were not initiated by myself. Several accounts have been placed on my credit report, and even with supporting documents provided to Equifax I've been told they have verified the information as correct. If your business is for profit corporation, and anyone paying for your service means they can and will put information even incorrect just as long as equifax is receiving income from said creditor and or business.
Company Response:
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
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 am writing to bring to your attention a matter of utmost importance regarding my credit report. I recently discovered that my personal information, compromised during the Equifax data breach, has been sold and purchased illegally. Despite Equifax acknowledging my status as a victim, I am facing challenges in rectifying the unauthorized accounts on my credit report. Equifax Incident reference # XXXX Equifax breach claim # XXXX The unauthorized accounts I am requesting to be immediately removed from my credit report are as follows : XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX Attached herewith is the evidence of Equifaxs acknowledgment of my victim status in the data breach. I am seeking your assistance in facilitating the removal of these illegitimate entries promptly to rectify the inaccuracies on my credit report. I have made multiple attempts to resolve this issue directly with Equifax, but unfortunately, no action has been taken to correct the discrepancies. Your intervention is crucial in ensuring the protection of my consumer rights and the accuracy of my credit information. Please find attached the following supporting documents : 1. Equifax acknowledgment of my victim status. 2. Any additional supporting documentation. I appreciate your prompt attention to this matter and look forward to a swift resolution. If further information is required, please do not hesitate to contact me at XXXX Thank you for your assistance in rectifying this serious issue.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A