Date Received: 2023-12-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I had auto insurance using this XXXX XXXX with no plm until my travel trailer was stolen. I then reported the theft. I got the paid out check from them for the loss. However, they charged me for auto and travel trailer of under {$300.00}, but they then realized they made a mistake assuming I still have the travel trailer. I did not have it aince XXXX, XXXX. They charged me miatakenly after I called them on why they charged me too high. They fixed it. And I allowed them to take my money using the auto pay system. However, they were going to charge me more than normal. I called last week why they are high. They said it is due to accident in XXXX, XXXX. But that was already counted on the previous policy. Inatead of keeping it same as before, they would charge me for under {$350.00} or more. The truck is only XXXX. The XXXX XXXX ripped me off big time. Plus they used my credit score or report without my permission. I wanted to purchase a life insurance and they rejected my application to get a life insurance. See their letter. Again, they are being cruel to me. The credit score changed for some reason. Also, the amounts of money they took from my bank were irregular. They did not take the same amount per month. They are not balancing right with my bank account and insurance policy. Very fishy. Equifax did have repeatedly used very, very, very old information on my credit record. They are probably racists setting me up to fail and keep me stuck in the level and would NOT let me cross XXXX. I see their credit repoets do not have XXXX apartments information that I had/have lived. No credit record was charged at all before and after living in apts and using utlities. No changes.
Company Response:
State: CO
Zip: 80907
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Company Response:
State: DE
Zip: 19720
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023- XXXX is harassing me and using abusive and profane language when contacting my phone. I told them to put me on the do not call list and they asked for my social security number. When I told them I won't be giving that they told me they couldn't help me. I am sure this is a violation of the FDCPA. To date, XXXX has NEVER validated the debt nor have they provided the requested information. The account in question was fraudulently opened and they are committing aggravated identity theft until they are able to prove otherwise. This company and the representatives of the company are predatory extortionists and I will pursue legal action within 15 day of receipt of this notice if the information requested is not provided.
Company Response:
State: KY
Zip: 401XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: FL
Zip: 331XX
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: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$150.00} XXXXXXXX XXXX XX/XX/XXXX
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my consumer reports and noticed that I had XXXX late payments on this account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxima accuracy. I have never been late on a payment for the the account that I have included screen shot inside this company in on date of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these statement to be update to paid as agreed on this time as they should be due to the fact In was never late. Thanks. Please see screenshots attached :
Company Response:
State: GA
Zip: 30315
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im begging you please remove this to the credit report
Company Response:
State: IL
Zip: 60620
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: Account status incorrect
Consumer Complaint: I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Company Response:
State: GA
Zip: 30253
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Company Response:
State: NJ
Zip: 07205
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S Code 1681A- Definitions ; rules of construction- Exclusions.- Except as provided in the term " consumer report '' does not include and report containing information solely as to transactions oe experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may treat a payment on or a credit account under an open end consumer credit plan as late for purpose.
Company Response:
State: AL
Zip: 36801
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A