Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX I was notified my info was in a EQUIFAX data breach and to check my reports for fraudulant or or inaccuracies on my report. I reached out to all 3 credit bureaus and some inquireis were removed but many still remained. Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit, yet XXXX, has refused to provide me with access to online free credit reports to freeze my report due to their system consistantly be unable to load and to try again another time. The following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX and XXXX have blatantly violated XXXX rights XXXX protect my privacy and left me without any help to rectify this. I want these these unauthorized inquirieis removed from my credit report or I will request for monetary compensation for the outright violation of my consumer rights.
Company Response:
State: CA
Zip: 91350
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 trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72204
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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I hope this letter finds you well. I am writing to express my dissatisfaction with the results of my second attempt to correct the late open account from my credit report. Despite my previous efforts, I have observed that the inaccuracies persist, negatively impacting my creditworthiness. I initially brought these issues to your attention and I have since submitted the required documentation and evidence to support my dispute. I understand that the credit reporting process can be complex, but I am disappointed to find that the inaccuracies on my credit report have not been rectified in a timely manner. The late open account on my credit report are inaccuracies that are affecting my ability to secure favorable financing terms and interest rates. I have attached copies of the previous correspondence, dispute letters, and the supporting documentation submitted during my initial and subsequent disputes for your reference. I kindly request that you conduct a thorough investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. It is my understanding, based on the Fair Credit Reporting Act (FCRA), that accurate and upto-date information is crucial for the fair evaluation of consumers' creditworthiness. I would appreciate your prompt attention to this matter, as I believe in the importance of maintaining accurate credit reports. Please notify me of the results of your investigation and any actions taken to correct the inaccuracies on my credit report. I am asking for your assistance to correct this late open account in my credit file: XXXX XXXX Balance: $0.00.
Company Response:
State: AR
Zip: 72204
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: Account status incorrect
Consumer Complaint: THIS ACCOUNT IS BEING REPORTED INACCURATELY AS A CHARGE OF ON MY CREDIT REPORT DESPITE HAVING INCONSISTENT HISTORICAL DATA. THIS IS INACURATE REPORTING
Company Response:
State: MN
Zip: 55446
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. has violated my rights. Or list of inquiries 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: NC
Zip: 285XX
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: I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77084
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 fraud alerts or security freezes
Subissue:
Consumer Complaint: Back in 2022, I placed a lock request also went on the app I was told it was done. The lock was never placed on my credit. XXXX XXXXXX/XX/2022, my credit was run 6 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these runs on my credit are auto loan runs. I would like this removed immediately from my credit report.
Company Response:
State: CA
Zip: 90066
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Company Response:
State: PA
Zip: 150XX
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: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A