Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Company Response:
State: OH
Zip: 43224
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: A collection in the amount of {$1000.00} is being reported as a collection on my credit file. The original creditor, XXXX XXXX, is claiming that I opened car insurance with them that has went unpaid. This is completely false and erroneous! I have never owned a vehicle in my life nor have I ever had nor authorized any person to open car insurance on my behalf. I have contacted XXXX Fraud, XXXX, Equifax and XXXX but this account still remains on my report. Please help!
Company Response:
State: FL
Zip: 33155
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: It is my understanding that the Consumer Reporting Agencies such as XXXX, XXXX and EQUIFAX are obligated by the FCRA to report accurate accounting. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the FCRA. XXXX, XXXX and EQUIFAX are consumer reporting agencies and I am the consumer. These organizations are in several violations. 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnishers of information to credit agencies, ( ex. financial institutions ) and the Consumer reporting agencies, EQUIFAX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, EQUIFAX, and Furnishers of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnishers of information to credit agencies never informed me of my right to exercise my nondisclosure option. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting utilization or my transaction history is illegal. This is not only a violation of the FCRA but also a violation of the Privacy Act of 1974 ; 5 USC 552a. Furthermore, 15 USC 1681c ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' The accounts that are being furnished/reported with adverse items such as late payments, repossessions or other derogatories that are being reported/furnished without my permission are against the law. These clearly are not convictions of crimes. Additionally, 15 USC 1666b, further states that no creditor may treat a payment on an account under an open end consumer credit plan as late for any purpose. So creditors are in violation of 15 USC 1681s-2 by reporting late payments having clear knowledge that this is inaccurate and a wrongdoing on their part. Additionally, the IRS defines canceled debt also known as charge-off as gross or ordinary income. And income can not be reported on a consumer file/report. So there shouldn't be any accounts being reported or furnished on my report nor file as a charge-off 15 USC 1681s2 ( A ) ( 1 ) states " 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. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and EQUIFAX are not maintaining reasonable procedures.
Company Response:
State: CA
Zip: 92203
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: OH
Zip: 452XX
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: This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Company Response:
State: PA
Zip: 15001
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: 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: 76244
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: Im begging you please remove this to the credit report
Company Response:
State: TX
Zip: 78681
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: I am writing to bring to your attention certain inaccuracies on my consumer report. I have recently reviewed the report provided by the credit reporting agencies and identified errors related to credit card utilization and late payments. I believe these inaccuracies are adversely affecting my credit score. Per the Fair Credit Reporting Act '' 15 USC 1681 section 602 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 15 USC 1681 ( a ) ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681a ( 2 ) ( A ) ( i ) states The term consumer report does not include ANY report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1681b ( a ) ( 2 ) states Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 15 USC 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The Financial Institutions { XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. } and the Consumer Reporting Agencies Equifax, XXXX, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. { XXXX XXXX XXXXXXXX, XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. These accounts are reporting adverse items without my permission which is against the law. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. My terms and conditions on my contracts state clearly that these companies will not report non-public personal information to non-affiliated third parties. I also discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. PRIVACY ACT OF 1974 ( 5 U.S. CODE 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. ( b ) Conditions of disclosure -- - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. As a bona fide purchaser acting in good faith I am giving you an opportunity to correct said mistakes and have all my accounts updated to paid as agreed under an open end consumer credit plan pertaining to 15 U.S. Code 1666 ( b ) Timing of Payments. All accounts should also be updated with proper utilization pertaining to 15 U.S Code 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report. REMOVE ALL LATE PAYMENTS - 15 U.S. CODE 1666b REMOVE ALL INACCURATE INFORMATION RELATING TO TRANSACTIONS AND EXPERIENCES - 15 U.S. CODE 1681a ( 2 ) ( A ) ( i ). 15 U.S. CODE 1681e ( b ) - Accuracy of Report 15 U.S. CODE 1681n - Civil Liability for willful noncompliance. 12 C.F.R. 1022.3 - Definitions 15 U.S. CODE 1681 c-2 - Block of Information resulting from Identity Theft. 15 U.S. CODE 1681o - Civil Liability for negligent noncompliance. 15 U.S. CODE 1681s-2 Responsibilities of furnishers of information to Consumer Reporting Agencies . PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ). 12 C.F.R 1016.1 - Purpose and Scope. 12 C.F.R 1016.4 Initial privacy notice to consumers required. 12 C.F.R. 1016.7 Form of opt out notice to consumers ; opt out methods. 15 U.S. CODE 6802 - Obligations with respect to disclosures of personal information. 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 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: FL
Zip: 33069
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: To Whom It May Concern, I write to you today with a heavy heart, as I endeavor to resolve a profoundly distressing matter that has cast a long and harrowing shadow over my life. My hope is that my story will resonate with you, not merely as a tale of financial hardship but as a testament to the anguish and uncertainty that erroneous credit reporting can inflict upon an individual. The violations I outline below, which have marred my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The repercussions of these violations have been nothing short of catastrophic, and I implore you to consider the emotional and financial distress they have inflicted upon me. Incorrect Personal Information : Violation : Incorrect Previous Address Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681s-2 ( b ) Unauthorized Inquiries : Violation : Unauthorized Inquiry by XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681b ( f ) Violation : Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681b ( f ) Violation : Unauthorized Inquiry by XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681b ( f ) Violation : Unauthorized Inquiry by XXXX XXXX XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681b ( f ) Violation : Unauthorized Inquiry by XXXX XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681b ( f ) Violation : Unauthorized Inquiry by XXXX on XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681b ( f ) Violation : Unauthorized Inquiry by XXXX XXXX XXXXXXXX XXXX XX/XX/2022 Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681b ( f ) Account Inaccuracies and Reinsertion Without Proper Notice : XXXX. Violation : XXXX XXXX Account ( Account Number : XXXX ) inaccuracies : Incorrect high balance Inaccurate date of last activity XXXX accounts Undated late payment Charge off listed as open Collection account with a limit Undated Late Pay and Charge Off Listed as Open Relevant Law : Fair Credit Reporting Act ( FCRA ) Section : Section 1681e ( b ), Section 1681s-2 ( a ) ( XXXX ) The impact of these violations on my life has been nothing short of shattering. They have not only hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle, but have also decimated my sense of financial security. The toll on my emotions has been immeasurable ; it is a weight that I carry with me every day. Imagine the despair of being denied a home loan, watching the dream of homeownership slip through your fingers, all because of erroneous information that paints an inaccurate picture of your financial responsibility. Picture the anxiety of standing by, powerless, as you're denied the opportunity to provide a stable and secure environment for your family. These violations have done more than tarnish my credit score ; they have robbed me of peace of mind, affecting not only my financial well-being but my overall quality of life. My dreams have been deferred, and my ambitions stifled. This is not just a matter of financial rectification ; it is a plea for the restoration of hope, dignity, and the chance to build a brighter future. In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. I beseech you to act on my behalf, not merely as a matter of legal procedure, but as an affirmation of the ideals of justice and consumer protection that underpin the work of the Consumer Financial Protection Bureau. Please help me reclaim my life, my dreams, and my financial stability. Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my faith in the integrity of the credit reporting system. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 95076
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never initiated these 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
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A